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

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX XXXXy XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type XXXX XXXX FCRA violations : names not mine XXXX XXXX FCRA violations : accounts not mine XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$340.00} XXXX XXXX  account. {$340.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} XXXX XXXX account. {$630.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$460.00} XXXX XXXX account. {$460.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$400.00} XXXX XXXX account. {$400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX  account. {$12.00} XXXXXXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$610.00} Status Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$150.00} Status Account charged off. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$400.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$24000.00} XXXX XXXX. {$25000.00}
Product: Payday loan, title loan, or personal loan

I borrowed {$350.00}, I am being charged 795 % interest!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to freeze my Sagestream account with no success. I have followed all of their online guidelines and called, left 2 messages, and sent 2 letters certified mail requesting a security freeze but have not gotten a response back. It has been 4 months,
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Name : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these items are inadvertently resulting in me being extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I pulled my credit report in hopes of getting ready to purchase another home ... When I seen my report I was quite confused at what I was viewing. The reporting from XXXX on my credit report appears to be totally incorrect with several errors in the reporting of this debt. I reached out to all 3 Credit Bureaus as well as XXXX to ask if the account can be validated to ensure that in fact this account is reporting correctly on my credit report. At first XXXX ignored my request, I then sent a follow up letter in which they responded with some sort of statement of account which clearly did not rectify my issue with the reporting of this account on my credit report. As stated, I even reached out the the Credit Bureaus for help only to get a response that the account was reporting accurately ... How is this when I can spot several errors and Im not a professional in credit reports. 
**First off the account appears to be outdated going by the dates reporting **High Credit Reporting on a closed account **Date last active is not correct **Payment status reporting 120 days late on a closed account
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit.

Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and not reflect my true credit
Product: Mortgage

I was given a PreApproval by this MTH Mortgage and gave an XXXX money deposit of {$5000.00} to purchase a home located at XXXX XXXX XXXX TX. I was denied by the loan XXXX XXXX XXXX XXXX # XXXX on the denial because he could not verify my income. I have attached the income downloaded from the IRS website. 

XXXX XXXX stated he would be unable to sell the loan to the investors because of the lack of debt. However I meet all the requirements for an FHA loan, and the exemption number was submitted on the XXXX XXXX loan application attached. 

The act of this false denial led to the additional problems incurred with the builder. The XXXX money is part of an ongoing dispute with XXXX XXXX because of the defamation and misuse caused by XXXX XXXX XXXX. The exemption information was ran XXXX times through the credit bureaus and the application was issued a LEI number. This is a direct violation of consumer laws regarding use of exemption numbers and several XXXX codes regarding misleading contracts and forced servitude.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been paid off yet still it's reporting as closed instead of paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Todd, Bremer & Lawson , Inc. is reporting an account to consumer reporting agencies and in doing do they are in violation of 15 U.S. Code 6802 ( b ) ( 1 ) which states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given the opportunity as mentioned in 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) nor an explanation of how to exercise the non-disclosure option mentioned in 15 U.S. Code 6802 ( b ) ( 1 ) ( C ) in order to not have a personal account reported to consumer reporting agencies. This account should be removed from all consumer reporting agencies pursuant to 15 U.S.Code 6802 ( b ) ( 1 ) ( B ), and 15 U.S. Code 6802 ( b ) ( 1 ) ( C ).
Product: Credit reporting or other personal consumer reports

Dear CFPB, CFPB is supposed to protect my consumer report from unfair, deceptive, or abusive practices. 

15 U.S. Code 1692c - Communication in connection with debt collection ( a ), ( b ), ( c ). 

According to this law I haven't giving any such consent for any XXXX party companies to falsify my consumer report by acting as the original creditor and making false claims and statements including trying to collect a sum not owed to them. There were mistakes made that lead to falsifying my payments as late and accidentally turn over said accounts to collections when the accounts were paid on time and paid as agreed. The information on my consumer and credit report needs to reflect my current up-to-date payments and on time payments. 
I'm entrusting CFPB to properly rectify the situation but also requesting that my information is changed and updated to paid on time and as agreed and therefore there are no collections on my consumer report. Please ensure that these unfair, negative late payments show as PAID ON TIME/PAID AS AGREED. This needs to be done ASAP these XXXX unfair, deceptive, and or abusive practices is being done by the XXXX major credit bureaus allowing ( XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} ( XXXX ) XXXX XXXX XXXX. {$580.00} ( XXXX XXXX XXXX XXXX XXXX  {$1700.00}. 

Delete ACCOUNTS : ( XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} ( XXXX ) XXXX XXXX XXXX. {$580.00} ( XXXX XXXX XXXX XXXX XXXX  {$1700.00}. I never open up any of these XXXX accounts nor did I consent of these XXXX companies to use any of my information this act is illegal according to Consumer financial protection bureau laws and therefore needs to be DELETED PERMANENTLY and or UPDATED to PAID ON TIME and PAID AS AGREED PLEASE AND THANK YOU.
Product: Mortgage

I am in the process of foreclosure with Citi Mortgage. They offered me {$5000.00} cash for keys with a sale date of XXXX XXXX, with the agreement that they would review in good faith my loan modification application. I made Citi a settlement offer on XXXX XXXX but to this date have not received a reply On XXXX XXXX Citi had the locks to my house glued shut. I have made multiple phone calls and sent several emails to both Citi and the attorney for Citi, XXXX XXXX XXXX XXXX XXXX XXXX, FL looking for answers on why my locks were glued shut. Citi does n't even have me on their system anymore. When I call, they are unable to access my loan with my loan number or SSN. It is like I do n't exist. The only reply I received was from an associate at XXXX XXXX XXXX saying that my doors had probably been glued shut by the first mortgage company. I have NO first mortgage company. Citi is the only bank with a mortgage on my property. I believe they are doing this to prevent me from going into my house and fulfill my agreement with them, which would relieve them from paying the {$5000.00} cash for keys. Perhaps this is a strategy to harass me into walking away from my house.
Product: Checking or savings account

BANK OF AMERICA HAS TAKEN {$40000.00} OUT OF MY ACCOUNT IN EXCESS OF WHAT WAS DUE AND PAID ON MY B OF A CREDIT CARD. THEY DID NOT RETURN MY MONEY FOR 10 DAYS AND DID THE SAME THING AGAIN THREE MORE TIMES. THEY PROMISED TO RETURN MY MONEY TO MY CHECKING ACCOUNT, BUT DID NOT. MY SON AND I HAVE WORKED ON THIS FOR 20-30 HOURS TRYING TO GET THE BANK TO PAY ME BACK. THEY RANDOMLY TAKE MONEY FROM MY CHECKING ACCOUNT AND THEN WILL RANDOMLY CHARGE MY CREDIT CARD THE AMOUNT THAT THEY WERE SUPPOSED TO REFUND. I AM XXXX, ALMOST XXXX, AND THIS IS SO UPSETTING AND I AM AFRAID THAT THEY WILL TAKE ALL OF MY MONEY AND I WILL NEVER GET IT BACK. PLEASE HELP ME. XXXX. OR CALL MY SON AT XXXX. AT ONE POINT THEY OWED ME {$81000.00} AND CURRENTLY, I DO NOT KNOW WHAT THEY HAVE STOLEN FROM ME. THIS FEELS SO WRONG.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT TO THIS COMPANY FOR OVER A YEAR NOW. AND I EVEN HAVE ASKED THEM TO PROVIDE PROOF OF ME EVER GETTING ANY TYPE OF LOAN FROM THEM. THEY HAVE NO PROOF YET THEY WILL NOT REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I NEED SOMEONE TO EXPLAIN TO HOW I CANT PROOF THAT I AM VICTIM. I DON'T KNOW WHAT INFORMATION TO PROVIDE, I KEEP CALLING XXXX XXXX XXXX, THEY CANT PROVIDE INFORMATION, I KEEP CALLING XXXX  AND XXXX  THEY CANT SEEM TO GIVE ME CLEAR INFORMATION. I THINK THESE BIG CORPORATIONS ARE DING THESE ON PURPOSE TO LOWER PEOPLES XXXX SCORE OT THEY ARE THE ONESE WHO ARE SELLING CONSUMERS INFORMATION.
Product: Credit reporting or other personal consumer reports

I have several unauthorized hard inquiries on my credit report. These are fraudulent. I have submitted an FTC report and ask that these inquiries be removed. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I purchased a property in XXXX in 2007, 100 % - HELOC for around XXXX and a mortgage for $ XXXX, my property is under water by $ XXXX. Now I am paying more for my HELOC and no one seems to explain me why. I requested the amortization schedule and they denied me that information. I went to lawyers couple of times, they mentioned to me this is a bad loan. I want an audit on my loan, I did not qualify for XXXX. They took $ XXXX from my HELOC years ago. What I am supposed to do with the undervalue amount, loose my property in XXXX or 20 years? I called New York Chase XXXX many times and their answer was it was my problem not their problem, you need to figure that out. I am sure they did not write that in their system of records.
Product: Credit reporting

I have contacted Transunion 3 times to change my address and update it and I have faxed them 3 times with the required documents regarding my new address and with a copy of my id card attached with proof of my address and they still will not give me my credit report or change my address on my account I have done all I can to give them proper documents please help me
Product: Consumer Loan

I purchased a car from XXXX XXXX Toyota and the finance department offered me gap explaining that it will cover anything that my insurance does n't covers if the car was to get totaled which did happen on XXXX XXXX XXXX so my insurance which was direct general paid what they believed the car was vauled at XXXX which does n't make much sense because it was a XXXX Toyota Corolla with XXXX miles and the gap which was XXXX company paid XXXX which was n't the remainder because the payoff was XXXX so now I have a balance left on the car that I have to pay and I have no car and owe my finance company XXXX and they want the payment in full I ca n't get a another car because the loan is still on my credit and if I do n't pay them XXXX by XX/XX/XXXX they will charge it off it seem very unfair and then also my finance company reported to my credit as been 60 days behind when in never was late with them I got in the accident on XXXX XXXX and it was made aware to them and my insurance declared it as a total loss and my insurance advise the was going to issue the check which they did and my finance company still reported to my credit as 60 days past due
Product: Credit card or prepaid card

On or about XX/XX/2021, on a routine visit to a local animal hospital for my XXXX XXXX XXXX cat XXXX to be seen for the first time since moving to XXXX XXXX  from XXXX XXXX, the vet mis-prescribed her, as the vet ( in his own words ) stated " he didn't have the time to read her past medical history as he was too busy '' killed my cat by prescribing her the wrong medication. I was charged {$750.00} by the vet, ( XXXX XXXX XXXX in XXXX, NY ) on XX/XX/2021 on my Goldman Sachs Apple Card and was charged a duplicate amount of {$820.00} on XX/XX/2021 by the same animal hospital when I got my cat XXXX back in ashes as she had to be cremated. Nothing short of DISTURBING as this animal hospital is now being investigated for animal cruelty by the State of New York for what they did to my cat. 
Having said the above, I immediately contacted Goldman Sachs Apple Card the very day my cat XXXX passed away in the hands of a so called " doctor '' who committed medical malpractice. Goldman Sachs Apple Card representatives were mortified of what had transpired and immediately helped me dispute my 2 changes stated above. Within a few weeks the one {$820.00} provisional credit was made permanent on my account. Then, for some reason, the charge of {$750.00} did not become a credit back onto my account. As I type you today, I've spoke to the Goldman Sachs Apple Card representatives over the phone on numerous occasions on the reason why my refund of {$750.00} has not been made final and they don't have an answer for me. Same merchant, same charges, but one gets fully approved in my favor and the other is still a mystery in the making? I keep being told that the original Goldman Sachs Apple Card representative who disputed both of the charges for me on the day my cat XXXX was killed by the vet had " miscoded '' the {$750.00} charge thus the reason one refund got approved and the other one is still pending FIVE MONTHS AFTER THE FACT? 
I want my {$750.00} refunded NOW!
Product: Mortgage

I am a veteran my loan was transferred to planet home lending on XX/XX/XXXXi made my payment on time on XX/XX/XXXX they are holding my payment claiming they have not received it
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any of these inquires on my experian credit report
Product: Vehicle loan or lease

Upon termination of my lease in XXXX I was assessed a disposition fee above the contractual obligation. In investigating this fee I had discovered that XXXX XXXX was charging for hail damage to the vehicle. This vehicle never experienced a hail storm while in my possession. 

The process of contacting XXXX XXXX XXXX XXXX and disputing the charge took costly time. Once the determination was made by a XXXX representative that I was indeed not responsible for any additional charges, as there was no hail damage, I immediately paid the remaining disposition fee. I had never been late in a vehicle payment to XXXX or any other automotive debtor. 

Because of the time it took XXXX XXXX to investigate and correct this charge I was outside of my 30 day payment window. They they reported me to the 3 bureaus as having a late payment. 

I sent my formal request to have the negative marks removed from my credit report at the 3 bureaus ; XXXX, XXXX, and XXXX. I submit this request on authority from the representatives at XXXX. I included a brief statement on what had happened and a copy of my credit report. On XX/XX/XXXX I received a letter from XXXX XXXX saying their reporting was correct. I called on XX/XX/XXXX to take further action. At this point I was informed I could make another formal dispute but could not actually speak with anyone who makes the decisions. A customer service rep by the name of XXXX and his supervisor XXXX were quite unwilling to help. 

I just want the negative mark removed from my credit. I am currently not obligated with any further debt to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and identity theft. As a result, unauthorized accounts have appeared on my credit report. I am requesting that these accounts be blocked and deleted from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Unauthorized Accounts XXXX. XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX  Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$810.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 got a notification on XX/XX/2022 that there was a new collection in my name. I looked on XXXX XXXX and it says On XX/XX/2022 an account was created for XXXX XXXX  and I owe {$740.00}. The creditor was USCB corp. I have never heard of XXXX XXXX and I am already enrolled in a different school so this was not me. I XXXX and everyone is saying the same thing happened to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with American Honda that went to a charge off status years ago. After it went to that status we paid it in full once we were able to but i recently noticed when i pulled my credit report that it still showed a balance of XXXX I notified the company and they show it as paid in full with no balance on their end and said they would notify the credit bureaus. I have disputed this with the credit bureaus but have not had success in getting the balance removed. Please help me as i need to have this shown accurately.
Product: Debt collection

XXXX XXXX XXXX claims I owe money on multiple collections but refused to provide proof and after I called they reaged the account to make it seem new. They used profanity and threatened to garnish my wages when I requested proof of the debt. I have disputed it on my credit profile multiple times and the date changes every time so it cant fall off