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

I am XXXX XXXX and I am submitting this complaint by myself and there is no third party involved. 
I XXXX XXXX is a consumer, natural person and the original creditor and I know my rights. As a consumer I have the right to privacy and no third party has my permissible purpose to put anything on my consumer report. This is a violation/s Pursuant to FCRA XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX By reporting any payment history and transactional history not limited to student loan, auto loans, credit cards, installment loans and other accounts without my permissible purpose, Equifax is found to have violated XXXX XXXX XXXX ( XXXX ) ( a ) ( i ). As a consumer, natural person and original creditor, I will exercise my rights and pursue ANY damages incurred for willful noncompliance and negligence on behalf of Equifax. Equifax Does NOT have my permission to report any of my PRIVATE business from any creditor on my consumer report. Please remove all the accounts listed below and all the inquiries listed on my consumer report. I have in fact NOT given written consent to Equifax to furnish. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX College PLEASE REMOVE FROM MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

CollectionXX/XX/XXXX - {$0.00} XX/XX/XXXX {$0.00} Bankruptcy XX/XX/XXXXBankruptcyXX/XX/XXXX Bankruptcy - XXXX Inquiry XXXXXX/XX/XXXX XX/XX/XXXX Personal XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$4600.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I checked my credit report and I have enclosed a screenshot. My Capital One card that I have had for several years showed up and has always showed up. As of XX/XX/XXXX, and I attached a screenshot of that report, my Capital One card suddenly disappeared and all of the payment history. It is paid in full as of today which I've also provided a screenshot of. Why is this not on here? Why did it disappear from all of my credit reports? Why is XXXX deleting good information? It's the only credit company that's doing this. The other bureaus are not. This is so illegal and discriminatory. They are purposely deleting good information on my account and leaving bad information.
Product: Credit card

I told this company I wanted to purchase a prefab foldable house, I submitted the deposit payment on XX/XX/scrub>XXXX XXXX XXXX XXXX. After I found out how much it would be to add plumbing and hot water heaters, I decided it would be to much so I told them I would like a refund. We went back and forth and then I told them I needed at least 75 percent of my money since they never sent me anything. They said I would need to sign a form to agree to the 75 percent. I told them no I would not sign it because after I thought about it I didn't get anything why should they get free money. I wanted all the money I paid back. They said I refused the 75 percent and I went to NFCU Visa to dispute the whole charge {$11000.00}. I received a letter from NFCU Visa dated XX/XX/year> saying the investigation concluded the dispute is valid and the merchant accepted the request for reimbursement and the temporary credit that posted to the account on XX/XX/year> is permanent. I also requested this letter again it is dated XX/XX/scrub>XXXX XXXX XXXX XXXX billed me {$11000.00} and credit me {$8400.00}. I called NFCU Visa and they said it's nothing they can do because it went to Pre arbitration. However I have a letter that says the credit is permanent.
Product: Credit reporting or other personal consumer reports

Transunion is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries, and I demand that they be removed from my credit profile. I know that only XXXX XXXX information can be reported on my credit profile and that any inaccurate Information must be removed. These inquiries have caused me to be denied credit and have caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove them from my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me. I never gave them permission to obtain my credit profile or gain access to my social security number. 
REMOVE NOW >>>>>>>>> XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I have repeatedly emailed and messaged MOHELA for a month without any response. Their hold times for a phone call are in excess of XXXX hours. It is not possible to communicate with my loan provider to request a refund and forbearance.
Product: Checking or savings account

I have a business that bank with Truist bank. Unfortunately, there was an incident where my check was stolen from the mail and was washed. As of result, XXXX XXXX XXXX XXXX XXXX dollars ( {$4900.00} ) was taken out WITHOUT my authorization to an UNAUTHORIZED personal. Ive been waiting for over 2 months but I still have not received the money back. The business name is XXXX XXXX XXXX XXXXXXXX. This is a business checking account with Truist Bank. Truist bank did responded stating that they are trying to retrieve the money from the financial institution that deposited the money. I notified Truist of the fraud within 10 days of receiving my bank statements. Please help me retrieve the funds. I should not be held liable for an unauthorized transaction.
Product: Payday loan, title loan, or personal loan

Have received mail for someone who does not live here for over 4 years. Repeated requests to remove her from my address. Chic from XXXX XXXX refuses to remove her until I give my SSN and birthdate. I have refused. What can I do to get them to stop sending this?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require 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. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1600.00}.
Product: Credit reporting or other personal consumer reports

Experian refuses to remove the current collections account, XXXX XXXX XXXX that belongs to another person, XXXX XXXX. 

My name is XXXX XXXX XXXX, not XXXX XXXX. 

I've filed disputes in the past with Experian, XXXX, and XXXX to have these invalid names, addresses, and collections accounts removed from my credit file. However, every few months a new collection agency is allowed to add a new collections account to my credit file for the same fraudulent debt. 

Experian, XXXX, and XXXX have previously removed this false identity information and collections accounts but continue to allow the same or similar information to reappear on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent notices to Experian, XXXX, XXXX about reporting a collection without no proper validation that it belongs to me or that I have a legal obligation to pay this money to this collection company. I have requested from all 3 Bureaus valid documentation that I am legally responsible to pay said collection company which they all have not furnished or obliged my request but still continue to report this on my credit report.
Product: Credit card

I received a letter from Synchrony Bank stating that my request for a credit card with a retail store ( AE OUTFITTERS ) has been denied, however I have never applied for a credit card with this store. I have shopped at AE stores and at their online store before, however I have never applied for a credit card. Additionally, the reason given for the denial is " no credit bureau file '', which is incorrect. I did check my credit report with XXXX just now and everything looks fine and no credit inquiry from Synchrony Bank is listed.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX : applied for home equity line of credit on line. At the end of the process I was prompted with the following message : " This message confirms that we have successfully received your application. Your Loan application information is provided below. Your application will be assigned to a lending representative within the next 24 hours. If you have further questions regarding the status of your application, please call XXXX and mention the below loan application ID number. We value your relationship and thank you for choosing Citibank for your credit needs. ". 

XX/XX/XXXX : Since no one contacted me, I called Citibank to follow up. I called the XXXX at XXXX XXXX and spoke with a representative who after providing her with my SSN, stated she couldn't find my application data that I submitted on line. I stated my concerns about : a- Protecting my private financial information I included in the on-line application. And : b- The impossibility of refiling on line again since I already used my email on the application she couldn't file. And : c- The possibility of a conflict which may occur if I filed over the phone or in person, with the now missing on line application data, which may cause future delays to the processing of my loan application. 
The conversation ended at XXXX XXXX, and the representative stated she will check with others and call me back. 
Since I didn't hear back from Citibank, I called again for follow up. I spoke to about 6 representatives who kept switching me around as if I was punished for asking where my information is. The shuttling around lasted from XXXX XXXX to XXXX XXXX - all conversation recorded by my security camera. The last person said she couldn't hear me! I spoke with about 6-7 persons from Citibank some were able to hear other claimed they couldn't, and I used the same phone in all calls I made.

My complaint is about not being able to apply for credit ( home equity credit line ) to an equal opportunity lender bank. I do recall the same harassing treatment from Citibank when I applied for my home mortgage in XX/XX/XXXX, and that I was only able to proceed, after complaining NYS banking department and to Citibank managers. As I wait your response, I intend on calling Citibank tomorrow and again try to reach a supervisor.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, XXXX XXXX XXXX XXXX reported XXXX XXXX account as " 30 days '' late. This resulted in XXXX XXXX XXXX XXXX ( XXXX ) dropping " XXXX '' XXXXredit score drop across all 3 credit bureaus : Experian, XXXX XXXX and XXXX XXXX 

On XX/XX/year>, XXXX XXXX XXXX XXXX reported XXXX XXXX account via Consumer Financial Protection Bureau website as THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. 

Your agency been provided proof XXXX XXXX credit scores initially dropped XXXX points In XX/XX/year> across all XXXX credit bureaus : Experian, XXXX XXXX and XXXX due to incorrect credit reporting, by XXXX XXXXXXXX XXXX XXXX XXXX have been provided proof XXXX XXXX XXXXXXXX XXXX has corrected & updated XXXX XXXX account with the correct information stating, THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. If your agency has reported no late payments listed for XX/XX/year>, from XXXX XXXX XXXX, XXXX XXXX credit score should be immediately restored & increased by XXXX points by your agency. 

Reducing XXXX XXXX credit score ( s ) by XXXX points based on incorrect information is illegal & a violation of his rights under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C XXXX XXXX et seq. Any refusal to restore XXXX XXXX credit scores by the XXXX points your agency initially took from him in XXXX of 2024 ( based on incorrect information ) is illegal & a violation of his rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. 

On XX/XX/year>, XXXX XXXX XXXX XXXX provided your agency proof via Consumer Financial Protection Bureau website they corrected XXXX XXXX account stating, THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. Thus, correcting their mistake in XX/XX/year>. 

Therefore, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., XXXX XXXX credit score ( s ) should be immediately restored/increased XXXX points by all XXXX credit bureaus : Experian, XXXX, and XXXX. The corrective actions by your agency should result in XXXX XXXX credit score ( s ) increasing by XXXX points and ranging from ( XXXX ) points respectively.
Product: Debt collection

Yesterday, XX/XX/XXXX, Halsted Financial called me at XXXX and again at XXXX AND AGAIN within the same minute of XXXX. Then today, XX/XX/XXXX, they called me at XXXX and NINE MINUTES LATER at XXXX. This is literally harassment! I am at work during these hours and have a child who had medical issues so then blowing up my phone makes me leave my production floor thinking it is about her and an emergency, when it is just them harassing me!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX. has violated my rights 15 u.s.c 1681 section 602 A.states i have the right to privacy 15u.s.c 1681 section 604 A section 2 it also states a consumer reportiong agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience andfinancial loss, and I seek appropriate redress. For these violations.
Product: Credit reporting

I rented an Apartment from The XXXX. 
The debt with this company was settled in Bankruptcy case # XXXX. 
The account was disputed and removed from my credit report. 
Now another debt collection agency has reopened the account and put the balance on my credit as past due.
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. 
Account name : XXXX XXXX ACCT XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXXXXXX XXXX ACCT XXXX XXXX, XXXX XXXX  ACCT # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX ACCT # XXXX, XXXX XXXXXXXX XXXX  XXXX ACCT # XXXX, XXXX XXXXXXXX XXXX  ACCT XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXXXXXX XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  ACCT # XXXX, has violated my rights XXXX 

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

XXXX XXXX, XXXX XX/XX/2024 I reported to Huntington Bank via email that there was a late payment of {$340.00} that was reported to the credit bureaus. I provided screenshots and documentation that proved it should not have occurred and additionally the system did not notify me in any manner of the event, or failure of the autopay. 
As I work with Huntington often they sent to the back of their house for review. This would have been approximately XX/XX/XXXX of 2024. I followed up on two seperate occasions as no updates where provided. I was then requested to email a copy of my credit report with the dispute to my bankers- which I did. The credit group provided me with no updates. 
I was then told to mail the dispute to the Huntington XXXX in XXXX OH, which I did on XX/XX/XXXX. I have a copy of the priority mailing ATTENTION DISPUTES XXXX XXXX XXXX XXXX, OH XXXX Package Ship Date : XX/XX/2024 From : XXXX Service Type Priority Mail It has now been over XXXX weeks since my first notice to the bank of the dispute and over XXXX weeks since I mailed the entire correspondance to their disputes department. I have received no communication. I was just about to start the process of a home refiance, this has delayed my timeline considerably and costs have continued to rise which will have a significant long term financial impact on myself and family. Their failure to respond or acknowledge has also well exceeded the FCRA timelines. 
I am hoping you can assist. I have had XXXX late payments on anything in over 4 years, this was a banking error, with significant financial impact, worsened by their failure to respond.
Product: Mortgage

Hi, I could n't update my original Complaint which is Case number : XXXX. In the response it stated that PNC wanted more time to review. Well, it has just been brought to my knowledge that PNC moved to try and foreclose on my unit after I filed my Complaint against them with you. 
I have never been late with or missed a mortgage payment. I have all of my receipts. I also have the letter from the condo board attorney, whom they paid without my permission or knowledge of alleged unpaid condo fees, that they had " discovered '' an error in their accounting and had in fact overcharged me but could only go back 3 years in reimbursement even though I was due 6 years of reimbursements. A couple months prior, PNC paid the for all 6 years of which I did n't owe. I have attached the attorney letter. My Unit is XXXX
Product: Credit reporting or other personal consumer reports

Dear DISCOVER BANK, I am demanding the removal of this following charge-off account listed DISCOVER BANK, ACCOUNT # XXXX OPENED ON XX/XX/XXXX AND ACCOUNT # XXXX OPENED ON XX/XX/XXXX. Charge-offs are considered as an income according to the IRS. Income can not be reported on my consumer credit report. This is considered an inaccurate account, and this is defamation of character.
Product: Checking or savings account

I received a targeted offer from Bank of America within their online banking site in the " special offers & deals '' section for opening up an Advantage Plus checking account and received {$300.00} for " Set up and receive qualifying direct deposits totaling {$4000.00} or more within the first 90 days of opening your new checking account ''. I completed the requirements and the term says the bonus would be paid out within 60 days. It's been past the 60 day period and it has yet to be paid out. I submitted a CFPB complaint case # XXXX, got an ackowledgement that Ms. XXXX XXXX is handling my case and requesting me to call back to confirm it was my case. She never picked up my phone call and never responded to my emails. Bank of America is simply dodging to honor the promotion at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act XXXX XXXX account # XXXX Macys Credit Card Account number ending in XXXX has violated my rights 15 USC 1681 Sec 602 states I have the right to privacy 15 USC 1681 Sec 604A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

Spouses first consolidated loans in XX/XX/XXXX and later refinanced the consolidation loan in XX/XX/XXXX with a balance of {$110000.00}. Husband diagnosed with chronic XXXX XXXX and unable to maintain income. Hardship deferral offered. Loan balance grew and is currently {$270000.00}. Now paying on income-based repayment plan but do not anticipate ever having enough income to pay off the loan.