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

XX/XX/19 I just got my HSBC Credit Card, and from the beginning I saw that i made a huge mistake by doing that!!! 

At first I registered for Online Banking, and I was restricted from getting any access a minute latter!! .... It took me 3 Days ; and 2 Hours of phone wait to get it resolved!!! 

Secondly I saw that they reported to the Credit Bureaus more then a week after I used the card!!! 

Then I finally used my card and right away made a payment! I accidentally logged in and what did I see? ... My Payment was sent back, and they charged me {$25.00}!!!! 

Finally got back the XXXX dollars, I log in again and I see I have NO AVAILABLE CREDIT!!!!! they told me MY ACCOUNT IS LOCKED!!! 

I called the Security Depot. AND I AM WAITING MORE THEN AN HOUR NOW!!!!!!!! 

NEED ANYTHING ELSE?!!!!! 

DO NOT EVEN DO ANY BUSINESS WITH THEM AT ALL!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I filed a dispute with Equifax about an authorized user account of mine that had been closed and charged off, by XXXXXXXX XXXX XXXX However, despite me telling them that I was not legally responsible for this account, they did not remove it from my credit report. On XX/XX/2022, I filed another dispute, emphasizing to them that they were legally obligated to remove it from their credit report, but on XX/XX/2022, they returned the results of the dispute with the same description : " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. '' However, this is not my account. I am an authorized user. 

I have tried asking XXXX to remove myself as an authorized user, but they need the primary user 's permission to be able to remove myself as an authorized user. The primary user is unwilling to call them to do this, as they are currently in a lawsuit with XXXX. 

I have also tried telling Equifax on the phone about my situation and asking them why they can't remove this error on my report, but they keep telling me to file a dispute with them, but I have done that twice with no resolution. 

I will be disputing with Equifax once again today at XX/XX/2022 to see if I can have some type of resolution, but I doubt they will have a different response as before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX account and it was not verified with my signature on any contract.by law, the 3 credit agencies are supposed to provide me with a wet signature for verification and they did not. This account is hurting me from refinancing my current home. I disputed this over 30 days ago and this needs to be deleted from all 3 credit agencies.
Product: Debt collection

Sequim Assets is attempting to collect {$160.00} for a disputed early termination fee charged by XXXX for internet service. 

This fee was never disclosed at the time of cancellation, and I canceled in compliance with XXXX instructions after moving to an area where XXXX service is unavailable. 

I provided advance notice of cancellation and returned all equipment, yet the fee is being collected without justification.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX an I'm submitting this complaint for myself an there is no third party involved. I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible.
Product: Debt or credit management

XXXX XXXX XXXX credit reporting system there usein. Which constantly XXXX denied lines credit l have tried applyed for homes. While making on time payments ( reported ). Credit scores is important bein XXXX stated XXXX. Also whom was employed. Retired employee from veteran affairs.. don't not what credit system is being used. But. It no increase be in done.. Has been going on for quite sometime. Over 1 year l have applied. Police report. Also fraud alert on my credit report. Don't not if the report is not bein graded on time.? or bein applied.. I Have Hires. Credit specialist company 's in the past Name XXXX XXXX, XXXXXXXX XXXX XXXX. To have accounts removed off my credit report.. Which would affect credit scores rating. Lately notice certain accounts has fell off still Shown no Scoresshowin has increased
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding unauthorized hard inquiries reported by Experian on my credit report. These inquiries were made without my consent, which is a violation of federal laws governing credit reporting and permissible purposes for accessing consumer credit files. 

The unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have not authorized these institutions to conduct hard credit inquiries, and I request that Experian provide proof of my consent for each of these inquiries. If no proof can be provided, I request immediate removal of these inquiries from my credit report. 



Thank you for your time and attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a medical collections on my account that is not mine, and I did not authorize these inquiries : Creditor/Furnisher : XXXX XXXX  XXXX XXXX Creditor/Furnisher : XXXX XXXX - XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX  XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX/XXXX  Creditor/Furnisher : XXXX  Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX   XXXX  Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX/XXXX  Creditor/Furnisher : XXXX  XXXX XXXX   Creditor/Furnisher : XXXX XXXX XXXX Also, I filed a complaint with the FTC report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is displaying inquiries on my credit report which are not mine and refuse to correct their mistake
Product: Mortgage

I applied for a loan modification with my lender and I was declined because I have a loan modification in 2012. The lender said my lender only allows one loan modification for the life of the loan. I asked who the investor is and the lender refused to give me the name and contact information so i could follow up with them.. This servicer has been known to mislead and I am trying to make sure I am given a fair accessment.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint and Cease and Desist Order XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ), XXXX, Experian, and XXXX. 

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and issue a cease-and-desist order against XXXX XXXX XXXX XXXXXXXX XXXX  ) for multiple violations of federal laws and regulations, as well as against XXXX, Experian, and XXXX for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in XXXX XXXX reporting lies in their knowledge that the debt in question was discharged. Despite this knowledgeXXXX XXXX XXXX continued to furnish information related to my account to XXXX, Experian, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ).

Furthermore, XXXX XXXX unlawfully attempted to collect on a discharged debt ( with an EXTREME level of collection phone calls ), which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). The IRS defines a charge-off as Gross or Ordinary income, and it clearly states that income can not be reported on a consumer report. Therefore, the reporting of this account as a debt is factually incorrect and does not align with IRS regulations. XXXX XXXX has failed to provide me with a 1099-C for the cancelled debt, which is required for filing as ordinary income according to IRS guidelines XXXX This lack of documentation further supports the inaccuracy of reporting this account as a debt. Attached is a copy of the 1099-C in which I personally filed for XXXX XXXX. 

Moreover, XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, Experian, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX XXXX immediately delete the account related to me from their records and cease all further reporting to XXXX, Experian, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX XXXX, XXXX, Experian, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission XXXX XXXX XXXX XXXX file no. XXXX ). 

Thank you for your prompt attention to this serious matter. 

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

I did not authorize credit inquiries made by this company
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX. XXXX ( a ), individuals or entities who have been harmed by violations of antitrust laws, including unfair or deceptive trade practices, may file a civil action to seek appropriate legal remedies. This statute allows consumers or businesses that are affected by anticompetitive practices or other unlawful conduct to pursue damages in the form of compensatory awards, as well as potential injunctive relief to stop further violations. In cases of serious violations, the law also allows for the award of triple damages as a deterrent against continued violations. 

Given the nature of the complaint, I believe the actions I have experienced may involve violations of the above-mentioned antitrust provisions, and I am seeking investigation and appropriate action from the CFPB to remedy the harm caused.
Product: Money transfer, virtual currency, or money service

I am filing a complaint regarding a fraudulent transaction of {$3000.00} sent to Block.inc on XXXX XXXX and XXXX, XXXX, XXXX. I did not authorize this payment and request a full refund immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX As a victim of identity theft in the past, I am particularly concerned about inaccuracies in my credit report. I can confirm that the name " XXXX XXXX XXXX '' and the addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX, XXXX, GA XXXX. 

I am requesting that XXXX investigate these inaccuracies and remove the incorrect name and addresses from my credit report promptly. This incorrect information not only compromises the accuracy of my credit report but also has the potential to impact my financial standing. 

Enclosed with this letter are copies of documents to verify my identity and current address, including a government-issued ID and a recent utility bill. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that my credit report is accurate and up-to-date. I kindly request that you take immediate action to rectify these errors. 

Please provide me with written confirmation once the incorrect information has been removed from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill
Product: Mortgage

I financed my house in XXXX of XXXX with a balloon payment. I refinanced the mortgage in XXXX with a fixed rate. I went to refinance my mortgage at a much lower interest rate in XXXX of XXXX. We ran into a problem of the original mortgage not having been released. Ocwen Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX is the company that has been servicing the original and current mortgage but have not responded in a timely manner to fix the problem with the mortgage not being released. It has now been 3 months without the situation with the non released mortgage being resolved. This is costing me out of my pocket extra interest on the current loan that I would be saving by completing the refinance.
Product: Debt collection

I called and portfolio told me it was XXXX XXXX XXXX. I tried to contact XXXX because I do not have a contract with Portfolio and wanted to know the actual balance. I talked to XXXXXXXX XXXX XXXX XXXX XXXX  explained the situation to him. He said even if sold it should show something. Portfolio has dates as open XX/XX/XXXX which is incorrect I never signed any contract or talked with them for them to put that as the date opened. they also have updated last report day on a regular basis. The original date opened with XXXX was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN HAVING PROBLEMS WITH XXXX COMPANIES FOR THE PAST 5 YEARS. I HAVE DONE EVERTHING THEY HAVE ASKED FROM ME. I HAVE SEND COPIES OF ALL THE DOCUMENTATION THEY HAVE REQUESTED IN ORDER TO HAVE MY ACCOUNTS UP TO DATE. I WAS A VICTIM OF DOMESTIC XXXX FOR XXXX YRS. AFTER MY LAST BODILY ASSUALT AND HAVING MY TRUCK BURNED BY MY ABUSER I FILED FOR DIVORCE. THATS WHEN MY I STARTED GETTING DELINQUENT LETTERS FROM CREDITORS, REQUESTING PAYMENTS. I CALLED AND EXPLAINED TO THEM THAT IT WASNT ME WHO GOT THOSE MONEY LOANS, OR COMMERIAL LOANS, OR STORE CREDITS. I DID POLICE REPORTS AND SEND THEM TO EVERY SINGLE COMPANY AND THEY DENIED ME THE CHANCE TO CLEAR AND CLEAN MY CREDIT SCORE. CONNS SUED ME FOR 7 ACCOUNTS I WON 3 CASES BUT STILL PENDING 4 I KEEP CALLING THEM AND THEY HANG UP OR JUST HAVE ME ON HOLH FOR HOURS. PORTFOLIO RECOVERY HAS BEEN SENDING TEXT MESSAGES DEMANDING PAYMENT FOR 3 ACCOUNTS I ALSO SEND THEM THE POLICE REPORTS AND IVE HAD NO SUCCES THEY KEEP UPDATING MY CREDIT REPORT AND THEY KEEP CHANGING THE DATES ON THEM " LIKE WHEN ACCOUNT WAS OPENED " THEY DONT MATCH COMPARED TO THE CREDIT REORTING AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ASSOCIATES IS DOING THE SAME THING REPORTING INFORMSTION THATS NOT CORRECT. AND XXXX HAS MY WRONG DATE OF BIRTH I HAVE REQUESTED THEM TO UPDATE MY INFORMATION AND THEY WANT ME TO SEND A COPY OF MY ID AND SS #, IM AFRAID TO SEND THEM MY INFORMATION DO THAT NO ONE LISTENS TO ME. I HAVE ALSO TOLD THE 3 CREDIT COMPANYS THAT THE INFORMATION THEY HAVE IS AFFECTING ME AND MY FAMILY TREMENDOUSLY. I HAVE NOT BEEN ABLE TO BUY A HOME FOR MY KIDS NORE HAVE I BEEN ABLE TO PURCHACE A VEHICLE SINCE THE LAST ONE WAS BURNED BY MY EXHUSBAND. I HAVE SEND ALL THEM COPIES OF THE POLICE REPORT STATING THAT IM A VICITUM OF IDENTETIY THEFT AND THE PERSON WHO OPENED THOSE ACCOUNTS WAS MY EXHUSBAND AND HIS SISTER, WHO BOTH ARE IN THE ORGANIZED CRIME WITH CARTELS. I DONT KNOW WHAT ELSE TO SEND THESE COMPANIES TO MAKE THEM UNDERSTAND MY SITUSTION AND HOW IT HAS BEEN AFFECTING US , PLEASE HELP, ANY ADVICE IS WELCOME
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I am writing to delete the following information in my file.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$460.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$420.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX Account Number : XXXX Account was opened : XXXX XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX Account Number : XXXX Account was opened : XXXX XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management, has filed a complaint on my credit report. I have never owed or done business with this company. 
This has brought my credit score down to a poor level
Product: Money transfer, virtual currency, or money service

XX/XX/2021 : I went into Wells Fargo to make a wire transfer to another Wells Fargo account in the US for the amount of {$190000.00}. 

The other person verified that the money never arrived to his/her account. 
I have been contacting Wells Fargo ( both on the phone and inside the branch ) and the only resolution given to me was to wait. I have filed multiple complaints with Wells Fargo but they just bounce me around and keep putting me on hold. 

I have been waiting for 7 months and the money is still not back to my account. I have also tried getting from a lawyer but it did not bring any resolution. It is a large sum amount of money and it is causing a lot of trauma to the point where I feel depressed. This matter really disturbed my life and it is damaging my finances. 

I would really appreciate if CFPB can look into this matter and help me resolve with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts, an address, and inquiries that are listed on my credit reports that do not belong to me, nor do I have any knowledge of them. Please remove them in its entirety from my credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and identified some inaccuracies that are negatively impacting my credit opportunities. I believe you'll investigate these discrepancies to ensure they are accurate. The account that needs to be investigated is below. 

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

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX CT, XXXX, VA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged Unknown - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX 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 XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART 1022 [ DOCKET NO. CFPBXXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Student loan

On, or around, XX/XX/year> my personal financial information was accessed by an unauthorized third party posing as a government official/entity. XXXX XXXX and Affiliates posed as employees of the unofficial " Department of Government Efficiency '' and gained access to my personal federal financial information via the Treasury Department. As a U.S. Citizen, student who has received federal student aid, and as a XXXX  military service member XXXX XXXX XXXX  XXXX, this was a gross violation to my rights to privacy concerning my financial information. My military pay checks, the previous disbursements of federal aid, direct subsidized loan data, and my sensitive personally identifiable information was compromised by individual ( s ) without consent, or authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX  credit report the information on the XXXX account is incorrect as I have provided documentation to prove of the incorrect information on the XXXX/XXXX  account XXXX  have deleted the account from my XXXX credit report as well as Equifax has removed XXXX/XXXX  from my Equifax Credit report for reporting incorrect payment history on my credit report the second account on my credit report is XXXX XXXX XXXX XXXX account they are reporting incorrect payment history on my report I have provided documentation for all these incorrect account payment history on Equifax Credit report and XXXX Credit Report there is incorrect payment history on my XXXX  Credit report for account XXXX XXXX XXXX XXXX payment history is incorrect this will be the last time I contact this company to get this taken care of with all these credit reporting companys XXXX  and Equifax need to delete XXXX XXXX XXXX XXXX and XXXX/XXXX  from my report I will get a attorney and sue because this is really unfortunate for these two companys to report incorrect information on my file please delete last request
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Federal Law gives me the right to notify One West Bank/XXXX of errors regarding the servicing of my loans which resulted in the foreclosure of my property. The " ASSIGNMENT OF THE DEED OF TRUST '' a total of XXXX with number XXXX recorded in the XXXX XXXX County Recorders Office on these dates : XX/XX/2009 Doc # XXXX and XX/XX/2009 Doc # XXXX and XX/XX/2009 Doc # XXXX. These Assignments are " VOID '' as determined by the California XXXX Court case XXXX. I am requesting that OWBXXXX provide me with their accounting of this loan and copies of the Assignments.