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

I am addressing this complaint to you, as I want to make sure that these fraudulent inquiries be removed immediately. I need the Experian and XXXX Credit Bureaus to remove the fraudulent inquiries from my credit reports within 15 within days : EXPERIAN 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 card or prepaid card

To whom it may concern, I have paid XXXX XXXX ( through comenity bank ) on time every month. There were always strange changes on their statements that I didn't question because I had the intention of paying the balance in full prior to my XXXX statement. As an example ; " the balance subject to interest rate '' changed sometimes ( There was only 1 purchase on this account ). I was told upon opening this account that I would be allotted 6 months from my first statement to pay the balance off. That would be my XXXX statement ( which is still not generated online ). The first statement was dated XX/XX/XXXX, and states " XXXX XXXX XXXX '' meanwhile I actually bought the item in XXXX XXXX XXXX. I've never been to XXXX XXXX so I may even be due back money seeing as XXXX Lempira is equivalent to XXXX of US dollars. I'm not sure why this purchase actually shows as coming from XXXX XXXX. Possibly to benefit the business ( Just an assumption ) seeing as there is a major currency difference. Additionally I logged in to my online account today. XX/XX/XXXX between XXXX and XXXX and selected the option to pay " Total balance due '' and issued a payment of {$630.00} USD which should have cleared all balances on my account. I called this evening to close this account as I didn't want this company on my credit report any longer, and was told that the company showed I had interest charges exceeding {$100.00}. ( These charges are not accurate, and they were posted to my account after I paid off my balance in full ), Mysteriously they appeared thereafter the final payment was put through. I would like this to be looked into please seeing as I haven't even received a bill for XXXX as of yet, and I additionally selected the option earlier today to pay this balance in full. Approximately 4hrs later I'm being informed of additional fees after attempting to close the account, meanwhile this afternoon the website showed a {$0.00} balance. This seems extremely unprofessional, and somehow fraudulent. 

Please let me know if any additional information is needed from me, Thank you for your time looking into this discrepancy, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to get my free credit reports online, from the XXXX credit reporting agencies, using the website XXXX There was some sort of glitch and the website said I could not get them online, that it would mail them to me. Then I tried calling using the number XXXX to talk to someone so I could get the reports online. This is an automated line and it said it would mail them to me. My complaint is there is no phone number for customer service or their corporate offices to redress any of my issues with their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; AXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

After repeatedly seeking B of A to accommodate my XXXX they refused. I requested an interactive good faith process to accommodate my XXXX. I did not want a one sided opinion of my XXXX by a lay person and requested if anything were being documented in regards to accommodating my XXXX that it be shared with me so that I knew it was not derogatory. The Rep, XXXX id # XXXX then thought she put me on hold. She began telling another rep how abusive of a person I was that I was making crazy demands, that I refused to get off of the phone, that I thought I was entitled to an accommodation under the ADA. She was very derogatory in her description of me. This is exactly what I had feared when she was making notes about me. I was missing {$2600.00} from my account and nobody at the bank was being helpful. I let XXXX and the other rep know I was listening and still recording and that I thought her remarks about my XXXX wee inappropriate and disturbing. 4 Hours later a XXXX at B of A was able to locate the {$2600.00}. The bank kept telling me there we no issues with their online wires. Yet they were wrong and blamed me for their system not working. They now say it will take until the XXXX of XXXX to fix secure transfer and the migration from safe pass. They kept me on the phone for 20 hours on the XXXX trying to resolve this and another 6 hours on the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX breach put over 140+ Americans at risk. Now, Transunion is not even allowing us to freeze our credit. This is absolutely unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account NameXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received a letter from my XXXX XXXX XXXX XXXX who provides services for my health insurance company XXXX XXXX. They informed me that my records have been accessed with all of personal information by an unknown person. When I called and spoke with a rep she informed me that they were caught on XXXX XXXX but they could have had access up to 30 days prior. Below are accounts listed XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

After telling AES that my address is no longer at XXXX they continue to send all my paper work there with personal information. I thankfully found out about this! But I 've sent them multiple messages stating this is not my address! I am so glad they are willing to just send out personal information out without care. It is negligence!
Product: Credit reporting or other personal consumer reports

I have a Synchrony Bank credit for {$6000.00} that I use to purchase in rooms to go. 
They suddenly decided to reduce my credit without any explanation or reason, affecting my credit score in XXXX points down they didnt consider even a call I had a refinance schedule for this past month and by reducing the credit without any notice they took 30 points of my credit as a result my refinancing was denied. This bank needs to be hold accountable for the damage they induced in many of their clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : DPT EDXXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report under my social security number is under someone elses name. I have sent 4 faxes, one mail copy, and two email copies of my identification verification to solve it in the last two weeks. I have called their number 14 times during the last two weeks. We are about to lose a house because of it and Equifax has been no help in resolving this issue. I have gotten a notice from them that the fax was not readable from our first fax, and a letter in response to my mailed copy that did not even address the underlying issue that there was a social security number and name mismatch. We do not know what to do to get this resolved, Equifax has shown no interest in getting my file corrected. 

XXXX XXXX
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 Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX Balance Owed : {$0.00} XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

REFERENCE CASE # XXXX Or. Case # XXXX I received the reply from Bank of America but they could do XXXX help me out to recall my money {$8600.00} since it was done by Fraud and Scammed by the recipient, XXXX XXXX XXXX XXXX, which eventually lead me to report this to the local enforcement and the FBI in town here in XXXX XXXX, and I was physically had an appointment to show the FBI the proofs and adviced me to have the bank assist me to contact the other Bank XXXX XXXX in XXXX to investigate the money laundering by the recipient Account # XXXX, XXXX. Bank ID, XXXX. The BANK OF AMERICA MUST ASK TO SOME PROOF FROM THE RECEPIENT BANK TO INVESTIGATE THE ACCOUNT HOLDER ACCOUNT ABOUT THE NATURE OF MONEY AND TELL THEM THAT THE SENDER WAS A VICTIM OF FRAUD AND I STRONGLY REQUEST TO RECALL MY MONEY {$8600.00}. 
I AM LOOKING FORWARD TO HEARING GOOD RESULTS TO THIS MATTER.
Product: Debt collection

they kept on calling me over 5 timer per day... threatened me to take legal action & will come down to my address. 
they kept on changing the amount i owe them to XXXX and then XXXX and then XXXX and so on. they also mailed me, emailed me, & texted me nonstop
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year> and noticed some things that are inaccurate and incomplete. I sent a letter to Equifax on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix anything. THEY ARE BREAKING FEDERAL LAW!!! 
ACCORDING TO : 15 usc 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 usc 1681 I ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. AND 15 usc 1681 s-2 ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. THIS IS UNFAIR AND ILLEGAL! If theyre doing this to me imagine who else theyre doing this to. They must be blind because everything is inconsistent. Can you fix this ASAP?
Product: Credit reporting or other personal consumer reports

XXXX XXXX I, XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX and phone number of XXXX states I owe {$1900.00} on a Citi Bank credit card. I spoke with Citi Bank over the phone two years ago, and Citi Bank ran my phone number, addresses, and social security number and could not find any record of me opening a credit card account. I called two months ago and spoke with Citi Bank again regarding this credit card and was told no account exists in my name. I spoke with another collection agency over two years ago and was told the owner of this account was XXXX XXXX XXXX. XXXX XXXX I, XXXX refuses to remove the account from my credit report and refuses to do a three-way call with Citi Bank 's customer, whom they are collecting for. I want this account removed from my credit report and to not show up again.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute ps regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX XXXX ) against hem for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a dispute letter. that contained inaccurate things on my credit report. It has been 60 days or more I've received a response but its not the one I would like to hear. I feel like the Junk Collection agency just ignores my reasons for them to close my account. They can't provide me with any documents proving or staiting the I authorized that account. I asked them to send a copy of my id along with signed documents and my social. They couldn't provide this info for me. 15 U.S. Code 1681- Congressional findings and statement of purpose states ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand these accounts be deleted immediately or I will file for litigation due to all the stress all of this has caused. My Info was also affected by the XXXX data breach and more than likely got in the hands of the wrong person.
Product: Mortgage

dear sirs, I have owned my home, in XXXX, AZ out right, for 4 years and 6 months. I am on a fixed income on XXXX, social security. I have gone to XXXX or XXXX lenders, such as JP Morgan chase, XXXX XXXX XXXX XXXX, I have also inquired through lending tree.com and have had no luck in obtaining a Home Equity line or credit. I need a small amount of money to pay out my debt and this way, I can just have the bank to pay off, however, everyone wants to blame my credit scores, for which are not too bad, but although not as before my XXXX, I firmly believe that I should still be able to be approved for something. Everytime I discuss this with other people in the industry, I hear the same thing..illegal practices via discriminatory lending. Well, JP Morgan chase now also has taken my social security funds and have me on a XXXX right now because they keep insisting that an urgent care company insisted that I ran up a bill of {$150.00} for which I did not. I had my health insurance company also call their claims department to verify that I was wrongfully charged and that they were going to submit a cease and decist letter to the urgent care office which keeps dipping into my account without my consent. The bank clearly knows that my direct deposit comes directly through via social security and yet, they are not protecting my funds and also trying to accumulate interest and late fees on top of that too. I am furious, broke, I have bills piling up and now I have no more money for food for the rest of this month for XXXX. my son lost his job and we are in dyre need. Chase also was responsible for having me lose XXXX 3 years ago from an investment made to XXXX XXXX and never fully had any explanations for my losses. I am suffering with this because Now and rainy day monies I may have had, is completely gone because of them and now they are still doing this and getting away with it. Can someone please tell me who can help me with this problem and what are my chances on getting this dilemma settled.?? I pay all my creditors every month, with the exception of a few creditors because of this situation that has put me on the brink of unable to also being able to claim bankruptcy. I can not lose my home, which is, fully paid for outright just because of medical bills or creditors that were also conducting predatory lending knowing I was on XXXX but still sending me credit cards. I really need help with this. Why ca n't a XXXX single mother get a fair amount of a Home equity line of credit just to help me get back enough where I can breathe and sleep better at night? I can not file for bankruptcy because this state will force me to sell my house because they can only protect a certain amount of value of XXXX. My house has gone up in value, but I am in no position to move and I should not have to be put out just because of the unfairness of these lenders and these states that are failing to protect us fairly. please, please tell me where I can go for help? 
sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The issue is with Experian, not properly, investigating the errors on my report and everything coming back as verified, and it shouldnt not have
Product: Credit reporting, credit repair services, or other personal consumer reports

This company Equifax is the worst company i ever had to deal with in my life. They are rude and don't know what they are doing for over 2 months now I have been calling them and so has my wife just to get the same answer " WE DON'T HAVE A SCORE FOR YOU SORRY ''. I let them know what could i do to get a score they told me to mail out and fax and email paperwork to there company. So i did i mailed out on XX/XX/2020 to XXXX XXXX XXXX XXXX, XXXX XXXX, I sent them a bill, a w-2, copy i.d, copy of social, and cover sheet. They told me to call the following week and they should received. i called back monday because i thought fax would be easier so i faxed to this # XXXX i enlarged all copies and sent them through office max as well have the receipt. i HAVE FAXED INFORMATION MORE THAN ONCE. I stated this going on 2 month now and now going closer to my closing date and still no help from them have made my life difficult and stressful and my mortgage company told me they will be delaying my closing date if we cant get all 3 scores released. mind you the other 2 credit bereu are able to pull my score equifax can not. On XX/XX/2020 a manger was able to email me a XXXX to update my information and she let me know she received everything and we are good to go and we should be able to relese my score well on XX/XX/2020 @ XXXX XXXX I called again and let them know i wanted to see if we can pull credit and the gentlemen could not help me so my wife got permission to talk to a manger and she let me know that the supervisor in charge this morning hung up on her and did not want to help my wife. so ic alled again around XXXX to get the whole run around that they don't have ANY PAPERWORK! after the manger on friday said she received it i also have the email that she sent me. this company will leave us homeless if they don't relese my score I am in the military and never have i been treated so unprofessionally