23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2018 a company called XXXX XXXX charged my citicard {$490.00} for an appraisal. I withdrew the application for the loan by email on XX/XX/2018. they did the appraisal anyway 11 days later. I disputed it with citicard on XX/XX/2018 and they gave me a credit. On XX/XX/2018 I received a letter from citi stating that the charge was valid and asking for further information to prove my claim that it was not. I sent a copy of the email that cancelled the loan dated XX/XX/2018. Sometime after XX/XX/2018 the charge again appears on my statement with a date of XX/XX/2018. There has been no further communication from Citicard prior to this charge appearing again! I have not received this statement yet but saw it online. This is not a valid charge and I want it reversed immediately! Thank you for your assistance in this matter! Sincerely, XXXX XXXX
Product: Debt collection

I made payment on XX/XX/XXXX in the amount {$920.00} for acct # XXXX, paid to Ocwen Loan Servicing, LLC. I notice that the payment was returned along with receiving a fund returned letter dated XX/XX/XXXX. for not sufficient to satisfy the reinstatement amount on the account. Which I have always pay the escrow, which is my taxes and insurance., The payment applied is the correct amount, that I previous pay consistently. Further investigation needs to be looked at in a timely manner according to my records. I also receive a letter separate class action suit in regards to phone calling and harrassment. and challenged the debt that is supposed to be correct. However I will submit the evidence for your record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} - Charge-off XXXXXXXX XXXX XXXXXXXX Balance : $ XXXX Charge-off
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. Equifax is refusing to delete a tax lien record from my credit report that is not mine. It is being reported as paid and released but I have never had a tax lien placed against me for any reason. It has a " Date Filed '' of XXXX 2015 and account number # XXXX. It does n't make any sense for this to be on my Equifax report. The other two bureaus, XXXX and XXXX, are not reporting this on my credit at all. This account randomly showed up on my XXXX report a couple of months ago and the moment I sent disputes to have it deleted, XXXX deleted it very promptly. I am attaching a copy of XXXX XXXX  deletion letter. As the credit bureau 's records will show, I have been disputing this for a very LONG time. To this date, I have only received generic responses claiming the account information is accurate to be on my report. This is frustrating and confirms to me that the credit bureau has not been processing my past disputes properly. I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not make these charges. I would like to ask that the items be removed to correct my credit report. 
I reported the information of identity theft to the Federal Trade Commission and I have also provided copies of the Federal Trade Commissions Identity Theft Affidavit. Please remove these items.
Product: Credit reporting or other personal consumer reports

I didn't authorize XXXX XXXX XXXX to check my credit report on XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Someone is fraudulently using my information in an attempt to open lines of credit. 

On XX/XX/23, I was alerted by Experian that a hard inquiry was made on my account on XX/XX/23 by XXXX which resulted in a decrease in my credit score. I did not apply for any credit. I contacted Experian and they put an additional level of alert on my credit file. 

On XX/XX/23, I was again alerted by Experian of another hard inquiry on my account by XXXX which again resulted in another decrease to my credit score. I DID NOT APPLY FOR ANY CREDIT from XXXX. 

On XX/XX/23 I contacted Experian XXXX department to dispute the inquiries and have them removed from my report. I also placed a freeze on my report. Experian also advised me to file a report with your agency. 

On XX/XX/23 I contacted Security Verification at XXXX Bank. They confirmed that someone applied online for a credit card using my information.The applications were denied and flagged as fraud. They agreed to have inquiries removed from my credit file, and to send me identity theft information in the mail. 

It is apparent to me that the online application was a result of credit card mail solicitation that was intercepted.
Product: Credit reporting, credit repair services, or other personal consumer reports

please refer to complaint # XXXX. XXXX admitted fraudulent use of my identity regarding the XXXX XXXX  application ; I was told in writing that the fraudulent inquiries would be removed from the 3 CBs ; not only the inquiries were not deleted, but, there was an additional unauthorized inquiry by XXXX dated XXXX/XXXX/2017. What 's going on? Why is XXXX keep doing this ; who in the credit department is using my identity. There is fraud here and needs to stop immediately and the fraudster in the credit department arrested!!!!!!!!!!!
Product: Debt collection

XXXX XXXX XXXX is trying to collect a debt for Bank of America. I do not feel I owe this money. I was in XXXX  and long-term XXXX  during the time these fees were incurred. I gave my mother Power of Attorney to officially to handle my business affairs. She repeatedly tried to close my account at the bank in order to prevent fees from being assessed, but even with the Power of Attorney official paperwork they would no allow her to do so and said it was Bank policy that the owner of the account be present to close the account. This was, however, impossible. They would not even allow me to be on the phone, it had to be in person. I do not feel I should owe monies incurred from fees during this time due to their inability to properly handle the situation. 

I'm asking for intervention to have this debt erased. 

Thank you in advance for your help as we have not found remedy with Bank of America. 

Sincerely yours, XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a secured credit card through Wellsfargo Bank. I was upgraded to a non secured card and my deposit was supposed to have been paid back to me. I was told that I should receive a check in the mail by XX/XX/2021. I have never received that check. So calling them back I was able to reach someone who said they could put the funds directly into my account. As of XX/XX/2021, I still haven't received anything. Calling Wellsfargo today after speaking to 4 or more people I was able to speak with XXXX who informed me that the check had been cashed on XX/XX/2021. The next person I spoke with states that XXXX should have not told me. I appreciate XXXX. I don't appreciate all of the other workers that continue to fail to do their jobs. Also I was told the only person whom can assist me is XXXX and his phone number is XXXX XXXX XXXX XXXX. I left a message. My credit score is dropping due to high usage because I had planned on using the XXXX dollars to pay of the credit card balance. No one has helped me get my funds back.
Product: Credit reporting or other personal consumer reports

I disputed this last year XXXX in the month of XXXX but nothing happened. I will like this removed from my XXXX credit report, because it doesnt belong to me the information is false.
Product: Credit reporting or other personal consumer reports

COMENITY BANK REPORTED A CHARGE OFF ON MY CONSUMER REPORT AND THIS MEANS THAT THEY WROTE IT OFF. 

ACCORDING TO THE FDIC EVERY ACCOUNT IS INSURED FOR {$250000.00} DOLLARS. IF ALL ACCOUNTS WITH BREAD FINANCIAL, THE PARENT COMAPANY OF COMENITY BANK AS WELL AS COMENITY 'S ACCOUNTS ARE INSURED FOR {$250000.00} THEN, COMENITY BANK DIDN'T LOSE ANYTHING. IN FACT, A FORENSIC AUDIT OF THE ACCOUNT WILL SHOW THAT COMENITY BANK COMMITTED SECURITIES FRAUD AND MAIL FRAUD BY XXXX. THEY CONTINUED TO SEND SECURITIES THROUGH THE MAIL BY WAY OF BONDS AND COUPONS WHICH THE LAW SATES THEY SHOULD BE ONLY SENT BY REGISTERED MAIL OR COURIER SERVICE. 31 CFR 328 XXXX. COMENITY BANK HAS NEVER SENT ME A 1099C XXXX. I DO NOT CONSENT TO MY PRIVATE INFORMATION BEING SHARED XXXX. AFTER COMENITY WROTE OFF THE DEBT, THEY RECEIVED THE INSURANCE MONEY AND THEN SOLD IT TO A THIRD PARTY DEBT COLLECTOR IN AN EFFORT TO TOTALLY HARM ME. 

XXXX. THEY DOUBLE DIPPED XXXX. CAUSED ME YEARS OF HARM BY REPORTING THE CHARGE OFF WHEN ITS ALREADY FRAUD FROM THE GET GO. 

XXXX. THEY DIDN'T FOLLOW THE INDENTURE AGREEMENT NOT THE INDENTURE ACT OF 1939 XXXX. SOLD MY RECEIVABLE FOR THIS ACCOUNT ON THE FIRST AND SECONDARY MARKET AND TOOK THE PRINCIPAL AND INTEREST When a debt is sold to a third party, that is considered a certificate of indebtedness. The cancellation of a debt means it is income and it is against the law to report income on credit reports/credit profiles. Please immediately remove all of the charged-off account from my credit report. 
AND THEN CONTACT THE THIRD PARTY THAT YOU SOLD THE DEBT TO AND DELETE IT OFF OF MY CONSUMER CREDIT REPORT IMMEDIATELY. 
THE STATUTE OF LIMITATIONS IN MARYLAND IS 3 YEARS. 
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet COMENITY BANK is reporting this information. 

The reporting of excluded information pursuant to XXXX5USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of companies compliance. Provide me with the compliance disclosure on reporting transactions to a consumer reporting agency. derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved In addition : According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit card or prepaid card

My credit card along with my wallet and phone was stolen and there are a lot of unauthorized transactions/fraudulent transactions on my account and when I finally received a new phone I log into my account and now its closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I was damaged by the Equifax XXXX XXXX in XXXX. My personal information was compromised, and fraudulent accounts were open in my name and is still being reported on my consumer report. I've paid out of pocket {$4800.00} in credit monitoring products and placing and removing a credit freeze on my credit file from XXXX until now XXXX. I've also paid out of pocket {$3500.00} in legal fees for litigation in regards of identity theft, fraudulent accounts and other misuses of my personal information caused by the XXXX XXXX in XXXX. I am still fighting for remedy because of this breach, I've been denied for employment in XXXX and XXXX because of this breach, I've been denied extension of credit from 3 financial institutions, and I've also been denied rental access because of this breach. My character and credit reputation has been ruined due to this breach, and I am in entitled for reimbursement of all the funds I've paid out since XXXX in order to save my character and credit reputation.
Product: Credit reporting or other personal consumer reports

During COVID I was signed up for a predatory loan. Car valued at {$21000.00} financed for {$23000.00} down payment {$2800.00} remaining balance {$20000.00}. Payments of $ XXXX {$600.00} paid began XXXX. By XXXX less than {$2000.00} had gone to principal. There were months when no money went to principal at all. American Credit Acceptance formally known as Credit Acceptance has been cited for this inappropriate activity before. 

When I attempted to resolve the problem, the company violated 15 US C1681IA one they also violated 15 USC 1681IA 6-B3 in addition to 15 USC 1681I 865 B.
Product: Credit reporting 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. 

Account name : # XXXX XXXX, Account number XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized and inaccurate accounts reported from my credit report
Product: Credit reporting or other personal consumer reports

According to a CFPB brochure, effective XX/XX/2022, XXXX, Equifax and XXXX will no longer include medical collection debt under at least {$500.00} on credit reports. 
I have made a payment, and it's still showing an incorrect balance ; it's still showing on my credit.
Product: Mortgage

I have 30 yr fixed mortgage for which I have been paying PMI since the loan originated in XXXX. I took few months of forbearance during COVID in XXXX. Currently I am trying to remove the PMI as my LTV is at 80.5 %. I was advised that even if I paid down to 80 % LTV, I would still not be eligible for PMI removal due to " late payment '' within past 24 months as it relates to my forbearance. Aside from forbearance, all my payments have been on time. The company is quoting Homeowners Protection Act : " A borrower has a good payment history if the borrower : ( 1 ) has not made a payment that was 60 days or more past due within the first 12 months of the last 2 years prior to the later of the cancellation date, or the date that the borrower requests cancellation ; or ( 2 ) has not made a payment that was 30 days or more past due within the 12 months prior to the later of the cancel- lation date or the date that the borrower requests cancellation. '' Nowhere in the act mentioned that forbearance is to be considered as late payment. The forbearance does not affect my credit therefore it has no bearing in being considered as late payment.
Product: Debt collection

I have written to Equifax several times pointing that there reporting on my credit report is inaccurate ... they are not showing who it is who is trying to collect debt. Equifax has failed to respond but continues to report this inaccurate and unverifiable information. See attached excerpt from the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX  XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under -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 -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: Credit reporting or other personal consumer reports

I'm reaching out for a follow-up to emphasize that I'll be updating my credit reports within the next 15 days. This complaint is sent with the expectation that you will take necessary actions to remove the listed items from my credit reports. Attached to this complaint are my identity theft reports # XXXX and # XXXX for your reference. Kindly review the items below for removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair crediting reporting act .The list accounts below has violated my Federal protected consumer rights to privacy and confidential under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX # # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX U.S.C 681 section 602 A states I have the right to privacy 15 U.S.C 681 section 604 A section 2 It also states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1681 c ( 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 cost to believe that the information is inaccurate
Product: Debt collection

They called my cell and said they were sewing me for bank America for an old overdraft account which I did not have. There phone number is XXXX there name is XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/XXXX, like most people, I found out about the hack of personal information at XXXX. The first day it was available, I checked the site that informs you whether they thought your information was among the data stolen, and did receive confirmation that my information was stolen. I was told to return to the site on XX/XX/XXXX to enroll in their TrustedID Premier credit monitoring system for free. Given the uncertainty around what legal rights I might give up by agreeing to sign up for the system at the time, I delayed my enrollment until later that week. Once I filled out the online form, I was informed that I would be contacted later to complete the set up process. 

On XX/XX/XXXX, I received an email from Equifax, noting that I need to click on a link within the email to complete the set up of my account, and that it would only be valid until XX/XX/XXXX. I immediately clicked on the link, but the web page that loaded noted that the system was unavailable at the time, and to try again later. I have attempted to complete the set up now for every day, at multiple different times of day, for the past six days, receiving the exact same " system unavailable '' message every time. An XXXX number provided in the email for questions diverts you to a voicemail system that is too full to receive messages. 

Equifax has had nearly a week to increase the capacity of their system to handle the load of the number of people applying for their service, yet it remains completely inaccessible. What 's more, with the deadline they imposed on signing up, every day that the system is down is one less day available to sign up. I am concerned that it has now been several months since my information was stolen ( and I do not even know to what degree it was stolen ), yet I am still unable to take protective action with the company that let it happen. What 's more, every day that goes by that people can not sign up for the service is another day that people will certainly forget about the need to complete their account setup. 

The theft of this data has already been shown to be the result of blatant incompetence in information security. The fact that the meager defenses against the use of this data remain unavailable for this long should be bordering on criminal.
Product: Credit reporting or other personal consumer reports

I was XXXX XXXX XXXX XXXX when my last month of interest free occurred. By the time I made it back to land I realized the issue and paid the interest for some time while trying to work with XXXX to resolve this issue. Last year XX/XX/year>, when they reached out to obtain information for my military service to receive Servicemember civil relief act, I sent in my orders and the final contact is when they sent me a letter about closing my account. Once the closed account hit my credit, I called them to figure out how to remove the negative balance and they said I had to reach out to Credit Bureaus.