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

This is XXXX XXXX XXXX and I am submitting this CFPB complaint to you today to request to delete the fraudulent accounts and information that I foudn not belonging to me. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of the accounts and information that I need you to delete from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR XX/XX/XXXX. In accordance with the Fair Credit Reporting Act section 605, please remove the disputed accounts and information completely from my Credit File.
Product: Credit card

Bank of America , N.A . ( " Defendant '' ), account number ending in XXXX Credit card company isn't resolving a dispute about a purchase on your statement billing dispute, dispute resolution process, FRAUD TRANSACTION ( S ) ON ACCOUNT, I do not recognize this transaction and have never authorized it. Pursuant to XXXX XXXX XXXX XXXX, I am politely requesting to dispute this charge and the issuance of a full credit to my account. I have attached additional details below on this matter. 

XXXX. Request Please credit the full amount back to my account and open a case against the merchant. I have always appreciated your timely and professional customer support and that is the main reason why I am a loyal patron of Bank Of America to this day.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries 1. XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I talked to a gentleman online in a buying XXXX XXXX XXXX cards forum after listing that I had a alpha edition time vault. He said to get paypal and he would buy it. I opened the account with seller protections and followed all protocol. I received payment that was pending until the buyer received it vis mail. I got it tracking with signature receipt via usps mail. The customer claimed he received a item not as described. He sends it back and before I even receive it at the post office chargeback my funds. I open the package and recorded doing so at the post office and inside was paper and a junk card. He didn't send back my item at all! I have paypal seller protection but because paypal had him send it as item not as listed instead of returned or another filing conveniently it doesn't help? This is insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of this year I sent letters to XXXX, Equifax and XXXX to look into an error on my credit report that shows I was 90 days late in XX/XX/XXXX. The reports does not say I was ( 60 days ) late in XX/XX/XXXX nor does it say ( 30 days ) late in XX/XX/XXXX. It is just marked as 90 days late in XX/XX/XXXX. I asked them to delete this error and was sent back a response they as " updated ''. nothing was changed or updated, that was just something they used to close dispute I supposed. 
I think it is very unfair to have them report want ever they chose and then state it was closed. Also, during this process of other accounts disputed there was an account deleted in XX/XX/XXXX then added back a month later without giving me proper notification on why this account was added. This goes against my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I will be filing another CFPB Complaint to request to you once more to reinvestigate my the accounts you report on my Credit File in accordance with the Fair Credit reporting Act. I previously requested that you take a look into my concern and correct or update any erroneous information you found. Upon reviewing my updated Credit report, I noticed that no changes were made and I still see the negative description on the disputed accounts. In accordance with the Fair Credit Reporting Act, I request of you to please correct the listed account on my Credit File : XXXX XXXX XXXX XXXX Balance Owed : $ XXXX, upon further inspection, I realized that the one of the disputed account was already remove from the other Credit Bureaus but was kept reporting on one Credit Bureau. Under the Fair Credit Reporting Act, Credit Reporting must be accurate. The Account : XXXX XXXX XXXX XXXX Balance Owed : {$48.00}, must also be removed from my Credit file.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Student loan

My Student Loan Servicer XXXX XXXX has obtained my loans from XXXX XXXX with a consolidation option I have been with XXXX XXXX for 5 years. My loan amounts exceed what I originally borrowed the amounts continue to increase. I am not in default I have repeatedly asked to have my payments lowered but have struggled to pay. I have been certified for the loan forgiveness program through my employer they only credited me XXXX qualifying payments I need a total of 120. I have been with my employer since XXXX. I have made more qualifying payments than what they are reporting. My current loan balance is {$180000.00}. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I got a XXXX loan from speedy cash back in the end of XXXX or very beginning of XXXX. I owe them XXXX. The problem is they changed the date and made it so its current and looks like I just took it out saying it happened this month of this year. That information is obviously incorrect and needs to be corrected and from what i understand they cant change the date like that to keep it looking current. I have three things on each credit report snd this is on all of them and needs to be taken off. Thank you
Product: Mortgage

I received an Adverse Action from Chase bank regarding a HELOC I was looking into. I believe they are mistaken since they had no action to take - I denied their loan because the terms were not competative and the individual who was taking my application kept trying to get me to put more of my credit card debt and an auto loan on to the HELOC to get " more ''. Of course I was looking for liquid cash, not debt consolidation to a higher rate product so I refused their loan. The net on his pitch was that if I transfered every debt I have other than my first mortgage I could get a net of about {$6500.00} more on my HELOC - and as a result end up with very little liquid cash. Their matrix appears to be a bit stupid - either because of CFPB rule making or their own short sightedness. 
I am currently paying down my debts at more than {$3000.00} a month and have excellent credit ( XXXX - lowered because I put my card debt all on XXXX card ) and more than $ XXXX equity in my primary residence - I chose to discontinue the process when it became clear that the primary goal was to coral my debt service - not to extend me money in hand. 

Before the " debt crisis '' I was able to get a HELOC of {$140000.00} with lower income and higher debt - I have never missed a payment and understand credit. 

It is a difficult situation to have to spend a half hour telling someone about your life story at work - because they have short hours - so they can make a deterniation as to how much they are willing to lend. I am sure part of this is to make sure I have " skin in the game '' and wo n't walk from their loan. They should have a loan calculator online so I could see how bad their offers are without dealing with a person who is afraid to make a misrepresention. 

I would like an address where I can send them an Adverse Action explaining why I walked away from their useless loan product. On the bright side - if I do not get a loan from my insurace company - who is still working on the Dood-Frank changes to their contract - I will pay off all of my debt including my house within five years and can remodel my kitchen without XXXX.
Product: Debt collection

The debt collected called a high school friend in order to confirm my contact number. I am unsure how they got one of my friend 's phone numbers or why they were contacting a friend of mine about my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous Case Number with CFPB : Case number : XXXX ( EQUIFAX HAS NOW FROZEN MY CREDIT REPORT AND HAVE FAILED TO ACT ON INFORMATION I PROVIDED ; I WAS INSTRUCTED TO PROVIDE ADDITIONAL INFORMATION ON MY IDENTITY AND I DID. PLEASE SEE ATTACHED DOCUMENTS ) On XX/XX/XXXX, and XX/XX/XXXX, I disputed an account reported by XXXX County Superior Court ; Case # XXXX ; Amount : {$1800.00} in the file you maintain under my Social Security number. 
I was informed on XX/XX/XXXX that the item was deleted from my credit report with Equifax. 
Now I discovered that the item has been reinstated on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five ( 5 ) business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the BBB. 
Please govern yourself accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, GA XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau This item has been removed from my credit report with XXXX, XXXX  and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contested an incorrect late payment, with 2 of the credit bureaus ( XXXX  and Equifax ), along with the creditor ( XXXX XXXX XXXX ). Not one of these individuals, had the decency to even reply to me and let me know what was going on. I am not really sure if an investigation was launched, as I was never contacted by any of the 3 parties, however I hold XXXX  and Equifax accountable for ignoring me and reporting incorrect and bogus information, that affect my credit score. I am enclosing one of the letters I sent to XXXX, back in XXXX of 2020 .... I also sent an exact letter to Equifax and XXXX XXXX XXXX.
Product: Credit card or prepaid card

I just recently checked my credit report with XXXX XXXX and it looks like there is a fraudulent credit card account opened with Citibank CBNA under my name. Citibank has never contacted me about this account or provided me with any information at all to verify if this is indeed my account and they have been reporting this on my credit report. 

Looks like the account was opened on XX/XX/2021 and has been reported on my credit report multiple times. I have filed a fraud report with Citibank but they have not provided any concrete updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint, ID FOR COMPLAINT SENT TO EQUIFAX # XXXX, pertaining to the Equifax debacle that cost 148 million people their personal information security. However, that complaint is not enough ; due to the fact that Equifax effectively sold ( for free ) my lifes most critical personal information to individuals and companies all over the world, and for a limitless time, I demand substantial compensation as a result of Equifax costing me a lifetime of insecurity and nameless misuse of my personal information. My life may not be worth anything to Equifax, but it is worth plenty to me! The ramifications, implications, and damages that the compromise of my personal information has cost me should cost Equifax as well. It has been quoted by news sources ( XXXX ) that key Equifax employees liquidated their stock in Equifax two days before the hack on Equifax. They profited from not updating the software that would have prevented this from happening. This is a criminal attack, identity XXXX, and the giving away for free my lifes history and most personal information. Unacceptable and Equifax is culpable for it.
Product: Mortgage

TD Bank is insisting on requiring an in house appraisal inspection. AQll we are doing is trying to convert an existing HELOC into a 30 year fixed rate. All the credit stuff is done and approved. It is all about the appraisal conditions. 

We do not want anyone to come into our home right now and we have offered to take any pictures they want, allow the appraiser to look around outside and look into any windows that they want, plus we would be happy to provide copies of all plans, COs and related document etc., just dont come in. Since they were good with the previous appraisal only about 1.5 years ago when we took out the HELOC we fail to see why we need to risk our health, and maybe our lives to accomplish this, again? 

TD Bank is being unreasonable and unresponsive. We have been long time customers of TD Bank dating back to when they took over the local XXXX XXXX  ; so at least since before 2007. They already took the money for this appraisal! TD Bank is dragging their feet on getting me a response, too. We would just go to another loan service and start again but they have me over a barrel. I cant close this HELOC for about another year under their terms.
Product: Money transfers

I payed XXXX XXXX on XXXX and revived an conformation nuber on XXXX saying that it 's been payed than I mack an order with XXXX and received an conformation no. Saying it wose payed an being delivered on XXXX than I go an look for it and than its been canceled so I XXXX a XXXX order and it wood not approve the transaction come to find out the payment has ever been returned but not to the fargo acount I payed with
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am a victim of a transunion Inquiry issue where they had removed all my inquiries and then readded them into my account with no notice, I tried to resolved this issue with them over the phone but they were no help and told me they couldnt help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I   check my credit report once a month to make sure that all of my accounts are being reported correctly. In  XXXX , I noticed a random collection company by the name of Amsher Collection services reported a collection on my reports with an acct # of  XXXX . It states that I owe   XXXX  . I do not have  XXXX  nor have I had their services in over 7yrs. I then started to get phone calls from this company. I spoke with them and informed them that I did not open a   XXXX   account and I do not owe them. I told them the account is fraudulent and not mines. The rep also quoted me some fraudulent address that is not mine. I have never received any letters from  XXXX  or Amsher Collection.
I have contacted all   XXXX   credit bureas regarding this fraudulent account. Since,   XXXX   and   XXXX    have completed their investigation and removed this account.
  XXXX    however has not removed this account.