23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been working with reliance first capital llc out of Ohio. This process started in XX/XX/XXXX. We found a house in XX/XX/XXXX and began the process of an fha loan with myself as the borrower. I had a bankruptcy in the past with a discharge date of XX/XX/XXXX. I do however make over XXXX $ a year. 
From XX/XX/XXXXXXXX XX/XX/XXXX I have sent all documents including court papers. My attorney wrote up documentation and also sent documents. The underwriter stated he does not see enough evidence and will not allow a loan until XX/XX/XXXX 2 months after the discharge date. The underwriter has asked for item the I feel are outside of the scope of this loan. Including student loans from 20 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Re : Inquiry I was looking over my credit report and noticed I have an inquiry from your financial institution dated XX/XX/XXXX. Your inquiry is an indication you access my credit profile without my written consent as a result you received benefit for the use of my consumer credit application and was compensated. However, the consumer was denied. Please make note that adverse action against a consumer is against the law according to the Equal Credit Opportunity Credit Act which codified in 15 USC 1691c and Pursuant to liability under 15 USC 1692k.

You are subjected to criminally liability for violating 15 USC 1691 has I have proof that I was discriminated against based off the inquiry date from my consumer report and I received no benefit from your corporation. 
Your financial institution is in violations of 15 USC Code 1642, 15 USC 1681m and 12 C.F.R. 1001 because I, the consumer, made an application in good faith but no credit was granted.

Further, because my social security number ( credit card ) was used and I received NO benefit is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of your Financial Institution. The is an act of Aggravated Identity Theft.

If your Financial Institution fails to make reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make your financial instiution criminally and civilly liability for all he actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 
You will remove this inquiry from XXXX, XXXX, and XXXX. 
Respectfully, XXXX XXXX XXXX, Agent Without Recourse
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is incorrectly reporting me as an Authorized User on Chase Card ending in account # XXXX. I called Chase Bank and let them know that I did not give permission to be added as an Authorized User on this account. They removed me as an Authorized User on XXXX and XXXX, however XXXX  has not removed this from my report. I have contacted the bureau to fix this issue. The negative reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refused to properly investigate errors on my credit. I sent Equifax disputes regarding three different alleged collection accounts from XXXX XXXX on XX/XX/2022. Ive also sent in disputes outlining XXXX XXXX XXXX violations as well. In my disputes from XX/XX/2022, I listed an FCRA violation and demanded Equifax remove the account as I have the right to do under the FCRA. The alleged collection accounts are reporting i have a past-due balance with them. How can I have a past-due balance with a company I have no relationship with? Under the Fair Credit Reporting Act, I have a right to a fair and 100 % accurate report and if my credit report isnt accurate, I have a right to demand it be deleted from my credit file. Equifax has deliberately ignored all proof and evidence that Ive sent in regarding these erroneous accounts. I even sent in dispute results from XXXX showing that XXXX removed these accounts because it could not verify these erroneous, alleged collection accounts. Upon checking the disputes results, Equifax not only kept these erroneous accounts on my credit report, it also kept the past-due status on the accounts. Equifax is merely parroting information and not conducting a reasonable investigation. I also have a phone recording of an Equifax representative admitting that the company is using stall tactics to intentionally not investigate my disputes. Again, Equifax has ignored my requests and evidence that these are erroneous accounts. Equifax is guilty of enabling Identity Fraud by keeping these erroneous accounts on my credit file. To further support my statement, Equifax added a new address to my credit report ending XXXX XXXX XXXX I have NEVER resided at that address. Equifax is most certainly guilty of Enabling Identify Fraud!
Product: Credit card

I was a victim of identity theft and breach of information I never signed for a first progress credit card and its on my credit report
Product: Credit card

On XX/XX/year>, I called XXXX and I spoke with Citibank by phone to request that my account be closed. The representative spent a lot of time on the call to try to convince me to keep my account open, but switch to a different credit card product with Citibank. I explained multiple times that I simply don't use my account, and have no need for the credit line. 
The representative claimed to have closed my account ending in XXXX, Citi/AAdvantage Platinum Select credit card account ( image of my card attached ). The representative confirmed that my account balance was {$0.00}. I requested a letter to be mailed to my home confirming that my account was closed, and the representative said that I would get XXXX. 

That did not happen. What did happen is that on XX/XX/year> I received a letter from Citibank dated XX/XX/year> ( attached ) which included my Card Agreement and a Fact Sheet about my AAdvantage Platinum Select account. How could my account be closed if I have received this? So, I called Citibank on XX/XX/year> to ask. The representative I spoke with told me that my account was closed. 

Now, on XX/XX/year>, I receive a letter from Citibank dated XX/XX/year> ( attached ), stating that in XXXX my new physical card " took longer than expected to arrive '', and they don't want me to miss out on my bonus offer, so they want to give me another chance to meet my spend requirement. Again, How could my account be closed of I am getting this letter? 

I believe that Citibank 's practices are unfair, deceptive, and abusive. 

I want to close my account with Citibank. 
I want written confirmation from them that it is closed. I want them to correct the credit reporting for XXXX. 
I want compensation in the amount of {$750.00} to cover the time that I have spent to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an online dispute with Equifax, and when i was emailed that the dispute was complete, i went to the Equifax site to view the results, I was unable to access my information. I was provided a phone number, and when i called in to speak to a live rep, she had trouble understanding what I was asking her. She then asked me a series of questions and told me that she was UNABLE to verify my identity and that i needed to provide Equifax with further erification of my personal information via fax. I found this to be odd since the information i had given her i knew was correct, so i have no idea who i may have been speaking with about my personal information.
Product: Checking or savings account

On XX/XX/XXXX I had a scam caller fraudulently call from a phone number that came up as associated with Navy Federal, and fraudulently asked me for my personal information including my Navy Federal account numbers and I believe my Social Security number and other information.They use this information to get into my checking account they made me transfer funds into a cash app and then delete it my funds from my checking and savings account with Navy Federal and also withdrew funds from my XXXX XXXX go rewards card with Navy Federal, I went over with Navy Federal and the funds totaled {$1100.00}. I also made a police report with XXXX Police Department case number XXXX XXXX. I have also Frozen all of my accounts with the 3 credit bureaus because they also tried to take out a Personal Loan with Navy Federal in my name which caused an inquiry on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to ExperiaXXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/2022 and requested them to remove all old addresses, phone numbers, email addresses and employment information from the credit file and update the credit file with my current address, email and phone number. Experian never replied. 

I sent a second letter ( certified this time ) to Experian on XX/XX/2022 and made the same request. Experian never replied to this letter either. 

As a consumer, I do know I have the right to request an Experian update and remove all old and outdated information on the credit file. In refusing to reply to my request after 30 days, they have violated my consumer rights to fair and accurate reporting on my credit file.
Product: Credit reporting or other personal consumer reports

This CFBP complaint has been filled to request pursuant to FCRA & 605b ( 15 U.S.C & 1681 c-2 ) that you, the XXXX credit reporting agency block information appearing on my consumer credit report that is the result of indetity theft and fraud with in 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan open with XXXX XXXX in XXXX of XXXX. This account has resulted in fraudulent collection appearing on my consumer fico credit report I due not recognized the afforemention accounts, collection as reported. The aforementioned accounts, collection appearing in my credit report were not open by me, this account is a result of identity theft and fraud I have attached a copy of the FTC identity theft criminal complaint # XXXX as proof from the US FEDERAL TRADE COMMISION that all of the aforementioned consumer credit accounts, collections are the result of indentity and fraud.
Product: Credit reporting or other personal consumer reports

Hello I have been letting XXXX, Transunion, and XXXX know that my identity was stolen on XX/XX/2023 and that these individuals stole my ID ( drivers license ), as well as my social security number as well. These individuals have been calling to verify account balances and personal information that was also stolen from me and I made all 3 credit bureaus aware. Ive also filed a formal police report and they have done nothing at all in regards to this issue. No one I have been reporting this to has taken this matter serious at all. So I am filing complaints to CFPB to try and get some type of help or resolution or guidance on what to do.
Product: Mortgage

As a follow up to all my previous claims, which I find unreal. I just received a XXXX from Bank of America today which is XXXX XXXX, 2015. The package with areturned envelope is asking again for my XXXX form that I submitted XXXX times inthe course of XXXX months, another application which both items were accepted asof XXXX XXXX, 2015, asking me to fill out these forms again. I find this whole processvery unreal. I am forwarding the information to the agency along with the letterand other relevant documents provided to the bank to the Consumer Financial ProtectionBureau, which I hope will put a cease to these unreal requests with violations.
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 : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX5 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 reporting, credit repair services, or other personal consumer reports

In accordance with the fair Reporting act XXXX  Account XXXX  XXXX, XXXX XXXX, XXXX, and JPMorgan 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 an account without my written instructions.

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

I attempted to withdraw funds from an ATM. Cash was not dispensed do I reported the error. The bank has rejected my complaint stating that the ATM in question had balanced and they claim the cash was dispensed but they will not provide me with the proof. 

I have witnesses who can verify of the ATM malfunction.
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 : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 reporting or other personal consumer reports

I am submitting a formal complaint regarding the incorrect reporting of the following accounts on my credit report : # XXXX, # XXXX, and # XXXX. Despite providing clear evidence of these inaccuracies in my previous communications, I have received only generic responses and no corrective action has been taken. The reporting of these accounts is fundamentally flawed, particularly the inclusion of a credit limit and past due balance on charged-off accounts, which should be closed and not carry such details. These ongoing errors are causing significant harm to my credit and are actively preventing me from accessing new credit opportunities. It is not only frustrating but also detrimental to my financial well-being. The continued presence of these inaccurate accounts on my credit report is causing significant financial harm, and I expect immediate action to be taken to remove them. I trust that you will treat this matter with the urgency and seriousness it deserves.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2018I had issues with my bank and proving my identity. I went to Identity theft hotline and reported the problem how someone else had my social security number and was getting credit cards, car loans, and retail cards under my social security. Once I received the recovery plan one of the steps was getting my credit report. I went on Equifax and created an account to receive my credit report and I was asked about 5-7 security questions that were not in any way related to myself. I ended up getting locked out of Equifax and now I'm having trouble trying to get my credit report for the recovery plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX XXXX and there was an agreement with the company that they would report the account as paid as agreed with no derogatory information. A conference call was made to the home office upper management and they indicated they would send the information to the bureaus. I thought this would have been resolved already. When I received a copy of my credit report it was not resolved. I then had the account disputed in hopes Equifax would contact the company and the company would confirm the payment history should be corrected. Apparently this was not done or the response I received from Equifax would have reflected the correction. This would indicate to me and anyone else Equifax did not contact the company and investigate the account.
Product: Money transfer, virtual currency, or money service

1. The account is registered ( deactivated ) in XXXX, and the payment terms of XXXX are applicable. Square binds customers to its XX/XX/XXXX updated payment terms. 
2. Your email customer promises to review and release within 90-120 days. You broke the contract without any results. 
3. The account did not trigger the 12 items you mentioned ( no customer refunds or disputes occurred ) 4. The account was delayed for 2 years. You did not contact the customer to propose a solution midway and deliberately delayed the process. Instead, after complaining to XXXX XXXX XXXX, it will be " permanently retained '' and based on your company 's payment terms XXXX ( it does not indicate that you have this authority ) ( or trigger Article 12 ) ) Summary : Square Company complained that the manager abused the terms, breached the contract at will, bullied consumers, and deducted customer funds at will. It is hoped that the relevant financial departments will intervene to investigate Square.
Product: Vehicle loan or lease

IF YOU NEED THE PROOF, I HAVE ALL THE COMPLETED DOCUMENTS TO CONFIRM MY CASE .... 

I WANT THIS FIXED PROPERLY & I KNOW WITHOUT YOUR HELP THE BIG BANK WILL NOT TREAT THE CONSUMER FAIRLY ... .THAT IS WHY I 'M CONTACTING YOU. 
IM SURE THAT I 'M NOT THE ONLY PERSON THEY ARE BREAKING THE LAW WITH THIS SITUATION IF THEY FEEL THIS COMFORTABLE DOING IT TO ME. 

I HAVE TRIED AND THEY CONTINUE TO DO THE SAME THING OVER & OVER & OVER AGAIN ... .THIS LOAN IS ALMOST 11 YEARS OLD .... XXXX 2007 THEY ARE BREAKING THE LAW, IF IT WAS ME I WOULD BE IN JAIL ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX TO : CFPB RE : Complaint XXXX to Present Date Update ALL Credit Bureaus to Reflect Account Paid in Full/ Not a Charge Off-Restore My Good Name XXXX. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / New Vehicle ( AKA The chain of Names has changed : XXXX XXXX XXXX, KIA Finance America, and XXXX XXXX in my credit bureaus without advising me as a consumer ) XXXX. 
XXXX XXXX XXXX Total Vehicle Loss / Car Accident XXXX XXXX Paid in Ful Total Loss Claim {$20000.00} Check # XXXX PAID IN FULL TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. 
Credit Bureaus were never updated to reflect paid in full account as closed Paid in good standing. 
The account errors to date reflect charged off closed account worst payment status, shows last payment XXXX. Balance owing {$2400.00} in XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USED FRAUDULENTLY TO OPEN FRAUDULENT CREDIT CARD ACCOUNTS IN MY NAME THEY DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX XXXX. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Credit Limit Monthly Payment Highest Balance Terms Responsibility Your Statement : Charge Card XX/XX/XXXX Closed Closed. {$680.00} written off. 
XX/XX/XXXX 0 % {$0.00} XX/XX/XXXX {$400.00} {$0.00} {$680.00}
Product: Debt collection

on XX/XX/2017 my parents received a phone call from some man stating that he was a XXXX County ( GA ) detective and that he had court documents to serve me with. He gave my mother a phone number to call if I needed more time to work this out. Well, I called the number XXXX case # XXXX and was transferred to a XXXX XXXX from XXXX XXXX XXXX She turned out to be one of the rudest persons I have ever spoken to in my life I started asking her questions regarding this debt and that 's when she started to call me names, stupid ( she told me she was smarter then me ) and she also stated that I had selective memory on my debt that I owe which she had stated was about 8-9 years old, she threatened to go to my job etc ... .. The first call she hung up on me so I called her back and that 's when she really start the name calling so I must admit I lost my cool and told her to go ahead and send me the XXXX papers Anyway, I have a document, release of liability, from a law office that I have already paid this debt which is from HSBC ( XXXX ) but this women would not even listen to me