23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an installment accounts opened at DEPT OF ED on various dates Account number ( XXXX ) an collection account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts and address have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX, I am writing to address a pressing matter regarding my account with XXXX XXXX XXXX XXXX, Account Number XXXX, which is currently inaccurately reported on my credit report. This discrepancy is not only undermining my credit standing but also infringing upon my rights as a consumer under the Fair Credit Reporting Act and the guidelines outlined in 15 U.S. Code 1681a regarding consumer reports.

As per 15 U.S. Code 1681a, a " consumer report '' encompasses any communication of information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, which is used or expected to be used for various purposes, including but not limited to credit, insurance, and employment. 

Given this definition, I am formally requesting that XXXX XXXX XXXX XXXX take immediate action regarding the inaccurately reported closed account on my credit file. Specifically, I urge you to promptly update the status of Account Number XXXX to reflect that it has been paid in full. 

This account was initially opened on XX/XX/2019, and has since been closed. Any outstanding balances associated with this account have been fully settled and resolved. However, the continued reporting of this account without acknowledging its paid status is not only inaccurate but also significantly detrimental to my credit standing. It is imperative that my credit report accurately reflects the resolution of this account to prevent any unwarranted negative impact on my creditworthiness. 

I trust that XXXX XXXX XXXX XXXX will address this matter with the urgency it warrants and in strict accordance with the provisions outlined in the Fair Credit Reporting Act. Furthermore, I anticipate receiving confirmation once the necessary actions have been taken to update the status of Account Number XXXX on my credit report. 

Should you require any additional documentation or information from my end to facilitate this process, please do not hesitate to reach out to me at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution that upholds my rights as a consumer and ensures the accuracy of my credit report.
Product: Credit card or prepaid card

I have been a with SHELLPOINT MORTGAGE SVC customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XX/XX/XXXX,XX/XX/XXXXXXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Mortgage

Application XXXX was signed on XX/XX/2022 after meeting mortgage broker XXXX XXXX ( Bank employee ). Fixed Interest rate was promised between 2.75 % to 2.87 %. XXXX XXXX confirmed verbally he had a budget to reduce the interest rate offered on paper which was displayed at 3.25 %. 

We were told the next step would be home valuation and credit check. The check did occur but the valuation didnt despite many follow ups with the Bank XXXX 

After a month, the Bank informed us that a new application had to be done. The application was done, a new credit check was conducted and the home appraisal was made ( paid by me XXXX $ ). The rate on the new application was promised to be the same as mentioned above locked between 2.75 % to 2.87 % however the paperwork showed a different amount. 

After many phone calls, emails and conversations with XXXX XXXX where I requested for the interest rates on the paperwork to match what was promised, the case was moved to different employees finally landing on XXXX XXXX XXXX who confirmed the only interest rate that the Bank could offer was circa 5 % APR which was much higher than the beginning. 

According to the evidence, I believe the Bank is at fault because 1 ) XXXX XXXX offered an interest rate which was not correct 2 ) The Bank employees failed to clearly state the mistake had been made by replying to my emails XXXX ) The Bank asked the costumer to do XXXX applications for unknown reasons 4 ) XXXX credit checks were conducted which impacted my credit score 5 ) Most phone calls and emails to XXXX XXXX remained unanswered 6 ) The time lost in this process made me lose the opportunity to refinance my loan which caused my monthly payments to remain high 7 ) The Valuation was paid by myself for XXXX $ which seem to be lost.
Product: Debt collection

Im being harassed for a debt I do not owe. My identity was stolen and they drawing my unemployment and opened bank accounts and also was on the internet creating accounts. I have NEVER used XXXX.
Product: Credit reporting or other personal consumer reports

I need to inform you that I have fallen victim to identity theft. I am disputing the following accounts since they were opened without my knowledge, consent, or authority, and I hold no responsibility for them. Upon reaching out to the respective companies, I was directed to file the FTC affidavit accessible on the identitytheft.gov website. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Student loan

I can not understand why I have to pay American Education Services {$17000.00} for  XXXX  {$3100.00} private student loans. I pay {$81.00} a month, and the balance keeps increasing. I am on  XXXX  and just received a notice from AES that the interest rate has changed, therefore the payment willl increase from {$81.00} per month to {$83.00} and that when the lo an ( s ) is  paid in full, I would have paid almost {$17000.00}. Is this a payday loan?
Product: Credit card or prepaid card

Regularly, I receive solicitations from Wells Fargo that I neither want, nor need. I have closed every account with the institution and still get mail on a regular basis. I would like my information removed from the privacy systems for all lines of business with the company. I no longer want to receive any information about checking or savings accounts, credit cards, mortgage loans or other products.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

KeyBank failed to supply monthly statements and updates on my account, withdrew $ XXXX inactivity fees from last date of customer activity XXXX ( verified XXXX/XXXX/XXXX by KeyBank ) then claimed date of last activity as XXXX/XXXX/XXXX but refused to state reason nor supply documentation on either, confirmed on XXXX/XXXX/XXXX having all my prior relocation addresses since, failed to supply consumer updates/notices/statements/withholdings/tax information on the account the entire period, notified me ( XXXX ) that the account was being sent to the state, stated the account was sent to the State of XXXX on XXXX/XXXX/XXXX ( the State of XXXX and the State of XXXX verified not having the funds on XXXX/XXXX/XXXX nor XXXX/XXXX/XXXX ) yet did not have any form of tracking number or verification of such, on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX confirmed that the account was still held by KeyBank and in process of being sent back to me via my branch, refused to supply statements or verify accrued interest and rate earned the entire period, refused to supply any statements on these matters, contradicted their XXXX/XXXX/XXXX statement and said they do not have the funds but sent them to the State of XXXX unclaimed property going against regulations that account origin location and holding branch dictate by law that the funds go to that states unclaimed property which is the State of XXXX yet either way held the funds and withdrew service fees for years afterward within authority in legal proceedings nor informing the owner of the account of such, stated they would supply confirmation on the last date of activity then refused even though they confirmed it being XXXX XXXX, then claimed the last date of activity was on XXXX/XXXX/XXXX with activity of a monthly service fee applied by KeyBank and no activity by the account holder, surpassed the XXXX year and XXXX year ESCHAET process requirement to either state by several years, changed their statement on sending the funds to the State of XXXX nor back to me through the branch but instead sent the funds to the State of XXXX under a XXXX year mandate for ESCHAET processing and fabricated the XXXX/XXXX/XXXX date of last consumer activity in attempts to abuse the law, held my funds for seven years and several years past regulation under either states law and policy, claim they supplied me with monthly statements showing the $ XXXX fees for the entire seven years and that I did not act upon these continuing losses, refused to give back over {$750.00} in fees they stole and stated they would only reinstate two months worth, refused to supply any account documentation or statements, lied, deceived, mislead, fabricated, withheld, abused, and treated the consumer and regulatory system like a pawn for their own gain, fraud and criminal activity. Dates, names, verifications and such available.
Product: Credit reporting, credit repair services, or other personal consumer reports

More than two times, TransUnion consumer relations reported adverse and misleading information to lenders I have applied for credit to. I applied for credit in XXXX between XX/XX/XXXX to XX/XX/XXXX from three different lenders and all were denied for very different, non-factual, and unrelated reasons reported by TransUnion. The first incident was disapproval for XXXX Credit Card for no credit history, then XXXX XXXX for invalid, missing credit score. An application submitted to XXXX XXXX XXXX XXXX was delayed for the reason that there were a freeze on my credit report and score on my TransUnion account, which was not true and I had never placed such actions on my credit reporting access. Each time I contacted TransUnion for these issues they stated the opposite facts. The reporting of credit from the XXXX other major credit report bureaus ( XXXX and XXXX ) were all fair and positive during the same time frame.
Product: Credit card

I was unhappy with the service provided by my credit card company. As a result, I cancelled the card. Immediately after, the company prevented me from using " thank you points '' that had been acrued on the account. Repeated calls were unable to rectify the situation. 

Company : ATT Universal Card CITI
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called numerous times with efforts of removing hard inquiries made by someone else than myself. Auto and personal loans appear and I haven't done either of the two. 

I've been told " NO '' and told they remain for 2 years BUT I can prove and have confirmations that it IS possible to remove as they're FRAUD. I do not need nor want these on my credit report as I did NOT authorize and it is indeed against the law for them to be on there as hard inquiries, they're affecting my credit and I wish to have them removed ASAP.
Product: Debt collection

Transworld Systems Inc reported a collections to the credit bureau. When I got my credit report, I contacted them on XX/XX/23 to request validation of the debt and to dispute the debt since it was fraudulently created. XX/XX/23 I contacted Transworld Systems again, on a recorded line, and they advised that they have not sent me any of those documents and that they will not be sending me those documents. They told me that they are only collecting as a third party on behalf of XXXX XXXX XXXX, and that they are waiting for XXXX XXXX XXXX to report directly to me.
Product: Credit card

Citi bank reported delinquent payments that damaged my credit standing on an account that they never furnished me a hard copy of the statement for. I kept getting emails telling me to log into their site to see the account but kept telling them I could n't because I no longer had the card and the log in required it. They would not provide me with the full number of the card and in spite of my requests whenever we talked on the phone ( today being the most recent ) I have NEVER seen the statement. I filed a complaint with CFPB that resulted in them removing late fees and I did pay the amount to stop the damage to my credit standing but today was told they would not correct the information sent to the credit reporting agencies and again did not offer to send a hard copy of the statement showing what was purchased.
Product: Credit card or prepaid card

I want to complain Chase Bank. Chase was totally irresponsible about my dispute transaction. 
I had a wrong charge from XXXX on XX/XX/XXXX on one of my chase credit cards. I collected information, detailedly described the situation, sent materials to Chase Dispute Address ( XXXX XXXX XXXX XXXX DE XXXX Chase credit card dispute department ) by mail, and finally opened a dispute case ( case number XXXX ) on XX/XX/XXXX. On XX/XX/XXXX, I called Chase to ask for a case update. The customer service agent gave me the case number XXXX and said they were working on it and might need up to 3 months. 
Until XX/XX/XXXX, I still had not received any response from Chase, I called Chase again. The agent said the XXXX case was closed because Chase sent me a need-more-info form/document on XX/XX/XXXX and I did not reply. But the question is I never received any notice or letter from Chase about the document they mentioned. The agent said Chase usually has some problems with paperless document delivery, and he will reopen the case, and send the document again, and he gave me a new case number XXXX. I confirmed with him since we attached the first case number, the dispute was still valid on the time frame.And he said it may need about one month or more to update. 
No update again. Until XX/XX/XXXX. I received the letter from Chase that said the transaction I disputed is valid, not gave me any reason. I had to call Chase again for reason. One supervisor from Chase said because I do not reply to the need-more-info document mentioned before but I never received it, case was closed. And according to the supervisor said the transaction was a fee for XXXX. I really do not know what fee XXXX needs to charge without letting me know and approve. As an online department store, XXXX should only charge for goods or gift cards, right? That should be XXXX 's work to prove what they charged for ( provide order information and tracking or something else involved in the disputed transaction ). I already sent all my materials and queries about the transaction to Chase, how does XXXX reply? what Chase needs to do is to contact XXXX to prove what the charge is for, right? I really doubt that Chase even has not contacted with XXXX about the disputed transaction seriously. 
What is more, the supervisor even said since it is over 60 days from the date transaction was posted, no matter what happened before, the chase will do nothing about the transaction. I have to lose my money. That is reasonable???? That really shocked me. The first time I reported the transaction is totally in the time frame. And I really have not received the-need -more-info document Chase said ( they said they sent the document through Chase App, I almost went my Chase app over, could not find it ). What is more, for so important notification, why chase could not email, or mail or call me for an update??? Actually, before XX/XX/XXXX, I emailed and called Chase many times for an update, just have not received any response. 
Could Chase do business and treat its loyal customer 's case so irresponsibly?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted an identity theft report to TransUnion as well as all the necessary documentation needed for the dispute of inaccurate items on my report. They keep sending me stall letters in order to postpone DELETING these inaccurate items on my report. Ive sent them XXXX proof of address as well as my drivers license and social security card. They told me my proof of address and identity theft report was not acceptable. I called them and ask them why and they reply THEY CANT TELL ME WHY ITS NOT ACCEPTABLE. How is that even possible? Im tired of the run around. They are playing with my livelihood. Ive been trying to get these inaccurate information off my report since the XXXX in XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax furnished me with my credit report which included several inaccuracies and missing information. I initiated disputes, based on these inaccuracies. 

Equifax did not investigate my dispute requests. 

I want them to fix the following accounts : XXXX XXXX XXXX Account # XXXX : Delete because you did not update or correct the date of last of activity. 
XXXX XXXX Account XXXX : Delete because the date of last activity has not been updated or corrected XXXX XXXX XXXX Account # XXXX : Delete for unknown collection XXXX XXXX XXXX  XXXX Account XXXX XXXX : Delete this account, because of inaccurate date of last payment ( XXXX ). Account was closed XXXX. 
XXXX  Account XXXX XXXX : Delete account, because the date of last activity is missing XXXX XXXX XXXX Account # XXXX : Delete account, because you are reporting a balance when there is none. 
XXXX Account # XXXX : Delete account, for missing date of last activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
I will be submitting, the Letter I received in the mail today, on the Letter i highlighted all violations codes. 
15 USC 1692 ( B ) ( 2 ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( C ) ( A ) 15 USC 1692 ( K ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : collection/charge off XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1200.00XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} credit inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Personal Information Name : XXXX XXXX Previous XXXX ( es ) : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX
Product: Credit reporting

In XXXX and this month in XXXX I could not get my free credit report. I was only able to get it after filing a CFPB complaint last year. So I will cut to the XXXX and do it again,. This is a violation of the FRCA.
Product: Debt collection

XXXX called me. Called back at XXXX They do not identify as debt collectors. They take a threatening tone and say they are calling to resolve a personal business matter and refuse to identify the debt they are attempting to collect or the amount and say that I have to give them their address or they will not identify the account they are attempting to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure if this account is in active status, or a charge off from 4 years ago. However, Carmax is still reporting as late and in active status. Non of this is true and all bureaus are reporting false information. The bureaus keep verifying false information as truth and reporting it accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my consumer report and find that there are numerous fraudulent addresses, accounts, inquiries, and employers listed on my consumer report. No company has reached out to me about the accounts being reported to my consumer report. I reached out to each company to let the company know that the transactions that took place to open these accounts are indeed fraudulent. I did not consent to, authorize, nor benefit from any of the following accounts and inquiries. Please block and remove them immediately : ACCOUNTS : XXXX 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 

ADDRESSES : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX. 

EMPLOYERS : XXXX XXXX STATE PRISON, XXXX XXXX STATE PRISION. 

Please be advised, this request to block and remove all listed items resulting from fraud is not done in error. Thank you for your attention to this matter. I assure you will not discriminate.