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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Someone has used my information to create a fraudulent account with Goldman Sachs under my name and business. I would like this account to be removed as soon as possible. Please contact me at XXXX or XXXX XXXX XXXX, XXXX, PA XXXX.
Product: Checking or savings account

I had to file a CFPB compliant to get my {$400.00} promotion from Citi bank. They finally awarded the promotion after and excessive amount of time. I just received my XXXX and it states that I earned {$800.00} from two promotions. I can not trust this banks record keeping in any way and caution anyone who uses this bank to review their statements carefully. To fix the issue I would like Citi to issue a new XXXX or send me a check for the {$400.00} that they said they paid me.
Product: Credit reporting or other personal consumer reports

Dear credit bureau, I was reviewing my credit report and found inaccuracies on my credit report. The creditor, XXXX XXXX, was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance of the alleged account. Please advise XXXX XXXX is reporting twice on my credit report with the dollar amount {$1000.00}, which is skeptical and appears the company is not reputable and is acting malicious. I didn't receive the paperwork and the account needs to be removed as laws have been broken. This also appears to be aggressive behavior of XXXX XXXX. How did your credit Bureau verify this account and what information do you have to send me proof of proper investigation? I want itemized receipts about the account as well. If you do not have this documentation and can not provide it within the next 30 days, i demand the account listed below be deleted immediately for violating my FCRA rights. 

XXXX XXXX XXXX
Product: Credit card

I took a Balance Transfer in the amount of {$15000.00} on XXXX/XXXX/2015 on my Barclay UPROMISE by Sallie Mae Mastercard. The starting balance before the transfer was {$0.00}. 
The minimum payment each month was between $ XXXX {$150.00}. In the following month ( XXXX/XXXX/2015 ), I made a merchandise payment of XXXX It is my understanding that under the " CARD ACT '' any payments that I make should first get applied to my highest APR component of balance. Unfortunately, it does n't seem like Barclay is complying with this rule and is continuing to charge me interest on that XXXX I made the following XXXX payments after the merchandise purchase XX/XX/XXXX:XX/XX/2015 $ XXXXXX/XX/2015 $ XXXXXX/XX/2015 $ XXXXAnyone of these payments should have covered the XXXX merchandise with a non-zero APR. But Barclay continues to charge me interest on that XXXX purchase. 
I have spoken to XXXX different agents including a supervisor, and I got XXXX different answers. The supervisor stated that they have the right to allocate the minimum payment any which way they want. Only payments above the minimum payment will be allocated to the highest interest rate first. Under this theory, if I had made a payment of $ XXXX $ XXXX {$230.00} then there would have been no finance charges. But their statement has a paragraph that says I had to pay over {$380.00} to avoid interest!!! That 's deceitful! 
Their statement is confusing and makes no sense. It should have told me the right dollar amount to pay in order to avoid interest. I could have paid the $ XXXXI just want to know what is the correct $ $ to pay to avoid interest and no one seems to know at Barcalys!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  reported this loan incorrectly as a " Paid Charge Off '' in XX/XX/2020. A week later they reported it as " Paid in Full as Agreed '' but this correction is not reflected on my credit report/credit score. Please correct ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of last activity reporting is inaccurate on this account it reports that the date of last activity is reporting : XX/XX/XXXX ( XXXX  ), XX/XX/XXXX XXXX Experian ), and XX/XX/XXXX ( XXXX  ) which makes the debt to appear re-aged. On XX/XX/XXXX I wrote a letter to the bureaus in which they did not respond or delete the account for inaccuracy. I would also like to note that the account is not reporting a date of last payment on XXXX or Experian but a date of XX/XX/XXXX reports on XXXX
Product: Mortgage

I was in the process of re financing my home, I was working with a few different mortgage companies trying to find the best deal. XXXX of these companies was quicken loans. I made a decision to go with a local company but the banker I was dealing with at quicken loans using their aggressive tactics told me " the rates went up this morning but lucky for you I locked you in already. '' Not knowing everything about mortgages like most people, He made me feel like I was already stuck and I had to go with him. So I went ahead and filled out the mortgage application and within minutes they had my credit card info and charged me a {$500.00} deposit for the appraisal and credit info. I felt this was quite quick but knew It was part of it so it was fine.. 
I was rubbed the wrong way from the very beginning and felt uncomfortable using this company, so I asked around and also the lender I wanted to work with and found out I can back out and cancel the loan and if I did it soon enough I could get all my {$500.00} back. So this is what I did, I called Monday morning the XXXX of XXXX and cancelled my loan. I told the banker I want to stay on the phone until it 's 100 % finished. He then told me it 's done. There is nothing more you need to do. I then asked him to transfer me to the right person to talk to about getting my refund to my credit card. As I spoke to the woman in that department she told me everything was final and it would take 7-10 business days and I would see my refund. So I waited until Friday XXXX XXXX and never saw my refund, so I called to find out what was going on. A lady in customer car looked up my info and said you 'll see it on Monday and to call again if it 's not there.. Monday comes, no refund. So today, Tuesday morning the XXXX of XXXX I called again to find out what 's going on. I get another lady in customer care, as she looks up my account she tells me they have n't even started the canceling process, and this process will take their team 8 days to complete and then the refund will come 7-10 business days from that. It has been 15 days and I will not receive my {$500.00} refund from a multi-billion dollar company for at least another 2-3 weeks! 5 weeks in total is completely unacceptable. It 's a credit card, very easy to refund a charge.. 
The high pressure, plus using tactics to make me feel trapped just to take my money as fast as possible and then give me the run around and hold my money hostage for as long as possible so they can make more money is downright disgraceful and I am absolutely disgusted with this company. Hopefully something happens with this and consumers are warned about working with any company like this.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit card

I received a call from Chase Bank about a personal loan that had already been paid off with another lender asking me what the loan was for. 
The purpose was to reduce my lines of credit with Chase because I banked with a bank outside the major banks. 
Now they have placed me on a list that has my limits reduced at regular intervals with absolutely no derogatory reporting hindering my recent business start-up and pushing my credit usage higher to the available without changing the amount of usage. 

Yet Chase bank continues to send me advertisements wanting me to bank with them then denying the requested credit. 
This has also leached over into the other major banks as they all share information without authorization from the individual who has given explicit direction to not share information.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized and Inaccurate Credit Reporting, Failure to Validate Debt, FCRA, and FDCPA Violations by XXXX XXXX XXXX, TransUnion, and XXXX on Behalf of myself, XXXX XXXX XXXX. Complaint Details : I, XXXX XXXX, has discovered multiple violations regarding her charged-off XXXX XXXX XXXXXXXX credit card account XXXX which has been inaccurately reported by both TransUnion and XXXX. Additionally, XXXX  XXXX XXXX has failed to meet their legal obligations under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and we have reason to believe they may no longer own this debt due to securitization.

Key violations : XXXX XXXX XXXXXXXX charged off this account in XX/XX/year>, yet both TransUnion and XXXX continue to report late payments post charge-off, creating the false appearance of continued delinquency. 
XXXX  XXXX XXXX has failed to provide any 1099-C cancellation of debt, suggesting they may be double-dipping on tax write-offs while reporting the debt inaccurately. 
XXXX  XXXX XXXX own XXXX filings indicate that debts such as these are often securitized and sold to third parties, meaning they may no longer own the debt they are reporting. Reporting a debt they no longer own is a violation of the FCRA and constitutes unauthorized reporting.

No proper debt validation has been provided, despite repeated requests.

TransUnion and XXXX reporting is inaccurate and does not align with the FCRA requirement to report only complete and accurate information.

2. Violations and Legal References : The following legal violations are applicable : FCRA 611 ( a ) Duty to reinvestigate disputed information.

FCRA 623 ( a ) ( 1 ) Duty of furnishers to report accurate information.

FDCPA 807 Prohibits the use of false or misleading representations.

IRS Code 6050P Requires creditors to issue a 1099-C cancellation of debt for any forgiven debt over {$600.00}.

Breach of Contract XXXX XXXX XXXX failure to adhere to their credit reporting obligations outlined in their credit card agreement and arbitration clause.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair debt collection practices act as well as the Fair Credit Reporting Act my rights have been violated by XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 1. ) 15 U.S. Code 1681C ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

2. ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

3. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.And they do not have my permission!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 someone went online with a computer and applied for a credit card in my name ( fraud ) at XXXX XXXX Bank in XXXX. I got a notification from XXXX XXXX, which i am a member of and i then called the bank. They advised what had happened and i informed them that this was in fact not me ( fraudalent ) and they confirmed the above statement of an attempt of fraud. So they deleted the application process and deleted my information, out of their system. 

In the approval process, a Hard Inquiry was pulled against Transunion Credit Bureau. 

Transunion won't remove it from my Hard Inquiry unless they're told to by someone else other than me to remove it from the credit report. 

XXXX won't send Transunion anything as well as my information is no longer in their system to even attempt to send Transunion a notification to delete the inquiry as well. 

My attempt is to get that off my credit report as it remains for XXXX  years and without my approval to even be there.
Product: Consumer Loan

i had a car loan with united finance my mom was in the hospital XXXX and i missed only XXXX payment the next month i tried to make it up and they refused to let me make my payments the man was yelling at me and i was just trying to make a payment
Product: Debt collection

The account is closed whail ago and until now it shows on my credit score and I tried so many times to contact the aquafax to remove from my credit no answer which effects my credit scores. Thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX my rights have been violated according to the law : 15 USC 1681 sec 602 a I HAVE A RIGHT TO PRIVACY and don't want these transactions and experiences reported from this account unless the negatives are taken off! 

15 USC 1681 604 sec 2 the can not furnish this report without my consent 15 usc 166b my transactions or experiences can NOT be reported as LATE 15 usc 1681 A 2 a1 according to the law transactions and experiences are NOT INCLUDED IN THE CONSUMER REPORT also most importantly MY INFROMATION SHOULD BE ACCURATE and FAIR.. i have inaccurate information from this account which has effected my future of obtaining a home and a vehicle i have proof of inconsistencies and the law that is broken by this inaccurate information reported on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX  inquired on XX/XX/XXXX and on XX/XX/XXXX The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, I applied for Covid Forbearance- I'm XXXX, and a XXXX XXXX XXXX  That were oit able to pay rent- BUT I NEVER USED THE FORBEARANCE- all Payments On XXXX XXXXFreedom Mortgager ADDED {$49.00}, XXXX to my Loan Balance MY CREDIT SCORE DROPPED XXXX POINTS!!! I BORROWD NO MORE MONEY On XX/XX/XXXX I was able to get through to Freedom Mtg Customer Svc and Report the error- The Clerk on the phone saw it, said " XXXX '' and Escalated the complaint For te Next Week Freedom Mortgage denied the error was made On XX/XX/XXXX, I spoke to a Representative in the COVID Response Team that said " Oh Disd yiu not get the memo, a system error added balances to many COVID Relief Customer in error '' She directed me to the credit report where -- On XX/XX/XXXX XXXXwastaken off my loan balance... 

Two things ; If you Notice, there is a Difference of {$320.00} From what they added to my Loan Balance an whst was Credited Back AND MY DECIMATEDCREDIT SCORE, AFTER A MONTH is Unchanged!!! 

I've Sent Freedom Mortgage 6 Email requests, through their Client Portal, ti correct their errors, no response! 

Please Help! 



PS. Oh and, todsy, I notice on the Credit Report- Freedom Mortgage is reporting my Mortgage Balance has increased {$400.00} AND that my payment status has changed w a Derogatory for late payment history- I HAVE NEVER MISSED A MORTGAGE PAYMENT! ( nte, at one point there was an escrow discrepancy, that Freedom Mortgage recorded as a missed payment, I was Told that was corrected-, zt the time APPARENTLY NOT
Product: Debt collection

I disagree with your choice to deny my allegation of identity theft. Why do you have the right to determine whether or not I am a victim? You have neither the authority nor the legal basis to make such a decision. If you don't agree to my claim, I'll get help from my lawyer to take this matter to court. I must stress that my identity theft claim complies with all legal requirements. As required by law, I have turned in an official report to a government agency. Together, let 's work to find a solution to this problem in the allotted five days. 
XXXX XXXX XXXX XXXX XXXX I want to be very clear that I will not stand by and allow this egregious injustice to continue. You will pay a price if you continue to reject my legitimate claim. I have no qualms about consulting with my lawyer and seeking a court order to address this ridiculous circumstance. I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. 
My frustration and anger are beyond measure, and I am resolved to see this blatant injustice rectified. The law is on my side, and I will not rest until justice is served.
Product: Credit reporting or other personal consumer reports

This debt is discharged and should not be reported, especially being reported as late payment payments not being made. This is ridiculous and be going on for years now should be ashamed and definitely should be fined and sued. also, I called the company asking to opt out unfortunately, theyre still reporting. I did not consent for any information to be disclosed to a third-party.
Product: Money transfer, virtual currency, or money service

I am asking your help in recovering {$28000.00}. On XX/XX/2020, I had my XXXX XXXX XXXX initiate a wire transfer to Capitol One Bank, XXXX XXXX, LA. This money was to be received by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX, XXXX Email XXXX Fraud Support Capitol One Bank XXXX XXXX XXXX XXXX. XXXX, MN XXXX Fraud Support, Good day. I am asking your help in recovering XXXX. On XX/XX/2020, I had my XXXX XXXX XXXX initiate a wire transfer to Capitol One Bank, XXXX XXXX, LA. This money was to be received by XXXX XXXX, XXXX XXXX XXXX XXXX, VA, US. ( see enclosed copy of wire transfer ) About a week later my XXXX XXXX banker informed me that Capitol One Bank refused to release the funds to the recipient due to Fraud Concerns. I was told that I would be able to receive my funds from Capitol One Bank in a few days or weeks. It is now XX/XX/2020, and I still do not have my {$28000.00} returned to me. 

I initiated a complaint with XXXX XXXX XXXX Resolution Team. I have been informed that Capitol One Bank has not responded to our  calls. I have a new case initiated I.D . # XXXX. 

I am expecting to receive a reply from Capitol One Bank within 10 business days. If I do not receive a reply from your bank regarding plans to resolve this issue I will be forced to seek a legal remedy. Please help me recover the funds that Capitol One Bank withheld. 

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

Hello, The credit bureau is stating inaccurate information on my student loans which has drastically caused my credit score to decline. The account is stating that I have been 120 days late on my report but I have been in an active forbearance with the servicer. No payments are past due and are at XXXX for payments. These late payments are inaccurate and should be deleted immediately.
Product: Debt collection

I received a garnishment letter from my job that LVNV is going to garnish me for a bill that is from 2007 or later. What can I do?
Product: Debt collection

On XX/XX/2022 I contacted XXXX XXXX Because I was denied an apartment rental due to having a utility on my credit report. I contacted them to inquire what happened. I spoke with someone by the name of XXXX. She stated to me that two accounts were associated with my address. One was a mistake. The other was current. She notated that on my account and stated that I needed to contact the debt collection company to have them submit a dispute. I contacted the company, but the company require that I give them additional information and that I owe the money. I said I dont. Dont call me. I spoke with a woman named XXXX at the debt collector. She even gave me her direct line number. I asked her how long it would take
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX ATTN CREDIT DISPUTES XXXX XXXX XXXX XXXX, UT XXXX Re : XXXX XXXX. 
Account # : XXXX Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Texas State Attorney Generals Office and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, XXXX XXXX