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

- The FTC site says that I can go to XXXX to download my credit reports from XXXX, XXXX, and TransUnion. I did that for all 3 agencies.

- There was incorrect information on all 3 reports. I called up each agency and they told me that they have different information and that XXXX does not have the latest credit reports. The wrong information on the reports from XXXX has been on those reports for years. 
- I do not want to have to create an account with these 3 agencies just to download my credit reports, but all 3 told me that I have to do that to get the reports with the real and accurate information. I understood that by law I should be able to download my credit reports.

- I also don't want to spend hours calling the 3 agencies to get my credit report.

- In addition, I don't know which version of my credit reports are being communicated to those that are checking my credit. There should only be one official version of my credit report not multiple versions. How do I know that companies are getting the right version of my credit report if there are multiple versions on the agency 's sites vs. XXXX?
Product: Credit card

I was forced to purchase tickets I could not use to go to XXXX XXXX. I complained to my credit card company about the charge. XXXX XXXX lied to Bank of America and said I used the ticket but they actually issued me another ticket to use in XXXX, instead of giving me a refund. They are holding onto my money. I would have to buy new plane tickets, and get a new hotel room, to be able to use these tickets. I want a refund not complimentary tickets to use in XXXX. Bank of America thinks its ok for me to not get a refund. Then they called me and said they will take care of my complaint and they gave me a number to call and a person to talk to. That person does not return phone calls or answer the phone. The number goes straight to voicemail. Her name is XXXX she works at Bank of America her number is XXXX ext XXXX. 

The transaction date is XX/XX/XXXX the posting date is XX/XX/XXXX the reference number is XXXX. The amount is for XXXX This is the new ticket they gave me after I flew back to XXXX from Florida in XX/XX/XXXX. 

Dates Valid XX/XX/XXXX thru XX/XX/XXXX Order Number Order Date XXXX XX/XX/XXXX XXXX Contact Person Guest Contact Details Guest XXXX XXXX Product Guest Name XXXX XXXX Ticket Guest XXXX XXXX XXXX Ticket Guest XXXX XXXX XXXX XXXX Dining Ticket Guest XXXX XXXX XXXX XXXX Dining Ticket Guest XXXX
Product: Student loan

I have applied for income-based repayment ( in XX/XX/year> ), Mohela has been processing the request for months. They keep taking me out of forbearance and trying to make me repay based on the XXXX repayment, when I should remain in forbearance until they process my application for income-based repayment. I have completed all paperwork to qualify as a XXXX XXXX. Mohela is unfairly billing me for their slowness in processing my application.
Product: Credit reporting or other personal consumer reports

this is my 2nd dipute to the cra 's about reporting inaccurate and incomplete information on my credit report, i sent my 1st set of letters off on XXXX, and my last set of letters was sent on XXXX and neither of them has investigated any of the inaccurate information that i am disputed and i am requesting for deleting of the items and compensation for pain and suffering
Product: Debt collection

I had XXXX phone service for approximately 3 years without ever late. I call XXXX to cancel my service with them on XX/XX/17. When I called I ask the rep how much I need to pay to cancel my service. The rep ask me why I wanted to cancel the service and I explain that I experience a lot of drop calls and that's the reason why am moving my services. he then put me on hold and came back and said I need to pay two separate payment to cancel the service. I proceed to ask why do I need to make two separate payments. he then say that I have to pay the last bill and that they also bill me in advance. I when ahead a make the first payment for {$400.00} and the another for {$180.00}. I was told that was my final bill and I didn't owe anything else. Since I never receive a bill from XXXX or a call from XXXX to say I owe anything else. Low and behold about 2 week ago a collection agencies my the name Diversified a pairs on my credit report. I never was notify by this collection agency prior to placing this item on my credit report. I believe the law states that I should be notify in writing and and allow 30days to respond to the collection agency/creditor to whether I am disputing the item in question. Again neither XXXX nor Diversified never attempt to follow the law. I am request that this Item be remove from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX of XXXX my vehicle was stolen with my wallet being inside wich lead the perpetrator to identity theft & later wrecking my vehicle before being in police custody. 
On XXXX. XXXX. XXXX the defendant plead guilty to misdemeanor theft, evading police, property theft and damage under XXXX. 
I am submitting indictment court issued documents.
Product: Credit reporting or other personal consumer reports

UNKNOWN INQUIRIESIN MY ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXXPortfolio Recovery received my letter to cease all communication and attempts to collect on a debt that I disputed. But they continued to contact me ( I have proof attached ). This company continued to send me mail regarding this fraudulent account This is a violation of 15 U.S. Code 1692c ( c ) Ceasing communication. I also never gave this company prior consent to contact me This is another violation of 15 U.S. Code 1692c ( a ) Communication with the consumer generally. The FDCPA clearly states -Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They are also in violation of 15 U.S. Code 1692b - Acquisition of location information Every month in XXXX and also XXXX Portfolio Recovery has continued to send letters in the mail claiming that I owe a debt that was never validated. Under 15 U.S. Code 1692b ( 3 ) the FDCPA clearly states not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information. This company reported this negative information on my credit report and this has caused me to be denied property. This has caused me and my family financial damages due to being denied. This makes Portfolio recovery liable for actual damages under 15 U.S. Code 1692k- ( a ) Civil liability ( a ) any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;
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. 
XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau, I am filing this complaint regarding inaccurate items reported on my credit file by XXXX. At the beginning of XX/XX/2024, I discovered that I was a victim of identity theft. On XXXX, 2024, I filed an FTC Identity Theft Report to document the fraudulent activity. Subsequently, on XX/XX/2024, I created multiple disputes with XXXX under the identity theft reporting process, providing all necessary supporting documentation. 

Despite these efforts, the inaccurate items remain unresolved. The credit reporting agency has failed to act in compliance with their obligations under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 605B, credit reporting agencies are required to block information resulting from identity theft within 4 business days after receiving proof of identity theft. Additionally, the FCRA mandates that credit reporting agencies must either verify disputed information as accurate or remove it promptly if they can not substantiate it. As of XX/XX/2024 XXXX has failed to comply with these requirements. 

This delay is causing undue hardship and potential harm to my creditworthiness. I am seeking your assistance in holding XXXX accountable for their noncompliance with federal law. Specifically, I request that the inaccurate items on my credit report be removed immediately and that XXXX comply with the FCRAs requirements to address disputes and identity theft claims promptly. 

Thank you for your time and attention to this matter. Please let me know if additional details or documentation are required to assist in resolving this issue.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX  on XX/XX/XXXX with a balance of {$14000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

I applied for credit and was told by XXXX XXXX that my credit score was XXXX on XXXX XXXX, 2016 and that is not true, How should Equifax correct this error with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to dispute these medical bills 7 times in the past 2 years. For 4 years Ive recieved state food and health benefits because my mom is XXXX and i am also unemployed.. my XXXX XXXX XXXX XXXX insurance covers the treatment i recieved on ALL the bills associated with XXXX. These negative inquiries on my report have been invalid for years. The poor credit score im condemned to, is a misrepresentation of me and my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed I had late payments on accounts that I was never late on. Consumer Reporting Agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate and provide proof with statements showing that these were late. 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 15 USC 1681. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts and delete the following late payments from my report XXXX, Equifax and XXXX Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. Even after uploading proof should be deleted, they still remain on the bureau illegally. 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts on my credit profile is being reported and my credit was stolen and used I need these accounts deleted from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts and inquiries on my credit report with all 3 credit bureaus well over 60 days ago. I've also made this complaint known with the CFPB but they too have said that the investigation is still in process. The time limit that has been given to the bureaus to investigate has been sufficient enough and is now illegal. I am hoping to get this situation resolved and the items removed from my credit report immediately without having to take further legal actions. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold a townhouse and purchased a condominium on XX/XX/XXXX. Only the condominium was financed through XXXX XXXX  XXXX Mortgage. 

In XX/XX/XXXX XXXX XXXX XXXX Mortgage erroneously paid property taxes on the townhouse I had previously owned. This put my escrow account in the negative. It appears that they didn't figure this out until XX/XX/XXXX. Since then I've been charged penalties, late fees and received certified letters threatening 'additional action '. 

I have called customer service about 24 times to discuss this. As the arrearage was not due to an error on my part, I disputed their assertion that I needed to pay for their error. 

I've talked to actual customer service personnel ( in the Escrow department ) a dozen times and have been promised a resolution by their specified date each time. 

They have currently fixed the underlying issue about their error paying property taxes for property I do not own, but not the effects of that error. As you can imagine, my Credit Scores have fallen 150-200 points. I called 'customer service ' again today because their online system now says that my loan balance is {$0.00}. I'm blocked from viewing any details because of the status of my account. Customer service didn't answer but I was given the option for them to call me back within 15 minutes. It's been an hour and they have not responded. 

I'm sending them an Error Resolution Notice under 12 C.F.R. 1024.35 via certified mail today but I have little faith that they will correct the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Orig Creditor : XXXX XXXX  ) XXXX XXXX XXXX -XXXXXXXXXXXXX****
Product: Credit card or prepaid card

On XX/XX/XXXX, a thief used my credit card information to make two unauthorized cash withdrawals at a horse track in Connecticut. This person withdrew {$260.00} and {$310.00}. 

When I noticed these charges, I phoned Citibank  and asked that the two charges be removed. They said they would, and they did. 

When I received my XX/XX/XXXX paper statement, I noticed several new charges. I now had a {$41.00} transaction fee and a {$9.00} interest charge. More importantly, Citibank reversed my dispute and reinstated the {$260.00} charge. 

To preserve my rights, I wrote Citibank on XX/XX/XXXX about my concerns ( see the attachment ). I mailed the letter to Citibank, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. My letter was never returned to me, though it was never acknowledged by Citibank. In the letter, I included a copy of my paper statement and my request that the reversed {$260.00} charge be removed, along with the transaction fee and interest charge. 

On XX/XX/XXXX, I received a new statement with an additional {$3.00} interest charge. 

I phoned Citibank on XX/XX/XXXX, and XX/XX/XXXX. Both times the representative said they would look into the issue, but nothing happened. They never offered a conditional credit. 

On XX/XX/XXXX I spoke with a supervisor who said that he noticed irregularities in the charges and that he would ask for a full audit. He said it would take 5-7 business days to complete the audit and an additional 1-3 days for a credit to show up on my account. He said the results would be on my next billing statement. 

When I received my next paper bill on XX/XX/XXXX, nothing had changed. I phoned Citibank ( XXXX ) at XXXX ET. I was placed on hold until the system hung up on me at XXXX. I immediately phoned back and was placed on hold again. I hung up at XXXX out of frustration. 

I am now reaching out to you for help. I would like a refund of {$260.00} for the Reverse XXXX  XXXX  charge. Additionally, I would like a refund for the interest charge ( {$13.00} ) and for the transaction fee ( {$13.00} ). In total, I am due a refund of {$280.00}. 

Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX / XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States Have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a XXXX XXXX can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Over the past XXXX months I have submitted certified letters disputing the account information reporting of my credit file regarding the credit Item : XXXX. XXXX XXXX XXXX XXXX # XXXX. All three CRA is reporting different information and all three CRA keep telling me that they verified the account information even thought all are reporting conflicting information. The accuracy and completeness is in violation of FCRA Laws : For example 1.Date open different on all CRA XXXX, XXXX XXXX XXXX. Date of last payment is different on al CRA XX/XX/XXXX, XX/XX/XXXX XXXX. Date of last late payment is different on all CRA XX/XX/XXXX, XX/XX/XXXX. 
Account balance is different on all CRA XXXX XXXX XXXX XXXX. Date account was closed is different on all CRA XXXX, XXXX, XXXX XXXX  # XXXX XXXX report : Medical Bill Last payment date : XX/XX/XXXX Last late payment : XX/XX/XXXX Balance : {$XXXX} Date Open : XX/XX/XXXX Date Closed : XX/XX/XXXX XXXX # XXXX TRANSUNION report : Medical Bill Last payment date : XX/XX/XXXX Last late payment : XX/XX/XXXX Balance : {$XXXX} Date Open : XX/XX/XXXX DATE Closed : XX/XX/XXXX Citadel # XXXX XXXX report : Medical Bill Last payment date : XX/XX/XXXX Last late payment : XX/XX/XXXX Balance : {$XXXX} Date Open : XX/XX/XXXX date closed : XX/XX/XXXX All three CRA is reporting different information on the same account and I have be disputing for months and every month each one responded that they have verified the information. 

I have documented all disputes and responded for XXXX months to use a exhibits to prove in my FCRA claim of the reporting violations and damages this inaccurate reporting have caused to my credit score. 

The accuracy and completeness in credit reporting is the standard. I continuously on a monthly basis disputed this inaccuracies and the CRA willfully and negligently doubled down on telling me in writing that the have verified the account to be complete and accurate.
Product: Credit reporting 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 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my credit report and noticed inquiries I didnt recognize one from XXXX XXXX One from XXXX XXXX from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act has violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, US DEPARTMENT OF EDUCATION XXXX  15 USC 1681 Section 602 A 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 a account without my written instructions.
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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX Balanced {$310.00} XXXX XXXXXXXX Balanced {$1800.00} XXXX XXXX XXXX Balanced {$990.00} XXXX XXXX XXXX Balanced {$58000.00}