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

In the process of obtaining a XXXX-figure home mortgage loan, I recently had the opportunity to review a copy of my credit report at the Equifax, XXXX and XXXX consumer reporting agencies. Contained therein was an account for XXXX XXXX XXXX under account number XXXX. <P/>XXXX purchase in XXXX, XXXX - it was traded in without a single delinquency in XX/XX/XXXX With that said, the Equifax, XXXX and XXXX credit reports each contained XXXX single 30-day delinquency. This reported delinquency negatively impacted my credit score. <P/>I disputed the erroneous late payment with XXXX XXXX XXXX, in addition to Equifax, XXXX  and XXXX. It was my contention that this account was never delinquent. <P/>On or about XX/XX/XXXX XXXX caused this account to be " updated '' at the Equifax, XXXX and XXXX to show 31-60 days for the month of XX/XX/XXXX - 5 full years after the account was closed. <P/>My credit score at the Equifax, XXXX and XXXX consumer reporting agencies immediately dropped more than XXXX points as a result of a " current '' delinquency being reported. I am now in serious danger of losing my mortgage approval, in addition to a six-figure deposit. <P/>I contacted XXXX, in addition to Equifax, XXXX and XXXX to report the error. XXXX XXXX advised that the account was reporting correctly and that I should take my complaint directly to the credit bureaus. <P/>I entered a dispute on XX/XX/XXXX with Equifax, XXXX and XXXX but was advised that it would take 30 days to complete the dispute. This is unacceptable. Not only have I never been late on this account, the account is now reporting currently delinquent as if I was late in current time.
Product: Credit reporting or other personal consumer reports

I have discovered an unauthorized account on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed to XXXX, Transunion, and XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.
Product: Mortgage

I am attempting to get PMI removed on my primary residence. Currently I owe {$120000.00} on the home and the tax evaluation sits at {$220000.00} as of XXXX. On XX/XX/XXXX I had a money order drafted in the amount of {$190.00} per instructions by my Mortgage lender NewRez, I mailed this that same day, on XX/XX/XXXX NewRez finally cashed the check that I had sent them over 30 days prior, It then took me complaining twice via instant message with NewRez to get them to setup the home inspection. Finally on XX/XX/XXXX the home inspection was completed, the inspector insured me he would be sending out the inspection results that evening. Since then I have reached out to NewRez twice, the first occasion was on XXXX at that time I was told I needed to wait an additional XXXX business days, the second occasion was today on XX/XX/XXXX when I was told to wait multiple different amounts of time. First it was another XXXX days, then XXXX days and finally XXXX days. All of this seemed like additional stalling tactics. As of today NewRez has charged me PMI twice since cashing the evaluation check, I feel they are intentionally dragging their feet to continue to charge me worthless PMI principals.
Product: Credit card or prepaid card

I recently applied for a discover credit card because my credit score has increased and I'm in a better financial space. It was denied and it says because of a previous status of an account. I have never had any services with this company before and also there is no record of this account on my credit report. 

I have reported this issue to them before and was assure that it was resolved and that I would be able to apply again and I received a letter being denied because of previous account status. 

If there is an account it was opened in fraud and not by me. When I called the representative the account was was closed and paid off this is not my account. I need your help in getting the credit card company to review what is going on...
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been use on the dark web of my personal information and a name that I have never gone by at all
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Credit Card is listed on my credit report. I did not charge anything on that card. It was fraudulently used by someone other than me.
Product: Debt collection

On XXXX XXXX, I received a 'Collection Notice ' letter in the mailbox, dated XXXX XXXX, 2016, from ERC , of XXXX Florida . The Creditor is XXXX XXXX XXXX XXXX. The claimed debt amount is {$700.00}. I tried but failed to find an appropriate option for cases of fraud in the phone tree within the customer service number at XXXX ( XXXX current parent company ). I am not and never was a XXXX or XXXX customer, and unless you are, there is no way to get to a real representative. Since I have only recently been hearing about ERC, I do not feel comfortable yet contacting them directly.
Product: Checking or savings account

On XX/XX/year>. I requested a charge back from XXXX. One of the XXXX  rented my family of 35 people a house. We are from XXXX XXXX and we went for XXXX  busy week. On arrival from our long trip there we started to cook there were roaches falling from the vent onto our food. I reached out to the host who said he would spray with a house full of people with no where to go because we are from out of town. I told him there were several asthmatics in the home so he would have to make arrangements for us to be out somewhere because we had no where to go and it was 35 of us and this should have been handled before we came. He didnt give us any other options so that the home could be sprayed so now 35 persons have all this food bugs are getting into and all he wants to do is spray? What about changing the home so our family could be comfortable. Now I have 35 people where food has to be stored in a home with roaches and severely allergic individuals now our holiday after losing my mom is ruined. I dispute the XXXX with Bank of America. I havent heard anything since 40 days ago. The rest was with XXXX XXXX which wont charge back at all. We should not have to pay over XXXX for pure inconvenience and infestation. Its very unfair that in the description it didnt say the kitchen had roaches I have a few photos which I sent to the host which he replied that those are XXXX  XXXX bugs which he has XXXX XXXX to take care of. But I feel it is also his responsibility to make sure its being done. You cant rent a home with an infestation. That is a health hazard restaurants get closed down for such disgrace.
Product: Checking or savings account

On XX/XX/17 there were 2 unauthorized withdrawals from my checking account in the amount of {$500.00} x 2 on XX/XX/17 there were another 2 unauthorized withdrawals from my checking account in the amount of {$500.00} x 2 Total amounts for all four transactions were : {$2000.00} I disputed this with Bank of America and after waiting they sent me a letter stating that the withdrawals were valid as it was an ATM which required a pin ... however, I did NOT authorize this and informed them of it many times through numerous conversations with them but they closed the case and would not re-open. 

I need help in receiving this unauthorized fraud charge. Thanks.
Product: Debt collection

Identity was stolen in 2019 and has been getting used by the ID thief for several years after.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America thinks they do not have to follow the FCRA or other state and federal laws. I sent many dispute letters and a CFPB complaint and they have still not gotten back to me in 30 days and STILL have not provided me anything I asked for.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was scam victim via XXXX when someone pretended to be my friend using his Whatsapp account, he asked me a favor to send a money to another person using her name and phone ( linked to XXXX account ) which I proceed to transfer {$200.00} via XXXX from my Chase account, I did because I assumed XXXX was safe, secure and trusted ( wrong ). Then he asked me for {$250.00} more, so I started suspecting of a scam and I called him to his phone number to ask about this favor, which he denied. I started my claim process calling to Chase ( none available to speak ) only automated services which doesn't have any options for this. 

Now XXXX doesn't have acknowledge responsibility ( none to talk ) and the bank also denies their own responsibility by saying, you did authorize the transaction. My complaint now is who verify XXXX accounts ownership? can " anyone '' use " anyone 's '' phone number and open a XXXX account on behalf " anyone ''? I spend one hour of my time being transferred 4 times and explain same thing to different customers representatives and at the end they said " we are not responsible for that, it is your fault ''. I am not trusting XXXX nor Chase to do any online transaction, thinking closing my accounts there too. 

I am 80 % sure that the person who owns the phone number doesnt have knowledge about what happened to her account with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX XXXX XXXX XXXX must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. Below is the account that need to be removed : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment on XX/XX/2020 to my Chase Freedom credit card in the amount of $ XXXX. I have a credit limit of $ XXXX. I tried to use my credit card for a company purchase yesterday and it was declined. After I made my XXXX payment Chase immediately reduced my credit limit buy over half. They reported incorrectly to the credit bureau in XXXX. With my payment it should have been reported to the credit bureau that I was only at 50 % utilization however they reported that I was fully utilizing the card and was maxed out. They did not give me 30 days notice of the decreased credit line. I did not receive any notice whatsoever. I was only made aware once my card was declined. If I was aware that my credit line was reduced I would not have made such a large payment. I called to try and resolve and the Chase said they did not need to let me know of the reduced line of credit. They also would not report correctly to the credit bureau.
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 XXXX XXXX XXXX. 

XXXX XXXX  XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX  XXXX, Account # 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 items of information, other than records of convictions of crime 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: Checking or savings account

I call the bank over twenty five time since XX/XX/2024, the phone call was answer from call center they asked me to send a letter to the bank in XXXX XXXX XXXX, I did send CERTIFIED MAIL WITH RETURN PROF OF DELIVERY on XX/XX/2024, was delivered onXX/XX/2024
Product: Checking or savings account

on XX/XX/2023 Chase Bank closed my account ending in XXXX with a total fund amount of {$59000.00}. I have been calling non-stop to request my funds and still haven't received them nor an expectation towards when I will receive them. I really need my funds to pay my rent, utilities and groceries. I have been struggling financially due to Chase holding my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw an UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SS Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX
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. XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX  : # XXXX, US DEPT ED : # XXXX, XXXX/DOFED : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX 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: Debt collection

On XX/XX/2022 a collection for {$3200.00} USD posted to my credit report as collections. I am POSITIVE this is false. 
The supposed collections company is called Harvard Collections ( address in XXXX ) the phone number for them is XXXX XXXX XXXX. A woman answered immediately asking for my social security number. When I told her this was fraud and I felt uncomfortable giving that over the phone and I just wanted to speak XXXX someone to make a complaint to try and fix this, she HUNG UP ON ME!! I called back multiple times with no results and have since researched this place ( Harvard Collections ) and realized they have a SLEW of complaints posting crazy collections to people 's credit reports that are completely FALSE! 

I would really appreciate if someone could fix this for me asap and stop these people. My credit score dropped XXXX POINTS within days of this fraudulent collections claim. I'm devastated right now as I have a 100 % payment history and am extremely serious when it comes to my credit & credit history. 

Please help me!
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX I submitted a dispute regarding the following accounts below that are on my credit report. 


XXXX  Account number XXXX Date opened XX/XX/XXXX I also reached out to the companies for validation of debt asserting FCRA rights under Section 609 and they have refused to provide me with this information. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. I have been researching and looking up my rights as a victim of identity theft and also as a consumer I am entitled to protection under FCRA law 15 use 1681 I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 the creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated.
Product: Consumer Loan

Conns Furniture gave me a high interest rate loan. 
XX/XX/XXXX, I became ill. and fell behind two payments. 
The payments have since then been paid in full. 
The constant harassment of calling from XXXX different phone numbers continues. The calling of friends and family members continues, when asked that they stop. They said they would when they received XX/XX/XXXX payment. In regards to the Fair debt Collections Practices Act. and The Fair Credit Reporting Act. I really need for Consumer Financial Protection Bureau to step up and give real assistance. I have continuously filed complaints with CFPB, Since XX/XX/XXXX and now XX/XX/XXXX. As long as these loan companies are vendors to the repositories they will report whatever they like and they really need to be held accountable. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$21000.00}
Product: Debt collection

This complaint is in reference to Credit Control R # XXXX. I received a letter stating that I was referred to collections for an account I am not aware of, is currently not on my credit report and allegedly became delinquent 9 years ago. This is the second company with my PII and attempting to collect a debt that is not mine. I am disputing this outrageous defamatory, reckless and harassing claim that has put me under emotional distress. I do not recognize the debt they are referring to and it is outside of the statute of limitations, both State and Federal. I fear that this institution will report a debt that does not belong to me which would damage permanently my high credit score. I am contacting legal counsel for advise and please be advised that if my outstanding credit history and credit score are affected by this company and their abusive letter, I will seek restitution, and compensation for material damages as a result of injury to my credit, furthermore, I will seek compensation for undue stress, pain and suffering, and will further refer this to regulatory agencies to investigate potential FCRA, FDCPA non compliance by this company that is currently harassing and threatening me with unfounded claims. Please note that not only the claim is false and borderline slanderous but it is predatory in nature as they are attempting to collect XXXX for an alleged debt of XXXX. Furthermore the letter sent to me is not compliant with the required disclosures as mandated by NY State. Please note that I attempted speaking with them and they refused to talk to me unless I gave them my DOB and SSN. They are not my financial institution and will not get PII that could expose me to ID Theft. The first rep was arrogant and rude, he hung up on me ; the second one an alleged manager was more cordial but still non cooperative. All this can be evidenced in the call recordings from XX/XX/2022 at XXXX and XXXX XXXX XXXX
Product: Debt collection

A collection account is showing on my credit report from XXXX XXXX. I have no knowledge of this company. I have never entered into a contract with this company. In a previously filed complaint against XXXX, I have requested written proof that I owe this debt. I request he name, address and phone number of the person that verified/validated this debt. I am requesting a signed contract showing that I have entered into some kind of agreement with XXXX XXXX. I am in the process of trying to purchase a home and this collection is prohibiting me from that.
Product: Mortgage

I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently 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.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax '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 proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that Ive reported as inaccurate : ( XXXX XXXX XXXX ).
Product: Debt collection

I have received letters of an amount owed XXXX} from a clinic that I never went to, someone used my identity for the services of that company, I have tried for more than a year to talk and resolve the situation and it has not been possible. The invoice was successfully disputed and withdrawn from XXXX and XXXX after investigations that prove that the debt does not belong to me, however experian continues to reflect the collection, I need this debt to be removed, it affects my credit and my opportunities to take out a loan
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I have no knowledge of this, and the company proceeded without my authorization.