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

XXXX has failed to furfill its legal obligations under the fair credit report ACT ( FCRA ) to conduct a reasonable reinvestgation of disputed information on my credit report leaving inaccurate unverifiable accounts unresolved The Consumer Financial Protection Bureau has recently filed a lawsuit against XXXX alleging systematic issues such as failing to forward consumer provided evidence to furnishersaccepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where XXXX neither corrected or removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts.as XXXX Inaction violates federal law and my rights as a consumer.
Product: Credit card

Dear Consumer Financial Protection Bureau, cc : FTC This company canceled my credit card for no reason. They then continued to bill me fees on a closed account. Also, unknown to me at the time, added these bogus fees to my credit report. I paid their bogus and illegal charges and had it removed from my credit file. Today I receive yet another bill from Continental Finance ( Verve Card ) which includes more fees and interest charges from a card they closed and I verbally called to make sure it was closed after their last illegal stint. This is a nightmare! I do NOT owe this company anything. I cut up the card months ago after it was initially closed. This company is defrauding consumers and needs to be held accountable for these illegal business practices.
Product: Credit card

On XX/XX/year>, I booked a reservation through XXXX for a rental car in the XXXX for XXXX XXXX XXXX using my USAA credit card. A hold was placed on the card for the full amount of the rental ; however on XX/XX/XXXX, I received a voicemail from the car rental place that they no longer had a vehicle available to fill our reservation and would be cancelling it on their end. Since payment was to be made at pickup, they did not yet have the funds to be able to provide a refund, but assured me that they would be cancelling the reservation and would not charge us since we no longer authorize the transaction since they could not fulfill their end of the contract. I contacted XXXX for a refund and was told that there was an issue with their system and could not provide a refund without a manager submitting it. I was assured that I would receive a refund within 72 hours. I filed a dispute with USAA since the company was not providing what was contracted for in the transaction. We no longer authorized that payment to be made. USAA claims to have investigated the transaction and found it to not be fraudulent. I do not understand how a company can enter a contract, take our money, not fulfill their end of the terms, still charge our card, and somehow not be a fraudulent charge.
Product: Mortgage

Myself and my business partner purchased a property from XXXX XXXX back in XXXX during the foreclosure redemption period. All funds were wired on XXXX. XXXX XXXX still transferred the loan to Selene finance at the end of XXXX. Upon knowing this we reached out to Selene finance at the beginning of XXXX Selene would not talk to us until they approve the 3rd party authorization that they received on XX/XX/XXXX. We were told it would take 5-7 days to process and it of course it took longer than that to approve the request. 
We had to make multiple phone calls with no clear answer on why it took longer to process. We are now on call probably 10 with no resolution. We spoke to a supervisor on XXXX who had us email her all the proof that we had to show the payoff to XXXX XXXX on XXXX. That was done. She was also confused about why XXXX XXXX transferred the loan and that she would have the funds that were in suspense applied to the loan so the loan could be closed. She said she would call us back by EOW and of course, that would now happen. We have made several calls and no one has been able to provide us with an update. We keep getting " call back in 3-4 days ''. We are currently on the phone ( XX/XX/XXXX XXXXXXXX XXXX ) waiting to be transferred to an escalation department. We have been on the phone approx 45 minutes waiting. At this point, I am also filing a complaint with the OCC because this is just ridiculous. I have a complaint opened against XXXX XXXX also, XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a formal dispute letter to Equifax via XXXX certified mail, disputing several negative items inaccurately listed on my credit report and a XXXX record that contains discrepancies and incomplete information. In my letter, I provided all necessary documents to verify my identity, including a copy of my government-issued ID, Social Security card , and proof of address. 
Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to conduct a reasonable investigation into disputed items on my credit report within 30 days. However, to date, Equifax has failed to respond to my dispute or provide any updates on the status of the investigation, which I believe constitutes a violation of my rights under the FCRA. 
This lack of response from Equifax is concerning, as the reporting of inaccurate information and an incomplete bankruptcy record has negatively impacted my credit score and financial well-being. XXXX failure to address these disputed items and provide the results of a thorough investigation suggests a lack of due diligence and proper consumer protections.
Product: Credit card

The problem in original complaint XXXX has not been resolved. 

Man in the middle security threat or compromised/hacked Citi bank Systems as they retrieve responses from XXXX have been ongoingsince XX/XX/year>, first reported to Citi in XX/XX/year>. 

The card is what XXXX uses for its stores and promotions. 

Again, CitiBank is hacked and I am tired of explaining. Their resolution in the previous complain was to manually check my credit scores ( outside of their IT systems ) and restore my credit limit and shut me up after that. We are back to square XXXX, my limit was reduced again because they STILL have not fixed their IT issues. 
If they do not fix it, I have no option but to go public.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 XXXX 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 XXXX XXXX  opened in XXXX of XXXX This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, collection, or hard inquiries as reported. The aforementioned account, collection, and hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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, credit repair services, or other personal consumer reports

The original account was with XXXX however, it was sold twice so how can XXXX continue to update my account with inaccurate information. The account was settled and paid to Nationwide Credit in 3 installments of {$180.00} each. XXXX continues to mark me late when I was making payments. The installments were made on XX/XX/XXXX ( I was marked late ),  XX/XX/XXXX and XX/XX/XXXX ( Continued to mark me late ). Why is XXXX continuing to mark my account to the credit reporting bureaus as late when they no longer own the account. XXXX reported my account as a charged off therefore, it should be reported as {$0.00} balance and no data. They continued to report it as late and while the account was paid and settled with Nationwide they updated my account as late. This account needs to be deleted for inaccurately reporting my data wrong. Does XXXX own my account still or does Nationwide Credit?
Product: Debt collection

Hello I am a victim of identity theft. I am a retired citizen in XXXX XXXXy XXXX with no criminal record or do not owe any collector anything. I have included The identity theft form from the government. My names are wrong, ssn, and addresses I never lived in XXXX XXXX XXXX XXXX. Pls remove or verify my information. I do not owe these collectors.
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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$120.00} XXXX XXXX {$590.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$180.00} XXXX XXXX   XXXX {$230.00} XXXX  XXXX {$140.00} XXXX  XXXX {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion because their was an error in reporting my car payments. They investigated and my score when up to XXXX. Then they took XXXX points because I applied and received a XXXX XXXX credit card. I contact XXXX XXXX and they said that I my score would not be affected. XXXX XXXX said to contact TransUnion. I did and they said they would investigate. Today, I received an email and TransUnion took additional XXXX point. I am complaining because I believe that TransUnion is in retaliation for me complainin the first time. If someone is trying to improve their credit. TransUnion didn't treat me fairly at all.
Product: Debt collection

I received a phone call saying I owe money. The guy said I needed to verify my information so he could tell me who I owed. I refused and asked him to send me it in writing. I then had to give him my address. I receive a letter from TRANSWORLD SYSTEMS INC. saying I owe them {$180.00}. I don't know who this company is. Just seems really sketchy to me. I googled the company, and it shows different phone numbers then what is listed on this paperwork. 

This letter is dated XX/XX/year>. I just sent them a request for a debit validation letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent several requests to Equifax Credit Bureau but still no response from them. That means Equifax has not complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Remove this account completely from my credit report : XXXX XXXX XXXX - XXXX {$1900.00} Reported : XXXX XXXX, 2021
Product: Debt collection

Hello, My name is XXXX XXXX, I am writing to in hope of assistance to formally dispute the {$320.00} debt collector company is attempting to collect in relation to an apartment application fee. This fee was supposed to be waived by the apartment company, but I paid it initially. When I chose not to proceed with signing the lease, I requested a refund, which was ignored by the apartment company. After multiple attempts to resolve the matter with them directly, I initiated a charge-back through my bank, which was processed successfully. I have documented evidence, including email correspondence with the apartment company, to support my position that this fee was not owed. I do not owe this debt and will not be making any payment. I am seeking assistance from CFPB to help resolve this matter so that it would not affect my credit history and credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the collection agency XXXX XXXX directly, as well as, Experian, XXXX, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried calling the lexisnexis company and I can not get a direct answer to file dispute and correct address
Product: Debt collection

XXXX contracted a third party debt collector named ACSI to debit my account in the amount of {$1200.00} on XX/XX/20 claiming a lease payment agreement. I disputed with my bank the following Monday because I never authorized this transaction. Also I am no longer a XXXX customer. The bank notified me stating XXXX claimed I never returned the devices and I signed a contract. This was a lie, I located emails showing I returned the devices and that the company that debited my account is a third party debt collector posing as XXXX. I never got anywhere with the bank because although I provided supporting documents and complained with the State they came back and reversed the credit. I had no knowledge at the time of what was about to take place nor did I authorize this amount of money to come out of my account. I have suffered hardship due to this fraudulent act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX two years ago. I had lost of income however recently settled with the company. I asked them to delete because information is totally inaccurate. This account shows charge off for this year, last year and the previous year. XX/XX/XXXX was last payment. As of XX/XX/XXXX they have charge off on my account which continues to reset my credit. Ive contacted their CEO and executive office. Initially they were responsive but after a while not so much. I want this removed from my credit. Ive emailed the CEO XXXX XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I received a copy of my credit report and found a collection account opened in my name that does not belong to me. The collection account is XXXX XXXX XXXX and the original creditor is XXXX XXXX XXXX. I have never had any accounts with XXXX or authorized any accounts to be opened in my name. This account is a result of fraud. I have previously submitted a copy of the police report and the FTC report to the CFPB and to all three of the major credit bureaus.
Product: Credit card

I have always made sure to pay on time for this account, never letting it become overdue. I don't know why there are late payment remarks on my accounts. According to 15 USC 1666b, these billing errors should be fixed.
Product: Credit card

There is a settlement from Tempoe LLC. There was a settlement. They sent me a letter and told me I did not cash my settlement check. It says I have until XX/XX/year>. I need the check reissued. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My old address was XXXX XXXX XXXX XXXX XXXX XXXX. Thank You
Product: Checking or savings account

I have a sole proprietorship. I use venmo for my financial transactions. My husband passed away I moved back with my family states away never thinking of these accounts until an old customer requested receipts from me. Upon calling venmo and XXXX  XXXX XXXX. I found out that my account has been compromised all of these years. Thousands tens of thousands of fraudulent transactions have went through and I was never notified of any of the transactions or the account log in credit shows being changed. XXXX XXXX XXXX  is trying to tell me that. They have an account profile with my name, address, date of birth email, and phone number with no transactions underneath it. Venmo has been dragging their feet and playing ignorant to the disputes that I am sending to them on all of these transactions that were unauthorized and not mine and have not sent me my money back..
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage through indigo mortgage and was supplied a pre approval letter. While going through the home loan process and two weeks before closing Equifax has no credit information on me and is reporting as fraud. I have called Equifax several times to resolve and have heard nothing. They say they dont know why its not reporting. This is causing me to possibly lose the house I was buying. Buyer has granted me an extension for 10 days to get this resolved.
Product: Credit reporting or other personal consumer reports

Erroneous activity has been reported multiple times. It is imperative that any unauthorized items are removed within four business days. These process includes verifying my identity, submitting an identity theft report, identifying the relevant information, and confirming that the activity is unrelated to any of my transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal was notified of a fraudulent transaction that took place XX/XX/XXXX I've contacted them several times informing them I was a victim of identity theft and I never authorized {$100.00} XXXX notified them I involved local authorities and had a police report as well as confirmation from XXXX and XXXX XXXX that they attempted the same fraudulent transaction with them as well as PayPal Credit and everyone including PayPal confirmed it was fraud but PayPal still has a balance of {$100.00} they want me to pay before I can use my account and I've given them more than enough time to credit it to my account and they disputed that it was unauthorized and try to tell me to contact the merchant and I've told them that's not an option it's a scam and they know it's not a legitimate transaction and several attempts to clear this balance have been treated disrespectful and when they claimed it was resolved in my favor they still did not take the balance off my account
Product: Credit card

I just XXXX out of the XXXX XXXX  and im trying to build my credit. I got a credit report back saying that I have XXXX maxed out capital one credit cards, XXXX from XXXX years ago and another from XXXX. I was underage at the time and dont know who couldve opened them in my name.
Product: Mortgage

I closed on my new construction home XX/XX/XXXX in XXXX, TX, located in XXXX XXXX. On XX/XX/XXXX, I submitted a letter from the XXXX XXXX Tax Assessor office as official certification that my property tax liability {$0.00} because I am a XXXX XXXX XXXX XXXX Veteran. The letter was signed by XXXX XXXX, Exemptions Clerk for the XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I received a letter from LoanCare indicating they were made aware that I qualify for a tax exemption, and " if necessary, the account will be analyzed and adjustments made. I followed up with the company on XX/XX/XXXX, and the matter was still pending. I logged into my online account on or about XX/XX/XXXX, and the escrow amount had still not been modified. 
The agent I spoke with stated " they called to XXXX XXXX Appraisal District '' to verify the information and was told that " I only qualified for a partial exemption ''. On my second follow up call on XX/XX/XXXX, I was told LoanCare was not waiting on a bill from the Assessors Office. Again, I have submitted a certified letter from the XXXX XXXX Appraisal District office that states " the exemption will result in no taxes being assessed on this property in XXXX and subsequent years. I had no choice in picking this company, but there actions in this case are consistent with many of the XXXX  cases I have read. I am concerned that they are intentionally and unlawfully withholding my escrow funds to use for other investments.
Product: Debt collection

My bank accounts had holds placed on them for XXXX from Portfolio Recovery Associates. Cause # XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX. The name on the account was XXXX XXXX not sure what the account may have been for but whatever they think it was for was old because I have my married name still XXXX XXXX since XXXX