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

I have submitted a 605b fraud affidavit. 

need to have these fraudulent inquires removed. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX # XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance other than personal XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXXXXXX XXXXL XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXX XXXXXXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX   XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX   XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX  XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance other than personal XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXXXXXX XXXX   XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Prepaid card

American Express is applying a {$2.00} a month fee to maintain a gift card only 5 months after I received it. I believe that they ca n't charge a fee until 12 months after receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit and it said I had too many inquiries XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX Credit Cards Issued by Finance Companies XX/XX/XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Credit Cards Issued by Finance Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Used XX/XX/XXXX XX/XX/XXXX XXXX XXXX Credit Card XX/XX/XXXX XXXXXXXX XXXX Mortgage  Companies XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I wish to file a complaint against Bull City Financial Solutions for listing a zombie debt of {$6800.00} on my credit reports and ruining my credit. I paid an account off with XXXX XXXX XXXX XXXX in XXXX. I pulled my credit reports in XXXX XXXX, I find a collection account on my credit reports from Bull City Financial Solutions opened in XXXX XXXX for the account I paid off at XXXX XXXX XXXX XXXX in XXXX. I am very upset about this! Bull City Financial Solutions needs to remove this account from my credit reports immediately. Bull City Financial Solutions is/has violated the FCRA and my consumer rights. Please make Bull City Financial Solutions remove this fraudulent, inaccurate and erroneous account off my credit reports. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit of Truth Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX , and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done DEPTEDXXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If DEPTEDXXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit reporting or other personal consumer reports

I am writing to submit a complaint about CoreLogic Credco. On XX/XX/XXXX, I had a mortgage prequalification phone call with an agent from my branch of XXXX  XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. When she went to run my credit with the company they use [ CoreLogic Credco, XXXX XXXX XXXX, XXXX XXXX, CA XXXX ], she informed me that she could see a mortgage associated with my information. This is deeply concerning as I do not have a mortgage.

After the phone call, I logged online and requested my credit reports through annualcreditreport.com. All XXXX  credit reports were correct for me. I only have XXXX credit card with XXXX XXXX XXXXXXXX opened in XXXX. I have no mortgage or loans. Only my name, birthday, and social security number is listed on the reports. 

After those credit reports came back correct, I wrote to CoreLogic Credco to request my credit report through them. The credit report I requested from them is filled with information for another person, XXXX XXXX or XXXX XXXX. The only credit item that is correct for me is the XXXX XXXXXXXX XXXX Credit Card ( XXXX XXXX under Credit History on the attached documents ; page XXXX ). 

On pages XXXX of the report ( see attached documents ) they have listed XXXX XXXX and XXXX XXXX under Identification Information and AKA Information. XXXX XXXX ( XXXX XXXX is her maiden name ) is my XXXX. We did live at the same addresses for a number of years but it is clear by the different social security numbers and birthdates that we are not the same person. 

We requested XXXX credit reports from XXXX. Looking through those reports, all the information is correct and only her name, birthdate, and social security number is listed on them. 

I have done my due diligence to get the situation resolved by going directly to the sources ( XXXX, XXXX, & XXXX ). XXXX, XXXX, & XXXX are reporting correct information for me, XXXX XXXX XXXX, and my mother, XXXX XXXX XXXX XXXX The only party that is reporting incorrect information is CoreLogic CredCo. 

I am requesting assistance to help get XXXX XXXX XXXX name , birthday, and Social Security Number removed from my ( XXXX XXXX XXXX XXXX CoreLogic Credco credit report. 

I am attaching the credit report from CoreLogic CredCo. This is the report that is reporting incorrect information. It is the only place that is reporting this information. Mortgage and other lenders use this credit report to qualify people for loans. I am unable to move forward with qualifying for a mortgage because this report falsely claims that I have a mortgage and various other credit card debts. 

I am also submitting a copy of my drivers license and social security card as well as a copy of my mothers, XXXX XXXX XXXX XXXX XXXX, drivers license and social security card. 

I am happy to submit any additional information required to help with this complaint including the credit reports from XXXX, XXXX, or XXXX for XXXX XXXX XXXX or XXXX ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX ssn XXXX dob XX/XX/XXXX contents of complaint : This Cfpb complaint has been filed to request pursuant to Fcra 605B 15usc 1681c-2 that you. Transunion and XXXX and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of personal credit cards opened at XXXXXXXX XXXX bank XX/XX/XXXX # XXXX, XXXX XXXX XX/XX/XXXX # XXXX and XXXX XXXX XXXX # XXXX. These accts have resulted in several fraudulent chargeoffs and derogatory appearing on my consumer XXXX credit report. I don't recognize the aforementioned accts.these accts were not opened, made, initiated by me.All of the aforementioned accts chargeoffs are result of identity theft and fraud. I have attached a copy of Ftc identity Theft criminal complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accts.chargeoffs are result of identity theft and fraud.
Product: Checking or savings account

I recently moved to the state of XXXX from XXXX. During the planning phase of my move I researched banks and found that Chase was quite appealing due to the {$200.00} offer for new members when signing up for checking and having a direct deposit. On XX/XX/XXXX I received and email from chase with my coupon code for the {$200.00}, I stopped into the XXXX, XXXX branch and met with XXXX XXXX XXXX ( Private Client Banker ). I provided XXXX with all my information, including my coupon code ... During our meeting XXXX was preoccupied by multiple phone calls and being called out of the office twice ... I singed my final papers prior to leaving, gave {$50.00} cash for my initial deposit and asked when I could expect the {$200.00}, she mentioned as soon as my first direct deposit posts, 10 days after. A week went by, my direct deposit posted, I called XXXX and asked when to expect the {$200.00}, she said within a week.. a week went by and nothing, I called again, XXXX said another week .... By this time I have three weeks invested and no {$200.00} as promised. I called XXXX again, she now changed her story to say I never provided her a coupon code and she would have to investigate!!! I called Chase customer service who opened a ticket. On XXXX XXXX called me and said that due to the time that has passed since I opened my account, she could not honor the {$200.00}, I mentioned that I had called her every week and requested an update, she said there is nothing she can do. Customer support called me on XXXX and mentioned that they could not help as this is a local branch dealing ... Long story short, XXXX did NOT enter the coupon code I brought with, I fulfilled every obligation listed in the fine print to recive the promotional {$200.00}, due to her negligence, I did not receive what was promised to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

We paid {$130.00} ( our credit card, XXXX XXXX, was charged on XXXX XXXX, XXXX ) for a background check from backgroundchecks.com ; the website promises the report in " 1-3 days '' but we still haven't received it and are given nonsensical reasons for their failure to supply what we've paid for. 

This is a company you've received massive numbers of complaints about in the past, usually from consumers who bought background checks they never received. See below : " Consumer Litigation and Regulatory Actions In XXXX, regulatory action was taken against backgroundchecks.comthen called e-Background-checks.comby the Consumer Financial Protection Bureau ( CFPB ) for not taking reasonable action to make sure the information in their reports was correct and for including prohibited information. The company and its affiliate XXXX XXXX XXXX were made to pay {$10.00} million in damages to affected consumers. It appears that the company subsequently changed their name to their current one. ''
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern and frustration regarding the delay in correcting late open accounts associated with my profile. Despite my repeated attempts and communications with your institution, these accounts have not been corrected in a timely manner, which is causing me significant inconvenience and impacting my financial standing. 

The late open accounts on my profile were brought to my attention recently, and I immediately took action to rectify the situation. I followed the procedures outlined by your institution to address this issue promptly. However, despite my efforts, there has been a delay in the correction of these accounts, and they continue to adversely affect my creditworthiness and financial reputation. 

I understand the importance of accurate and up-to-date information on my credit report, and I am deeply concerned about the negative impact that these late open accounts are having on my financial well-being. It is imperative that these accounts are corrected as soon as possible to prevent any further damage to my credit profile and financial standing. 

I urge you to prioritize the correction of these late open accounts and expedite the resolution process. I request transparent communication regarding the steps being taken to address this issue and regular updates on the progress made towards correcting these accounts. 

Furthermore, I expect measures to be implemented to prevent similar delays and errors from occurring in the future. As a valued customer, I deserve prompt and efficient resolution of issues affecting my financial health. 

Please treat this matter with the urgency it deserves, and take immediate action to correct the late open accounts on my profile. I am asking for your assisstance to correct these accounts n my credit file : XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} ; XXXX XXXX XXXX  XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$860.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2012 Capital One reported to all 3 credit reporting agencies a 30 day late payment inaccurately. I am asking this to be removed from my credit report.
Product: Prepaid card

Attempted multiple online transactions to different online sellers ; all were declined and sent a {$0.00} processing fee that still hasn't been removed after 2 consecutive days. The advertised requirements by the gift card 's bank for online store purchases were all met when placing these attempted transactions. 

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

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all have 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 states : A consumer reporting agency can not furnish a account without my written instructions. 

I have disputed these accounts with XXXX for 12 months with no live support or initial investigation that has been completed from initiated disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX XXXX and I am a victim of Identity Theft. Someone stole my personal information and opened the following fraudulent accounts in my name. I reported it to the credit bureaus and I was waiting for a full police report. Once I received the response the credit bureaus had already closed out my dispute. I ask the the following fraudulent accts. be removed from my credit file : XXXX XXXX OPENED  : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXI Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX INCLUDING THE INQUIRIES ON MY POLICE REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of victim of identity theft and fraud. My XXXX XXXX  account was subjected to fraudulent activity, I applied for the card but never received the first card. That card was stolen from my mailbox and incurred fraudulent charges without my knowledge in XX/XX/XXXX-XX/XX/XXXX. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. Last XX/XX/XXXX, I  faxed my FTC report, copies of my IDs and a letter requesting to this company that the incorrect, fraudulent, derogatory information resulted from fraud/identity theft be removed from my report and asked this company to comply with FCRA 605B, which requires credit reporting agencies and creditor to block such information resulted from Identity theft. It is already the XX/XX/XXXX  and nothing has been done. Attached to this complaint is a copy of what has been sent to them last XX/XX/XXXX and what I sent them again todayXX/XX/XXXX ( sent them another request and a NEW FTC report and my IDs ). I am willing to take this further and am filling up an XXXX ( Small Claims ) to have it ready to be filed if this issue still continues and if this company will still not comply with FCRA.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX has been acting unethically Modifying my home loan. I have tried numerous times and they close it out without notification. I'm a veteran that is being railroaded to lose my home without processing my modification.
Product: Credit card or prepaid card

The complaint is about my credit card issued from Citi Bank. It is a Master card ending XXXX. There were 21 unauthorized purchases made on XX/XX/2022. All the purchases were from a vendor named : XXXX XXXX XXXX XXXX XXXX XXXX which is in XXXX. I reported to Citi Bank 's fraud department on the same day and a new credit card was issued. The bank replied that they will investigate the fraud and I am not responsible for it. Later on, however, these 21 unauthorized charges were posted to my new credit card account. I am also dissatisfied that no fraud alert/ immediate action to the credit card when the bank realized the suspicious activities. The detail of the 21 unauthorized purchases are as follow : 1. XXXX XXXX XXXX XXXX XXXX XXXX : {$250.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX : {$210.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00} 4. XXXX XXXX XXXX XXXX XXXX XXXX : {$240.00} 5. XXXX XXXX XXXX XXXX XXXX XXXX : {$240.00} 6. XXXX XXXX XXXX XXXX XXXX XXXX : {$240.00} 7. XXXX XXXX XXXX XXXX XXXX XXXX : {$270.00} 8. XXXX XXXX XXXX XXXX XXXX XXXX : {$250.00} 9. XXXX XXXX XXXX XXXX XXXX XXXX : {$260.00} 10. XXXX XXXX XXXX XXXX XXXX XXXX : {$160.00} 11. XXXX XXXX XXXX XXXX XXXX XXXX : {$160.00} 12. XXXX XXXX XXXX XXXX XXXX XXXX  : {$160.00} 13. XXXX XXXX XXXX XXXX XXXX XXXX : {$120.00} 14. XXXX XXXX XXXX XXXX XXXX XXXX : {$140.00} 15. XXXX XXXX XXXX XXXX XXXX XXXX : {$200.00} 16. XXXX XXXX XXXX XXXX XXXX XXXX : {$150.00} 17. XXXX XXXX XXXX XXXX XXXX XXXX : {$200.00} 18. XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00} 19. XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00} 20. XXXX XXXX XXXX XXXX XXXX XXXX : {$210.00} 21. XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the CFPB. The document that need from the advocacy help me due to XXXX XXXX XXXX XXXX  which falls under XXXX XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). According to section XXXX of FCRA and XXXX XXXX of Regulation V, specify documents and information required to remove information thats based in result of XXXX XXXX. Please remove all accounts XXXX XXXX XXXX  {$420.00} XXXX XXXX {$170.00} XXXX XXXX XXXX {$1400.00} Please remove all unauthorized inquiries.