23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I HAVE CONTACTED XXXX XXXX XXXX TO INFORMED THEM THAT THEY ARE VIOLATING THE CREDIT REPORTING ACT BY REPORTING MY ACCOUNT WITH THEM AS CHARGE OFF WITH A BALANCE OF $ XXXX.THIS ACCOUNT ORIGINAL CREDITOR WAS CITIBANK, N.A.THE FEDERAL TRADE COMMISSION IS CLEAR IN THEIR OPINION IN THE GUIDELINES FOR POLICIES AND PROCEDURES.  PREVENT RE-AGING INACCURATELY CHANGING THE DATE OF FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE AND REPORTING THE WRONG AMOUNT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION. THEY DID NOT PROVIDE PROOF OF OWNERSHIP.
Product: Mortgage

I recently applied to increase my credit line for my home equity loan with Regions Bank. I called and talked to XXXX XXXX XXXX XXXX at Regions. She quoted me a rate of 2.99 % for the 1st year due to relationship rewards and a 3.5 % rate after the first year but on a variable rate. This was much better than my current 5 % so I asked her to start the process. I wanted to increase my credit line to build a covered deck. Once the appraisal and the paperwork were ready I went in to sign the papers. I saw the 6.75 % on the papers but XXXX XXXX assured me that the rate was just calculated differently and that I was getting a better rate .... the rate I was promised. I told her I just wanted to make sure I was n't going backwards and she again assured me that I was getting a better rate. I trusted what she told me and I signed. About 10 days later I got a statement. The first thing that caught my attention was that the finance charge was around {$15.00} higher than the month before. I had drawn nothing off the account. I again looked at the rate and it said 6.750 and pulled out the statement for the previous month and it said 5.000 as the annual percentage rate. I went to see XXXX the next day. She promised me that she would do everything she could to correct this. A few days later she told me that the bank had agreed to give the the 2.99 as promised for the first year but I was stuck with the 6.75 % rate as I had signed the papers. I signed the papers under the understanding that I was getting the lower rate. I feel that I should be able to revert back to the original loan with the original credit limit as it has been less than 30 days. She told me that I was only given 3 days to back out of the loan. I had not received a statement at that point so I did n't realize there was a problem yet. I just want to revert back to my original loan as I was given incorrect information during the signing of the loan papers.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity fraud this account does not belong to me. 
This being on my credit profile is preventing me from moving forward to getting my own credit cards of my own apartments loans even a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2023 I submitted an online dispute for 6 inquiries on my credit file that I did not authorize and have knowledge of any dealings with that company. On XXXX XX/XX/2023, the same day the dispute was closed by Equifax stating the inquiries were factual. I put in the dispute to provide proof with my signature of authorization which does not exist but yet again Equifax verified false information in my report. We are not talking about a few days or weeks to contact the companies and get valid that I authorized them to see my report. They did nothing for the investigation and that violates the FCRA. They are required to provide and have proof that the information is accurate, not just the words of the creditor. They have an obligation to ensure that accurate and truthful data is on my credit file but yet they continue to fail.
Product: Debt collection

I moved into The XXXX XXXX XXXX XXXX XXXX  XXXX weekend of XXXX. From day one there were major safety issues. Due to their fire sprinkler system remaining out of code, apartment fires followed by floods caused by their faulty sprinkler system became a common trend. So much that renters insurance would no longer provide coverage. The aftermath of the fire and floods caused XXXX to be in apartments without notice, requiring industrial fans 24/7 paid at tenants responsibility in addition to constant black and other toxic molds due to the building never drying out. Due to the catastrophic nature of residing here, for my safety I needed to move prior to lease ending. Again due to the ongoing issues I was allowed to end my lease early. Shortly after, The XXXX  switched management companies and all prior communication, written and verbal vanished. Their leasing team was outsourced and I was no longer able to reach anyone there. After I was finally able to move, The XXXX sent me to collections for over XXXX, that account is currently owned by Hunter Warfield, and this has made it impossible to be approved for a new apartment lease elsewhere. Any help that could be provided will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I found numerous inquiries from creditors who I did not give my permission to pull my credit report. These inquiries are fraudulent. Please remove these fraudulent inquiries from my credit report. 


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
Product: Credit reporting or other personal consumer reports

I called to make a payment on my XXXX XXXX account on XX/XX/XXXX before my XX/XX/XXXX due date. Their online system will not accept my XXXX XXXX  account online, so I have to spend the time speaking to a customer representative to make a payment. 

I spoke to a customer representative over the phone and confirmed both my account number/routing number. She confirmed that the payment had been processed. 

I got notice a few weeks later that they had reported my account as past due and then proceeding to report to all the credit bureaus, which resulted in a chain reaction of several banks cutting my credit limits, leaving my unable to use cards for corporate travels/reimbursements. 

When I called XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, they confirmed that this was an error on their end. The agent had mistyped my account number and added an extra XXXX to the end. After this was done, there was no communication and the account showed paid online. They acknowledged fault and refunded the late fees. 

They mentioned that I dispute with the credit bureaus, but answered the dispute saying that I was past due. 

The two screenshots show that they reversed the late payments and recorded a payment on XX/XX/XXXX. The second shot shows my bank account on the date and that I had enough money to make the payment.
Product: Debt collection

My Name Is XXXX XXXX Today Date Is XX/XX/XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also i was a victim of the XXXX XXXX data breach several accounts on my credit report are not mine listed XXXX XXXX CARD SERVICE # XXXX I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

Account Current XXXX XXXX XXXX has reported Positive Activity : Account Current. 

XX/XX/XXXX Well done! Your account is now reported as current. It was previously reported as late. You're well on your way to improving your credit health. 
Source : Experian XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Status : ACCOUNT CURRENT Balance : {$8100.00} now Confirmation of Payment Request Received Payment Amount : {$930.00}, including service fee of {$5.00} Payment Date : XXXX XXXX, XXXX XXXXXXXX XXXX Payment Status : Approved Thank you. 

XXXX XXXX. 

XXXX PAID FOR THIS PreContract scam, THEY SAY THAT PART IS NOT COVERED. I specifically ask what is covered, when mechanic speaks with them, its not Covered like evert part, including the one they specifically told me was covered XXXX or XXXX  Vehicle OPTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Full-TermDEDUCTIBLE {$100.00} {$0.00} CONTRACT PURCHASE DATE XX/XX/XXXX CONTRACT PUR PRICE : {$1600.00} SO NOT ONLY did. XXXX get a monthly premium of approximately {$350.00} but I was required to pay each month {$440.00} for the XXXX coverage. This XXXX  coverage was in lieu of force-placing collateral-protection insurance and had been represented as a product where XXXX would pay for XXXX cost of covered repairs and, in the event of a total vehicle loss, cancel the borrowers debt. 

Instead, They gave the run around XXXX after roughly XXXX months at the collision repair shop, I was asked to get the car towed somewhere else Or pay storage fee, they tried but storage fees will be required car has been there nearly 6 months and XXXX was unprofessional and so i got car towed to mechanic shop. And thats when I realized i got cheated out of My pre contract add-on And immediately after leaving collision repair shop, its was reported Repossession, my Last payment of {$920.00} On XX/XX/XXXX Balance as of XX/XX/XXXX {$7400.00} Now I owe according to XXXX nearly XXXX dollars. I also will have to file a motion to reverse default judgement, I was completely unaware I was being sued, and still My credit continues to plummet because XXXX keeps reporting late payments to credit bureau with inaccurate dates for my payments and Amounts, and every time I Dispute they just keep winning and nothing happens rightfully on my End because here goes more interest fee And lates fees hiking The. Past due after the car was sold and wrote of a few time
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Product: Debt collection

As stated, I returned a XXXX order I had made using Dell Financing and have documentation proving return was received and refund granted. I have reached out to Comenity to remove the erroneous debt but was told that there was nothing they could do. It is extremely frustrating to be stonewalled and framed when I have absolutely nothing to hide and everything that a company should need to verify my complaint and remove the debt. I am a member of our military and this debt collection has severely impacted my career and good standing with my leadership. I can not understand how apathetic a company can be towards a customer when it was entirely their fault for filing a false debt and I am left with repairing the damage this has done to my life. 

Comenity, when you read this, I invite you to imagine the power you hold over consumers and the responsibilities given to customers that are affected by your decisions. I am left with pieces of my credit to salvage and I ask that you respect my complaint and do what is necessary to amend your mistakes. I ask no less as a serviced member of our proud military. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made serveral attempts to resolve my issue with XXXX XXXX XXXX in regards to validate the account, not the balance. I havent received know payment history or any verfication that the account is accurate and/or beloning to me. I 'm willing to assume ownership only if they provide me with sufficient evidence that this account was truly mine and proof of the payment history verifyng the amount owed is correct. I 'm concerned that this account may not belong to me, and/or the reporting to Equifax, XXXX and XXXX may be inaccurate. In complaince with FCRA 623 ( a ) ( 8 ) ( D ) and acting regulations published at 74 Fed Reg 31484 ( july 1, 2009 ), this notice includes. Basis of disputed : On  XXXX acct # XXXX shows no payment history, only charge-off history.Open date XXXX/XXXX/XXXX, last updated XXXX, charged-off XXXX with last payment dated XXXX/XXXX/XXXX. XXXX  shows last payment dated XXXX/XXXX/XXXX and a close date of XXXX/XXXX/XXXX with no payment history. Equifax shows only the only a open date XXXX/XXXX/XXXX with no payment history only a charge-off history. My question is how are the bureaus completing an investigations without updating the account with payment history, only a stating that it 's valid.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute has been pending since XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX 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

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/22 Saturday I applied online at XXXX XXXX  for a business credit card and also a personal credit card. On the business end it was a soft pull and on the personal end it was supposed to be a soft pull also but it ended up being a hard pull. I spoke to their customer service manager this morning at XXXX and his name is XXXX and he claimed theres nothing he can do to remove the hard inquiry. Cause on XXXX XXXX website it clearly states that they need your social for just identification purposes and it does not state that it will be a hard pull on Equifax Credit Bureau. There are not being transparent and playing mind games with the consumer.
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 rights to privacy and confidentiality under 15 U.S.C 1681. 


Account name XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
Account name : XXXX XXXX  XXXX, has violated my rights. 
Account name : XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX  # XXXX, has violated my rights. 
Account name : XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXXXXXX # XXXX, has violated my rights. 
Account name : XXXX  # XXXX, has violated my rights. 
Account name : XXXX XXXXXXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX AUTO # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX, has violated my rights. 
Account name : 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 A section 2 : It also states a consumer reporting agency can not furnish an account 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 the records of conviction of crimes which dates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

on. for 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 XXXX XXXX XXXX XXXX OPEN BALANCE {$8900.00} OPENED XX/XX/2022 XXXX 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Product: Credit card or prepaid card

This is a new card with Comenity bank. It is a card that is used at " XXXX  XXXX XXXX '' furniture store. The charged me a {$26.00} late fee on this account. My payment check was mailed on XX/XX/XXXX from XXXX, Indiana to XXXX XXXX, Texas. I used their envelope and payment stub. The due date was XX/XX/XXXX. I received statement today showing a late fee and I called their customer service. They were unwilling to help and would not refund the late fee. They claim they received my payment on XX/XX/2020. I asked to speak a manager. I spoke to someone new but I do not believe they were a manager. I was told it would not do any good to speak to anyone else. They would not refund the fee. This was my first payment on this account.
Product: Money transfer, virtual currency, or money service

Until now I still don't know where it came from why I had a limit by XXXX XXXX XXXX XXXX, although it can be seen from my transaction that I did not sell anything like that. I'm expecting that money to pay the rent of the house my family lives in, my due date is on XX/XX/XXXX, now I'm having XXXX  and I'm confused where I'm going to get the money because we might be evicted from the house, You don't know what trauma you cause by permanently limiting for the wrong reason. It would be ok if I really sell, but no, I don't really sell XXXXXXXX XXXX XXXX. if this XXXX is attact my mental health i dont know what can i do? Its so stress full im feeling so down now about my family I hope God will have mercy on you for what you are doing
Product: Checking or savings account

Applied at US Bank. They closed my account within 2 to 3 days without a notice. Called spoke to a representative. She did not give me any details. Prior to that conversations I tried to contact her for 3 days, left voicemails, had questions. She did not call back. Called again, she had no response. Did not give me a reason. Did not answer simple questions. Such as, is there something I should be concerned about? Is there something I should keep an eye out in case it were to impact my day to day living? She gave me no details. Said she had the right to close my account due to the terms and conditions. I feel it was an act of racism.