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

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Someone tried to open an account in my name at Ulta Beauty ( Comenity Capital ). I contacted the credit card company and notified them this was opened without my permission.
Product: Checking or savings account

XX/XX/year> - Chase closed my account for fraudulent transactions. I was not making the transactions and they dispute things that I paid for and getting the money. Chase closed the account. And said I had to wait ten days. I have No money at all. I am glad Chase closed it. But I am trying to tell them that I was not doing it and I have proof. Taken from the way they was getting money was {$500.00}, {$700.00}, {$500.00}, {$500.00}, {$190.00}, {$190.00}, {$190.00}, {$500.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Al, XXXX SS # XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dear Sir or Madam, I am writing to formally dispute the accuracy of information listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : Name : XXXX XXXX XXXX XXXX Account XXXX Date XXXX Balance {$1700.00} I believe these accounts are inaccurate and the information is incomplete Please investigate this matter within the 30-day period as required by law and correct or delete the disputed item from my credit report if it can not be verified. If the item is verified, please provide me with the method of verification as required by the FCRA. Thank you for your attention to this matter. I look forward to your prompt response. This information is harming me mentally and financially. Sincerely, XXXX XXXX
Product: Mortgage

I got a mortgage from First Bank Puerto Rico, with the XXXX endorsement, It has been 14 months, and they have not registered the property under my name with the State of PR, in addition they have not paid the taxes to the state, and at 12 months raised the payment from XXXX monthly to XXXX I have tried to speak to a manager however the assistants have given me the run around, how does a fixed rate loan increase that aggressively in such short time period, Most importantly, the registration of the property and the taxes worries me, for i can be fined by the state Revenue Department, please advice, I served for XXXX  years in the military of this great nation, and i am a XXXX Veteran, Respectfully XXXX ( XXXX  ) USA
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized, AND INACURRATE ADDRESS. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I was contacted by XXXX XXXX from Global Solution Biz. He threatened to place liens on my cars and homes and to take me to court. He was very rude and made the conversation very uncomfortable by talking down to me. I was set up for payments of {$200.00} on XX/XX/XXXX and XX/XX/XXXX. The payment scheduled for XX/XX/XXXX never came out of my account, and when he called, he belittled and yelled at me, handling the situation very poorly. As a result, I paid {$200.00}, and I am supposed to make another payment of {$410.00} on Friday, XX/XX/XXXX. However, he is not giving me any information about the The company arrangement going forward. The last representative I spoke with before had no issues, and we were on the right path, but XXXX XXXX behavior has caused me XXXX XXXX XXXX XXXX Please get back in touch.
Product: Checking or savings account

I reported my debit card stolen to Bank of America and there was a fraudulent check posted to my account. I opened a claim with the fraud department. The claim number is XXXX XXXX and they said that they were going to remove this off of XXXX XXXX XXXXs and they havent so now Ive spoke to risk closures XXXX and they said they would review the claim and review my account and would have it removed in five business days. I called them today XXXX and they said theyre still waiting for a response from their back office team regarding this.
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost frustration and demand immediate action regarding the unauthorized hard inquiries appearing on my credit report. Despite multiple attempts to address this issue, your department has failed to provide a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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. ( I never gave XXXX XXXX XXXX permission to furnish any installment accounts on my consumer report. )
Product: Student loan

Starting at the end of XXXXbeginning of XXXX, I applied for and IDR Through Mohela. I was denied and called in, they told me to resubmit and to provide my XXXX tax docs. I did and was denied again. I had to called 6 more times, each getting a sliver of what to turn in to get approved. on the XXXX time I was Transferred to a Specialist who told me to submit my XXXX, XXXX, and XXXX w2 's and resubmit the IDR. the 7th time I called I spoke to a so called " specialist '' who pretended to know what she was talking about, just to get me off of the phone. I am a XXXX  and my colleague submitted his IDR not even a week ago and got approved. He submitted the same requested documentation that I did yet I still am waiting to be approved for over a month. This most recent time I called and was on hold for 40 mins before speaking to a representative. She could not assist me and kept putting me on hold. I asked to be transferred to a specialist who could better assist me. instead I was put back in que with a 90 min hold. I also want to mention that Mohela is only available from XXXX to XXXX est. which is when I am working. They normally will have 90 min que times. I am also a XXXX  Veteran who has XXXX, XXXX XXXX  and XXXX. I feel as though I am being discriminated against by Mohela. I have let them know that I can not make the insanely high payments, that I am a XXXX as well as a XXXX vet.
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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX and list of Inquiries. 

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 a
lso states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section S tates : 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 XXXX  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: Checking or savings account

I have been calling since the start of XX/XX/XXXX looking for my tax 1099-INT, customer service tells me to call the branch, I call there and request a copy since I didnt receive it and never changed my address. I need to file taxes and have explained to them just to let me know my YTD interest for XXXX they are unable to tell me over the phone, I am XXXX XXXX and cant go in the branch, federal law states they need to mail by XX/XX/XXXX numerous times I have requested the original or a duplicate and never get it.
Product: Credit reporting

XXXX broke there contact at that point in time never gave me notice of the change It went from {$89.00} each month to $ XXXX each month + they would add channels or remove channel and I never asked for there for I canceled.. I 've had several collection offers from $ XXXX there fore I elect none they ca n't get it right i owe nothing and want it off my credit score thanks XXXX XXXX
Product: Debt collection

There is a collection in the amount of XXXX from XXXX XXXX XXXX under sa-bit ent inc. This has been on my XXXX  report for 3 years and should be removed as it was removed from XXXX. Over the limit to appear on report
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am a victim of identity theft. I applied for a credit card at XXXX XXXX XXXX on XX/XX/XXXX and was rejected because of XXXX negative accounts ; XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX, but they do not belong to me and I never approved anyone to open them under my personal information. My personal belongings were stolen from my house on XX/XX/XXXX which included my Driver 's license and Social Security card amongst other personal items. I filed a report with CFPB already along with a police report with the XXXX Police Department and its an ongoing investigations, no arrest have been made yet. I need these accounts removed from my credit report as soon as possible because I am interviewing for a job and Satisfactory Credit history is needed. I never received any goods, money or services from these accounts. I also never authorize any bank to check my credit much less add accounts to it. My identity was stolen and I already contacted all the banks/accounts subject in this Identity Theft. All statements are true and correct without any omission of facts, to the best of my knowledge Please attach the follow documents to my dispute request.
Product: Debt collection

In XXXX of 2014, I had emergency surgery. I had XXXX XXXX health insurance at the time of the surgery. XXXX paid all claims submitted by providers. XXXX provider, Colorado XXXX XXXX, says they repeatedly submitted a claim to XXXX but the claim was denied. XXXX 's records show no claim was ever submitted by Colorado XXXX XXXX. The medical provider acknowledges they had complete and accurate insurance information for me and that I did my part of the process as a consumer. The medical provider did not perform their due diligence in submitting the claim in a timely manner. Once one year from the date of service had passed, they say they sent me a bill. I did not receive a bill from them and doubt the bill was sent ; it seems that they claim to have billed me the same as they claim to have submitted to XXXX, but no record can be found. They sent the account to collections and say I was notified, but I can locate no record of notification. 

On XXXX XXXX, 2015, I was served with a summons indicating I am being sued for the amount. It should be noted the summons was dated XXXX XXXX, but not issued until a full month later. Once I received the summons I contacted XXXX and Colorado XXXX XXXX. XXXX asked that the company resubmit. The staff member at Colorado XXXX XXXX assured me they would resubmit the claim. They did not. I had to contact the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX for assistance. They were able to review XXXX claim logs for the entire year and verified that the medical company had not ever submitted the claim. They will not submit now, which is needed for XXXX to issue me a statement of benefits showing I owe them nothing. 

Now, I am being sued for the amount of the bill, collections fees, and court fees. For something that is the fault of the health care company not following procedure. I am livid that I have no consumer protection from this sort of senseless lawsuit when I had insurance that would have paid the claim if it had been submitted.
Product: Student loan

They keep lying about the status of my student loans. I qualify but they are retaliating because I went to the XXXX  Court Building and explained the litigation earlier in the year.
Product: Credit reporting or other personal consumer reports

The financial obligations to this XXXX XXXX, account XXXX was affected as a result of an declared disaster. 
As to date the account have been paid on time and all payments should be marked as Paid As Agreed especially since the declared disaster was not as a result of my own doing. The dates are of XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Many people accounts was affected as a result of Covid and I do not feel that it is at all fair that I would have to wait until XXXX of XXXX to have these late payment removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I disputed accounts online with TransUnion. Todays date is XX/XX/2020 and I have not received a response. They are in fact past the 30 limit according to the FCRA. These accounts must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiry I didnt not apply for or authorized any credit card company access to my credit report Inquirer name XXXX Inquirer date XX/XX/2018
Product: Credit reporting or other personal consumer reports

I a consumer have been a victim of identity theft. Due to this fact my consumer report has been unjustly damaged and my consumer report is now inequitable. Furthermore 12 CFR 1022.3 Definitions states Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( WORLD FINANCE CORPORATION ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( WORLD FINANCE CORPORATION ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. I have also included and identity theft report with this complaint in the attachments below
Product: Debt collection

I went to a XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, NC the school got audited and had to close downover 400 people lost their commercial license I was one of those people I lost my due to this and Im still being told I have to pay my balance off https : XXXX Heres a link to the article
Product: Debt collection

On XX/XX/2014 .AMOUNTS ARE $ XXXX.THIS IS PAYDAY LOAN. I DID NOT LOAN IT. IT WAS NOT MY SOCIAL SECURITY NUMBER ALSO. I DID NOT KNOW THEY WERE HAVING TO REPORT TO THREE COMPANIES CREDIT THAT I OWERS.
Product: Money transfer, virtual currency, or money service

Through a string of text message communications with an acquaintance of mine, I conducted a few business transactions. My acquaintance in the first transaction was to winterize a boat for me in return for {$850.00} ; the second transaction was to winterize and ATV for {$250.00}. 

On XX/XX/year>, I used XXXX  to send the {$850.00} from my bank account. 

On XX/XX/year>, I used XXXX  to send the {$250.00} from my bank account. 

Since nothing had been done on the boat, I thought I better check in with my acquaintance. It turns out that someone else ( unknown to me ) was in my text string and fraudulently posed as my acquaintance and committed to winterizing the boat and ATV. They had no intention of ding either but took my money. I reported this to XXXX  using their APP, I went through the steps and filed the dispute on the day that the {$250.00} was to be released. XXXX, not providing any way out of their automated process, indicated that they could do nothing until the money was paid out. I continued to follow up with XXXX, eventually informing them that the app was not allowing me to attach information they requested ( which was really nothing more than I had already provided to them ). They agreed to follow up with me via email instead of the App. I went through this process three times and each time they could not help me. They never requested the proof that I had that this fraudulent perpetrator had committed to. I am a senior citizen on a fixed income, and I need help, XXXX  did not protect me and refused to take this fraud seriously Plese help! 

Sincerely, XXXX XXXX
Product: Mortgage

USAA prequalified me on income they knew that they couldn't use to close the loan. I recently transferred from XXXX XXXX military to the XXXX XXXX and took a civilian job with XXXX XXXX. I applied with USAA for a mortgage using my current and future income along with rental property that had just rented in XX/XX/2018. I was initially approved for XXXX and then after another review XXXX. My rental income was used as a basis for the decision even though I advised the loan processor that it wasn't reflected on my tax returns due to just being rented. I was told that this wasn't a problem. During the first review the loan was declined, with USAA citing that the VA doesn't allow rental income not contained on tax returns. I was lied to during the application process and now I have spent considerable time and money to secure a property that I can't close. USAA was dishonest from the beginning and led me to believe something that wasn't true. I then attempted to add my XXXX XXXX income, which they also denied because I don't have 12 months of pay.
Product: Debt collection

When I paid this account, the representative I spoke to promised me the account would be DELETED from my credit. for the last few years it has remained on my credit, despite many disputes and confusing correspondence. I should not have to go through such incredible lengths to enforce a promise. PLEASE HELP ME
Product: Credit reporting or other personal consumer reports

This is not a duplicate request nor filed by a 3rd party credit repair agency. I'm filing this CFPB complaint to request pursuant to FCRA 605 B ( 15 U.S. Code 1681c-2 ) that you, XXXX a XXXX credit agency, block information that is appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and collections and or hard inquiries as reported. The aforementioned accounts, collections and or hard inquiries, appearing on my consumer credit report maintained by you, were not opened, made, or initiated by me. All of the aforementioned accounts ; collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft criminal complaint, FTC Report Number # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and fraud.
Product: Credit card or prepaid card

Avant card stooped card use after one day late i proved beyond a doubt with a pdf that payment sent yet Avant would not help me solve this issue at all
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. states I have a right to privacy. 15 U.S.C 1681 Section 602 section 2 also states a credit 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 information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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.