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

I have reached out to the credit bureaus, XXXX, XXXX, XXXX asking them to please investigate and send me an update. Have not received a response. 


Inquiries : Name Requested 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 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 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 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 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, credit repair services, or other personal consumer reports

i XXXX XXXX XXXX XXXX have reported fraud with the credit bureaus XXXX  XXXX transunion about my report and information on it. they will not help me with fighting these errors and accounts on my report and to clear them up/ they leave them the same status and will not delete them or change status meaning the accounts that have been paid are still showing derogatory status and hurting my credit score. XXXX XXXX  on my credit file is fraudulent from the XXXX XXXX department of welfare. they frauduaently put XXXX XXXX on my credit report from when my ex wife XXXX my kids back in 2010 and since have continued to harass me and hinder me from getting any sort of loans or a house due to them lying and siding with my ex wife as well as them signing my name on court documents that is forgery and purgery in a court of law. they know this. ive asked them many times as well the bureaus to remove this as well as disputed it many times and they keep coming back with no change.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>XXXX XXXX XXXX credit card reduced my credit limit by XXXX to XXXX because the unauthorized check my credit based their decision on upgrade credit card report and XXXX XXXX credit card reportXXXX XXXX has also reduced my credit limit which also has played a part in discussions with other creditors regarding XXXX XXXX XXXX XXXX. All my cards are decreasing my limits base on this sharing of information I did not authorized .while fighting unauthorized charges my credit score and reputation has decreased significantly. My information has been shared and now I received thousands of calls a week with people trying to verify my identity.The calls has massive increase of anybodies with my information. My information was found on dark web etc. My information has been shared to companies Ive never authorized or know of due to sharing of data and personal information.
Product: Credit reporting or other personal consumer reports

I mailed a dispute letter to XXXX on XX/XX/XXXX and never received a response within the 30 day time frame. I called XXXX on XX/XX/XXXX, well over 30 days, and they told me over the phone the status of the investigation. I also demanded that they remove the items on my credit report because I never got a response or a status update of the investigation, and by law they are required to remove these items. I was talking to the agent and asked her questions as to why they refuse remove the items and she was not clear with her answers and continued to refuse my request. She eventually said that a manager will call me, I have not received a call. 

I also called Experian, and they also refused to remove items from my credit report. They claimed that they have not received any documents, even though I sent the documents via certified mail. The agent tried to tell me that I sent it to the wrong address, even though the address on the website is the address I sent to for disputes. The addresses she tried to tell me are not on the website.
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 confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX ( debt buyer ) Account # XXXX, 15 U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's 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 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. Only have one home address, all other address on report are wrong.
Product: Credit card

My name is XXXX ; XXXX . The Agent for principal XXXX XXXX. On XX/XX/2023, a application was submitted for a credit card and a tender for collateral was received by your bank on behalf of the Principal. A adverse letter was sent saying the application was denied. So the question now, is where is the collateral your bank received? Because that security collateral has value equal to the amount applied for of the application. Please be advised, I am aware this is securities fraud. This has been a ongoing investigation for over 30 days. I trust that you will correct the wrongdoings of the unknown employee of your financial institution who took it upon themselves to defraud the securities. Please respond to this complaint with your name, job title and how long you have been working for US Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2023 Re : Removal of Incorrect Items from Credit Report ( More than 30 days have passed ) To Whom It May Concern : On XX/XX/2023, I sent you a request to reinvestigate incorrect items which were listed in my credit history report. 

XXXX XXXX XXXX I am enclosing a photocopy of that original request. The Fair Credit Reporting Act requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days. 

I will assume that I have not received your reply because you have been unable to verify this information. Please remove this incorrect information at once and send me an updated copy of my credit history report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you time and help in this matter. I have also sent a copy of this letter to the Federal Trade Commission. 

Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This written communication consitutes Chexsystems and due process notice of the compromising of my credit card as defined under 15 USC 1602 ( l ) a/k/a social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint, my local police which both are attached herewith. Summary of rights of identity theft victim Pursuant to 15 USC 1681g ( e ) ( 11 ) Definition of victim, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime. Pursuant to 15 USC 1681g ( e ) ( 1 ) ( B ) I am a victim of identity theft. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of Following : XXXX XXXX XXXX, Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX  days of receipt of this letter then you must remove these accounts from my credit report.
Product: Mortgage

I am writing to lodge a formal complaint fordeceptive, possibly fraudulentpractices byBay Equity mortgage brokerage.I was bait and switchedwith my pre-payment penalty which may cause a ~ {$50000.00} loss to me. Only at closing was a new provisionwitha large pre-paymentpenalty added to my loan offer. I have a screengrab of my correct loan offer from my Bay Equity loan officer/sales manager XXXX XXXX that shows the option I chose for my loan which explicitly states 'no ' under the pre-payment penalty portion. I approved this with XXXX XXXX over the phone. 
Unfortunately other paper trails are difficult to obtain, they may do so intentionally, they are not in my online portal and they refuse to provide the full versions. Luckily I made a screenshot of the outline of the options, without this I would have no proof of what I discussed verbally on the phone which was an option with no pre-payment penalty, as I knew that rates were widelyexpected to go down. When I requested the documents showing what my offer was, ie a full version of the screengrab I had taken, XXXX XXXX stonewalled me in emails and refused to provide them/ deliberately obfuscated my questions. I told him I would need to escalate. I did so in XXXX messages to superiors and then through the customer care form on teh website, where I was again not provided the documents, my request ignored, and referred to the loan issuer XXXX, although it was a bay equity employee that offered me the deal I agreed to.I can send this screengrab along with the clause from my closed mortgage that doesn't match via email ( can not attach here ). One can see from that screengrab that my mortgage matches the other terms exclusive to the option I selected, such as the interest rate, and that that option says no pre-payment penalty. I was not informed of this change at or prior to closing, which was time sensitive due to negotiations around the property. Since they are a broker I assume they will not be able to remedy this large mistake, and clearly they are not taking responsibility for it. They need some kind of penalty so they don't continue these deceptive practices against others. if I weren't fortunate enough to have taken the screen grab I would have no proof of this, they would likely say I was confused about the prepayment option. Others are probably not so fortunate as to have that, although without a lawsuit I doubt it will be remedied.
Product: Debt collection

I have made attempts to satisfy the Debt COllectors request, however, I keep getting a letter saying debt not satisfied. 

Attached you will find a letter - showing i sent payment info as requested and then I still receive a letter asking for payment.
Product: Credit card

To start, even though I've submitted a similar dispute for some of these charges, I did not include them all, or more have come back on me since first disputing it with you. 

At this point I have every right to complain to the CFPB and hope to get your help getting my stolen ~ {$27000.00} back. I have done everything I can do sort of taking them to court... I disputed the charges as fraud and I received temporary credits at first, but a month or two later they came back and recharged me for these charges, and they continue to charge me interest monthly on the balances.. They also closed both of the credit cards involved.. 

I went to the police and reported the theft.. I reported every single charge to them, who the merchant is that's listed, and how the bank in question ( Navy Federal Credit Union ) refuses to give me my money back... 


I will attach the XXXX dispute forms that has the police report information also on it... 
These reports contain the account numbers of both accounts too, with all the charges and interest listed. I've even sent them this and told them about the police report and they just don't care and keep saying I made these charges. 

Even a experienced fraudster/theif would be able to spoof themselves as me in whichever way needed to make the purchases. They could've used pictures of me, pictures of my ID, my email and phone number. I really don't know the length of which my identity was stolen and used fraudulently... I have tried everything, and this is a lot of money that I'm not willing to just eat... I need my money back... NFCU is stealing from me at this point. I've done everything to prove that It's not me and I was not the one who did these charges. They can't just DECIDE to keep the money and say it's justified, while NEVER providing me with any documentation or whatever they used to come to this decision... I need help
Product: Debt collection

They stated that XXXX XXXX apartments money for moving out which was about {$3000.00} I told him that that had been written off by the apartment complex and that they were trying to collect a debt that had been resolved and written off
Product: Credit reporting, credit repair services, or other personal consumer reports

MY  U.S.BANK FLEX P ERKS MASTER CARD IS NOT REPORTING ON  XXXX . THE BANK IS PERMITTING  XXXX  TO BLOCK ME IN VIOLATION OF THE DODD-FRANK ACT.     THE BANK HAS 15 DAYS TO RE-INSERT ALL ACCOUNT BACK INTO   XXXX    DATABASE OR BE SUED IN CLASS ACTION EFFORTS.      SHOLD U.S. BANK FAILES MU ST CEASE AND DESIST ALL CREDIT REPORTING.     DISCHARGE ALL DEBT BY  XXXX
Product: Debt collection

In XX/XX/2017 I found out this company had a lien against my name, I attempted to contact the company and the company went out of business. I had no way of getting intouch with them to verify this debt. Today XX/XX/2018 my old employer received certified mail with a threat to put a Judgement on this business. This is NOT my debt and I demand for them to proof this debt.
Product: Debt collection

* Penn Credit ( XXXX, PA ) is attempting to collect a debt for State of California Storm Water Resources Board for {$1600.00}. 

* No money is owed because our facility was no longer required to file with the State of CA for an annual permit for storm water compliance. 

* A Notice of Termination '' was filed and mailed to the State of CA in XXXX, CA on XX/XX/XXXX. 

* XXXX XXXX ( of the State of CA Storm Water ) confirmed via email on XX/XX/XXXX the receipt of " Notice of Termination ''. His contact information is XXXX. And his telephone number is XXXX XXXX XXXX XXXX. 

* Penn Credit began collection attempts in XXXX XXXX XX/XX/XXXX : I contacted Penn Credit on with all the pertinent information to dismiss the debt. 

* XX/XX/XXXX : I contacted Penn Credit on with all the pertinent information to dismiss the debt. 

* Penn Credit contacted us via mail regarding the debt with a letter dated XX/XX/XXXX. 

* XX/XX/XXXX : I contacted Penn Credit via telephone, fax and email with the same information previously provided to Penn Credit on XX/XX/XXXX and XX/XX/XXXX. 

* Penn Credit is creative in changing their " Penn Credit ID reference number '' to create a new debt cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request that the following inaccurate items be immediately investigated. They must be removed to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within thirty days. 
ALL MY PERSONAL INFORMATION WAS COMPROMISED AND THESE INFORMATION INCLUDE PHONE NUMBERS ADDRESSES PUBLIC RECORDS AND ARE UNDER DISPUTE WITH CREDIT BUREUS XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX THE REST OF THE INFORMATION IS ON FTC REPORT THAT I ATTACHED
Product: Checking or savings account

XX/XX/year> I made an appt to meet face to face in the bank office about my account as I had multiple charges to dispute as well as an imposter scam. After the 1st call, and submitting/discussing all the claims, I didn't feel right and had a lot of questions as far as how they could make decisions with the little information he asked. Fortunately, the lady helping called back, and when the next rep looked up my information there was NOT ONE dispute claim filled from the call we just hung up from. So, had to go through it alllll again. They did not offer any help, assistance with the imposter scam nor would they dispute any of the XXXX payments. In the meantime, even when specifically requested, I have not received any letters in the mail or the app ( which they keep telling that is where they are ) about the disputes. For one of the disputes I was asked to submit a contract and receipt. After reaching out to the company ( again ), they stated that they do not have a receipt and they do not provide a contract. This is for {$5500.00} plus an additional {$870.00} in over charges. After talking to XXXX 's claims dept again tonight to let them know this information, they have said that since I can not provide a receipt they will do a charge-back. However, under the FTC guidelines, this business has violated 5 reasons to dispute
Product: Credit card

b'In Dec XXXX I took advantage of a Home Depot deal to get a discount on a purchase by opening a credit card. HD took info and a copy of my drivers license. I never received a card and in XXXX XXXX I was notified my credit score had dropped due to non payment of my card. In going to Home Depot I found that the address they had  was in Laguna Woods and that is where the statements and card went. Not my address.\nI have never lived in Laguna Woods. I have lived at my current address since 1984 and my drivers license has the correct address.\n\nHome depot is now offering a 0% interest for 2 years on a Kitchen redo which I want to take advantage of  , however my application was denied  for "Our records show an account previously closed by Citi"\nFurther the letter states that the credit decision was based ,in whole or in part , on information obtained in a report .... from Equifax.\nI obtained the Equifax reoport which shows a credit rating of 800..\nI also have a Citi Costco card for 25 plus years which has an good credit score.\n\nI have called both Citi  and Home Depot at XXXX XXXX XXXX and cannot get any info as to why I was denied.\nThe project for my home is priced at $46K and I own my home approx 1.5MM .\nCan you help and get me an explanation of why I was denied and appeal this decision.\n\nThank You \nJohn Repshas'
Product: Debt collection

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT  NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Product: Mortgage

During hardship of XXXX Requested decrease in mortgage payments. When closing XX/XX/XXXX, expecting a payout of XXXX, instead received XXXX. Please review attachments. Requesting calculations of amount of second mortgage totaling XXXX. Modification trail was 3 months and continued until closing.
Product: Credit reporting or other personal consumer reports

I applied for a XXXX XXXX credit card and was approved. It is to the best of my knowledge that Equifax has not reported this new account on my credit report. XXXX XXXX has confirmed that they have indeed reported it to all the credit bureaus. It is reporting on my XXXX report, and my XXXX report. Why isn't Equifax acknowledging my new account with XXXX XXXX? Equifax rushes to report adverse information, but when a new account is reported they simply ignore it? I have even already made my first payment on this account. My next payment is due the XXXX of next month. At this point it feels like Equifax is retaliating against me.
Product: Debt collection

I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX  bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.