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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX American Express Dear American Express, Bad Customer Service New Accounts Department American Express Cash Magnet Card Application Reference :XXXX I am existing card member American express since XXXX and I am enjoying membership 14 years. I have a Blue Cash every day card and XXXX XXXX card. I noted this days new card offer Cash Magnet card your website and applied on XXXX XXXX .I got a email please call us update your application. 
I called XXXX on XXXX XXXX at XXXXXXXX XXXX ( PST ) New Accounts department and answered agent name called Mr.XXXX. I am asking status about my application and he treated me so bad behavior. He not treated me as a valued customer. 
I asked to transfer my call to supervisor and he said we dont have a supervisor. He answered my called very high tone and I am so got upset. 
I told him I am existing card member and he didnt believe it. he said under my Social security number he can not see active accounts. So I have to provide my full card number to pull up my accounts details. 
I am not worried getting this card and I am worried what he was treated me unprofessionally. 
Please train your agent provide good customer service. 
Feel free to contact me on XXXX Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to request the removal of certain addresses from my credit report that do not belong to me. My social security number is XXXX. 

The following addresses have appeared on my report, but I have never lived at or visited any of them : XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX Ct, XXXX, FL XXXX XXXX XXXX XXXX Ct, XXXX, FL XXXX I kindly ask that you remove these addresses along with any associated debts or collections from my credit report. I appreciate your assistance in resolving this matter promptly. 

Thank you for your attention to this request. Please let me know if you need any further information from my end. 

Best regards,
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the refusal of Equifax, XXXX, and XXXX to remove fraudulent accounts and inquiries from my credit report. Despite multiple disputes, they have failed to comply with federal law, specifically the Fair Credit Reporting Act ( FCRA ) and related regulations. 

Fraudulent Accounts : XXXX, opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX multiple entries ) XXXX XXXX XXXX, opened XX/XX/XXXX XXXX XXXX, opened XX/XX/XXXX Fraudulent XXXX XXXX XXXX XXXX XXXX inquiry dated XX/XX/XXXX This is my third attempt to resolve this issue. The continued inaccuracies have caused significant financial and emotional harm, as I have been unable to secure housing or credit. I am requesting an immediate investigation and action to force these bureaus to comply with FCRA requirements. If no action is taken, I will pursue legal action as allowed under 15 U.S.C. 1681n for damages.
Product: Debt collection

I checked debt collector on this because this is what this company represents them selves as. I am writing abo ut Select Portfolio Servicing LLC. I was given a payoff plan to payback an amount I owe in arrears on my mortgage by Select Portfolio Servicing. It is a plan of 12 paym ents of  XXXX  dollars with a balloon payment at the end of  XXXX .  <P/> On the  XX/XX/XXXX  they received a dispute letter from me as to the amount owed as well as a request for the breakdown of all the numbers. I wanted to be clear as to how they came to these amounts before I pay them.  <P/> I called today to check on it. The payment plan was to start on the  XX/XX/XXXX  with the first payment of  XXXX . I have not heard anything about my dispute letter or my request yet. The first thing they tell me is that my account has been referred to a lawyer. It 's not even past the expiration date of the agreement yet. So why are we referring things to a lawyer. Also I have n't gotten an answer as to my dispute on the debt yet and it 's almos t 30 bus iness days since the request.  <P/> This company seems very intent on foreclosing on me rather than working with me. I have much distrust in their accounting due to having dealt with them on this issue for over 8 years. I have many times requested that we do a Principle reduction on the amount owed but they tell me they ca n't. Companies like them received   XXXX   of dollars during the housing crisis to do exactly that and they refuse to help. Claiming the investors in the trust would not approve that kind of action. I am not even sure if they can legally collect on my trust seeing as though they give me no direct connections as to who makes the actual decisions. It 's all very shady.  <P/> I have  also may times asked for them to send me a copy of the Pooling and Servicing agre ement that they have to service this loan, it is public record, they refuse to send me a copy.  <P/> So I would like to see the breakdown on this Agreement that they have sent me. I want to know how much goes to fees, what those fees are, how much goes to principle and what would be the remaining amount of the mortgage will be after this plan has been completed. I need all that in writing before I would even feel comfortable paying this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax XXXX XXXX XXXX XXXX has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXX. I believe it was reported in error. 
XXXX XXXX  XXXX Balance : {$18000.00} ; XXXX XXXX  XXXX Balance : {$0.00}
Product: Debt collection

I understand that TransUnion supposed to report Maximum accuracy on the consumer report.Today I looked on my consumer report in seen they they where reporting a inaccurate account that needs to be deleted immediately for failure on report accuracy this account does not even have a account number reporting.Also it was a charge off with a 1099-c form which is a cancellation of debt so its a tax write off and should not be reporting also. I will file a 3949-a form to the IRS FOR TAX FRAUD FORM THIS COMPANY IF NOT DELETED IMMEDIATELY I KNOW MY RIGHTS AS A CONSUMER AND I AM Exercising them as a consumer this is illegal activities delete this account immediately and do respond back saying this account is accurate or verified because its not so delete it now
Product: Checking or savings account

On a recent trip to XXXX for XXXX XXXX my phone was stolen and the perpetrator logged into my bank account and sent {$2000.00} from my savings account via XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off my loan with Navient on XX/XX/XXXX. They are reporting my student loan as open with a {$250.00} balance. A recent XXXX  denial letter shows they reported my account as delinquent after it was completely paid off. They are also inaccurately reporting that my old student loans first defaulted in XXXX. Those loans first defaulted in XXXX and thus should have aged off my report. I have uploaded all supporting documents.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi, XXXX XX/XX/year> Jefferson Capital XXXX XXXX XXXX XXXX, XXXX, MN XXXX Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account name XXXX XXXX account number XXXX previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely XXXX XXXX
Product: Debt collection

I XXXX XXXX am formally disputing any and all debts that NATIONAL RECOVERY AGENCY say I owe. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U S C 1692g, I am exercising my right to request full validation of thiss alleged debt. Untill proper validation is provided, I do nott acknowledge or assume any responsibility for this debt..

Pursuant to my rights under 15 U S C 1692g, I am requestingg the following : 1. Complete validation of the alleged debt, including a detailedd breakdown of the amount owedd, the name of the original credittor, and any relevant account details.

2. The original purchase agreement between NATIONAL RECOVERY AGENCY the original creditor, proving legal authority to collect this debt. 
3. Proof that NATIONAL RECOVERY AGENCY is licensed and bonded to collect debts in my state Pennsylvania. I expect copiess of the current licensee and bonding information.

NATIONAL RECOVERY AGENCY has failed to provide the required validation information before placing this account on my consumer report, violating : 12 CFR 1006.34 ( b ) ( 5 ) Collection agencies must provide validation information before reporting a debt to a consumer reporting agency.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) Consumers must be given the opportunity to dispute the account before it is furnished to consumer reporting agencies.

Becausee of thesee violationss, NATIONAL RECOVERY AGENCY has no legal authority to collectt or report this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report that I reported to Experian on XX/XX/XXXX. Unfortunately, to this date, I have not received any response from Experian regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : XXXX. ) Account Name : COLLECTION Date Opened : XX/XX/XXXX Balance : {$43000.00} The above account is not mine, and I request Experian to remove it from my credit report. 


XXXX. ) Account Name : COLLECTION Date Opened : XX/XX/XXXX Balance : {$10000.00} The above account is not mine, and I request Experian to remove it from my credit report. 


XXXX. ) Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The above account is not mine, and I request Experian to remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : I don't recognize this account
Product: Credit reporting or other personal consumer reports

Addresses on report not mine some consumers were not mine XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Federal Credit Reporting act XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried multiple days in a row to remove credit freeze from equifax to apply for credit. Message from phone agent is call back in 30-60 min as system is updating. Have also tried online but it directs me to the phone. Engaged with equifax via XXXX, was give a different phone number and called and received the same message after calling multiple times over a number of hours.
Product: Credit reporting or other personal consumer reports

To whom it may concern I applied for an auto loan in the XXXX  to only one company which is XXXX XXXX XXXX XXXXXXXX. I did not give consent to the dealership to use my credit for any other auto loans. I recently checked my credit report and was shocked to see numerous auto loan inquiries which I have no recollection of. I am assuming that they tried using my credit to approve any auto loans that they could with my report. I also submitted an Identity Theft Report to the Identity Theft website but have yet to see any progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get my free TransUnion Credit Report, and due to the deceptive nature of the TransUnion website ended up subscribing to their monthly Credit Reporting service. 

Here are a list of things that make this especially deceptive : - Only text that mentions a subscription or price is very small on the homepage, and looks like typical legal copy. 
- Call to Action button on the homepage reads " Yes, Show Me My Score '', which does not hint at a subscription service, or even a purchase. 
- There is no confirmation page which breaks down the fees and charges. Showing this information is an extremely common pattern on nearly any digital purchasing platform, and my belief is it is being intentionally left out so that users don't know they are subscribing to a service. 
- Nowhere on their website ( transunion.com ) do they mention the actual free credit report ( consumer disclosure ). 
- I have done a search and found that many other people have fallen into the same subscription trap as me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a alias listed ( XXXX, XXXX ) I have never gone by this name. This is my XXXXXXXX XXXX name, anything listed with this name is him and not me. I would like it removed.
Product: Credit card

I've consistently made timely payments on this account, avoiding any overdue balances. However, I'm puzzled by reports suggesting late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made if necessary.
Product: Credit reporting or other personal consumer reports

i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts 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 XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hi Discover ; I been trying to contact you guys because there is an account under my name and credit report that I'm unaware of and i need this delete and permanently removed from my credit. I never authorized nor signed nor give any consent to be added. I'm not liable for this account and i need this removed. delete now.
Product: Bank account or service

Dear Sir/Madam, I seek your assistance in dealing with Citibank US to obtain the {$400.00} promotion that I 've qualified, for which Citibank keeps throwing me in circles. Sometime XX/XX/XXXX/XX/XX/XXXX, I had applied to open a Citigold account with the Promotion code XXXX which offered {$400.00}, if the terms and conditions were met. I received a letter dated XX/XX/XXXX, indicating that Citi 's record indicate that I 've qualified for the offer but that I needed to provide my XXXX, upon which Citi will credit my account for the incentive. 
I 've spoken to Citibank representative numerous times to no success. Every time, it 's the same story that they will inquire further and lodge a complaint on my behalf. During my call with a Citi rep on XX/XX/XXXX, the rep indicated that Citi had received my XXXX on XX/XX/XXXX but no word on my {$400.00} yet. The rep indicated that I should hear back within XXXX hours but off course no communication from Citi. I called Citi again on XX/XX/XXXX and the same story again ( further inquiry and complaint ). For one last time I called Citi on XX/XX/XXXX and expressed my frustration. I mentioned that if I do not hear back from Citi by the XX/XX/XXXX that I 'll be lodging a complaint with the Consumer Financial Protection Bureau ( " CFPB '' ). Since, I have n't heard back as of today ( XX/XX/XXXX ), I was hoping CFPB would kindly assist me in obtaining my {$400.00}. One thing to note is that all the Reps that I 've spoken with were very sympathetic to my situation and were very professional as well. Unfortunately, their hands were tied as well. 

Having been a Compliance Officer at financial firms for the last decade, I understand the rules and regulations thoroughly and one thing for sure is that if something is advertised and/or promised, one should live up to their end of the bargain. I 've lived up to my end and satisfied the required terms and conditions but now I 'm being pushed around in circles by Citibank. 

Please kindly assist. Thank you.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Since XX/XX/XXXX, I have been disputing information about Portfolio Recovery Associates-a debt buyer that bought a debt from XXXX XXXX card I supposedly owe. 
Although I have requested valid documentation ( proof of signature ) that this debt is mine, I have not received this information from them. 
Meanwhile, they have illegally re-aged the account ( which shows to be open in XX/XX/XXXX on credit reports ) to show an open date of XX/XX/XXXX. They also have a payment status reporting to the credit bureaus of " Seriously Past Due-assigned to an attorney '' which is threatening behavior from my standpoint.

XXXX XXXX also has shown Metro 2 non-compliance with having a high balance lower than the owed balance, missing important fields or errors in the fields like the open date, not providing the entire account #, not showing the date of first delinquency and not providing the correct original lender on some credit bureau reports. I have also hired a credit lawyer who is working on this situation, but it seems to stay unresolved even though we've given them opportunity to remove the account from the credit bureaus due to the illegal errors.
Product: Credit reporting or other personal consumer reports

Hi, On XX/XX/XXXX, ALTISOURCE/LENDERSONE pulled my credit without my consent. 

They marketed preapproval to see if I could get a Heloc loan service and stated the inquiry would be a soft pull to see if I would be qualitied. To my surprised this is reporting on my credit. I never continue with the program because of the rate and the cost amount requirement. I never authorized for my credit to be pulled, they told me just soft pull for qualification. I never did the program service with them. This incorrect reporting is sitting on my credit and hurting my credit for other financial service for me and my family. 

ALTISOURCE/LENDERSONE/ Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Mortgage Reporters Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX Phone number ( XXXX ) XXXX