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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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: Debt collection

Multiple daily calls ( 4-6/day ) entirely by automated device, all originating from what Caller ID says is XXXX. The automated message ( s ) claim they are from CBE Group and are seeking " XXXX. '' I have no intention of serving as an unpaid collector for CBE Group and am not physically capable of doing so. I also do not reward, aid or abet wrongdoing so I will not be assailing this person, discussing any of this with neighbors nor engaging in unlawful collection practices with this fly-by-night scam illegal automated caller. 
I do want the peace and privacy of my home back and am not legally obligated anywhere in the world to serve as a message center for persons who may ( or XXXX not ) live in my neighborhood but who definitely do not reside here or have any business whatsoever with me nor I with their finances.
Product: Credit reporting or other personal consumer reports

My credit score is dropping dramatically in the last couple of months
Product: Mortgage

On XX/XX/XXXX we were denied a refinance loan from Bank of America XXXX BOA ), Loan # XXXX with Loan Officer XXXX XXXX. As a result we lost {$27.00} for the Credit Report Fee and {$820.00} for the Appraisal Fee. BOA denied the loan because they claimed out condominiums insurance coverage was not up to their standards and therefore citing the problem as " Collateral : Ineligible Property Type ''. However, our condominiums management company at the the time, XXXX XXXX XXXX, did have the issue resolved with the building 's insurance policy and made par to BOA 's request. 

We know this to be true because the issue of the loan denial was brought up to the attention of the our homeowner 's association, XXXX XXXX XXXX XXXX, at their XX/XX/XXXX meeting. After their investigation they found that the building 's insurance policy was up to Colorado state standards. Finally, as further proof that the building 's insurance is acceptable, the same property was successfully refinanced on XX/XX/XXXX with the same insurance as the denial date for the BOA loan in question. On top of that, numerous units in the same association have refinanced and sold between our loan denial and now with the same exact building insurance.
Product: Credit reporting or other personal consumer reports

this account was opened on XX/XX/XXXX i disputed 1st Digital/Synovus/XXXX  on XX/XX/XXXX again on XX/XX/XXXX and again on XX/XX/XXXX. the account still remains on my credit report. i am a victim of identity theft. I was notified by the United States Marshal service and component of the United States Department of Justice that my personally identifable information have been exposed in a security breach. This account I didn't apply for so it needs to be disputed. I have added supporting documents that's needed to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a secured credit card with XXXX XXXX. They were supposed to be a credit builder company, and thats the reason I have obtained it. XX/XX/20 I have received email from all my credit monitoring platforms stating that I have overspent my credit card, and for that reason my transunion credit score decreased XXXX points! This company called self lender is practicing unfair business! I have paid my credit card much before the due date XX/XX/20, instead of this company be reporting to the credit bureau like any other financial institution, they are reporting what you spent on your card before payment is due. For example : my credit card is due on the XXXX of each month. I pay the credit card the XXXX of that month. After the statement posts like any other credit card I can spend. This company is reporting to credit bureau at the end of each month your balance that you have on your card! This company has Hurt my credit score in the middle of purchasing a home. Im in the process of purchasing a home, and my credit has reduced XXXX points. They have reported to the credit bureaus that I have overspent {$18.00} dollars from my credit card! I need this company to shut down! I have filed a complaint with the XXXX XXXX XXXX as well! They will not ruin my house purchasing! I am a single mother with a young kid, and my dream my whole life was to purchase a home. I need XXXX XXXXXXXX  to fix what they have done to my credit as soon as possible! Im closing my house in 2 months! I cant afford taking a hit of XXXX points on my credit score! I will upload photos of what was reported to the credit bureaus as well as my statement.
Product: Credit reporting or other personal consumer reports

Every single alleged account that Is reporting on my consumer report is incorrect and needs to be removed. Every negative alleged account is reporting inaccurately, and erroneous which is grounds for removal under the Direct Violation of XXXX XXXX XXXX XXXX incorrectly. Please have them do a full complete investigation on my credit report, please dont just have them do it by eoscar, my life is depending on my good credit. Every account is unauthorized.
Product: Credit card or prepaid card

American Express - I'm being charged way too much interest on my American Express Blue Card - the rate is 24 %. 

My credit score is above 740. 

I make all my payments on time. 

I use the card and pay it off in full each month. 


I have made repeated requests via phone and chat to have my interest rate lowered and I'm denied each time.
Product: Credit reporting or other personal consumer reports

I have received a response from the credit reporting agencies stating that the investigation into these accounts has been completed and deemed accurate. However, my credit report still shows several inaccuracies. 

According to 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification, I am entitled to a clear explanation of how the verification process was carried out. I request a comprehensive description of all procedures and steps taken to verify the accuracy of these disputed entries. 

Given that these discrepancies persist despite the investigations, I demand the removal of these inaccuracies from my credit report.
Product: Debt collection

I originally opened the account but released all control to my daughter when she moved XXXX by phone with a XXXX rep XXXX years ago. I have never been billed for the account in the past 7 years ... my billing address is not on the account because everything was through online bill pay ... eco bill. I do n't have access to the account and now all of a sudden it has gone to collections and they are saying I am the original account holder and responsible for the past due balance owed on the account ... supposedly my social is tied to the account so that means you should also have access to my other account in order to contact me about the past due amount. XXXX dinged my credit without contacting me XXXX. When I called XXXX their excuse was we billed the address on file. I know that was a lie because everything was online bill pay. There was no address on file I know that for a fact because the rep asked me for the password that was on her account so they could access the account. I told them I had no clue to the password since it was not my account. I also know my email address was not on her account. When she took over the account everything was changed to reflect her ... email address and password ... only she had access to the account. They had no problems allowing her to take over the account so they should be holding her responsible for the bill. Everything is done through email because that 's what the account preferences were set up as. That 's not acceptable ... they have my address on file because I have my own XXXX account so they ca n't say they could n't find me. I have lived at the same address for 20 years and had the same XXXX account for the past 13 years. You ca n't say its my account and never bill me for it. I have received no paper, phone, or email contact over the above referenced account number for the past due balance. You ca n't have you cake & pie and eat too. I was never given a chance to dispute this ... it just showed up on my credit report XXXX hours ago. I received a text alert from XXXX that this was just added to my report. 

My credit report reads as such : ALLIED INTERSTATE $ XXXX XXXX account reported on XXXX XXXX, XXXX : Account # XXXX : $ XXXX Creditor : XXXX XXXX Balance $ XXXX Date : XXXX XXXX, XXXX Reported : XXXX XXXX, XXXX : IndividualRemarks : Placed for collection
Product: Credit card

Please reference case number XXXX. This case is still ongoing even though you closed it. In response to the before mentioned case, the company stated they would electronically deposit the $ XXXX that i'm owed into my bank account with XXXX business days of XX/XX/31. They have not deposited anything into my account but my Citi XXXX balance now shows " XXXX '' instead of previous amount of " - {$7000.00} ''. 

They have consistently failed to do what they stated they'll do over the past XXXX weeks. They only time they have actually reached out to me is in response to my CFPB complaint and even the first complaint didn't resolve it. This is incredibly frustrating considering I am XXXX militarily in defense of our nation and separated from my XXXX children and spouse. I am at risk of missing my mortgage payment on the XXXX if this doesn't get resolved before that date.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX   ( Original Creditor : 08 XXXX XXXX XXXX ) XXXX This account is not mine Delete it immediately Account : XXXX XXXX This account is not mine Delete it immediately Account : XXXX XXXX XXXX This account is not mine Delete it immediately Inquiries : XXXX XXXX I did not authorize Delete it  immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX  I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately
Product: Credit card

was denied an extension of credit by continental financial XXXX. I applied for a credit card with Continental financial NO! NO! NO!!!

As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code 1691 ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ).

Continental financial has violated my federally protected consumer rights.

15 U.S Code 1642 15 U.S Code 1681 M 12 CFR 1002 Since the letter that was sent to me dated XXXX XXXX is both proof and evidence that I have been discriminated against, you are also criminally liable. Continental Financial should resort to reasonable procedures to rectify this affair and compensate me for this use of my Securities otherwise dis would be securities fraud since I have no BENEFIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the Fair Credit Reporting Act, I requested the documents on file they used to verify a bankruptcy listed on my report. I also requested the name and number of the person who verified the information as well. They ignored my request and just sent a blanket statement that they or a third party serviced was able to verify it, but did not provide any proof of such actions.
Product: Credit reporting or other personal consumer reports

I filed a complaint against Experian earlier and they responded with general reasons as to why they are refusing to block a account due to identity theft. They removed the original creditor from the the report, but refuse to remove the debt collector for that same account. They provided a few different possible reasons for that. However, I can't respond or send in " proof '' on possible vague reasons. Their reasoning is flawed, If they removed the original creditor and not the subsequent debt buyer that purchased the debt from the original creditor, then why was the original creditor removed, Please read the email they sent me. where they request information to start the investigation and in the same email tell me the request was denied.
Product: Credit reporting or other personal consumer reports

I started receiving some mail related to student debt refinancing ( from XXXX - a firm I have never heard of ) and was suspicious about it since I do not have any student debt. I then checked my FICO credit score and noticed an account that wasn't mine - An open student loan account from XXXX XXXX XXXX  ( phone XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with balance {$53000.00}, 7 year term opened on XX/XX/2021 that appears to have 'Paid Satisfactorily ' Payment History. There is also a previous closed account with the same start date that has a balance of {$0.00}. 

I did not take out this loan ; I was doing a fully funded XXXX  at XXXX at the time and had no need for student loans. 

I called the number listed for XXXX XXXX on the credit report and found it to be a robo-call that said 'you have been selected for a free gift ' and dropped the call ; searching for XXXXXXXX XXXX phone number on XXXX gives me XXXX different phone number XXXX ( ie XXXX order was swapped in the credit report entry ), which appears to belong to XXXX  but will not let me proceed until I enter a phone-number corresponding with my account, which I obviously don't know since I didn't create an account or take out a loan with them. 

I disputed the account on Experian ( the credit reporting company that produces FICO scores ) and am yet to hear back. Looking deeper into the credit report metadata, I found an erroneous mis-spelling of my name : XXXX XXXX XXXX and two addresses in XXXXXXXX XXXX that I have never lived at. I disputed the two erroneous addresses as well and they were promptly removed from my credit report. 
Based on this information, I found a person named XXXX XXXX [ XXXX : XXXX XXXX ], who was a XXXX XXXX at XXXXXXXX XXXX  in XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  It is possible that the loans were taken out by this person and were erroneously attributed to me. 
My name is spelled XXXX ( with a trailing a in my first name ) XXXX and I have never lived in XXXX, NY or interacted with XXXX. I am unsure how this managed to appear on my credit report seeing as they should not have access to my social security number. 

Finally, I also checked my credit report on XXXX and XXXX. Neither have this fraudulant account listed in my credit report. This leads me to suspect that this may have been a record linkage error where a loan granted to a different person got erroneously linked to me. If it is an honest mistake, this points to sloppy actions on XXXX/Experian 's part ; if not, it is outright fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit card or prepaid card

I opened an account with Care Credit on XX/XX/XXXX to pay the balance on a medical bill so I would have more time to pay it so it doesn't go to collections. Approved credit limit is {$1500.00}. I was given the account number over the phone so I paid my doctor 's bill on XX/XX/XXXX and charged the full amount {$1500.00}. On XX/XX/XXXX I get a notification from my XXXX credit monitoring service that my CareCredit account has exceeded its credit limit. 

I called CareCredit to inquire about this on XX/XX/XXXX I was informed that my billing cycle closed on XX/XX/XXXX so the credit protection had been processed and added to the bill and therefore this is why it's showing I'm over my credit limit. I asked how my billing cycle could have already ended on XX/XX/XXXX when the account wasn't opened until XX/XX/XXXX and I didn't actually receive the card and terms and agreements in the mail until XX/XX/XXXX. I was told by a customer service agent and two managers that the billing cycles are assigned to accounts randomly and that there was nothing that could be done to fix this on my credit report. One manager also told me that I agreed to the terms and agreements when I made a charge to the card. I asked her if she could tell me where in the terms and I agreements I could find a statement that tells the consumer that their billing cycle is randomly assigned and could close before they even receive the actual card so be careful of making charges immediately because if you max out your credit and have purcahsed credit protection it will take you over your credit limit and will be reported as such on your credit report. The manager stated to me that I had a valid point and that is not stated anywhere in the terms and agreements but there was still no recourse. I was approved for a {$1500.00} credit limit. The charges showing with the credit protection charges added were {$1500.00}. I asked if they could report my credit limit as {$1500.00} so it will not show asI exceeded my credit limit. I was told the only way to do this was to request a credit limit increase. I told her I did not want another request on my credit and that I initially requested a {$2000.00} credit limit but was only given {$1500.00}. The manger informed me that the credit increase request would be a soft inquiry to my credit report and I gave her permission to proceed with the credit increase request amount for {$1600.00}. The credit increase request was denied. I was told I could cancel the credit protection. I asked if canceling the credit protection would remove the history of the high balance because it will still show that I exceeded my credit limit. I was told that they could not do that either. 

I do not feel that I should have to be forced into having this negative information impacting my credit report when I was not given the appropriate information before hand about the billing practices so I could make an informed decision about when I chose to make a charge to the credit card. I was never informed as to what specific date add-on charges are calculated and added to the account.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this XXXX for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

This complaint is in response to TRANSUNION 'S claim per CFPB Complaint XXXX that was filed in XX/XX/2024 that the late payments were verified by XXXX  XXXX, when I in fact stated that I was not late on the XXXX  XXXX account number : XXXX. Please provide me the information on how you verified the late payments to be accurate with this specific account per 15 USC 1681i ( 7 ) ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Product: Credit card or prepaid card

I have already submitted this complaint ( Complaint Number  XXXX  ), however I am unable to log on to CFPB for status using the email address I have provided. Also, the information on the submitted complaint had one inaccurate information, which I have contacted  Discover to resolve the matter prior to submitting complaint here, and Discover was unable to resolve the matter.   <P/> P rior to opening Discover credit card, I have spoken with a representative/Account representative with Discover a nd confirmed that the balance transfer fee would be 0 % if transferred by  XXXX     2017.  However, when I received the credit card and signed up online for the transfer, it had 3 % fee for balance transfer if transferred by  XXXX     2017. He nce, I 've contacted Discover and the service rep/account rep told me that there was nothing they can do about it because that was what was approved for me. This sounds like bait and switch tactic. I feel mislead.  <P/> P.S. My husband received an offer for 0 % balance transfer fee, which is why I had attempted to  open Discover, and prior to opening credit card with Discover, I have spoken to Discover account  rep for this same offer, which he said yes.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XXXX 2013. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX i called chase to report a dispute. 
It was deniedXX/XX/23. 

I added my police report, & it was denied again by XXXX! XX/XX/23I already reported that my phone was stolen and DID NOT AUTHORIZE this transaction. 

I did NOT benefit in any way from the transaction and I'm only suffering from it. 




IMPORTANT : I PREVIOUSLY HAD A BUSINESS ACCOUNT WITH CHASE THAT WAS CLOSED IN XXXX OF 2023. CLEARLY I AM NOT REFERRING TO THAT ACCOUNT AS THE CLAIM DATES START IN XXXX! 

I HAVE A PERSONAL ACCOUNT THAT IS CURRENTLY STILL OPEN AND THAT IS WHAT ACCOUNT IM REFERRING TO.. 

THE ORIGINAL DISPUTE CLAIM I FILED WITH CHASE ON XX/XX/23 IS NOT GOING TO BE OPEN SIMPLY BECAUSE XXXX JUST REFUSES TO REOPEN IT.
Product: Debt collection

Refusal by Macy 's and representative Citibank to provide sufficient information to allow debt repayment. 

I have been attempting to make arrangements for payment of a debt I owe through XXXX Debt Consolidation Agency. Macy 's has changed their account number system and has rejected all proposals because of either " not enough information '' or " invalid Account Number ''. I am attaching the denial notices issued to XXXX. 

I am unable to reach Macy 's Credit Department, serviced through Citibank to obtain sufficient information to either make arrangements to pay this debt or for XXXX XXXX to submit a letter of proposal. The offices are only open from XXXX - XXXX and every time I call, I am disconnected. ( See attached for further explanation )