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

XXXX will not investigate my file they keep saying to provide new info.. i keep sending new info and they dont do anything.. i need a human to look at my file and not no e oscar machine.. 

if XXXX does not fix my problem i will have to sue with my fcra attorney help a regular person out that needs help Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DOB : XXXX SSN : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Dear XXXX : I received the credit report you have on file for me, and it contained the following inaccurate information : Creditor : XXXX XXXXXXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXX XXXX XXXX Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX ), Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft However I was in contact with the creditor who has verified that this information is inaccurate. As such, it should be removed from my credit report. I am requesting that you reinvestigate this item and remove it from my report as soon as possible. 

[ INCLUDE CONTACT INFO FOR THE CREDITOR WHO CAN VERIFY THE INACCURATE INFO, OR INCLUDE OTHER PROOF OF THE INACCURACY ] Thank you for your prompt attention to this matter. 

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

I noticed two years ago that I had accounts I never opened on my XXXX accounts. I then started filing disputes about them along with inaccuracies on my credit report. I am a victim of identity theft. My information is all over the XXXX XXXX. They know it because it comes up on the identity theft portion of my monitoring. I am very upset i have to keep fighting. They say it correct. Of course it looks correct the XXXX XXXX  has all my information, How do I fight this?
Product: Mortgage

XX/XX/2020 i sent payoff check from XXXX XXXX XXXX to mr cooper for insurance payoff, my account XXXX with mr cooper XXXX XXXX XXXX XXXX txXXXX after i sent check i received loan invoices i called and said there must be a mistake i sent XXXX payoff check from insurance, and my balance was XXXX they did not get back to me as the rep said he would, when i appied for a loan i found they reported to XXXX XXXX XXXX i missed payments of XX/XX/XXXX, when they said they couldint find a check i asked they open an embesslement case with XXXX rangers XXXX after that suggestion the check was locsated in XXXX, they still refused to accept responcability for there coworkers error, i then reached out to attorney genrel i got a responce dated XX/XX/XXXX and XXXX XXXX pointed me toward your agency XXXX so i ened up just getting a loan at XXXX when i could od got it at XXXX i couldint buy a house to replace my burned down XXXX because after insurance paying off property it didint leave enough to buy a structure, so i had to rent rooms going to XXXX area wherer i visit family regularly and with covid i had to rent a room, this company refused to take responsibility, so they damaged my credit and the loan officer didint want to work with me as he believed i wasint being truthful, i lost time of repairing my house and refiancing ; because they refused to acknoledge there employees mistake of location of check ty XXXX XXXX
Product: Mortgage

I am a XXXX XXXX XXXX XXXX veteran that was just affected by Hurricane Dorian under a mandatory evacuation. 

I am trying to save my home from foreclosure and sent in a 75 page loss mitigation workout package After I sent it they said there was a foreclosure sale date for XX/XX/19 and they would not review me because they didn't receive my application until XX/XX/19 just under the 37 day time frame they claim is required before a sale date I sent it by fax on XX/XX/19 but they took 2 days to process it and I should not be penalized for their delay
Product: Credit reporting or other personal consumer reports

Today, XX/XX/2023, I contacted Experian about an issue accessing my credit report. My credit information was pulled on XX/XX/2023 by a creditor through whom I was making a major purchase. The creditor told me that the credit bureaus were " unable to verify my identity. '' I called Experian and they were unhelpful. They refused to provide me with a copy of my current credit report via email despite being able to confirm all of the personal information that they have on file with me was accurate. They said they needed to send it for a " deep dive '' to their " back office '' and suggested I call back in 3-5 business days. Requests for further information were not answered. Demands to escalate the issue to supervisors were ignored. I was hung up on twice ( once by an agent, once by a supervisor ) and spent over 2 and a half hours on the phone with Experian with absolutely zero solution offered. Experian is recklessly failing to report accurate credit information when it is requested, which will drastically impact the lives of consumers all across the country. Experian MUST be able to provide better information about how they internally manage their customer 's information -- if my accurate information is not being generated pursuant to a standard inquiry, Experian is violating consumer protection laws.
Product: Credit reporting or other personal consumer reports

Dispute Summary : Re : US Bank Home Mortgage # XXXX Inaccurate Delinquency Reporting : My XXXX  Credit Report incorrectly reports a 90-day late payment on my XX/XX/year> mortgage payment to US Bank XXXX 
Chronology of Events : Consistent Timely Payments : Prior to XX/XX/year>, all mortgage payments were made on time, before the XXXX of each month. 
Forbearance Agreement : I entered into a forbearance agreement for XXXX, XXXX, and XX/XX/year> due to medical reasons. 
XXXX Payment & Unexpected Charges : I attempted to schedule the XXXX payment online but was directed to call US Bank. 
Upon calling, I was unexpectedly required to pay the XXXX payment and the three deferred forbearance payments immediately. 
I made the full payment of {$11000.00} on XX/XX/year>, before the late payment deadline. 
Erroneous Late Payment Reporting : Despite timely payment, US Bank reported a 90-day late payment to XXXX. 
Subsequent Issues : I received numerous letters from US Bank regarding foreclosure assistance programs that I never requested. 
These letters referenced the erroneous late payment as a factor in their decision-making. 
Supporting Documentation : Forbearance Plan Terms Transcript of USB online Forbearance Video US Bank Letter : Last Forbearance Payment Date XX/XX/year> Mortgage Statements : XX/XX/scrub> XXXX XXXX XX/XX/year> ( highlighting timely payments ) Payment History Legend from XXXX ( highlighting disputed late payment ) US Bank Letters ( first page of each letter ) Impact of Erroneous Reporting : This inaccurate reporting has significantly impacted my credit score, limiting my access to credit opportunities ( such as refinancing to lower my monthly payments ) and potentially increasing my insurance premiums.
Product: Payday loan, title loan, or personal loan

( NOTICE See uploaded files! ) Adverse action in accordance with equal credit opportunity act to proclaim an adverse action against a consumer pursuant 15 U.S.Code 1691 ( a ) ( 3 ) .Pursuant 15 U.S.Code 1691a ( e ) I am a Creditor as defined in equal credit opportunity act and Capital One has assumed civil liability pursuant 15 U.S.Code 1691 ( e ) .Capital one bank has violated my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

Experian charged my credit card {$26.00}. I called to find out what the charge was for and the automated system refused to transfer me to a representative. I never purchased anything from experian.
Product: Credit reporting or other personal consumer reports

they are commiting fraud and refusing to do an investigation and improperly sharing information, listen to the recording. ssn was edited out as well as XXXX minutes of menu navigation and hold to get connected. 

they concluded their investigation without taking any appropriate investigative action
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made several attempts to fix these issues directly with them. They are still violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either give me my money or delete these accounts ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO : EXPERIAN XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I HAVE SENT IN NUMEROUS DISPUTE LETTERS AND EVEN CALLED ABOUT AN ACCOUNT THATS REPORTING ON MY CREDIT REPORT THAT IS NOT MINES AND IT KEEPS COMING BACK VERIFIED AS ACCURATE. WHEN I KNOW THIS IS NOT RIGHT. THE ADDRESS REPORTED ON MY CREDIT REPORT IS FRAUDULENT I HAVE NEVER LIVED IN TEXAS IN ALL MY 70 PLUS YEARS OF LIVING. HOW IS THIS POSSIBLE THAT THIS ADDRES IS REPORTED ON MY CREDIT REPORT? WHEN I HAVE DONE BEEN WITH THIS COMPANY EVER IN MY LIFE. EXPERIAN HAS BROKEN THE FCRA AND HAS NOT FOLLOWED THE LAWS SET BY THE FTC. I DEMAND TO SEE A ORIGINAL CONTRACT BEARING MY SIGNATURE!!!! 

ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an originial Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to posititvely verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Debt collection

This company is acting as a debt collector, and I do not recall giving them permission to contact me ( which they have NOT ) But, under more scurinty they have placed this public debt on my records to XXXX  and degrade my character as if I do not pay debts owed to me. 
I request for admissions XXXX. The original wet blue ink contract with this XXXX. Consent I have given to you to contact me and put this alleged debt on a public record? 
XXXX where do private people have public debt? 
XXXX. What law says that private people are debtors XXXX. Do you operate under Title 12?

I am a private living soul, discharged from my mother 's waters and I know private people can not have public debt, so there is nothing to. There's nothing to " discharge '' or to discharge with. This alleged debt, is causing an interference with my pursuit to enjoyment of livelihood refraining me from access to housing for my child, therefore interfering with my children 's well life and pursuit of happiness. 

If by any chance you can not answer all questions, that would be deemed as incomplete, and result in admission and default to the solution offered. If unanswered I will move forward with the filings of a 42 USC 1983 suit. 

WITH MUCH LOVE, WITHOUT RECOURSE WITHOUT PREJUDICE
Product: Mortgage

I called BOK Financial to have my PMI insurance removed from my mortgage as I have 76 % loan to value ratio. The said that I had to have a 2 year payment history but the loan was just started XXXX if XXXX. 

Please help it adds about XXXX XXXX month to my payment
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living Human Being. I have rights under 15 USC 1681. EQUIFAX is govern by 15 USC 1681. And they have Violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give EQUIFAX permission to furnish these accounts. Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im contacting Equifax after your response to my complaint through CFPB. The complaint number submitted was XXXX. Equifax did not provide/address the complaint. Per FCRA, your company already has missed the 15 day window to provide how you investigated the account you are reporting as XXXX XXXX and it should be permanently removed. There isnt any further investigation as you already stated you are not reporting it via mail. Completely remove the account as Ive made several attempts to have it removed. Thank you,
Product: Checking or savings account

Hi. I was suppose to receive my DD on XX/XX/XXXX & never receive it. I call multipolar times & they are giving me diffrent answer. Im a XXXX so I cant even purchase my medecine.
Product: Money transfer, virtual currency, or money service

Back in XX/XX/2022, a scammer had me transfer XXXX from Bank Of America to XXXX XXXX XXXX  with a promise of investing it. The service never provided me money and kept asking for more. The scammer used the web site lead-assets.com to run their operation. BOA looked into it but said since I sent the money and it was not stolen out of my account, they are not liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I entered XXXX XXXX with my offer in hand from my bankers for a pre-approval of an auto loan at 5 % interest rate. I explained in great detail that I did not want or need a loan or appreciated the numerous amount of searches that auto houses complete, my credit was XXXX and I was absolutely happy with the interest rates and that I had done my homework and knew that the rates could not be beaten. 

The sales representative presented me with a vehicle that I was interested in but it was at their XXXX location. The sales representative made arrangements for me to test drive the vehicle by taking a copy of my license and providing me with a document to sign which I was under the impression was a Test Drive consent form. 

I was driven to their XXXX location to test drive the vehicle. After the test drive of the vehicle from XXXX XXXX XXXX location to their XXXX XXXX location an approximate 15 miles, I was informed by the sales representative that purchasing the vehicle via the auto loan from my bank was not an option and that I would have to obtain financing from one of their auto financers. At this stage, I declined and left. 

I subsequently have purchased my vehicle via XXXX XXXX using the interest rate I was approved for by my bank but I have since been made aware that I have a hard inquiry that is reporting by XXXX XXXX on my files held by TransUnion credit reporting agency. It has also come to light that there are other auto  companies who have placed inquiries on and around XX/XX/2018, each of these company has been contacted and each has stated that their inquiry had been authorized by XXXX XXXX! 

I did not authorize XXXX XXXX or any other auto financing company to access my personal credit file for the purpose of obtaining a loan to purchase one of  their vehicles. I am quite aware of my financial options, before, during and after the visit to XXXX and it makes no sense to suggest that I would require financing options from XXXX XXXX 's lenders who are not able to meet the interest rates offered by my personal bankers of years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used to have a title loan from XXXX it was delinquent first delincuent on XX/XX/2013 and charge off since then I didnt make any payment on this account but, for some reason ( fraud ) from this company it is showing Im making payments on this account which Im not for the past seven years what they tried to do is keep this account another seven years on my credit report it is agains the law to do this. I need this company to removed this account from my credit report this company is a rip off and doing fraudulent charges on my credit report
Product: Prepaid card

I have tried multiple online retailers to use my card and it keeps getting declined. I have sufficient funds to pay for these purchases
Product: Credit card

I ordered a pair of XXXX XXXX from XXXX, a resale website. When I received the shoes, I was skeptical of their authenticity and I sent them to be authenticated by professionals at XXXX. XXXX confirmed the shoes to be fake. 

I called the number on my receipt provided by XXXX multiple times and it gives a busy tone no matter what time I called. 

I have all my receipts for the purchase and the authentication process at XXXX. 

I contacted capital one in an effort to dispute this charge & they are not helping regardless of the requested documents I uploaded for them. 

Thank you for your time.
Product: Credit card or prepaid card

Bank of America acct opened in XXXX. They closed it XX/XX/XXXX. 
Last charge XX/XX/XXXX for $ XXXX, made payment in full for $ XXXX XXXX XXXX. 
Credit card limit XXXX. Every payment since XXXX was paid in full before 30 days. In XXXX and XXXX of XXXX I never received the statement as XXXX has not been delivering mail to right addressees. Once I notified the bank, I paid the lowest bill of less then {$300.00} to Bank of America, and they even waived the late charges due to my payment history. They said it would not effect my credit. 
I have no derogatory payments, late or in collections from any institution. 
I never got any letter leading up to the closing of the account. 
I am working with all three credit bureaus to dispute the late payment from Bank Of America back in XXXX. I had XXXX XXXX points that is cash that had of mine at the time. They said many of the points expired and I never got the cash amount. This is a personal card hurting my personal credit. To reach a high credit limit I had to have high charges with great payment history and the high amounts paid off. I am not treated like a valued customer as they say and if they actually looked into my account instead of sending a computerized impersonal letter, they would have seen I am a good customer who pays all bills on time, and the mishap in XXXX was brought to their attention right away and was paid. In 15 years I have never been late so I should not be faulted. 
Most of all they are ruining my credit and chances to get another credit card with A high limit which I worked hard for. 
Is it because of Covid and they are afraid I will charge a high amount and not pay and they could also expire my cash points that I rightfully earned? 
Their response was we can close an account any time for any reason? ..
Product: Credit reporting or other personal consumer reports

I did not authorize any of the hard inquiries listed in this letter. This is not an opportunity for you to investigate as I have provided an identity theft report listing all of the unauthorized inquiries. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block 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 ( 2 ) a copy of an identity theft report Failing to comply with deleting the hard inquiries listed from my credit report within 14 business days will result in violating the Fair Credit Reporting Acts federally protected laws meaning EXPERIAN will be liable to me for statutory damages for EXPERIANs misconduct as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ). 

Fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U. S. C. & 1681c-2 ) that you, the XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, unverifiable, and false information consist of an insurance account, mobile phone account, and an apartment rental. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforesaid fraudulent items. i do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid 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 XXXX XXXX as proof from the US Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Debt collection

XXXXompany never sent me any notice of collection of debt I check my credit report and seen it Dispute was made XX/XX/year> | havent received a response from company
Product: Checking or savings account

Call chase on XX/XX/XXXX in to XX/XX/XXXX. Account locked and no one can tell me why but to call back at a later time, while my account is locked and I was placed on hold for 15 min until the operator waited for the appropriate department to close. Now I have not access to my bank on line account