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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of the account which does not belong to me or was opened without my permission. 
XXXX XXXX  XXXX Balance : {$4900.00} 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

my account was closed with false information and they denied my appeal and i want them to be forthcoming on what exactly happened they also asked for bank statements and i know they cant do that cause they do not have any form of XXXX on there. I am not XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re-aging collection accounts is illegal and prohibited by the Fair Debt Collection Practices Act ( FDCPA ). Re-aging Refers to old practice collection agencies use to change the date when an account first went delinquent. Reporting this information regarding this collection agency practice of unscrupulous actions. Collection agency Vance & Huffman LLC. Account # XXXX and Account # XXXX. 
Origination date opened XX/XX/XXXX According to the Federal Fair Credit Reporting Act ( FCRA ) to report 100 % accuracy. XXXX Acct # XXXX also Acct # XXXX Vance & Huffman Date opened XX/XX/XXXX inaccurate Re-aging the accounts. The ( DOFD ) date accounts become 30 days late with no payment. Also showing these accounts as just becoming opened in XX/XX/XXXX Becoming delinquent the following month XX/XX/XXXX collection, XX/XX/XXXX collection, XX/XX/XXXX collection, XX/XX/XXXX collection, XX/XX/XXXX collection. XX/XX/XXXX collection, XX/XX/XXXX collection, XX/XX/XXXX collection, etc. With Fraudulent deception with the attempt to report longer on consumers credit report. in hopes of ruining my credit score. XXXX Report # XXXX this has had damaging effects, I'm reporting all the misdealing 's against all parties involved with the state attorney General office .and demanding that these accounts be Deleted immediately from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 Equifax denied me online access to view current credit report WITH current confirmation # for dispute purposes, a violation of the FCRA.
Product: Credit reporting

This is not correct I do not have any of this issue. I need this taking off my record DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported me 30 and 60 days incorrectly. I called and made an arrangement below XX/XX/XXXX to keep my account from being 30 days late. The representative offered me a payment plan and stated as long as I agreed to the payment plan that I would not be reported to the credit bureau as late. I received a 30 & 60 day late. I specifically asked if I would be reported late. I contacted XXXX and was told there is nothing that can be done. I am requesting the 30 day and 60 day late be removed from my credit report. I clearly contact XXXX XXXX and agreed to an arrangement to avoid and credit reporting. Their agent advised me I would not be reported. I was reported late for XXXX and XXXX which is inaccurate. My due date is on XX/XX/XXXX and I called XX/XX/XXXX to make sure I was not late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX  and XXXX are given my priivate information to companies and Collection companies. 

There is a Collection of {$440.00} that I am not aware and didn't receive any notice by US Postal Office Mail. 
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, California XXXX XXXX has placed a collection and knowing that I am XXXX XXXX and Retired. 
Collection was placed on around XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I received an email stating results from a recent complaint had been responded to, however prior to that I received an update about my experian account regarding an open investigation ( my complaint made through CFPB ). Experian reflected 3 accounts that were apart of the 10 accounts disputed had been deleted from my file. Experian STILL has not rectified their blatant disrespect to me nor violations of the FCRA. What is it going to take to get the remaining 5 accounts removed? The proof has been sent repeatedly but experian either sends me stall tactic responses or in this case only addresses part of the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued receive in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX {$24000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$550.00} XXXX   XXXX {$760.00} XXXX XXXX {$83.00} XXXX   XXXX {$330.00} XXXX XXXX XXXX {$260.00} XXXX   XXXX {$800.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$10000.00}
Product: Vehicle loan or lease

On XX/XX/XXXX, I applied online for a auto loan at the U.S. Bank website. The bank did not communicate with me on the progress of my application ; I did not receive any phone calls, letters or emails.

On XX/XX/XXXX, I made a phone call to my local U.S. Bank branch and spoke to manager XXXX XXXX. She told me that my application had been denied due to insufficient documentation. I said that the bank had never requested any additional documentation from me. She said I can bring proof of my income to the branch and she would appeal the denial decision. I came to the branch on the same day and gave her copies of my recent paychecks. I told her that I did not want to appeal the banks decision if this results in a new hard inquiry on my credit report. She said that there will be no hard inquiry if she appeals the decision.

In two days, on XX/XX/XXXX, she called me and said that she had been unable to appeal the decision because the case had been closed. She also said that I can apply for a pre-approval for an auto loan again ; if I do so, I have better chances to be approved. ( My first application was not a pre-approval ; it was the actual loan application ). She said that if I want to proceed with the pre-approval, I need to come to the branch again and sign the application. I asked her again if this would result in a hard inquiry on my credit report, and she said no, it would not, because the second application is submitted within 30 days from the date of the first application.

I came to the branch on the same day and XXXX XXXX told me that I would meet another banker, XXXX XXXX, to finalize the second loan application. XXXX XXXX actually told me that he did not need my signature to submit my application. He even said that he did not know why XXXX XXXX had told me to come to the branch. According to him, the application process could have been done over the phone. At that time, I became very alarmed as I realized that XXXX XXXX says something different every time I speak with her. I specifically told XXXX XXXX that I do not want to proceed with the second application if it results in a hard inquiry on my credit report. Just like XXXX XXXX, XXXX XXXX also told me that no new hard inquiry would appear on my credit report. He submitted my application and I left the branch. When I came home, I received a notification from XXXX, credit reporting agency, about a new hard inquiry placed by the U.S. Bank on XX/XX/XXXX.

I consider this activity as customer fraud and sales fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$360000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Corrected wrong account with Experian Monday XXXX XXXX XXXX Paid XX/XX/XXXX not reflected. Tell me 30 days while I am held hostage with a credit score of XXXX 2 Learn more Experian Data XX/XX/2021 XXXX XXXX XXXX and debt to income wrong. XXXX sent a alleged repaired report which was NOT and still wrong and all three continue to have outdated and wrong information they provide to third parties and you the CFPB do nothing! Meanwhile held hostage because updating not real time impacting our ability to borrow and causing usurious rates.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX. 

I am about to file a law suit against all 3 credit reporting bureaus for misrepresentation, false reporting, consumer abuse and racial disrimination. 

The credit bureaus all work together to discriminate against minorities and people whos credit appears to get better but then when achieved, they concoct a way to hit you with big point reductions when they only give you small increments of a raise in score at a time. 

Very lopsided way of holding a person back.
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 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/16 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Received inquiry notification from Experian for a XXXX  XXXX XXXX Credit Card Inquiry date XX/XX/2020. I reported the inquiry as fraud as I did not submit an inquiry to XXXX for an application. I spoke with a XXXX representative who advised there was never and application placed however there is still a inquiry for XXXX remaining on my credit report. 

Please remove inquiry from my Experian credit report
Product: Debt collection

I was told that service would be restored after making a {$1700.00} payment to XXXX XXXX which was a lie because they did not keep their word so I asked them to reverse that payment which, bull city financial assured me that their bank has reversed the payment my bank says they have not responded to the charge off they recieved from my bank and they keep telling they reversed that payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok, I am tired of Experian keep on reporting that I have accounts in negative status ( 14 ) which is completely ridiculous. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 12 inquiries that I never allowed or made myself. Now, I need for experian to send me full proof that I was late or these accounts belongs to me. They have 30 days to respond or I will sue them for reporting the wrong information and to show where I gave permission for my information to be displayed and for inquiries, show me the proof.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX Account Number : XXXX Experian : XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Product: Mortgage

We want to be included in the law suit against wells fargo, they foreclosed on our home illegally. Stating we owed XXXX on home. we never refinanced home, built the home for XXXX in XXXX. Payments unapplied, file bankrupsy to keep the home. They had our payments at XXXX per month plus XXXX bankrupsy payments. Nothing ever applied. We were told they put us in a jack leg loan. refused to lower our interest rate of 8 % an to help us with any modification. We want our name on the top of the list in law suit. I hope the Federal Government comes down on Wells Fargo hard and they have to repay people like us they scammed.
Product: Student loan

I am aware of the current lawsuit against Navient. I would also like to file a complaint against them. When my loan changed from sallie mae to Navient, Navient did not follow my wishes to continue payments so that I could take my co-signers off my loan. I was in school working on my masters and wanted to continue making payments. The Navient abruptly stopped my payments, after I had requested to make a payment, they told me I had to start all over with the consecutive payments to release my co-signer since there was a break in payments due to their error. They had also told me to go into forbearance when I had the option to make income-driven payments since at the time I was only making {$15.00} and hour while paying over {$1000.00} a month for my student loan repayments. That advice has caused me an incredible amount of increase in my interest, knocked down my credit score and made it difficult for me to receive any loans for my XXXX degree. I had continually received poor advice from Navient and not once was I able to speak with a manager or higher up even after I had asked several times. I have a note on my account that my case was sent to upper management, but nothing was done. I am sad to hear that many individuals have been affected the same as I. to this day, my co-signers are still on my loan, after continual requests to have them removed. I have received a myriad of answers and none of them are consistent. I 've been told, No, the co-signers will never be removed. I 've been told after I make a year of consequtive payments. I 've been told I need to make three years of consequtive payments. Each individual working for Navient has starred me the wrong way and I have had nothing, but difficulties when it comes to making payments. At one point I pleaded with Navient to reduce my loans or I would default and they told me, I would have to go into forbearance instead of allowing me to make income driven payments or advice me to continue to make payments. I plead for guidance in this issue at hand. Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account BB & T Opened Date XX/XX/2012 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that BB & T was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I went to XXXX XXXX XXXX of XXXX, to repurchase a vehicle, i called Equifax, awhile, i was in the dealership, to get my rCredit File Unfrozen, I was ask security questions, and i was told, and pass them, because i did not have my Security Freeze Pin on me, at the time. XXXX XXXX, tried to pull my credit file again, from Equifax, and was unsuccessful. They were able to pull my XXXX XXXX and XXXX ; but not my Equifax. On XX/XX/2019, i came home and went online, to Equifax and did it online, and was told, that it was successful, i had to wait until Monday, to call XXXX XXXX, back and alert them, to repull Equifax, and was unsuccessful on XX/XX/XXXX & XX/XX/2019. I sent in a copy of my Driver License, SS Card & Utility, XX/XX/XXXXXXXX  bill, to confirm my Identity ; and gave them my dates to unfreeze, the credit file was still frozen. XXXX XXXX dealership, need to have a copy of my Equifax, along with all 3 to finish up, the process, and close the deal out. It is to the point, that my contract, is in jeopardy with XXXX XXXX dealership, if they can't pull my credit report, asap. Mr. XXXX XXXX and Mr. XXXX XXXX XXXX is my finance guy and sales person, is able to confirm, everything, that is said, in this e-mail, about the getting of my credit file unfrozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

DATE XXXX NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 
My current address is : XXXX XXXX XXXX XXXX NC XXXX Previous address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX Wyoming Please remove the following address ( es ) from my report as they do not belong to me and are being reported in error : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I have included proof of my current address, and proof of my social security number for your review. I will await an updated copy of my credit report to reflect these changes. 
Thanking you in advance.
Product: Credit card

Complaint Against Citibank Unfairly High Interest Charges I am filing this complaint against Citibank regarding the excessive interest charges applied to my Citi credit card. In XXXX, I was charged {$180.00} in interest fees, and in XXXX, I was charged an additional {$60.00}. The APR applied to my account exceeded 21 % in XXXX and 22 % in XXXX, which I believe is exorbitant and unreasonable. 

Despite having auto-pay set up to ensure timely payments every month, Citibank continues to charge me at an extremely high rate, making it difficult and unaffordable for me to pay off my balance. I reached out to Citibank to dispute these charges and request a waiver or reduction in the interest rate, but they refused to offer any relief. 

I believe these interest rates are unfair and predatory, particularly for a loyal customer making consistent payments. I am requesting the CFPB to review this matter and intervene to ensure fair lending practices. 

Thank you for your time and assistance.
Product: Credit card or prepaid card

On XX/XX/XXXX I filed a dispute for charges on my RUSH CARD account that i did n't authorized ( XXXX $ ), RUSH CARD said they will issue me credit until the investigation was conducted. Then 4 days later on the XXXX RUSH CARD closed my account i asked could i open up another one, because all my direct deposit are sent to my account. A supervisor said YES, that all i would need to do was mail in proof of my address, Social security card & drivers ID ( all my personal information ) so i faxed & emailed all my personal information on XX/XX/XXXX@ XXXX. after talking to 3 people including a manager, supervisor & sales rep they said i could n't open up account. Since giving them my personal info things have popped up on my cerdit repot ( so someone is using my ss number from RUSH CARD ) i still dont have my MONEY.
Product: Credit reporting or other personal consumer reports

I sold my home on XX/XX/2023. I called NationStar to inform them of the sell-closing and requested a letter to verfiy the account was paid in full with XXXX balance. The account is shown open with a balance owed on XXXX, XXXX, and XXXX etc ... as if I Stopped paying the mortgage. Nationstar Mortgage LLC d/b/a Mr. Cooper even sent me a check for a Payoff refund check dated XX/XX/2023.
Product: Bank account or service

Bank should not charge disadvantaged contractors without a bank account to cash a check written from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XXXX XXXX, 2020, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. I requested for a reinvestigation as my right under FCRA 611 and on XXXX XXXX, 2020, XXXX  did not delete as requested and just updated the accounts for Portfolio Recovery Assoc. As relevant proof I disputed these Portfolio  Recovery Assoc accounts with XXXX, since XXXX  had a different name reporting along with my other personal information, as a result XXXX  deleted the erroneous Portfolio Recovery Assoc  accounts from my credit report. I believe I have become a victim of Identity Theft. I have attached copies of my XXXX  credit report.
Product: Credit reporting or other personal consumer reports

I reported that I had wrong information on my consumer report and the bank has agreed to remove it from my report but I havent heard anything from the agencies yet updating my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management is fraudulently reporting 3 separate alleged debts on my credit report as being a Factoring Company Account which they are not. I have never entered into relationship or agreement with Midland Credit Management at anytime or in any way. This is an attempt by them to skirt the FDCPA and is a violation of the FCRA and other applicable federal and Texas state laws. According to the CFPB Consent Order File No. XXXX dated XX/XX/2015 Midland Credit Management is a covered person and a debt collector and is subject to FDCPA. By fraudulent listing my account as Factoring Company Account they are making a false representation and committing gross fraud in an attempt to skirt FDCPA and FCRA laws. This is unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I called the XXXX Credit Agency reporting that there were some Inquiries that I do not recognize and were not authorized, therefore they had to be removed from my credit report and my application did not work and they have not given an answer on the case. I ask you to take action on the case and eliminate these unknown and unauthorized inquiries in the next 15 days.