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

in XX/XX/2019 XXXX XXXX reported a charged off account against me in error.   my transunion credit score decreased over 40 points - i disputed this with transunion - meanwhile - i communicate this error with XXXX and they agreed to remove the information from all three credit agencies - this was back in XX/XX/2019 - the other agencies have removed the item but transunion has not.  i filed another dispute with transunion under the reason "creditor agreed to remove this item" but this has not resulted with transunion correcting this error. then to make matters worse - on XX/XX/XXXX - transunion (reported by XXXX XXXX) dropped my score another 30 points but there is absolutely no reason for this - in fact THE ONLY CHANGE that occurred for my account was TWO POSSITIVE events - two collection accounts were REMOVED - leaving me with 0 collection items.  why would two positive events cause an additional 30 point drop.  transunion could not  provide me an explanation via phone - so considering this is the SECOND issue that i can not resolve with transunion - i am requesting assistance from crpb to assist me in resolving this 70 point decrease that can not be explained nor justified - the fair credit reporting act REQUIRES transunion to correct these errors immediately as it is causing me financial and employment issues.  i could sue them for interference with economic relations as this 70 point error is impacting my ability to obtain new employment and purchase a vehicle for transportation to and from work.
Product: Credit card or prepaid card

I originally disputed this under the following complaint number : XXXX. I suffered an injury and was unable to respond in time and want this reopened. My card was closed after 2 failed payments ( both of which were due to my ACH accounts being replaced due to fraud. Was told if I made a payment they would submit a request to reopen my account, I made one for $ XXXX {$1500.00} and was never told a hard inquiry would be ran. I am happy to pay the balance in full, but I want my card reopened. My XXXX was hacked and funds were used without my authorization, hence why the payment failed. I've attached documents to support this.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violations Not My Credit cards XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$16000.00} Status Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$110.00} written off. 
NOT MY ADDRESSES XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family NOT MY PHONE NUMBERS ( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential NOT MY NAMES XXXX XXXX XXXX XXXX XXXX NOT MY INQURIES XXXX XXXX XXXX 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 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 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  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 Inquired on XX/XX/XXXX On record until XX/XX/XXXX 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 COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX I tried to get all XXXX of my credit reports at XXXX. It only gave me XXXX report even after I tried XXXX times to enter my complete information. After entering the correct capcha it would only return me to the first page to enter data all over again. I have not seen nor requested to see any of my credit reports for several years so that can not be the problem for why I was denied seeing my reports.
Product: Credit card or prepaid card

On XX/XX/2019, I was called on my landline by XXXX. I was told by XXXX XXXX, he was a network telephone support expert. He asked me if I was using my computer, I said no. He said well you won't be able to your security has been compromised. I opened up my laptop, he was right.I documented the case ID XXXX.he proceeded to say he wasn't able to obtain the security key and serial number on all my devices, he continued with we have to change the security key by obtaining physical XXXX security cards in the form of gift cards. When I questioned that, he said after you make the purchases, you will go home and go to your e-mail account and be able to see the XXXX Refund Receipt. Initially I went to XXXX, purchased 2 {$500.00} dollars gift cards with my American Express card. I opened my laptop, which was now working, went to my e-mail,, with an XXXX refund receipt. ( I have been a XXXX user for many years ). I have copies of everything. He called me back 10 minutes later, and said, it helped to get my computer to work, but my computer was not safe, the cards were old and it didn't work.This happened two more times to the total amount of {$8000.00}. I immediately, notified the local police, the FTC, the FBI, XXXX XXXX, and American Express.They told me not to worry, i would not be held accountable, due to my credit worthiness and history with them, and also my credit habits do not reflect such an obvious scam. I have been receiving bills and finally a debt collector notice. Ive been a XXXX for 38 years, was unemployed when this happened. I am currently working and I just received my first paycheck. Mind you I am 2 months behind on my mortgage. Which says so much about why I wouldn't be purchasing anything from anybody. Please help me, Sincerely, XXXX
Product: Debt collection

XXXX XXXX account XXXX I closed this account and returned all equipment by mail because of COVID-19 shut down store closures. I returned three items in one box. Two of the  three items That were shipped to XXXX  were credited to my account, which reflects they received the shipment. They appear to have lost one of the items that were returned.

I have called multiple times and been through the exact same process. They open a ticket, they look for the equipment, they dont find it, and they tell me I owe. I DO NOT OWE, I RETURNED THE THREE DEVICES IN ONE BOX. They on acknowledge receipt on two of the items. How can I prove they made an error? 

In spite of my dedication in calling to get this resolved they refuse to take responsibility for their error. They sent this to collections. I explained to the collections company, gave them my ticket numbers, but they have reported me to the credit bureaus. ( The collection agency was horrible! ) This is like extortion!
Product: Credit card or prepaid card

Got accepted for Citi AAdvantage XXXX XXXX. 
Citi will not activate card or close card or send letter in a speed fast enough to catch my location on 100 % travel.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours, stating the account is accurate without providing any evidence of a thorough investigation. This practice violates The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( FILE No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. The accounts reporting inaccurately are 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 checked my report and I noticed inquiries on my XXXX and Experian report that don't belong to me. I don't know why they are there but I never tried to apply for anything through these companies. Also Accordint to the Fair Credit Reporting Act section 604 - 15 U.S.C. 1681b these inquiries shouldn't be there I didn't authorize any of them to pull my credit. 
XXXX. 
1 ) XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 ) XXXX  XXXX XXXX  XXXX XX/XX/XXXX Experian. 
1 ) XXXX XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 3 ) XXXX Co XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

After selling our company their credit card reader for {$330.00}, Square has decided it no longer wishes to provide customers support services to XXXX XXXX XXXX and our employees and staff. Square can refund the cost of the reader and close our account. No problem. We will find another company who wishes to provide support for their customers.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX - XXXX - The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to transunion to correct an error they are reporting on my credit report- they have yet to correct it or respond and this is a serious reporting error that is damaging my credit. 

Ive included the copy of my credit report showing thy are reporting an incorrect payment status on a closed/paid in full account. 

They need to correct the payment status to " PAID AS AGREED ''
Product: Checking or savings account

On  XXXX / XXXX /  XXXX  , I noticed my  Capital One ch ecking account was debited {$210.00}. I did not authorize this transaction. I began to research where this transaction  may h ave came from and I noticed it was credited to my mother 's checking account. I contacted my mother and she verbalized she did not make this transaction nor is she allowed to. I contacted  Capital One  customer service and spoken with a representative who instructed me to have my mother contact them because the transaction was made to her account due to her account being overdraft. The representative stated once my mother contacted them the transaction would be reversed. I, then, contacted my mother and contacted  Capital One  customer service with my mother on the other line. We provided a new representative with our information when she then provided us with different information from what the first representative stated. She stated  Capital One has the right to take from any account with my mo ther 's name attached in order to make her account positive. My mother and I verbalized to the representative that this have never happen during the longevity of our membership with  Capital One.  The representative became very irate and began to practically yell at us the right of  Capital One to take from  a account. The representative was quite rude to my mother when my mother pulled up her policy disclosure stating, " If we mistakenly credit your account for funds to which you are not the rightful owner, we  may  deduct funds from your account, even if this causes your account to be overdraft. We  may do so at any time and without prior notice to you. '' My mother is not the rightful owner of the funds  taken out of my account. The only reason her name was placed on my account because I was a minor when my father was ordered to pay for child support by the state of Louisiana. I am now  XXXX  years of age. I have had many minor discrepancies with  Capital One , yet this has become major.
Product: Credit reporting or other personal consumer reports

What I am addressing is what I believe is a Predatory practice being used by the Credit card agency to create revenue using demographic information which includes, ethnicity of which all agencies have, and proceed social economic status basis on debt-to-income ratio. The use of this algorithm and this XXXX Score XXXX is a method used to increase the revenue for the credit card agencies that are advertising on your credit report feed using high interest offers of over 30 % using a low XXXX XXXX ( XXXX ) to increase the potential revenue for credit card agencies. This is done by using ambiguous reasons as in my case, Payment History, Credit Age and last and the most offensive is XXXX Inquiries history. Lets start with PAYMENT HISTORY : I'm XXXX XXXX XXXX, ( not XXXX XXXX XXXX ). I'm not in debt to anyone. As a license Insurance broker with an earning potential of well over XXXX a year in the past years prior to the pandemic. I have purchased and owned a home, paid off several automobiles and pay as agreed a XXXX student loan which I believed would increase my credit score only to be informed that it has been lowed. Which bring me to the CREDIT AGE : Again, I am XXXX XXXX XXXX. My student loan which was initiated in XXXX - XXXX paid as agreed and paid in full in XXXX. Home loan, auto loan and XXXX XXXX all paid as agreed, and I'm presently in no debt. So why at this point is my credit profile indicating that my CREDIT AGE NEEDS WORK. Last and the most offensive is my XXXX XXXX XXXX totaling only XXXX over a year & half old ago. XXXX of which were conducted without my permission at an auto dealership. The use of this Vantage Score XXXX system ( LOW XXXX XXXX XXXX ), using the ambivalent reasons and the adverting of High interest rate credit cards on my profile feed, all indicate a Predatory purpose to get certain American Citizen in increasing debt, by lowering your score and providing information that the process of applying for and receiving high interest card with low available credit ( SMURFING ) High % rate on a small amount of money available for use, Is the way to improve your credit. This behavior by XXXX ( XXXX XXXX XXXX ) and Transunion ( XXXX XXXX XXXX ) both using the same algorithm XXXX Score XXXX is a predatory practice. XXXX ( XXXX XXXX XXXX ). That along with failing to update the correct information which in my case was employment information that was over 2 years outdated and fail to reflect the correct debt to income ratio in their system by only using certain information that appears to validate their low XXXX XXXX in their system. That fact that you can't dispute your XXXX XXXX with these agencies, and they only provide you with XXXX or XXXX ways to improve your score further, ( XXXX ) High % rate on a small amount of money available for use advertised on your credit profile feed, further indicate the predatory nature of this practice. This one of the major reason XXXX are so deep in credit card debt. Again, this is a Predatory Practice.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Mr. Cooper has failed to pay my taxes, failed to reimburse me for my fees and interest I paid because they did not pay my real estate taxes, and failed to add the new parcel on my account so this wouldn't happen again. A year later I am going through the same motions of failed tax payments, house being put up for auction, and long overdue bill with fees and interest with promises of resolution this time. I am doubtful of success after the last 3 attempts to resolve this with them. 

I purchased my house in XXXX of XXXX through a different lender ( Nationstar? ) where it immediately changed hands to Mr. Cooper. My house has 2 parcels which were purchased appropriately, but in XXXX of XXXX, I received a letter of delinquent taxes for the one of the parcels where they didn't pay the taxes for the entire year and are about to put my house up for auction. I immediately paid the bill with fees and interest, where Mr. Cooper told me over the phone that they missed XXXX of the parcels with the Escrow Tax payments, were very sorry and have added the parcel back, and will reimburse the fees and interest. After no progress or update was done, I called back where I was able to get a confirmation email that they were supposed to have added the parcel back in, and are working to pay me for the fees and interest accrued throughout the year XXXX. No response or action despite follow-up calls, escalations, and faux promises. 

Currently, I have received yet another letter that I have a few weeks to pay this Real Estate parcel tax bill that Mr. Coper has failed to pay ( again ) or my house is going up for auction. 

I have no faith that Mr. Cooper will resolve this issue nor make restitution for their errors where I am looking for outside or legal assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 different accounts on all 3 credit bureau reports that are all incorrect. I have recently sent a dispute to XXXX and I'm waiting on results. When I looked at my XXXX  report the accounts are present, but they did not show up when I tried to complete a dispute with XXXX. The problem I'm having is with XXXX. I attempted to dispute these same 3 accounts and I was told that because I have tried to dispute these years ago, I can not dispute them again. XXXX has not shown me any documentation that states these accounts are correct. What else can I do to have these accounts removed? I have no contract ( and never have had any ) with either of the companies. I am currently working with XXXX XXXX in which they have sent out several letters on my behalf only to get no response.
Product: Checking or savings account

I would like to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred on my debit card. Although I had sufficient funds while making authorized transactions, I was still charged fees due to delinquency of the posting of charges and/or credits. I would like to request an investigation of my account for the unfairness of insufficient balances due to negligent statements. I also see that this has been an ongoing issue with other navy federal members, via CFPB findings.