23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Citi Simplicity Card has continually failed to reflect a credit of XXXX in my available balance. My account was closed due to this inquiry and filing complaints. Citi Bank misrepresented the truth by stating that I requested to close my accounts, both Thank you account and Citi Simplicity Card which were in excellent standing. My request was documented by 3 various agencies. I stated the following, " I would be willing to close the accounts if the Citi Simplicity Card was credited the balance. Citi refused to credit the balance and closed the accounts without my permission as the closing of the accounts were only conditional. If Citi was not going to credit the account, then the Thank you account and Citi Simplicity accounts should not have been closed. My accounts are in excellent standing. Thank you account has a XXXX balance ; the Citi Simplicity Card is in dispute with the credit bureas. I was retaliated against by a company with F rating in some XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove all old addresses and name variations. 
I am afraid I may become a Identity Theft victim again. Please report only my name and current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my Experian credit report and noticed fraudulent account on my credit report. I have sent Experian several correspondence such as FTC Identity theft report and police report stating that the fraudulent account is not mine but Experian refuses to block and remove this account. I have attempted to upload documents on their online portal www.experian.com/upload but every time I call them to verify documents received, they always tell me that the documents are illegible. At that point, I started just mailing the documents and still they are not blocking and removing the fraudulent account under FCRA within four days. Therefore I am reaching out Consumer Financial Protection Bureau to help resolve my issues with Experian. I am requesting for the following fraudulent account to be removed and blocked immediately under FCRA : 1. XXXX XXXX XXXX Account # : XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX Someone used my debit card info to transfer funds from my checking account through Western Union in amount of {$870.00}. Same day did same thing for {$910.00}, but the later was cancelled. It was supposedly sent to my son in another state. I know my son did not receive this money. Whoever did this also put another telephone # in place of mine, but had my sons info correct. ( from prior, legit transfers ) I'm assuming. I called my financial institution to report the fraud and currently their is a claim on file. I called Western union, by advise from my bank on XX/XX/18. They took my info and tracking # 's, gave me a case file # and told me to call proper authorities to get this investigated, with their full cooperation. W/U also told me {$910.00} was not taken, but {$870.00} was already picked up from receiver. Because of this, my acct. was overdrawn by over {$700.00}. However, by XX/XX/18. my account was back to the original amount, due to W/U denying the later transaction of {$870.00}. I have since gotten new debit card and changed my pin. I am afraid this can happen again, seemingly since it was so easy the first time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of inquiry is unknown and erroneous. The inquiry is pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to Equifax and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have this account be removed accordingly. 
XXXX XXXXXXXX Inquired on XX/XX/ 2021 2021
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here are the accounts I am asking you to verify as accurate : Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding unauthorized credit inquiries made to my credit report. I have discovered several inquiries that I did not approve or authorize, and I am unfamiliar with the companies involved. Additionally, I believe that the credit reporting agencies have shared my personal credit information without my consent.

The following unauthorized inquiries were made to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - Reporting Agency : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting Agency : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - Reporting Agency : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - Reporting Agency : Experian I have not applied for credit with any of these companies, nor have I given them permission to access my credit report. I am concerned that my personal information has been shared without my consent, which is a violation of my rights under the Fair Credit Reporting Act.

I kindly request that your office investigate this matter and take appropriate action to ensure that my rights are protected. I would also appreciate any guidance on how to address and resolve this issue with the relevant credit reporting agencies.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX XXXX XXXXXXXX, ACCOUNT # XXXX ) and ( XXXX XXXX XXXX, # XXXX ) broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, Equifax who are furnishing inaccurate and unverified information on my consumer report. 

Proof of inaccuracies is attached example date opened ( XX/XX/XXXX ) on ( XXXX ) but on ( XXXX it XX/XX/XXXX ) date last active ( XX/XX/XXXX ) on ( XXXX ) but on ( XXXX it XX/XX/XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or Equifax the permission to furnish this report I demand that they delete this account from my consumer report. 

in accordance with the fair credit reporting act XXXX  ( ( XXXXXXXX XXXX XXXX, ACCOUNT # XXXX ) and ( XXXXXXXX XXXX XXXXXXXX, # XXXX ), have violated my rights. 

15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Ive reached out to the 3 credit bureaus repeatedly over the past year to let them know that I am a victim of identity theft and that my consumer report has been used. I do not recognize these accounts and they need to be removed immediately. Im on the verge of being homeless and the state of my credit health is ruining my life all due to accounts that are being reported improperly
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My information was sold and illegally because I was a victim of the Equifax data breach. I want these items Deleted from my Credit Reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Debt collection

XXXX card agreed to remove fraudulent account information then 4 months later started reporting again and sold the debt to a collection agency. A complete identity theft report has been mailed to both companies by certified mail.
Product: Mortgage

The companies involved are Carrington Mortgage Services , LLC, XXXX XXXX and XXXX XXXX Loans. These companies have consistently charged me for FHA Mortgage Insurance over the course of my mortgage loan servicing that is different than the agreement we signed and the closing documents. They have ignored the loan closing documents and applied methods not specified anywhere my loan closing documents and in fact their methodology has resulted in FHA Insurance Premiums that are more than {$9000.00} higher than either amortization schedule ( provided shortly after closing ) or FHA Insurance Premium documents ( included in my loam closing documents ). I believe these overcharged fees are excessive, illegal and a violation of the mortgage loan closing agreement! 

Carrington Mortgage 's response indicates that they do not care what the loan closing documents say. In fact, their response spelled out a method that was not mentioned or included in my loan documents. They refused to clarify why my loan documents said one thing, yet they consistently do something else every month when they charge my account! 

This mortgage loan was originated by XXXX XXXX Loans in XXXX and sold the XXXX XXXX ( XX/XX/XXXX XXXX, who serviced it until XX/XX/XXXX. Carrington has been servicing this loan since XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I borrowed approximately {$2600.00} plus registration costs in XXXX XXXX. In XXXX XXXX, my car was vandalized and my insurance company paid off XXXX. They paid $ 3500+ to pay off the title loan. XXXX XXXX agreed to pay them in XXXX yet XXXX continued to charge fees and even charged me for the month of XXXX even though my insurance had already paid them. Now I have a bill that continues to accrue {$27.00} every time it 's late. Month over month and they refuse to explain why or how they came to the amount and the last phone call I had with them today XXXX, the guy could n't explain the calculations of {$11.00} per day accrued the amount they say I still owed. They were paid in full and refuse to update the file as such. This is the 2nd title loan I have had with them and I ca n't believe how they treat customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

What is this complaint about? 
My XXXX credit card ( XXXX XXXX ) closed my account due to a high balance on my credit card and that I was over the credit limit by {$79.00}. XXXX credit card fear due to COVID-19 that I would not be able to pay back the balance on my account and that I was a high risk As of XX/XX/XXXX, I have a balance of {$2400.00} and I have been with XXXX XXXX since XXXX I have never missed a payment never late 30,60, or 90 days. I made all my payments on time ( I enclosed a copy of my payment history from my credit report ) What type of problem are you having? 
The problem I'm having is due to the fact of XXXX XXXX  closing my account my credit score went down 22 points causing me not to be able to apply for other credit due to a low score rating. 
I am attending college and I need to apply for a student loan this grievance of lowering my score by 22 points affected my ability to further my education and or apply for further student loans due to my credit score being too low. 

What happened? 
The actions that were taken by XXXX XXXX : XXXX XXXX closed my account on XX/XX/XXXX after checking my credit score. 
According to XXXX XXXX they claimed my score was XXXX on XX/XX/XXXX which they said was too low and that I was a high-risk customer. 
XXXX  XXXX fear is due to COVID-19 that I would not be able to pay back the balance on my account and that I was a high risk clientele, which is clearly discrimination of my ability to be a valued client. 
XXXX XXXX pulled my credit score from Trans Union Credit Bureau on XX/XX/XXXX which Trans Union gave an inaccurate score of XXXX. 

What company is this complaint about? 
XXXX XXXX ( XXXX XXXX XXXX XXXX  ) Who are the people involved? 

Myself XXXX XXXX Trans Union
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. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX 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 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: Mortgage

My rights to information has been violated. I had no knowledge of the assignment of Mortgage dated XX/XX/14 by the U.S. Department OF Housing and Urban Development. Mortgagee Letter XXXX and letter dated XXXX XXXX nor did I sign consent that needed the borrower to sign form. Also the Modification loan Agreement dated XXXX XXXX that loan is connected with the XX/XX/2014 Assignment of Mortgage documents. Also the XXXX XXXX loan Modification Agreement XX/XX/14 which is a conventional mortgage loan, I did not signed consent to a XXXX  XXXX  mortgage loan or any other conventional mortgage loan. Both are improper and misleading and misrepresented. See Exhibits A B and C
Product: Debt collection

I sent several letter for L J Ross Associates to validate the date because I never had a XXXX, they sent me a final bill with an address that I never lived at, I then sent correspondence to them asking them to let me know when it was opened and when it was closed and explaining to them that the account was not mine, they never responded after that and the are still reporting on my credit report as well as sending updates to the credit bureau, How can they verify and send updates to the credit bureau but fail to respond to my correspondence.
Product: Checking or savings account

On XX/XX/XXXX i got a call from XXXX XXXX and the man asked if i approved of some transactions on my venmo account and i said no..he proceeded to transfer me to the fraud department... so he said ..i was brought through a chain of actions to supposedly stop the fraud.. be fore i knew it they had me transfer {$2000.00} ... and a separate {$440.00} to a XXXX XXXX ..he said he was the fraud specialist..and those were the code amounts to freeze the money from the scammers.. i knew the second i sent it i was taken ... i contacted my bank ... XXXX XXXX and Venmo to get help and they both said they couldnt help ? ? if this person has a Venmo account and is stealing why cant they help?? please help me and let me know what i can do... i badly need this money for my rent..thank you in advance for any help you can be..have a nice day... XXXX XXXX XXXX
Product: Debt collection

On XXXX I requested validation from Midland Funding on a {$650.00} debt they are reporting on my credit file, they responded however they did not satisfied validation of debt, I responded back on XXXX telling them that they did not satisfy debt validation to provide original contract and sale agreement. 

Today XXXX I pulled my credit report, and they never furnished the credit reporting agencies about the account being disputed. 

I am sending them notice today that they did not furnish the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never lived at the previous address listed see letter enclosed for dispute
Product: Credit reporting or other personal consumer reports

I HAVE PERSISTENTLY CONTESTED THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, XXXX AND TRANSUNION. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AS OF NOW. 


XXXX : REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX : REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX TransUnion : REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX, NV, XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I applied for a credit card from Capital One in XXXX of 2024 and they put XXXX hard inquiries on my credit reports I would like to get one taken off that was only one inquiry done same company same day same hard inquiry
Product: Credit card

XX/XX/2023 I was approved for a Target Red Card in which I applied due to a {$40.00} promotion they were offering on their website XXXX. I got my card in the mail and I was supposed to receive the {$40.00} promotion along with my card. I called and asked why I did not receive the {$40.00} promotion and they said I didn't qualify, because I didn't apply in time. I told them that I clicked on their {$40.00} promotion Ad online and that is why I applied, because of the {$40.00} promotion. After further research and hold time, the target card representative came back and said oh yes you do qualify, I will send it in the mail. I never received it, so I called back a few weeks later and they told me that as a one time courtesy, they mailed the promotion already and would be able to send another one. I told them I never received it, and they said they can not do anything. 
XX/XX/2023, I mailed them a letter to the corporate office which I have documented requesting my promotion. XX/XX/XXXX, they responded that they already sent my coupon within the past 12 months and won't be able to send another one. If I had any concerns to contact the customer service number. I contacted them and spoke to a Supervisor, XXXX who said he only has access to resend the coupon once. I told him everything mentioned above and how it has been such a huge inconvenience in order to get my promotion and he said he can't do anything, so I filed a complaint with him reference # XXXX to be escalated to upper management. I explained that this is a fraud and a scam they should honor their promotion and this is against the law. Its a shame I have to report fraud against a credit card company itself that I am supposed to do business with. Target, a big, well-known, and respected American Retail corporation. What a shame that I have to make such effort as a consumer and spend my time and energy to fight this {$40.00} promotion, but here I am. I will also be filing a report with the California State Attorney General Regulatory Office as well and possibly filing a class action law suit. This is not about the {$40.00} promotion at this point, its about the integrity of Target Corporation in which I no longer feel comfortable doing business with. I feel taken advantage of, scammed and mistreated. Bottom line, this isnt right!
Product: Debt collection

I attempted to pay XXXX XXXX XXXX XXXX XXXX the full amount that I owed from an emergency room visit on XX/XX/XXXX, and made monthly payments of XXXX dollars, for 7 months. I received a call in XX/XX/XXXX from a company called Financial Data Systems, telling me that I owed XXXX XXXX XXXX, a company that I never heard of nor authorized service from, a large amount of money, and that that amount was now in the possession of their debt collection agency ( Financial Data Systems ) .I never received an email, letter, or call from XXXX XXXX XXXX telling me what, how much, or why I owed any money, and still do not understand the charge, prior to it being transferred to collections. I also never received or signed any form at XXXX XXXX XXXX XXXX XXXX on or after XX/XX/XXXX authorizing a bill from XXXX XXXX XXXX. The charge from XXXX XXXX is now negatively impacting my credit score as it is in collections, when I never knew about nor authorized the charge. I have had another poor billing situation with XXXX XXXX XXXX XXXX XXXX in XXXX, telling me that I needed to come in for a XXXX XXXX XXXXXXXX in XXXX, and was told by the patient representative at my appointment that my insurance would cover the cost of my visit. To my dismay, the XXXX visit was not at all covered by my insurance and I was not offered any kind of financial assistance or explanation from XXXX XXXX XXXX XXXX XXXX XXXX, and my debt was sent to a company called XXXX, despite trying to resolve my complaint with XXXX XXXX XXXX XXXX XXXX. This hospital system makes erroneous charges and misrepresents when, what, and from whom they are billing for services.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.