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

I tried to get a credit limit increase on one of my credit cards today XX/XX/2020 but when they ran my credit, I was told that I was not eligible for a credit limit increase at this time due to an account in negative standing appearing on my credit report. I looked at the credit report that they pulled and I saw an account from a company called XXXX XXXX XXXX XXXX. This account is not mine and I did not allow anyone to open it in my name using any of my personal information. I do not have any written or verbal contract with that company and I never allowed them to run or access my credit information. I did not benefit anything as a result of this accounts being opened in my name such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards this account balance. I filed a complaint with the CFPB as well as a police report regarding this suspicious account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, a consumer, the natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

Certified Mail # : ( XXXX XXXX  XXXX XXXX XXXX )
Product: Credit card or prepaid card

This NATIONSTAR XXXX XXXX CO XXXX account is reporting derogatory information as reported in my Credit Bureaus. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

NATIONSTAR XXXX XXXX CO XXXX
Product: Vehicle loan or lease

the first time I asked them to remove it was before I went into the hospital the next time I asked them to remove it was right before a XXXX XXXX was placed in me while I was in the hospital. I stopped talking to them after that.
Product: Credit reporting or other personal consumer reports

These accounts are past statue of reports and needs to be removed off all 3 credit bureaus. XXXX, XXXX, Experian. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$640.00} XXXX XXXX XXXX / XXXX Date Opened XX/XX/XXXX {$84.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$4600.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Inquiries XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Student loan

I received a deferment on my student loan two years ago. The collection agency began harassing my family and friends by calling their private phone numbers yesterday XX/XX/2018. They continued to call today and asking for me, where I work, where I live etc. They claim to have tracked their numbers on a " public data system ''. We've asked multiple times to remove their contact information, since they have nothing to do with my bills nor manage any of my accounts.
Product: Mortgage

United Wholesale Mortgage XXXX number : XXXX is reporting a 30 day late payment in XX/XX/2022. My XX/XX/2022 payment was received on XX/XX/2022 so it is not 30 days late and should be removed right away as it is damaging my credit rating.
Product: Debt collection

I pulled my consumer report and discovered an unfamiliar collection on my record National Credit Adjusters , LLC also known as NCA in the amount {$830.00}. 

I disputed this collection on all 3 consumer reporting agencies and they have not been able to validated the debt.. NCA has refusal to remove the collections this is causing harm to my credit. I do not have a signed contract with National Credit Adjusters , LLC also known as NCA. 

Please assist me with having this collector provide a sign contract with myself and NCA and they should also provide a payment history. If they can not produce both request, please have them delete this debt from all 3 consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to express my deep dissatisfaction with Citibanks handling of my Costco credit card account. I recently experienced an unexpected and unfair account closure with resulting in the loss of my hard-earned {$150.00} in rewards.

The circumstances leading to the closure were as follows : my daughter, who is away at college, needed access to the Costco card for grocery purchases. In response, my wife and I decided to add her as a second cardholder and, without any prior warning, Citibank unilaterally closed my account. The closure was executed without notifying me, I didn't receive the warning, and it came as a shock to learn that my {$150.00} reward had been forfeited.

Upon contacting Citibanks customer service, I was informed about a fine print clause that apparently allowed them to take such actions. However, it is unreasonable to expect customers to meticulously scrutinize the fine print during a brief enrollment process, especially when opening an account at a busy location like Costco.

I believe that this practice is inherently unfair, as it not only resulted in the closure of my account but also led to the loss of rewards that I had rightfully earned through my Costco purchases. I urge the FDIC to investigate and address this matter, as it represents a breach of trust and transparency between Citibank and its customers. 

I appreciate your attention to this issue and look forward to a fair resolution, I want them to issue back the reward in the amount of {$150.00} that I already earned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID Theft since XX/XX/XXXX I have been victimized several ( 3 ) times throughout the years. My most recent was in XX/XX/XXXX-XX/XX/XXXX for credit cards and banking transactions, XXXX XXXX, XXXX, XXXX XXXX   and XXXX  XXXX XXXX, Companies XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Don't know of them or open accounts ) I have reported and contacted the Bureau by letters and made several attempts to request a further investigation on wrongfully reported, collections, credit cards and defaults on my credit report. I have asked to remove and to provide me with the proper documents to verify the activities of the accounts. I am not accountable for those accounts and need them remove and correct the reporting, also I have asked to remove all the Names on my report that is every single name in my credit report along with the 28 addresses that I have never live in. I have been at my current address for 15 years which is I have creditors, banks, collection agencies. I have done all my due diligence in taken action towards recovery my credit and ensuring that all agencies due there responsibility, and from the way things have gone, It has been the most horrible and stressful task that requires time, and patients and I mean from contacting the FTC, State police, to DMV changing my ID #, to social security for wrong income reporting. Social Security says they can not do anything about it changing my number unless I'm a victim of domestic violence, that's insane! I have been dealing with ID theft for 19 years and it simply does not get any easier, this has caused me hardship, XXXX XXXX, and not be able to homeownership, As a consumer and a citizen there has to be more measures for actions and for the reporting companies to make sure when information negative information or any to also have an attached file in ID the individuals that are responsible for opening the accounts, because when the consumer is aware and takes necessary measures to correct the fraud. Reporting agencies make it so hard for us to remove the wrong full actions when if they had a better system I wouldn't have to be going through this fraud. I am so tired off it all and I need help!!!!!!!
Product: Mortgage

I have closed a loan with Rocket mortgage bank on XXXX with interest rate XXXX after I made my first mortgage payment on XXXX, a loan officer from the bank called me on XXXX saying that the federal bank made interest rate cut, so we can refinance your mortgage at XXXX percent. I said this will cost me money and he replied " No, you just closed the mortgage with us all the cost is already have been paid. I thought why not if there is no cost to refinance the loan. So all the process was done via phone. They asked me to download the Rocket mortgage App to process all the closing documents.They sent me all the documents that I have already seen in my first closing. However, all those documents disappeared after I signed the second closing on XXXX. 

On XX/XX/XXXX, they scheduled to sign the closing online which is via the phone. Next day, I found my loan increased from about XXXX to XXXX. So, I called the loan officer asking him why this loan is increased and he said you have the refinance mortgage cost. I asked him why you told me and your boss in the first call that there is no refinance cost because I just closed the loan a month ago. He completely denied everything and he brought his boss and said if it is half percent, we will refinance for free but it is XXXX percent so we have to charge you. 

I called the customer service and complained about the lying and misleading behavior that those XXXX loan officers practiced with me to get me to accept refinancing. I asked the customer services to investigate and listen to the recorded calls. XXXX days later a lady called me from customer service, which specializes in those cases and she said all the paperwork showed that you have a closing cost and will be added to your current mortgage. I asked her did you listen to the phone calls and she avoided answering. 

It turns out Rocked mortgage is doing this practice with people all over the place. The bank makes money by deceiving people to get them refinancing their mortgage. 

The house that I financed with rocket mortgage located at : XXXX XXXX XXXX XXXX MO, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX INFORMATION
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX

RE: INVESTIGATION HARD INQUIRIES
15 USC 1681i
15 USC 1681b
15 USC e(b)

ON XX/XX/XXXXEQUIFAX STATES ITS AGENCY HAS COMPLETED ITS INVESTIGATION INTO EACH HARD INQUIRY. EQUIFAX ALSO STATES THEIR AGENCY HAS CONTACTED EACH CREDITOR LISTED IN MY DISPUTE 0N XX/XX/XXXX I APPRECIATE EQUIFAX INVESTIGATION INTO EACH HARD INQUIRY LISTED IN MY CONSUMER REPORT. I ALSO APPRECIATE EQUIFAX CONTACTING EACH CREDITOR TO VERIFY I GAVE MY WRITTEN CONSENT TO EACH CREDITOR TO OBTAIN A COPY OF MY CONSUMER REPORT. UNFORTUNATELY, EQUIFAX FAILED TO SEND ME ALL VERIFIABLE PROOF FROM EACH CREDITOR THEY CONTACTED, AND RECEIVED THEIR VERIFIABLE PROOF I GAVE MY CONSENT TO EACH OF THE CREDITORS TO PULL MY CONSUMER REPORT. EQUIFAX PLEASE SEND ME YOUR METHODS OF VERIFYING EACH HARD INQUIRY WITH EACH CREDITOR. EQUIFAX SEND VERIFIABLE PROOF EACH INQUIRY WAS INITIATED BY XXXX XXXX/Consumer. EQUIFAX PLEASE SEND ME EACH CREDITOR VERIFIABLE PROOF WITH MY WRITTEN CONSENT TO HAVE EACH CREDITOR OBTAIN MY CONSUMER REPORT AS SOON AS POSSIBLE.  NO LATER THAN 15 DAYS PER YOUR INVESTIGATION RESULTS. I AM ALSO REQUESTING EQUIFAX  DATA FORMS BETWEEN EACH CREDITOR WITH HARD INQUIRIES LISTED ON MY CONSUMER REPORT. PLEASE SEND ME EACH EQUIFAX AND CREDITORS ACDV-AUTOMATED CREDIT DISPUTE VERIFICATION  AUD/UDF- AUTOMATED UNIVERSAL DATA FORM.
Product: Money transfer, virtual currency, or money service

On or around the end of XXXX XXXX Permanently limited my account for an undisclosed reason. The froze my balance of {$730.00} Upon reaching out, they said it was their right when limiting my account to hold that money for 180 days. 
Since the passing of 180 days has occurred I reached out. 
Their phone services state there is no representatives. Their messaging system says to use it during certain hours. I did. And still getting the message to use it during certain hours. 
I used their internal email system and got the direct responses that my account had been limited. Not about letting me have my money. 

They are holding this money that is the companys and taking no steps or good Will gestures to fix the problem.
Product: Bank account or service

I was sent a promotion to open a Citi Gold account @ Citi bank. This was a unique promotion code, and not a generic one, probably based on the fact I had a credit card with them. 

My part of the offer was to open an account, spend {$1000.00} within two months, and pay some bills with it. 

i went to the citi branch in XXXX NY, and account was opened in the end of XXXX 2016 ( from some reason, they opened a saving account in addition, although I did n't request that ), and when I called sometime in XXXX ( after 2 months ), they said it did n't kick in just yet. 

Upon following up again, they said I did not fulfill the agreement, and I was supposed to pay bills with their online bill payment system, not with the brand new gold debit card they gave me. 
I have yet to find what they are basing this on, and I was clearly not aware of this, nor the branch where I opened it ever instructed me to do so. 

Multiple disputes were denied, although, most reps I spoke with, said I deserved those points. 
With every denial, I got a letter, saying if I want to reach out to them, I should call customer service, which is total useless, as they ca n't do anything. Sometimes they were rude, sometime nice, but always clueless, and powerless to do anything, resulting a loop, where I can never present my case. 

Giving up on their " justice '', I closed the account, and now I am waiting to receive my check for the remaining balance. This check did not arrive yet, but I heard stories ( on their facebook page ) that those check are a hassle as well. 

In my final attempt, I reached out to their social media team at XXXX, and there were very understanding, followed up in a professional manner, and tried their best to help me, along with open another dispute. 
They identified with my situation, and were very understandable. 
In our conversation a compromise was brought up, that I will pay two future months bill payment via the online service in order to complete the requirements ( as seen by the promotional team ). 
Apparently, this was not possible as well, so I was left with no option but to close the account and reach out to Consumer Finance. 

I appreciate your time, please feel free to contact me with any more info needed. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

There were creditors listed on my credit report that I had completed the debt verification process with. After having not received a response from the creditors to validate the debt I reached out to them a second time and demanded the information be sent or they discontinue reporting set information. Per the guidelines for the debt verification process. All correspondence was completed via US air mail certified. At the 45 day mark, I reached out to all three of the credit bureaus and ask them to remove the information per the FCRA guidelines for the debt verification process, XXXX refuses to remove information that has repeatedly been disputed that has been unverifiable with a creditor yet each dispute comes back as Debt verified is accurate within a day or two of the submission. If they wont respond to me in 45 days via air mail with the hopes of recovering a loss, then they clearly have not responded to the credit bureau to verify that and definitely not within 48 to 72 hour timeframe.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, According to The Law 15 U.S. Code 1681, I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my credit report, I noticed that there is an error regarding this information, such as the Vehicle is PAID OFF and I've Received Title So It Should NO LONGER BE REFLECTED ON CREDIT REPORT. The specific account in question is XXXX associated with XXXX XXXX XXXX. A COPY WILL BE SENT WITH THIS REPORT AS PROOF. And it violates the Law 15 U.S.C. 1692g is a section of the Fair Debt Collection Practices Act ( FDCPA ) that requires debt collectors to stop collecting debts if a consumer disputes them. 

According to my records, the information being reported is incorrect, and I would like to request that you investigate this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and Caine & Weiner for placing unauthorized hard inquiries on my credit report. These inquiries appeared on my XXXX, XXXX, & XXXX credit reports on XX/XX/year>, XX/XX/year>, & XX/XX/year> & has negatively impacted my credit score. 

The XXXX XXXX XXXX inquiry appeared on XX/XX/year>. The XXXX XXXX inquiry appeared on XX/XX/year>. The XXXX XXXX XXXX inquiry appeared on XX/XX/year>, & I have never been affiliated with this company. The Caine & Weiner appeared on XX/XX/year> & I have never been affiliated with this company. 

I did not authorize these inquiries with XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX XXXX that would justify such an action. Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX, a credit report XXXX only be accessed for permissible purposes. As far as I am aware, Discover Financial Service, XXXX XXXX, XXXX XXXX XXXX, or Caine & Weiner did not have any legal basis to access my credit report, and therefore, this inquiry was made without a permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've recently contacted both credit Bureau and credit company and none were no help to me. I recently contacted Transunion several times through letters, online disputes, and phone and advised them of the fraudulent inquiries that were on my profile that I did not authorize and recall doing. I know their was a fraud alert on my account that indicates anyone who runs my report needs to contact me via phone and that was not done which violates my rights as a consumer. I am really upset and tired of trying to get a hold of some one who will actually help me with these fraudulent inquiries. I have not yet heard response from neither letters and online disputes. Below are names and dates of reporting companies that pulled my report with out my authorization and that I consider fraudulent. XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX,
Product: Credit reporting or other personal consumer reports

I write today as a highly distressed, XXXX XXXX XXXX, after recently reviewing my credit report and noting an egregious amount of misinformation on my credit report most of which are now in dispute per tradeline. You will note my distress, when upon pulling my credit on or about XX/XX/XXXX, I noted several unauthorized accounts reflecting on my credit report, as well as several accounts at or near the legally required Age-off ( 5-7 years ), which are still reflecting on my Credit File. My emails and requests for urgent assistance continue to go ignored, meriting immediate and direct contact at this stage! 

To date, please be advised that I have requested the removal of several ( 10-20 ) either unauthorized or inaccurate items reflecting on my Credit Report including but not limited to : I. Multiple erroneous collection accounts ( XXXX XXXX XXXX, XXXX XXXX, etc ) II. Multiple accounts which are past due or nearing the legal requirement for aging off of my report ( 5-7 years ) : XXXX Accounts, XXXX, and several collection accounts per original creditors Date of First Delinquency ( XXXX ). 
III. Multiple unauthorized inquiries related to auto loans, between XXXX - XXXX, XXXX. 

Please contact me urgently and immediately to aid in the immediate removal of the aforementioned items in question, prior to commencing a Grievance with the following agencies : I. Attorney General Public Inquiry Unit II. Federal Trade Commission ( FTC ) III. Consumer Financial Protection Bureau Enforcement Investigators IV. Local media XXXX XXXX XXXX & Reporters to aid in urgent resolution Please be advised that it is grossly unacceptable that the reporting agency continues to arbitrarily deny my disputes and request for removal of these items, pursuant to FCRA & FDCPA. This matter is extremely time urgent, and merits urgent remediation at this level prior to any and all aforementioned Civil and Consumer actions. I have resisted several times to have an Executive level case manager contact me to resolve this urgent matter, and continue to be ignored outright. This matter is now extremely time urgent. 

Thank you for your immediate response & commitment to resolution at this level.