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

I submitted an application to refinance my vehicle. The application was approved but when attempting to open a corresponding checking account with the bank they advised that Equifax had an alert on my credit and would not release the report. I called Equifax and they advised that they removed the alert. The bank check and still could not obtain my report. I called Equifax 3 more times and they advised an alert was still on the the file and I need to send in documents to verify my identity. I sent in the documents and they still will not release my report. I have called a total of 6 times and speak with different people with no progression towards a resolution. At this point the application has gone stale which will require them to pull my credit again causing more inquiries and dings to my credit score when/if my report gets released.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/24 ) i'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Mortgage

I refinanced my mortgage in XXXX, I was instructed to issue a cashier 's check to escrow my taxes with a well known title agent I knew from my hometown who fabricated false documents including a false affidavit stating that I was born in XXXX while signing another man 's name ( XXXX XXXX ) After I showed and proved all documentation of how fraud was committed on my behalf they all closed down XXXX title companies and all XXXX funding locations to avoid me because they could not be as successful like I was here in NJ until they ruined this causing me to forfeit my retirement home and became XXXX after being told by XXXX XXXX XXXX and then nailed the same individual trying to scam XXXX XXXX customers ...... Justice is coming!! The CFPB recently sued the company where my loan got transferred to with multiple errors including XXXX different closing cost and a shared DECEASED Identity with a similar name as mine but spelled with a U ... ..They hire a title agent to conduct this fraud activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX bank account # XXXX that's reporting on my credit report has inaccuracies that makes this report invalid ... date last active transunion XX/XX/XXXX XXXX  XX/XX/XXXX / XXXX XX/XX/XXXX... 
DELETE THIS INACCURATE DERAGATORY REPORT THATS HURTING MY CREDIT REPORT...
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 XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$750.00} 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 XXXX 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 XXXX 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 or other personal consumer reports

I am writing to address the serious issue of a fraudulent account present on my credit report. It has come to my attention that there is an account listed under my name that I have not authorized nor have any association with. This is a significant error on your part, and I insist on its immediate removal from my credit report. I have submitted the required FTC report to the company associated with this account and they have already removed this from their records. Furthermore, other credit bureaus also deleted this account after receiving the supporting documents, The inclusion of this fraudulent account is not only unjust but also severely damaging to my financial reputation. It is entirely unacceptable that such an error exists on my credit report, and I will not tolerate any further negligence on your part. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

The HSBC bank every year rolls a promotion for new customers with bonus offer for opening Checking and savings account with new funds. I applied for advanced checking account by XX/XX/2019. My application was approved and money were funded to this account from my XXXX XXXX   account. {$10000.00} were charged by authorizing transfer from bank account with XXXX XXXX. So by XX/XX/XXXX the online account was opened. 

The applicant was to open a savings account to be linked and related to checking. The Bank, how ever, asked to get documents uploaded to confirm account address and State IDs. 

I was told that they had not received what was required to activate the account. I received e mails from Fraud Prevention department to comply their inquiry. It was online account and there was no local bank branch to where I can approach. My efforts to reconcile failed.After six months, I made trip to New York to visit the Branch officer. 

The officers were unconcerned. I provided documents and requested to upload to the fraud department. A month after, my visit to same branch, I found no progress. I was, how ever, told that I can withdraw funds and close the account. 

I, was helped at tellers. I was given a check for full amount. I was told that the branch can't close the account since it was online account. I had to close online. 

I started getting monthly fees for balance below required minimum in checking account. 
I am getting several notices for overdraft and penalties in monthly statement in mail. 

I was to get bonus of {$350.00} for new checking and savings account. I wrote to bank about this in emails. My requests were just ignored. 

I was never given opportunity for savings account after checking account was approved. 

I have come to find that several others were also complaining about Bank in various sites on media. 

Thanks. 

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

XXXX XXXX XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX Unverified Account On XX/XX/2022 the following was mailed to all credit beaus FCRA 623 ( a ) ( 7 ) Negative Information Police Report ID Theft Affidavit
Product: Debt collection

Dear Creditor/Debt Collector, Please see the attached creditor letter from the XXXX  that I received today of Friday, XX/XX/year>. I am forwarding it to you as additional information regarding my unfortunate situation that occurred last year for your understanding and consideration. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called to request a new service from XXXX. But, on XX/XX/XXXX I called to cancel the order since I did not recieve the product. Months later, around XXXX, XXXX, it appeared as a delinquent account with a balance of {$97.00}. On XX/XX/XXXX, I called to solve the issue directly with XXXX. It appeared on their notes that I did called to cancel the order, but they did not do it. Nevertheless, they adjusted the balance to XXXX  and notified the undisclosed ( to me ) collection agency. 
The account was pulled out from my credit report, but a year later ( XX/XX/XXXX ) it appeared again as a derogatory account. I filed a dispute with Transunion and before the 30-days investigation period ended and without notification, they closed the dispute and did not solve the problem. They did not inform me of this action. On XX/XX/XXXX, I called Transunion to see what happened but they only said I had to file another dispute, which I did. 
After many calls and tries to XXXX to find the account and any information to supplement the dispute, on XX/XX/XXXX I finally got an answer. The account was archived so that is why it never showed up on calls. The information I was given is as follows : the account was fully cancelled on XX/XX/XXXX, that the balance was adjusted to {$0.00} and that it was reported to the collection agencies, and that the collections agency should have reported this in at least 90 days. But a year after, they reported it as derogatory. There is nothing XXXX can do according to the call since they reported it and it's the collection agency 's fault. But I was not informed which collection agency or how to contact it, and that they canno provide any deletion letter or any other documentation since the account is archived. 
The only thing left is to file complaints and supply letters with information I have collected through this year as evidence. This process has already affected me emotionally and economically since I was denied personal loans offers by two companies and can not apply to others with credit score minimum requirements
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act ( Self lender_XXXX ) XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 section. 604 A section 2 : its also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
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 XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I submitted a complaint here bc I had been working to have XXXX, XXXX and TransUnion correct a few errors on my credit report for over a year. None of the bureaus sent the requested proof from the investigation that they claimed to have done. The accounts was removed from my account on XX/XX/XXXX. However, this same account ( XXXX XXXX XXXX ) has reappeared on my credit report as of XX/XX/XXXX. XXXX has this account reported twice on my credit : one in the amount of {$210.00} and another one that shows {$130.00}. TransUnion and XXXX  have this account in the amount of {$130.00} as a collections account. 

As stated in my initial complaint on XX/XX/2017, I do NOT owe any collections to XXXX XXXX XXXX. I am still an XXXX XXXX XXXX customer and have been for over 11 years. 

I have contacted all three bureaus asking for the same proof of these collections accounts and I've yet to receive it. These bureaus are allowing bogus collection companies to put erroneous information back onto my credit profile AFTER it's been established that it is not a valid debt that I owe.
Product: Credit reporting

Equifax , XXXX and XXXX are reporting an account that does not belong to me from New York Federal Court. I sent a letter ( image is attached ) to the data furnisher that has been returned as undeliverable. 
The reported information is inaccurate & needs to be removed. Here is proof the information reported is wrong by the returned addressed envelope.
Product: Payday loan, title loan, personal loan, or advance loan

Interest and fees are too high and so is the pay back amount. I have lost so much money and even my bank account has gone negative numerous times due to the high cost of this loan. I dont have the option to manually pay so the payments automatically come out. I am past due on an amount of XXXX but I owe them XXXX. It is too costly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Product: Debt collection

Was pressured into making an arrangement on an account, and was not given the option to dispute the debt. Creditor used an unknown number that didn't leave voicemails, and couldn't look up the number for validation. And I never received a letter in mail about debt or ability to dispute the debt because I have never felt the debt was fair. Was told creditor wanted me to make a payment within 7-14 days after contact, and would not accept a further out date that was good for me, so I had to make up a date that I know wouldn't work just to make sure no one comes after me. Colllector informed me, another company that owns the debt will not stop until they get the debt, and the statue of limitations is almost up, giving me a fear that that would sue me immeditely, so i called back a day later and made a arrangement because i just started a job thursday after being laid off for 2 years because of the pandemic. I called back and cancelled the agreement 2 hours later, because I felt it was a scam and a trick, and I was right. 

Called XX/XX/24 was trying to collect {$11000.00}
Product: Credit card

I am currently being charged 36.00 % APY from this credit card company which is simply ludacris. I am not sure how much higher they are permitted by the law in their state but I would like it reviewed. It appears these credit card companies, XXXX and XXXX, are now charging their customer outrageous interest rates. If I wanted a PAYDAY Loan, I would've applied for one. These companies should not be able to charge such outrageous rates by law. I work for the largest bank in my state and we don't charge these ridiculous rates. I also have other credit cards such as XXXX XXXX and they don't even impose these types of ridiculous charges. Something must be done to prevent it going any higher as the entire country can't afford housing, groceries, utility bills. They are not trying to assist anyone but themselves.
Product: Debt collection

I continue to receive " or else '' threatening phone calls from this company. In the voicemails I receive, the man barks at me and demands that I call before XXXX because the issue has become time sensitive and action is pending.
Product: Debt collection

I was a patient at XXXX XXXX of Indiana over two years and was diagnosed with XXXX  XXXX XXXX  which means XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Apparently, I was asked to sign something that I consented to be classified as a patient under observation. I don't remember signing this form. Later I found when looking at billing statements that I had indeed been classified as under observation and had not been admitted to the hospital. Even though I was in a hospital room for over 24 hours After I researched this I found that the hospital can charge three times the amount that I would have paid if I was simply admitted to the hospital. I would have never agreed to this but the hospital took advantage of my situation and had me sign something when my husband was not in my hospital room. 

Since my insurance company has already paid over {$16000.00} for my stay I don't believe I should be charged {$3100.00}, I dispute this bill for obvious reasons that I signed something which I never would have signed if XXXX XXXX XXXX XXXX XXXX XXXX, I dispute this entire amount and my next step will be to contact my insurance and file a claim stating that this is a case of insurance fraud as committed by the hospital. The bill is now in the possession of an aggressive and unscrupulous debt collector who will file a judgment against me, ruining my credit and will not give me time to pay anything I owe. They will also garnish my wages over a bill that I do not owe. I request that all collection cease and the bill be rescinded by the hospital with an explanation to my insurance company about overcharges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following creditors ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) have violated my rights under 15 USC 1681 section 602 : states I have the right to privacy.

15 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit XXXXplan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being charged for something and it is fraudulent! I have NEVER had XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX, Minnesota XXXX phone ( XXXX ) XXXX The amount is for {$710.00}. It does not have the dates the account was supposedly opened. 

Please remove this as soon as possible.
Product: Payday loan, title loan, or personal loan

I was charged an origination fee that was not disclosed before the loan was made.
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 15 USC 1681. 

XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX IN # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF EDXXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  # XXXX has 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 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 t

han 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 or other personal consumer reports

I submitted dispute for inquiries these companies removed the inquiries then added them back. I have not requested credit recently and inquiries need to be removed they also refused to respond to XXXX of my certified letters in the past 3 months
Product: Debt collection

I paid a settlement payment through my bank for an account that was sold to XXXX XXXX XXXX from Capital One. Instead of my bank sending it XXXX XXXX XXXX services they sent it to Capital One who is still holding my funds. I have reached out to them for several weeks now and they will not release the money sent. Capital One has been holding the funds since XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is using inaccurate information and reporting illegal items to my credit report. 

YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATE ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX  XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX  XXXX ( XXXX  ) : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021 my identity was compromised and used to obtain a loan with this company. I have no known knowledge of this account described above.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries from XXXX, Brclysbankde, & XXXX XXXX   on XX/XX/2020 and XX/XX/2020 that I do not recognize nor did I authorize.