23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Applied for highend affiliate credit card with XXXX and was denied due to an Equifax credit report that showed a bankruptcy. Equifax credit report shows NO bankruptcy. 

This is my 2nd complaint involving false and fraudulent information being reported by Equifax to credit granting institutions. To date the CFPB has taken no action against Equifax for this behavior though it appears to be a pattern. 

I have attached the denial letter from XXXX citing Equifax as the reason for the denial.

Please advise what CFPB is able to do to resolve this.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding fraudulent items that are currently being reported on my credit report. These inaccurate entries are severely impacting my credit score and financial standing. Despite my repeated efforts to address this issue, these fraudulent items remain unresolved, and the matter is now part of pending litigation. 
The presence of these false accounts is not only misleading to potential lenders but also a source of considerable XXXX  and harm to my financial reputation.
Product: Credit reporting or other personal consumer reports

ADDRESSES ARE INCORRECT AND INVALID AND SHOULD BE REMOVED FROM 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
Product: Mortgage

I have a HELOC with PNC Bank with a variable rate adjustable monthly. The line of credit is closed. I had filed for personal bankrupcy about 7 years ago and did not reaffirm this loan, but, PNC Bank has been issuing monthly statements and I have been making monthly payments on this loan for the past 10 years. The monthly payment amount changes due to the variable interest rate. 

PNC Bank has not issued a loan statement to me for the past 2 months. They have advised me that they have decided to discontinue issuing statements on HELOCs. They have informed me that they have no obligation, legal or otherwise, to issue statements to me on this loan. They will not allow me online access to the loan information since I do not have any other accounts with PNC. 

They can not tell me how I am supposed to make payments on this loan, or how much is owed monthly. I believe that PNC is violating their legal obligation to provide a monthly statement on this loan in an attempt to force me to refinance this loan because they no longer want to provide the favorable interest rate on the loan.
Product: Debt collection

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$90.00}.
Product: Debt collection

I received emails from CBE group for a 2022 account from XXXX XXXX XXXX I had an account that was a group billing from my HOA. I paid the HOA for the majority and had a small monthly fee for an extra TV box. On Friday XX/XX/2022, from Tracking XXXX, I packaged up the TV box & modem and returned it to them. I refused any router service at the initial install as I have my own multi thousand enterprise routing system in my house. I packaged this all and sent to them upon the HOA terminating the contract with XXXX and moving to XXXX. Now years later I get this invalid bill. I call XXXX to tell them I dispute this bill and there is no balance. In fact I have the FedEx tracker. They didn't have any more information about this invalid bill. They continued to press for updated contact information and said I'd have to mail them proof I don't have a debt. It's quite the opposite. I advised them I'd go ahead and send the copy to the CFPB, but I would not be mailing any " proof '' to a third party for an invalid debt. I've advised them already there is no debt.
Product: Credit card or prepaid card

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2017 with a balance of {$17000.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to EXPERIAN. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX including the unauthorized inquiries. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting company used your report improperly There are multiple companies that have made it hard inquiries on my account without my consent. This misuse of my credit report has caused me hardship such as high interest rates for a housing loan and high interest rates for a car loan, and even being straight up denied credit for having multiple inquiries. I have asked Experian to remove these inquiries off my account by disputing on the Experian website. On XX/XX/XXXX at XXXX XXXX I called Experian to tell them that I never get any of these companies permission to run my credit. I asked the Experian to verify the reporting of these inquiries on my account, instead of validating the inquiries the Cusomer service told me that they are valid and will remain on my credit report for the two years. I explained to her that I never gave my permission. I know my rights as a consumer rights under 15 U.S. Code 1681 section 602 A states I have the right to privacy. 15 U.S. Code 1681 section 604 A section 2 states that consumer reporting agencies can not furnish an account without my written instruction. To my disappointment I can not dispute any of these items on Experian website because they do not allow access to do so. 
These lenders have accessed my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX FXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I did not authorize the inquiry in question, and it has no permissible purpose under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies : TransUnion, XXXX, and XXXX These 3 Credit bureaus have allowed the Debt Collectors to " RE-AGE '' collection accounts on my credit reports. The debt collectors : XXXX XXXXXXXX XXXX XXXX XXXX XXXX is the Original Creditor. XXXX XXXX : XXXX XXXX is the original creditor. 

These collection accounts should have been removed from my credit reports in 2021. I've reached out to all three agencies and none of them provided evidence to the contrary. Yet the collection accounts remain on my report, after 7 years, re-aged, affecting my credit and cost of credit.
Product: Debt collection

I went to the XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2015. At the time I was unemployed and the bill was to be paid by XXXX via XXXX. I never received a bill from the hospital and was surprised to see the collection of {$780.00} reported in my credit report. The bill has been passed around to multiple collections agencies.
Product: Debt collection

I have spoken with the collectors who have called me with this collection in the past on more than one occasion to inform them of some hardships as to why I fell behind on those credit card payments. Multiple representatives from XXXX call me constantly even after hours into the night in a harassing manner about this mentioned account. I have disputed this for months on obtaining accurate information to be noted to report on my credit file ( XXXX and XX/XX/year> ) and the company did not rectify that either. The third-party portfolio is now suing me for the XXXX XXXX XXXX XXXX ) debt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inaccurate and fraudulent information that appears on my credit report. As per the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c-2, I have been a victim of debt trafficking, and I demand the immediate removal of the disputed items in accordance with federal law. 
Fraudulent Accounts : XXXX. XXXXXXXX XXXX XXXX XXXX  {$430.00} XXXX. XXXX XXXXXXXX XXXX XXXX {$1400.00} XXXX. XXXXXXXX XXXX  {$14000.00} XXXX {$8200.00} XXXX. {$72000.00} INQURIES : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are fraudulent and must be removed without delay. I have already notified the relevant authorities, and this letter serves as an official notification to your agency that I am a victim of debt XXXX. Under the FCRA, you are legally required to act immediately upon receipt of this communication, particularly given my victim status. 
Applicable FCRA Sections : FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) : Requires the blocking of fraudulent information related to identity theft. As I have been a victim of debt trafficking, you are required by law to block the reporting of these fraudulent items within four business days of receiving this request, upon receipt of my identity theft report and the documentation provided herein.

FCRA Section 615 ( f ) : Prohibits the sale or transfer of any account that is known to be fraudulent or in dispute due to identity theft. Any further attempts to sell, assign, or transfer these debts would be a clear violation of the FCRA, and I will not hesitate to take legal action if such violations occur.

FCRA Section 624 ( a ) ( 6 ) : Mandates that users of consumer reports refrain from furnishing information to any consumer reporting agency if they have been informed that the information is related to identity theft. This provision clearly requires the removal of these fraudulent accounts from my file.

Demand for Immediate Action : I hereby request that : All fraudulent accounts be permanently removed from my credit report.

A block be placed on any information that is the result of identity theft in accordance with 15 U.S.C. 1681c-2.

Written confirmation of the removal and the updated credit report be provided to me within the legally mandated time frame. 

Failure to comply with the above laws will result in immediate legal action, including but not limited to filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing civil damages under FCRA. I expect your prompt attention to this matter, as any delay in correcting these fraudulent items is a violation of my rights.

Enclosures : Copy of my identity theft report Copy of my government-issued ID Proof of address Additional documentation supporting this dispute I look forward to your prompt response and immediate compliance with federal law. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

Please correct these accounts : XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00}
Product: Credit reporting or other personal consumer reports

I would like these fraud accounts to be immediately removed from my credit report : 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/XXXX, I spoke with personnel from XXXX, XXXX, and Transunion about the potential for phony accounts to be created using my customer information. Since I didn't know how they got there, I begged everyone to erase these accounts. I received guidance from all three businesses on how to keep track of things and complete an FTC form. I submitted my information via standard mail on XX/XX/XXXX. Even after I had submitted my letters more than 30 days earlier, the accounts that were not mine were still shown in my documents since they had been " confirmed. '' I'm bothered and annoyed by this circumstance since it prevents my family and I from being able to purchase a home. I got in touch with the three companies again on XX/XX/XXXX to ask how they could demonstrate that these accounts belonged to me. They said there wasn't much more they could do to assist me and advised me to talk with the debt collectors directly. When the customer contacted, every bank that immediately sprang to mind had been dialed wrong and had no clue who I was or what the accounts were about. To be sure I didn't make a mistake, I conducted my study online. My friends told me to go to the CFPB website. I really hope this works since my family and I need the home we're trying to purchase.
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to mandate the elimination of any incorrect accounts from my credit report. Could you verify the documents, please? Some of the listed accounts inaccurately represent their reporting.
Product: Credit reporting or other personal consumer reports

This is my third 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, block 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
Product: Checking or savings account

As XXXX taxpayers, my husband and I are entitled to know what contracts Wels Fargo Home Mortgage has with the State of New York. These contracts should be of public record. List all former and present contracts held from 2005. Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, Inc. ) due to inadequate customer service and unfair practices, which violate the customer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

Poor customer service practices in Citibank 's fraud department. 
XXXX : I rec 'd a fraud alert in app and promptly called the bank, as the primary account holder. I provided my full name, code word, personal credit card #, and additional XXXX card # ( business account ). Rep would not listen and kept talking over me, asking if it was a debit card even though I repeatedly stated this additional # is a credit card and the only other account I have with this bank. I explained we are trying to add this card to a new phone. Rep says she can not verify me to be myself and can not send a code to my phone despite all the information I already provided. Rep asked for the account # s for other banks ( checking ) that pay my credit card. Really? never heard of this. 
1st Rep was unprofessional and kept asking for more and more info after I answered her Questions. She would not send text to my 1st or 2nd Phone # s or my email address on file. This rep asked if I was at work or had access to my work info, on a SATURDAY. There is no connection to my work and this card. I listed no work # or email. Rep tried to hang up on me, while I asked for the manager many times. Manager came on call and tried to add card to our 2nd phone. Manager was more professional but was not able to add card due to technical issues. 
XXXX : called to try and resolve again, same issues. 
Gave password, card holders name, credit card #, business card #, Rep still asking for NON citibank private account/ checking # s. Requested to verify with alternate phone # s listed on Citibank account. All additional card members on the line as well. Agent would Not verify via three phone # s listed on account. Goal post keeps moving. Big waste of time last 22 days. Fed up, will cancel card after 35+ years.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX, the Credit Bureaus have done their best at ignoring my requests for the correction of the disputed accounts on my Credit File. The disputed account have been reporting erroneous information which caused for my Credit File to be damaged. I took my time to review my Credit File and noted the following : a ) there is an account reporting to have late payments when in fact I did not, I was never late in paying ; b ) there are charge off account reporting balance even though charge off account should be reporting XXXX balance ; c ) there are public information reporting even though I never filed for bankruptcy ; and d ) there are accounts reporting even though some of the accounts were already removed from the other Bureaus. I am requesting that the Credit Bureaus correct the following accounts from my Credit File by either updating the payment status or completely deleted from my Credit File : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have multiple accounts that do do not belong to me.
Product: Credit reporting or other personal consumer reports

There is an account in my credit report that i do not know as mine Macys/CBNAXXXX, i sent CBNA a debt validation debit and them didnt give me any answers about this account..