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

I have contacted Experian in regards to credit cards that were open in a result of identity theft and a collection for a apartment that was open in my name without my knowledge or consent. I have sent police reports and utility bill of where I lived at the time that my identity was used. With me providing police reports and utility statement indicating fraud Experian still was not able to prove the collection agency could verify this debt. If they insist they have I request the method of verification. For the account XXXX XXXX, XXXX XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

XXXX is still reporting an unlawfully debt thats has been past the statute of limitations of 7ywars federally and state level its three years.
Product: Credit reporting or other personal consumer reports

This is one of MANY soft credit checks on my report as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have not used my credit and have over 50 credit checks since the beginning of XXXX ... this is only ONE company and i dont kknow what to do because my mother stole my identity!
Product: Mortgage

On my previous mortgage with SunTrust which I refinanced to a new mortgage with SunTrust I had my sanitation taxes paid through my escrow. In my initial estimates of payments it was included to be escrowed but when it was time to close the loan it was left off. I made the inquire about why and I was instructed to just call in when I received the next bill and they would add it to the escrow payments. When the bill came in I call Suntrust Mortgage multiple time and spent hours on the phone attempting to get the bill paid. I was told multiple times that I would receive a call back from a supervisor and all the agent was able to do was put in a research request which takes around 3 weeks to complete. Finally I called and they paid the bill but it was late, I was assured that I would not be responsible for any late fees and it would be added to the escrow so I wouldnt have to go through the same battle in future years. I called today ( XXXX/XXXX/15 ) after receiving an escrow analysis, my sanitation tax was not added and they had me pay the late fee. I was told by agent ( XXXX, XXXX ) that there was nothing she could do, they paid the bill as a courtesy, I was responsible for the late fees and it would not be added for future payments. SunTrust mortgage customer service constantly says they will have a supervisor call you and they do not. I feel like I was lied to and deceived through the entire process. I would not recommend SunTrust to anyone as they do not appreciate loyal customers.
Product: Payday loan, title loan, or personal loan

Power Finance Texas opened a " Payday Loan '' In my name without my permission. Power Finance Texas LLC, Did not verify the information on my credit file before approving said loan, and then Power Finance Texas proceeded to fund someone elses checking account. I have tried contacting them several times, and I do not receive any response. Power Finance Texas falsely accused me of receiving said loan, I have extended fraud alerts on my credit file, and they state that the company must first CONTACT ME before approving any loans because I am a victim of identity theft. Power Finance Texas did NOT contact me and went ahead and approved this loan for someone else, yet charged me for the loan. I can not access this account, nor can I retrieve the credentials because it's tied to information that doesn't match mine. It sends a text to some phone number ending in 1921 which again I do not own. That's not my phone number. Additionally I can not retrieve the email address that they stated was used " XXXX '' Because this is not my email address and it's not tied to my information. Power Finance Texas additionally sent these funds to a bank account with some company that I do not own. I had a report pulled, and It showed this is a XXXX XXXX account, This account was closed for Identity Fraud, and I do not own the account, nor do I have access to any funds in the account because it's closed due to Identity Fraud. Power Finance Texas sent these loan 's proceeds to someone elses account, and opened the account without my knowledge or consent and they refuse to do anything about it.
Product: Credit reporting or other personal consumer reports

A hard inquiry was put on my account on XX/XX/XXXX by CITIBANK NA., BEST B XXXX XXXX  XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Based on my research, I believe someone stole my identity and attempted to open a Best Buy credit card. I have previously had problems with someone trying to purchase things through my Best Buy account, but believed I solved the problem years ago. To be clear though, I do NOT have a Best Buy credit card so any line of credit to Best Buy is fraudulent and identity theft.
Product: Credit card

Had XXXX interest intro offer from Barclay 's Bank for Priceline Credit Card going back a year. Cancelled the card by phone call to Priceline XXXX on XXXX XX/XX/23 ( please listen to recording ) and destroyed it. Leaving me a XXXX balance. Most always paid off balances monthly during time I used the card so no interest should be charged. 
Noticed that {$12.00}. XXXX interest charge effective XX/XX/23 on this XXXX balance but paid under protest. 
Wrote to Barclay 's to complain about this and dispute these false charges @ XXXX XXXX. 
Received response from Barclay 's that insulted my intelligence. They claimed I cancelled the credit card XX/XX/XXXX or some gaslight nonsense. 
Reduction is for them to refund me {$510.00} And like I told my co worker when I went with her to her church and the pastor got up to preach at XXXX XXXX  : they won't have to worry about me no more, no way, no how
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
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 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

There are accounts showing on my Experian report that I contacted them needs to be removed. The accounts were paid and per the creditors they agreed to remove from my credit agencies. XXXX and XXXX have removed them. However, Experian has an issue either removing or updating my information. These old outdated claims that were settled and paid need to be removed. 

They have the habit of removing accounts that are in positive status that need to be on my account. It took me almost 6 months to have the add an account they deleted in error to be added back on. What is wrong with this company keeping information accurate and removing what should not be there???
Product: Mortgage

I had XXXX XX/XX/XXXX. I called them before and after XXXX to ask what we could do. I am self employed and would have no income for about 6 weeks. They kept telling me they could n't help me until I was 2 months behind in payments. But I called in XX/XX/XXXX and XX/XX/XXXX to see if we could do anything. So we got 2 months behind so they could help us. So we started a loan modification process. In XX/XX/XXXX I tried to make a payment and they would not take less than 3 months worth of payments!! I ca n't understand that! But they said I assure you there is no need to worry we will add it to the modification and it will be fine. I asked them about it every time we talked. Same answer and they would n't let us pay anything! I also got concerned because they kept stalling on getting modification complete. They needed this then that and some things they ask for over and over until time ran out! No worry ma'am we will start a new process just turn everything in again!! And again no worries about payments. Well I should 've trusted my gut because they called XX/XX/XXXX and said we are sorry your modification has been denied because you have too much equity in your home. This loan is too small for a modification!!! We had just received a foreclosure letter from a company saying Ocwen had turned us over to them. I asked about it and he said again I assure you it will not go into forclosure! ( That was before we were denied ) and now after working hard to pay off our house for 25 years they have put us in foreclosure!! I just ca n't believe it. And I ca n't believe they wo n't do anything to help us get current. 7 months of them not taking any money!! We do n't have that kind of money! I forgot to say this is our XXXX mortgage. First mortgage is current and with XXXX. We wanted to try to consolidate the XXXX loans but no bank can give us a loan because of damage of not making payments for 7 months!! There has to be something to help us save our house. This is so unfair!
Product: Credit reporting or other personal consumer reports

In congestion to the Fair Credit Reporting Act. A break down of accounts below has violated my Federally Protected Consumer Rights to privacy, Confidentiality under 15 USC 1681. e ( b ) Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A States I have the right of privacy .

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

15 USC 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.

15USC 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 card or prepaid card

Dear CFPB, I have a reasonable suspicion there is serious corruption occurring at Discover Bank with XXXX XXXX or airlines in general that should be investigated for harming consumers. 

On XX/XX/XXXX my significant other and I arrived well in advance of our flight XXXX XXXX at XXXX XXXX XXXX in XXXX, XXXX to XXXX, XXXX. We were allowed to check our luggage in, received our boarding passes and awaited at the gate. We were involuntarily denied boarding for unknown reasons without receiving compensation nor an explanation. A formal complaint has been filed with XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX and I have received no response ( except for automatic ). I have also tried contacting XXXX XXXX via telephone numerous times to no avail. 

As a result of not being able to take the flight for unknown reasons and as I did not receive the services paid for, initiated a dispute for this charge in the amount of USD XXXX with Discover Bank. During this dispute, XXXX XXXX claimed we were 'no shows '. This is a flagrant lie to a U.S. federally insured financial institution. Discover Bank informed me the charge was valid as we were 'no shows ' and they could not determine who was 'telling the truth '. For this dispute, I uploaded tangible evidence we were at the airport ( physical boarding passes received upon checking-in with approval to board, physical passport stamps at customs, a taxi receipt showing the drop off at the airport with the time indicated well in advance of our flight, the physical sticker placed on a luggage to track it in case it is lost as our luggage was boarded to the plane ) etc. 

I still can not comprehend why Discover Bank 1. ) they would knowingly allow a XXXX XXXX to provide false statements and 2. ) not formally review the evidence provided and act in the best interest of the consumer. They stated an account manager would call me and this never happened. As I never received a call, I followed up to Discover Bank requesting to speak with an account manager. After 30 minutes, the account manager was finally connected and informed me that if a merchant lies, Discover can not do anything nor do they have a duty to do so. I found this astonishing that merchants can lie to U.S. federally insured financial institutions without any repercussions, as if I, a consumer, were to lie to a U.S. financial services company would face very serious fines and consequences. I have also filed a complaint today, XX/XX/XXXX with the U.S. Department of Transportation and the FDIC. Due to such odd behavior at Discover Bank, there is a clear indication that Discover Bank should be investigated and I am sure that I am not the only consumer impacted. CFPB should be aware of this ongoing activity at Discover Bank and investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened without my authorization. I have since made arrangements to have this account settled with the understanding that this was a pay for removal arrangement per the original creditor
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX this account was PAID IN FULL with NO LATE PAYMENTS. On XX/XX/XXXX, I applied for a car loan and was denied due to this account. I also applied for housing and was denied due to the missed payments reported by creditor in XXXX of XXXX for this account.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer reports, I discovered some instances of late payments on a few an account for which I have always maintained timely payments. Consumer reporting agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have filed a dispute directly with the bureaus and they ignored my attempt to rectify the matter and updated the account instead. I have never been late on XXXX XXXX account number XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I kindly request these payments be promptly updated to reflect their true status as on-time and never late.
Product: Mortgage

I was reached by XXXX XXXX Loan XXXX at XXXX Mortgage, XXXX Utah about financing my mortgage for my potential home listed at XXXX XXXX XXXX XXXX. XXXX, Ga XXXX was well at first, he was going to assist with a No Down Payment Program ( my husband had a stoke in XXXX and most of our cash was depleted by medical bills but this program was a great fit, or so he said XXXX .Then the Down Payment Program closed according to him, so i had to come up with almost XXXX. So I came up with XXXX dollars. 
So he said since I did n't have all the money that the Down Payment Program was back, and I could close with that program.So I asked why did you not tell me this before? So now we are back to the XXXX Payment Assistance XXXX. 
So now I have paid for my Appraisal ( FHA ) it took XXXX weeks to get the Appraisal XXXX XXXX days before closing he calls and says the office was shut down and someone will call me within XXXX hours and I would close on XXXX I was suppose to close on XXXX/XXXX/XXXX and I have called many times I talked with XXXX XXXX # XXXX he said he would return my call, and get it taken care of, this was a lie, today I still have n't heard from anyone at XXXX XXXX talked with XXXX last week around the XXXX at the other Peoples location and he said XXXX XXXX # NMLS # XXXX would call me but no call from him either. 
I do n't know how they do business in Utah but this is unexceptionable! 
I pray that they do n't continue to mislead people like this and if they ca n't close loans in Georgia why are they soliciting business in this state?
Product: Credit reporting, credit repair services, or other personal consumer reports

In the accordance with the fair credit reporting act XXXX  account # XXXX, has violated rights. 
15 U.s.c 1681 section 602a 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 an account without my written instructions. XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX
Product: Checking or savings account

My Chase account was closed on XX/XX/XXXX. On XX/XX/XXXX, I found that I could not log in the account, so I called the bank. They also did not specify what caused the accounts to close, only the bank 's decision. The first time I called, I told you to mail me the money in my account within ten days. But when I checked the next day, they said they weren't sure, the money in the account was locked, and they could only wait a week or two. On XX/XX/XXXX, I called Chase again, they said I need to wait until next Monday.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute certain entries on my credit report based on violations of privacy rights and other legal concerns. below are the issues identified and the corresponding legal basis for my dispute : Charge-off Entry The charge -off entry listed on my credit report is inaccurately labeled. Under the legal framework of the certificate of indenture, this entry should be classified as income and must be removed from my credit report. As it currently stands, this entry is misleading and does not reflect my actual credit status. Please remove this charge-off entry and update my credit report to accurately reflect this information Utilization Status The credit report shows my utilization status inaccurately/. The law stipulates that the reporting history should not misrepresent the agreement terms. I request that you update my utilization status to " Paid as agreed ' to reflect my compliance with the terms.

Transaction History Reporting It has come to my attention that my transaction history has been reported in violation of federal regulations. The law specifically prohibits the reporting of transaction history as it constitutes an illegal disclosure of personal information.

I request immediate removal of this transaction from my credit report Student Loans I have found that my student loan information is being reported in violation of the educational privacy act of 1974. According to the privacy agreement signed with my educational institution, they are prohibited from sharing transaction details with third parties. This breach of privacy is unlawful, Therefor. i Request that any such information be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was led to believe by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains. There are 2 separate collections that are on there because we were never sent a bill so they shouldn't be on the report to begin with. Had we received a bill we would've paid it. Please help me resolve this issue as it should not have been on my report to begin with.
Product: Credit reporting or other personal consumer reports

Submitted several disputes for inaccurate information numerous times.
Product: Credit reporting or other personal consumer reports

The following information does not belong on my account and should be deleted from my account immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I called and informed Capital One of charges that were not authorized on my Capital Business card on XX/XX/23 at XXXX XXXX- they said they were going to investigate this and get back to me ASAP. On XX/XX/23 at XXXX XXXX they emailed me that they can't investigate anymore and charges my account for all the charges in question- This credit card company claims to have a {$0.00} Liability for unauthorized charge which is not true- I need them investigated and fined ASAP.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
10. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.