23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, XXXX XXXX XXXX Bank is showing a credit card account late 270 days in a 3-month span. How is that possible when there are only 90-days in 3 months?

It is ridiculous and hurting my credit score. 

Also, it's a violation of my rights for XXXX, XXXX, and Experian to report late payments to my credit report without first contacting me, and second getting my permission to do so.
Product: Credit reporting or other personal consumer reports

I contacted the court, and their response is enclosed. It is clear they do not report you or any credit bureau for that matter ; therefore, your initial verification of the item with the court was either an error or a lie. Either way, the reporting requirements does not comply with FCRA 611 ( 15 U.S.C. 16811 ), and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2014 my wife and I were mugged. We were leaving the mall and a guy ran up behind us and told us to hand over all of our bags. He took my wallet, my wife 's purse, and all the shopping bags we had in our hands. We filed a police report with the mall security but because it was so long ago we can not obtain a copy.
Product: Credit card

I applied for citi double cash credit card online. Application ID : XXXX My application for credit was rejected. On the rejection notice the credit card company gave me XXXX reasons : 1. Too Many recent credit inquiries are recorded on your credit bureau report. 
2. Your credit report reflects a lack of recent installment loan information. 
3. Your credit report shows insufficient credit history. 

I requested the credit bureau report from the agency provided in the rejection notice to verify my credit history. 
The reason # 1 mentioned is patently wrong. I had XXXX hard credit enquiries. This transaction with citibank has resulted in XXXX new Credit enquiry dated XX/XX/2016. Please see attached Credit Bureau Report. 

I have over 9 years of credit history and no derogatory marks whatsoever, so I find it hard to accept the third reason provided as well. 

I have never taken a loan, hence there are no loans on my credit report. 

I feel that I have been discriminated against by Citibank and my credit application has been denied on frivolous grounds. 

Despite repeated attempts at contacting them, and multiple phone calls to the call center, no additional information has been provided by citibank. Even visiting a citibank location to meet a personal banker has not yielded any fruit. The personal banker noted my complaint down and said that a case number will be mailed to me. However, I have not received a case number or a follow up call from the banker since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am curious if the credit reporting company stated that it was taking this long to do something because I was the son of XXXX XXXX would you except it? I got the information from the bank for Trans Union. I called Trans Union and ended the dispute. I did that because Trans Union could not look into my case while the dispute was open. So I ended the dispute and they made a notation to my credit report. But they failed to remove the notification of the delinquent report. They have continued to blame XXXX XXXX  for this erroneous report. So lets keep this simple. I am requesting a copy of the report that XXXX XXXX  sent and or around XX/XX/XXXX stating that I was delinquent on a payment of XXXX.My guess is they wont be able to produce one because XXXX XXXX  has told me repeatedly that they have never submitted one
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. I have addresses that are not mine appearing on  my report. Please remove the following addresses. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Payday loan, title loan, or personal loan

My wife contacted CashCall via the internet. We were having a severe cash flow issue. We have a small business in the mountains above XXXX XXXX. She was not given any information on the percentage of the loan which we recently found out was 98 %. I was under the belief that we would be finished paying the loan by this XXXX. Was I wrong we are still paying the minimum which is over 600 a month for an XXXX dollar loan. Looks like we have about 10 years left. I think that this is usury and should not be legal. We already have paid over the premium and are wondering what we can do next.
Product: Credit reporting

I was a victim of ID theft, I followed legal procedure by filling an FTC Fraud affidavit and also filing a report with Law Enforcement Agency. I then forwarded these docs to all XXXX credit bureaus, indicating which accounts resulted from said ID theft and complying them to remove these accounts. XXXX & XXXX complied and removed, Experian did NOT! Even after repeated attempts to enlighten them as of their legal obligations. I am thereby forced to escalate this issue to your level, I hope you 'll be of assistance. In summary, please request Experian to remove and delete entirely from my report the following XXXX accounts, 1 ) XXXX Account # XXXX 2 ) XXXX Account # XXXX. This needs to legally be done withing " 4 '' days of receipt of dispute and attached paperwork proving it.
Product: Credit reporting or other personal consumer reports

Recently submitted a complaint for these companies to provide validation of proof to why they could be reporting these accounts on my credit they seemed very misleading and wrong these accounts have been re - opened and I didnt re open them or ask for them to be after they were closed and deleted The open dates, status, balances, comments, amounts due, last reported, terms, activity, and data I provided all accounts and evidence across the board from transunion XXXX, XXXX XXXX and XXXX reporting to my nature all data has to be 100 % accurate by law and it wasnt and I showed why I thought it was not. The accounts was deleted from my report then recently just added without evidence to why which is very misleading and wrong. 

Between these dates they have re opened these accounts and added back on my credit without my consent XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX By XXXX I asked for each account to be deleted again and all data from each company be deleted and never shared with these reporting agencies again until evidence is shown in writing they are hindering my financial well being and I feel like they have yet to do a throughoul investigation into my complaints Once again I will Provide all evidence before no updates, or corrections of the errors they made is acceptable everything was supposed to been 100 % true.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request the Credit Reporting Agencies that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance  Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$22.00} XXXX XXXX Balance Owed : {$0.00}
Product: Consumer Loan

On XXXX XXXX, XXXX, I purchased a used vehicle from XXXX XXXX of XXXX, in XXXX, OH. Three days after purchase of my XXXX XXXX XXXX XXXX service lights came on when I started it. The service lights were XXXX control. I immediately contacted my salesman XXXX XXXX XXXX XXXX making him aware of the issue. After communicating via text messages, I took the car in for servicing. This was only the beginning of the issues I 've had with this vehicle. 
My wife and I have always leased new vehicles. I purchase a second vehicle to prevent from going over my miles on my current lease. XXXX XXXX stands on the premise of servicing the community where their dealerships are. I served on the XXXX XXXX XXXX, I wanted to make a purchase near where I live. 
I 've had several issue with this vehicle, as of today XXXX XXXX, XXXX the car is not operable. My father and I tried to jump the battery with no results. It appears nothing was done to this vehicle at trade in. I understand the vehicle was purchased " AS IS - Without Warranty '' but never did I expect to have issues 72 hours after purchase that have proven to be ongoing and dangerous. I have n't had the vehicle 6 months. 
Please review all attachments to include my attempts to resolve this issue with the dealership. I 'm the XXXX, therefore I understand how some things happen. I 've invested a lot of time, money and suffered inconvenience. I contacted the management at XXXX XXXX trying to give them opportunity to make this right. No one has felt it necessary to follow through. 
I 'm hoping you can help get this resolved. Had I purchased the car from a private owner, I would have expected " Buyer beware. '' Best Regards, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Product: Debt collection

Recieved call from the number, lady on the other line, asked to verify my date of birth, and actually recited the date of birth before I acknowledged who I was, and find that to be a gross privacy violation and demand that this business stop participating in behavior that is disclosing personal information to others with no authorization to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was notified on XX/XX/2021 that I am a victim of identify theft.
Product: Credit card or prepaid card

In multiple instances, I have attempted to use this card for dinners or for appliances, etc., and the card will trigger fraud alerts. In each instance, the amount of time taken to resolve ends up being excessive to the extent that today I spent almost an hour on the phone with support with this company and was offered XXXX dollars for my time as a " courtesy ''.
Product: Credit reporting or other personal consumer reports

Collections account XXXX is a fraud account and don't belong to me please delete this account because it is fraudulent. I have attached documents please see document. I also contacted XXXX about this fraud account Thank U XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting three fraudulent loans on my credit report and have refused to cease the credit reporting after several promises to do so. I have been calling and disputing this information since XXXX 2017, and for the last five months I have been lied to, harassed for payments, told false information, and basically have been running around in circles trying to get someone to actually take action and do an investigation. In the past I made payments on these loans by sending in one lump sum to the creditor to cover ALL my loans, which included those that I did take out in my name. There are four loans that I DID take out in my name but there are three loans that I DID NOT authorize to be taken out in my name. I am a victim of identity theft. I sent in a police report, FTC ID Theft Affidavit, and proof of identity to XXXX back in XXXX 2017. After multiple calls I did n't receive an Identity Theft Affidavit from their company for completion until XXXX XXXX, 2017. Five months later, after requesting one to be sent to be beginning in XX/XX/XXXX, they finally sent the form. They continue to report late payments and the defaulted loans to the credit reporting agencies after I was promised it would cease and be removed after receiving my ID Theft Affidavit. Not once has this company followed up with me. I always have to call them and when I do they always provide me with false information. I was told by several representatives that XXXX is servicing these loans and they are rejecting my fraud packet. However, whenever I call XXXX they have no record of me. This company has no regards for victims of identity theft and continue to provide me with false information and in turn are damaging my credit. I have kept a record of all communications with this company. They received a completed/notarized fraud packet on XXXX XXXX, 2017 and according to the packet credit reporting was to cease 15 days after receiving the packet, which was XX/XX/XXXX. They have yet to do so and had the nerve to tell me they ca n't because XXXX rejected the packet. XXXX does n't even know who I am when I call so how can they reject a packet? If anyone from XXXX actually bothered to called the XXXX number they gave me they would be able to understand that they are rejecting it because they have no record of me!!!!
Product: Credit card or prepaid card

Started a carecredit card for a medical device. Payed off as much as I can every month. There was {$200.00} dollars left after the promotional period. What I was told was the interest would be over the remaining balance. I was not told the interested would be over the whole purchase balance. I was mislead and was not told this would happen.
Product: Credit reporting

I received a inquiry alert from Experian on XXXX/XXXX/2017 in regards to XXXX inquiring and accessing my Experian credit report. The inquiry from XXXX is an authorized and fraudulent inquiry. It do n't belong to me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as a formal demand for the immediate removal of the unauthorized hard inquiry placed on my credit report by XXXX XXXX  on XX/XX/year>. I did not authorize this inquiry, and it is negatively impacting my credit score. Under the Fair Credit Reporting Act ( FCRA ), you are required to have my express consent before initiating a hard inquiry on my credit file. Since I have no record of approving this inquiry, its presence on my credit report is a violation of my consumer rights.

I demand that you remove this unauthorized inquiry immediately and provide written confirmation of its removal. Failure to do so will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the
Attorney Generals office. Additionally, I will explore legal action against XXXX XXXX XXXX XXXX for

violating federal credit laws. I expect a written response within 15 days confirming that this hard inquiry has been removed. If you claim that I authorized this inquiry, you are legally required to provide documented proof of my consent. Failure to do so will be considered further evidence of noncompliance. I take this matter seriously and will not tolerate any delay or disregard for my consumer rights. Please address this issue promptly to avoid further action.
Product: Mortgage

Please help me to understand what made you close my case, Ditech has not corrected anything, in fact, it has gotten much worse. I sent by email responding to your closed case email, copies of the loan modification and 2 years of payment history showing no missed or late payments. I can send them again if you need. I respectfully request an investigation and recompense. If you are not able to help, kindly direct me to a Consumer Protection Agency that will look into this. Ditech continues to misappropriate my funds in unlawful ways. I have attempted to reason with them so many times, I have lost count. I am XXXX and this continues to be a tremendous hardship for me. Please, someone needs to look into this. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : The bureaus have reported something on my consumer report that is not 100 % accurate in an attempt to damage my reputation as a consumer and cause me great pain and misery! 

The courts have not supplied the bureaus information about a public record pertaining to me I asked the bureaus to please RE INVESTIGATE and provide proof from the court of this public record! I have never filed bankruptcy ever in my life.
Product: Credit card or prepaid card

I am the personal representative of my father 's estate and have power of attorney for my XXXX mother. My father passed away in XXXX, XXXX. He had a Capital One credit card account with a zero balance at the time he passed away. Apparently my mother was also listed as a card user. Several months ago I received a statement charging an annual fee for the card. I called the company and explained that my father had passed away and the account should be closed. I provided them with a Death Certificate for my father and Power of Attorney for my mother. They then sent me a letter that indicated I needed to provide them with additional information that I believe is an unfair practice. Their letter of XXXX XXXX, XXXX requested that in addition to the Power of Attorney that I provide them with my address ( which they have ), that I provided them with my Social Security number, that I provide them with a copy of a valid government issued photo ID, that I provide them my citizenship, that I indicate if I am a resident or non-resident alien, provide them with my employment status, that I provide them with the name of my employer, that I provide them with my occupation and that I disclose my annual income. None of this additional information has been required to open estate accounts or to close other accounts my father had. In the last statement they provided they had added late fees and interest charges to the annual membership fee. The apparently have taken my father 's name off of the account as the latest statement was addressed to my mother at my address.
Product: Mortgage

I would like to file a complaint regarding my refinancing experience. The experience took over two months and I had very little communication with anyone. I tried contacting the processor on several occasions, left messages and they were never returned. When I finally did hear from the processor she reassured me that everything was looking good and there would be no problems with the refinance. I checked my dashboard daily for updates and there were just a few, maybe once a week. I was sent an email with pre closing paperwork to sign, which I did. Last week I noticed the loan was listed as inactive. I turned down several other lenders so that I could secure a loan with NewRez and now I find out that they did not approve my loan due to income issues. I was never told this when I applied, they said there would NOT be any issues.
Product: Credit card or prepaid card

Someone fraudulently charged {$750.00} from XXXX on our card and Citi will not take it off!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

For many years, I tried to resolve a mortgage loan with XXXX ( and others ). The problem was the mortgage amount had escalated so much it was now XXXX on an $ XXXX loan. 

However, instead of working with me, they gave me a modification of $ XXXXmonth. That was unaffordable and XXXX as the house was not worth that amount. 

In comes a builder, who offers then $ XXXX for the house at a short sale. They take it- yet would not work with me at all. 

The short sale was complete on XX/XX/. Yet still... nothing on the credit report. It takes 2 years from the date of a short sale to get another mortgage. Now am three months farther out from being able to obtain financing.

Question # 1 : Why would not work with me but would immediately take a short sale?

Question # 2 : Why haven't you reported it to the credit bureaus?
Product: Debt collection

XXXX   XXXX ,    2017  at around  XXXX  central time a woman named  XXXX   from   Medical Revenue Services ( MRS ) contacted my employer. She stated that she was from MRS and needed to talk to me about some business. My boss stated that sh e was rude and gave me the number. I called and told them not to contact my employer because it was against the law. I will contact an attorney if it continues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported an account that does not belong to me. I never heard of this account or had any dealing with XXXX XXXX. Ive asked XXXX XXXX to provide proof of ownership. Reporting this account to my credit file is a violation until the Fair Credit Reporting Act. No company should be allowed to report an account without providing proof of ownership. I would like to see a signed contract and agreement. Ive never did business with this company. I will be reporting to the Federal Trade Commissioner as well for investigation.
Product: Credit card or prepaid card

On XX/XX/XXXX a Chase Plan was set up to pay off a charge of {$2400.00} over 6 payments at the rate of {$400.00} in principle payment plus a {$14.00} monthly fee. On XX/XX/XXXX a second Chase Plan was created to pay off a charge of {$2400.00} over 6 payments of {$400.00} in principle payment and a {$15.00} monthly fee. The first payment for each plan was listed in the XX/XX/XXXX statement, with payment due on XX/XX/XXXX. The overall credit card balance was {$6600.00}. The interest saving balance due on XX/XX/XXXX was {$2600.00}. The minimum payment was {$870.00}. A payment was made on XX/XX/XXXX, for {$870.00}, and on XX/XX/XXXX, for {$3400.00}. The XXXX statement indicated that the first Chase Plan had a remaining principal balance of {$320.00} with one payment remaining. Chase had taken the overpayment of {$1600.00} and applied it to the Chase Plan instead of my overall balance of the new purchase. This practice of applying overpayment to the Chase Plan instead of the outstanding balance of purchases continues until the first plan was closed, early and the second plan as of XX/XX/XXXX has one remaining principal payment of {$210.00}. I have now had an outstanding overall balance of {$4700.00} that I will be changing {$63.00} for interest. Chase Freedom stated the overpayments went to the Chase Plan, without my permission or request creating an unpaid balance of charges. Chase refuses to rectify the situation by either A : crediting the purchase balance and correcting the principal balance to be paid off on the Chase Plans or B : waving the interest fees on the outstanding balance.