23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I ca n't get any information from Equifax , I do not know what is ask of me. inreferrecne to XXXX accounts supposedly I open, problem is I have no acknowledge of these. there fore am not allowed any information. ca n't prove this me. I called and the same,. I have never been able to get a report from this company since 2012 for the same resons. I never bothered to look into this matter. but now on my credit report there are showing an incorrect information that is affecting my score.
Product: Credit reporting or other personal consumer reports

I signed up for the free trial ( attached ) and canceled ( attached ) the next day ). Several months later I noticed Equifax had been charging my account for XXXX months ( see attached ). 

This cancellation was obviously meant to deceive consumer as I assumed it was canceled but it only canceled another service which I think was free. This is obviously ridiculous and meant to confuse as judge by my experience and numerous others on reddit who had the same experience. 

I tried to resolve with the company and was met with having to call by phone and navigated an endless tree of options, entering in everything but the name of my first pet to meet an operator who said they couldn't help.
Product: Mortgage

On XX/XX/2021, I applied for a mortgage with Better for a simple refinance on my home I've owned for five years. I have provided all information in a timely fashion. Better repeatedly and without notice transferred my loan to different processors, treating me with disrespect and a lack of basic communication throughout the process. When Better calculated my income from my rental properties, they failed to do it correctly. Their management, specifically XXXX, refused to provide any calculations or support. I am a retired doctor and I am XXXX, I believe this is the reason for the shabby treatment, repeated assignment of my file to other processors, culminating in the soft denial/withdrawal of my application and the inability for Better to understand my file. By shifting my file around, most people my age would give up or be confused but my accountant kept things organized for me in this process. I have strong suspicion that this practice of shifting my file around endlessly was age discrimination, which is contrary to Fair Housing and other Federal laws. After my accountant calculated, using Fannie guidelines, what my income would be for my rental properties they would not substantiate or show their work on how they said I had negative income, leading to an ultimate withdrawal of my application after spending money on their appraisal and wasting a month of time. My accountant and I were willing to explain the difference on depreciation to them, but they had no understanding at all of people with a simple rental property. Ultimately, their proposed estimate would have resulted in a 30 % reduction in my monthly payment, which is why their rejection on DTI concerns is preposterous. I request the CFPB to investigate on behalf of myself and other people similarly situated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$330.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received letters in the mail indicating that a bankruptcy on my credit report was validated. The credit bureaus ( XXXX, XXXX and Transunion ) and XXXX XXXX failed to provide documentation stating where they are validating their information. The XXXX XXXX XXXX Georgia verified that they did not provide any information to third parties regarding any bankruptcy in my name. In addition, they validated that placing public records from PACER onto an individuals credit profile is illegal and UNJUST. According to the Fair Credit Reporting Act 15 U.S.C. 1681-1681x, Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. Investigation must include providing documentation and/or proof of the process in which information is validated. My rights are currently being dismissed.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

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

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/202XXXX XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX  Inquiry Date XX/XX/2020 XXXX XXXX XXXX  Inquiry Date XX/XX/2020 XXXX Inquiry Date XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX Inquiry Date XX/XX/2020 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inq

uiries. 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: Credit card or prepaid card

I have a credit card with Fidelity ( XXXX ). I have three balance transfers with them. One has an interest rate of 2.99 % with an expiration date of XX/XX/XXXX. The other two have an interest rate of 0 % and an expiration date of XX/XX/XXXX. I noticed on my recent statement that my minimum payment was being applied to the transfer with the lower interest rate. It is my understanding that the Credit Card Act of 2009 required companies to apply payment to the balance with the highest rate. When I contacted Fidelity, they said the law had been changed. What is the current law in regard to payments? What can I do about this unfair situation?
Product: Credit reporting or other personal consumer reports

For few months now I have reached out to the bureaus and to the mortgage company for the XXXX time XXXX day late on my closed mortgage account, the company has responded but it feels like its general standard letter they send to anybody who has any questions or concerns. I was under induced medical comma in the hospital, that is why my payment didn't go through by the time I realized it it was too late. I have XXXX debt, I have never had any late payments on any of my mortgage accounts you can see that on my credit report. I kindly ask you to remove the XXXX time XXXX day late from XXXX of XXXX Please as a good faith, as XXXX time curtesy please remove the XXXX time XXXX day late, again this would have never happened if I was not in a comma. Thank you
Product: Credit card

I purchased a XXXX ( precious stone ) from an XXXX vendor based in XXXX. Unfortunately, upon receiving the merchandise, I found it to be significantly inferior to what was depicted on the vendor 's webpage on XXXX. Following this discrepancy, I promptly contacted the vendor, who agreed to a refund upon returning the merchandise. Subsequently, I utilized USPS registered mail to return the item. However, despite providing evidence of the return and my correspondence with the vendor to Bank of America ( BOA ), they have denied my dispute of the {$930.00} charge associated with the purchase. BOA initially requested information regarding the return, which I promptly faxed to them at XXXX upon receipt of their request on XX/XX/year>. Despite my efforts to comply with their request, BOA has dismissed my dispute without considering the evidence provided. I am seeking a refund of the disputed amount of {$930.00}, along with an additional {$39.00} to cover the postage expenses incurred in returning the misrepresented item. Please find attached the relevant documents for your review. Sincerely, XXXX XXXX
Product: Debt collection

I WENT TO THE XXXX XXXX XXXX  WEB SITE AND ACCESS INFORMATION FROM 1988 FROM XXXX XXXX XXXX. I FOUND A LOT OF INACCURACIES AND FALSE REPORTING. FROM XXXX XXXX COLLEGE THIS COLLEGE FALSIFIED DOCUMENTS AND SHOWED ME ENROLLED AS A STUDENT FOR 2 YEARS AND GRADUATED. I ONLY ATTENDED THIS SCHOOL FOR ABOUT 2 WEEKS AND I DROPPED OUT DUE TO XXXX. APPARENTLY THEY GOT CHECKS IN MY NAME AND CASHED THEM. THIS IS NOT MY STUDENT LOAN. I SENT PROOF OF FRAUD BY THE SCHOOL THAT WAS GOING ON AT THE SAME TIME I WAS ENROLLED. PLEASE REVIEW THE DOCUMENTS I SUBMITTED AND I CAN SHOW PROOF THEY FALSIFIED MY STUDENT RECORDS AS LIST ME AS A GRADUATE. PLEASE REINVESTIGATE THOROUGHLY AND REMOVE FROM MY CREDIT FILE .XXXX   XXXX XXXX
Product: Debt collection

I have contacted Evergreen professional on XX/XX/20 to verify a debt they say that I owe them. However they have not responded to my request. 

I called them on XX/XX/20 and they were not straight forward with me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing these Items through Experian and XXXX XXXX and they still wo n't remove or update. 
.Creditor Acct. # Standing Status XXXX  XXXX -paid in Full XXXX XXXX XXXX - Paid in full even before they put on my credit XXXX XXXX XXXX XXXX Paid in Full XXXX XXXX XXXX XXXX Paid in Full XXXX XXXX XXXX XXXX -Paid in Full XXXX XXXX XXXX XXXX Paid in Full XXXX XXXX XXXX XXXX Paid in Full XXXX  removed all of these since they are all paid in Full XXXX XXXX removed all except XXXX XXXX
Product: Credit card

Citibank NA refused to approve a Citibank Credit Card ( Costco Private Label ). I contacted Citibank directly. I was incommuication with a XXXX XXXX on XXXX/XXXX/XXXX and was told to put a appeal on the incorrect deliquent from XXXX. Received a letter of Credit Decision. Citibank used XXXX as there provider. There was a error on my report and was corrected by XXXX and the Deliquent item was removed on XXXX. I called Citibank on XXXX/XXXX/XXXX asked for approval and was denied again. Attached is the letter from Ciitbank. I spoke to XXXX XXXX XXXX from the Office of the President on XXXX XXXX XXXX stated " Once the Deliquent Account is removed on Experian than the Credit Card would be issued ''. Now Citibank is changing there story and found another avenue to deny the Card. XXXX XXXX made several remarks that are contrary to the decision denials. 

I am asking the CFPB to fully investigate Citibank NA on there deceptive practices on Credit Approval for a based upon misleading statements from the Office of the President and Risk Management from Citibank NA. 

Application Number XXXX XXXX MD XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a lot of inaccurate activity on my credit report there are a lot of credit inquires that i did not apply for on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account ur open end consumer credit plan as late for any purpose.
Product: Debt collection

I had service with them in XXXX but theyre reporting that I had it in XXXX and reported it again to my credit in XXXX. XXXX is the service for {$100.00}. I want this removed forever!
Product: Money transfer, virtual currency, or money service

hello, my name is XXXX XXXX. 
i wish get help for resolve my problem. 

i open a ria account and i link my bank account for send money to my cousin in XXXX XXXX and i dont know why the account was disable inmediatly. 

i called verification deparment and they denied to help me to resolve the issue. 

Why the company offer a service and denied to help custumer. 

i wish ria be able to help me this time becouse i just try to send money with my bank account. i think is nothing bad to do that. 
my email address is XXXX phone number XXXX
Product: Debt collection

XX/XX/XXXX I pulled my credit through my credit monitoring service. XXXX was showing a collection from XXXX XXXX XXXX. for the amount of {$1900.00} Account # XXXXwas placed in collections XX/XX/XXXX. 

However this is not my account My Father and I had the same first and last name and he passed away around this time. I had sent certified letter XX/XX/XXXX to the debt collector. 

They removed from my credit report XXXX also did investigation and has also made the decision to remove from my credit report as well. 

XX/XX/XXXX I received yet another letter from XXXX regarding this account. 
they also changed the name of the original creditor and original account number. To allow for a ( reinsertion of invalid debt onto my credit report ) the System automation will believe its new. 

I dug up everything from back in XX/XX/XXXX. I just now called the original creditor they are also called XXXX XXXX. I spoke to them I gave them my social my date of birth they can not find me. I do not owe them money.. I also called XXXX XXXX and XXXX XXXX XXXX they can not find me and they have also stated they could not speak to me due to a HIPAA violation they have a XXXX but its not me. attached you will see my original certified letter receipt. the old XXXX collection. links to show XXXX XXXX XXXX and XXXX   are in fact the same hospital. 


I understand mistakes can be made., XXXX forewarned is forearmed You need to remove this from my credit report Immediately this is not my collection. I take pride in my credit score and I am closing on a house in 45 days if This prevents me from cosigning on my house. I will take this to federal court not small claims. Because you are now very aware. Due to my attachments. 

I am not paying anyone to help me. there isnt a debt company I understand you get alot of that it is only me,. I am very familiar about the laws. You also know from past collections that I have written to you explaining my fathers death on a few other occasions. I am asking nicely as a " courtesy from you to remove this promptly before This goes any further.

I woke up one morning and saw my score dropped 85 points due to this  inaccurate reporting you never contacted me I was not notified. this breaks soo many laws in so many ways its not even cool. 
I have also forwarded this to the original creditor XXXX XXXX on intial report from XX/XX/XXXX Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted disputes with XXXX, Experian, and XXXX as well as a complaint with the CFPB about charge off accounts listed on my credit reports. Each of these companies responded that those accounts were verified. Reporting these accounts are violating my federal rights because charge off accounts should reflect a {$0.00} balance. Furthermore, there is no way that these accounts are are verified to belong to me. Please provide me the method of validation that was used to determine that this information is factual.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX XXXX  on XX/XX/XXXX account # XXXXXXXX XXXX XXXXXXXX opened on XX/XX/XXXX account # XXXX, XXXX XXXX opened on XX/XX/XXXX account # XXXX, XXXX XXXX opened on XX/XX/XXXX account # XXXX, XXXX XXXX opened on XX/XX/XXXX account # XXXX XXXX  on XX/XX/XXXX account # XXXX. A student loan account Us dept of ed on XX/XX/XXXX account # XXXX, A student loan account Us dept of ed opened on XX/XX/XXXX account # XXXX. A installment account XXXX XXXX XXXX opened on XX/XX/XXXX account # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

My debit card was withdraw XXXX  ( 2 times ) after a transaction was canceled. I have been trying to get refund but not the bank and not the store feel responsible for my money. Help please.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting income on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND EQUIFAX IS CONTINING TO REPORT UNVERIFED INFORMANTION ON MY CONUSMER REPORT. XXXX AND EQUIFAX NEVER HAD MY PERMISSION TO PLACE XXXX XXXX XXXX ON MY CONSUMER REPORT. I SENT XXXX A DISPUTE LETTER AND A CEASE AND DESIST LETTER. I HAVE NEVER DID ANY BUSINESS WITH XXXX  AND HAS NEVER SIGNED ANY CONTRACTS. I NEVER GAVE XXXX PERMISSION TO HAVE MY PERSONAL INFORMATION... EVEN WHEN IN DISPUTE, XXXX  NEVER REMOVED THE COLLECTION ..NEVER PROVED THAT THE DEBT WAS OWED TO XXXX. XXXX XXXX HAS NEVER DID BUSINESS WITH XXXX XXXX XXXX. NEVER SIGNED ANY AGREEMENT WITH XXXX BUT YET THEY HAVE VIOLATED MY PRIVACY BY HAVING MY INFORMATION..EQUIFAX AND XXXX HAS ALSO VIOLATED MY CONSUMER RIGHTS UNDER THE FAIR DEBT COLLECTION PRACTICE ACT. EQUIFAX AND XXXX USED UNAUTHORIZE INFORMATION TO CAUSE XXXX XXXX SUBSTANTIAL HARM AND INCONVENIENCE BY REPORTING FALSE INFORAMTION ON MY CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, XXXXXXXX XXXX  In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The credit bureaus stated the accounts listed at the top of this complaint were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

According to the law 15 U.S. Code 1681I- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.