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

I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report Chapter XXXX Bankruptcy, XXXX XXXX XXXX, XXXX XXXX ( Acct XXXX and XXXX ), XXXX XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I had 2 inquires reported. I reported fraud about these inquires I didn't apply for credit. Experian score before the inquires placed on the credit report was XXXX. After the inquires placed the score went down XXXX. I called Experian and disputed the inquires. They deleted the inquires and my score still XXXX. I called them to inquire and they had nothing to say.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized inquiry on my credit report from XXXX on XX/XX/2019. I have written to Experian and they have not responded to my claim. I have placed a fraud alert on my credit report to deter possible future fraudulent inquiries and account openings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED AND SPOKE WITH XXXX AT EXPERIAN, WHO IS THE SUPERVISOR, TO REMOVE ITEMS FROM MY CONSUMER REPORT AND WAS TOLD THAT THE ITEMS NEEDED TO BE DISPUTED. I INFORMED HER THAT I NEED THE ITEMS REMOVED IMMEDIATELY DUE TO EXPERIAN NOT HAVING MY WRITTEN PERMISSION TO FURNISH ANYTHING ON MY BEHALF. I ASKED XXXX IF EXPERIAN DOES IN FACT HAVE MY WRITTEN PERMISSION, AND ON A RECORDED CALL, SHE STATED NO. THAT IS A VIOLATION OF 15 USC 1681B ( A ) 2. IT IS ALSO A VIOLATION OF 15 USC 1681 ( A ) 4.NOT ONLY HAS EXPERIAN VIOLATED TITLE 15, BUT THEY ALSO VIOLATED THEIR OWN PRIVACY POLICY WHICH STATES " WITH YOUR CONSENT : WE SHARE YOUR PERSONAL INFORMATION WITH THIRD PARTIES YOU EXPRESSLY AUTHORIZE, CONSENT TO, OR DIRECT US TO SHARE YOUR INFORMATION WITH. ''
Product: Prepaid card

On XX/XX/XXXX I attempted to make a purchase with the {$50.00} Amex Gift Card that was given to me as a gift but unknowingly it was getting declined multiple times, I've tried at least 3 different vendors which all have denied use. I attempted that night to request the balance on my card through their website AmexGiftCard.com/balance and whilst inputting all the correct information still refused to give me any balance. So I contacted the phone number on the back which told me the balance but did not give me information on how to get my card to go through with the vendors which leaves me stuck and incapable of using this card through major vendors including XXXX.
Product: Credit card or prepaid card

I booked a flight on Southwest Airlines and they had a promotion- {$200.00} statement credit for new card accounts after spending {$500.00} in the first 3 months. I was a new card applicant, I spent {$1000.00} on eligible purchases in the first month, but received no statement credit. When I called Chase the credit partner for the Southwest Rapid Rewards Card I was told I wasn't eligible for those benefits. When I asked why they could not give me the advertised promotion / benefits even though I met all criteria they said it was based on how I applied. I applied on XXXX when booking the flight, which is where I saw the advertisement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Credit Reporting ( Experian ) havent been given me credit to my Credit Score! All my accounts has been reporting great standard. They have been keeping my score at stand still or sometimes decrease for no apparent reasoning! They drop my Credit Score XXXX points for no reason. I called Experian & told me to call XXXX Score Reporting about my XXXX point decrease. So I called XXXX Score Reporting and they told me to talk to Experian. So neither one could give me the reasoning for Credit Score deceasing when all my accounts are reporting great standing
Product: Credit reporting or other personal consumer reports

Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

This recurring issue not only causes me significant stress and inconvenience but also undermines my confidence in your organization 's ability to handle such matters competently and effectively. It is unacceptable that despite multiple attempts, the fraudulent items remain unresolved, casting doubt on the reliability and accuracy of your record-keeping processes. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my credit file. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> XXXX
Product: Credit reporting or other personal consumer reports

I spoke to a representative at Equifax on the phone on or about Account XXXX XXXX and they informed me that they'd received my documents in the mail In XX/XX/2023 showing them that this Account Should read as Paid/Closed as it shows on XXXX with no Balance! It is the duty of this entity to furnish accurate information and in this case Equifax is Intentionally VIolating the Rules of the CFPB and The FCRA in it's entirety by Reporting Information that they have been made aware that is fully inaccurate and incorrect. ( see attatched files of credit report ) This is causing the Consumer mental anguish because Equifax told the Consumer that they're not going to make any changes nor open a Reinvestigation unless they recieve a letter from their Customer XXXX who pays for a subscription to Equifax services. The Consumer produced legal Documents showing that the Consumers file was updated on XXXX and that Equifax should follow suit but Equifax refuses.2. It's been well over 30 days since the initial Complaint, and not only that they are clearly violating the Law Knowingly and Intentionally! Without fear of being held accountable! 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

also the following applies : ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit. Equifax has clear disregard for these rules and regulation as proof will show below in the attached.
Product: Credit card or prepaid card

PayPal Credit, somehow ( either when I inadvertenly placed an order on XXXX, hit " PayPal Credit '' ). Since then, I've received constant bills from Paypal, in which the amount continues to increase, although I've NEVER used this " line-of-credit '' in any form. I understand that the Consumer Financial Protection Bureau already has fined PayPal with a {$25.00} XXXX fine on behalf of consumer protection violations. 

Please kindly investigate, as this may also be affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The accounts listed below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I contacted XXXX, Equifax and XXXX to reinvestigate the following accounts : XXXX. XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00}, Partial Account Number : XXXX XXXX. XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00}, Partial Account Number : XXXX. 
However, they stated everything was complete and accurate but that is not true as the open date, date of the last activity and much more are incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isnt reporting correctly.

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 an 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. 
Also, XXXX, Equifax and XXXX are not even in compliance with XXXX credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

This is my 11th 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 an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance : {$0.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$480.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo bank over chargeing my account take moneys out that wasn't their pay venders and charge mee fees and closing my account with just oweing them fees that they returned the payment to venders lawsuit has been filed and I had a checking account between XXXX and XXXX wasn't compensated for their lawsuit that happened that they have too pay consumers
Product: Debt collection

Rubin & Rothman LLC XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Fax : XXXX License Number : XXXX Rubin & Rothman LLC is trying to collect {$3100.00} I have never had any financial or contractual relationships with Rubin & Rothman LLC , I LLC d/b/a XXXX XXXX XXXX. XXXX XXXX or " XXXX XXXX '' This is Invalid, Fraudulent ( Scam ) or an Accounting / Data Entry or Mistaken Identity.
Product: Debt collection

This is a medical billing of which I am not aware, especially, since the medical provider wanted me to drive a long distance to their medical offices in XXXX, Georgia, in order to participate in some ridiculous research program, which was very discriminatory regarding XXXX people, although other races suffered from the same XXXX XXXX, as I did. 
I do not know what the billing was all about, because I had to see a different XXXX XXXX to have my problem solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month I disputed XXXX with Equifax and unfortunately nothing changed. The credit bureau failed me with this dispute. Due to Equifax not doing their due diligence I've had to fight this matter on my own. As of today with my attorney 's assistance I received some resolve regarding this matter. XXXX has stated that they will remove the erroneous derogatory information that they have reported to my consumer credit file. 

Please see the attached documents and remove ASAP!!!!
Product: Debt collection

I received a letter dated XX/XX/2019 from a Winn Law Group,  this collection law firm In XXXX  threatening me with legal action and a judgement against me. I am not a resident of the state! The debt they are trying to collect was acquired in XXXX and has reached the 4 year statue of limitations to collect the debt in the state of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Consumer ID # XXXX To Whom It May Concern : It has been brought to my attention that { XXXX  XXXX XXXX acct # { XXXX } dated XX/XX/2020 has listed negative information on my file i have no knowledge of these accounts please remove asap thanks, ( XXXX  XXXX XXXX acct # XXXX XX/XX/2020 ( XXXX XXXX  acct # XXXX ) XXXX XXXX XXXX acct # XXXX ) ( XXXX XXXX  acct # XXXX } XXXX XXXX XXXX account # XXXX } i don't have no knowledge, of these accounts I am therefore writing to request full REMOVAL of this information as is my right underneath the Fair Credit Reporting Act. 

I request that these { negative listings } be permanently removed from my report. 

For your records, my contact information is as follows : { XXXX XXXX } - { XXXX XXXX XXXX XXXX # XXXX } { XXXX fl XXXX }
Product: Debt collection

A Destiny credit card was opened via identity theft in my name in or around XX/XX/XXXX. I ( inaccurately ) assumed the information I received about the credit card was a scam. After payment was not made on the credit card, it was sent to a debt collector ( XXXXXXXX XXXX XXXX  ) on XX/XX/XXXX, with a balance of {$990.00}. 
I contacted MCM in XX/XX/XXXX to dispute the charge, as it was fraudulent. They opened an investigation and found the charges to the card to be accurate. I was notified on or around XX/XX/XXXX. Well, yes, someone did use the credit card, but it was never me. They still expected me to make the payments to the {$990.00}. 
They listed next steps in order for them to continue their investigation. Steps included completing an FTC fraud affidavit.
Product: Debt collection

Capital Management Services called our home phone and also my husband 's cell phone. I called them back and they asked my name. I asked who they were looking for. Again they asked my name. I told them. The woman said there was a personal matter with me. Then asked my middle initial and the last XXXX of my social. I asked what this was about. She said they needed to verify who they were speaking with. I refused. She said she had my info. I asked what it was. She refused. She then asked me what my birthday was. I asked what the call was about and she would n't tell me. She told me I was not cooperating. I asked what this was about again. She would n't tell me. I told her not to call my phone again. I have NO idea who they are looking for and or what the call was about.
Product: Credit card

I opened an upgrade account and noticed strange things, each months statements was a seperate loan calculated at 26 % interest, ti date as I read it XXXX cave XXXX loans at 36 months with them calculating a total of over 130 % interest. The company seems to be using deceptive tactics as its marketed as a credit card. 
I emailed them to find out about paying off individual I guess loans and was told thats not possible as the company now milks me out of an estimated 130 % interest. I feel this is bad marketing and deceptive on their part and taking advantage of consumers.they also raised the interest rate with out legal written disclosure
Product: Credit reporting or other personal consumer reports

There are several credit inquiries and accounts opened under my identity between the dates of XX/XX/XXXX - XX/XX/XXXX. In addition, my personal debit card was compromised and I disputed the purchase made on a both my debit card and a XXXX XXXX account that i never opened. 

Unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX SYNCB/ XXXX XXXX XXXXXX/XX/XXXX Disputed purchases : XXXX XXXX transaction at XXXX {$280.00} on XX/XX/XXXX XXXX XXXX XXXX  card {$1600.00} XXXX XX/XX/XXXX - unauthorized credit card opened on XX/XX/XXXX XXXX / XXXX 's purchase {$160.00} - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

there's unauthorized and fraudulent charges on my credit report, these charges are Capital One card account number XXXX amount {$720.00}, date open XXXX is a charge off.
Product: Mortgage

We had a large water loss in our home on XX/XX/XXXX. As and interested party Shellpoint Mortgage is listed on insurance claim checks. I opened up a claim with Shellpoint on XX/XX/XXXX. Per Shellpoint 's procedures ( attached ) once they have received all required documents i must allow 7-10 business days for my initial draw. All documents were received and accepted on XX/XX/XXXX. Today XX/XX/XXXX is 11 business days and i have no funds. Shellpoint has requested a initial draw in the amount of {$27000.00}. Per their rules the initial draw is to be 33.33 % of the claim check. The initial insurance check was {$140000.00} so 33.33 % of that is {$47000.00}. The contractor is requesting {$57000.00} I have explained all of this to Shellpoint multiple times. Additionally it takes 4-6 weeks to get any building materials like floors, cabinetry, countertop, ect. We are living in a rent house and have limited funds allocated towards this. By drawling this process out is causing the reconstruction of our home to come to a stop. These delays are not only affecting the length of time that it will take to rebuild our home but is costing our insurance undo additional costs by extending this. Additionally per Shellpoint 's procedures they are to immediately release any funds allocated towards personal property without delay. In the initial insurance claim payment there is {$6900.00} for appliances and {$3100.00} for a total of {$10000.00}
Product: Mortgage

Our home flooded in XX/XX/XXXX. We signed over the insurance proceeds of {$130000.00} to our mortgage co. because the check was payable to them and us. We have received about 1/3 of the funds ( XXXX ). The mortgage co. sent an inspector this week who determined that our home is now 77 % complete. XXXX at DMI ( Dovenmuehle Mtg. ) informed us today that we can  receive reimbursement for any receipts we have for our renovation but the remainder of the money will be held by the mortgage company until we pay our mortgage in full. She said this is because we are acting as our own contractor. They were aware that we were acting as our own contractor and never told us that before. XXXX at DMI told me onXX/XX/XXXX that we could get the second 1/3 of the funds after we completed 50 % of the work, and that we could get the final 1/3 of the funds once we completed all of the flood renovations. Originally our mortgage was with XXXX XXXX in XXXX XXXX, but they told us DMI services it, so that is who we have been dealing with. I will send them all the receipts that I have. Your help is greatly appreciated.
Product: Credit reporting or other personal consumer reports

Pursuant to FDCPA Section 809 and FCRA Section 609 and Equal Credit Opportunity Act and 15 U.S. Code 1681b - Permissible purposes of consumer reports, you all being Transunion and XXXX and XXXX and all those you service/serve are ordered to delete each and every invalid inquiry and invalid account and inaccurate account and invalid missed payment and invalid account balances within five days of failure to validate the information as well as unequivocal record proof that each person reporting invalid balances was the absolute and very first issuer of the credit in extension from XXXX XXXX XXXX with each inquiry and account subject to 15 U.S.C. 1635 for lack of full disclosure and failure to disclose my right to rescind my signature
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card XXXX  account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

my current mortgage for the last 10+ years has the interest rate of staggering 5.25 %. I have always been a responsible borrower and made all payments on time. But because of the recent COVID-19 Pandemic, i am financially impacted and its taking a big toll on my budget. I reviewed my financial statement and realized if i can get my interest rate lowered, I can try and bypass these tough financial times to avoid getting into deep XXXX. After calling several times and then finally on XX/XX/2020, In a written request to Arvest central mortgage bank, i requested mortgage relief by lowering my mortgage interest rate so I can continue to make my monthly mortgage payments.XXXX  XXXX then from the financing department contacted me advising me refinancing and offered me pay miserably over {$5000.00} in re-financing cost in order to reduce my monthly interest payment. I then realized they are trying to take advantage of my current misery unfortunately created by this deadly COVID-19 pandemic. and now I am starting this complaint process in the hope, I can get mortgage relief assistance because effort/feedback from Arvest Central mortgage bank has been ZERO with no signs of any help or assistance.
Product: Credit card

I am writing to dispute a charges of {$1200.00} to my credit card number ending in # XXXX. The statement is in error According to 15 USC 1666d and is showing a positive balance. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.