23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

The past three months I have requested a credit line increase and I have been denied each time due to erroneous information. Capital One uses XXXX to render this decision but the do not have a person that can verify the credit report information in real time. I contacted XXXX and they stated my score is a XXXX as of XX/XX/XXXX, the adverse action I receive from Capital One states it's a XXXX dating on XX/XX/XXXX and XX/XX/XXXX. Again at that time I contacted XXXX and I was at a XXXX and then a XXXX. My current limit is {$500.00} and I make over six figures a year. I got this card in XXXX, the one prior in XXXX and my account has still not been reviewed for a credit line increase. I have made 21 payments combined towards these two accounts on weekly basis and in the full amount in most cases. My car loan was paid in full with no late payments EVER, I also have a Neiman Marcus card that's underwriting with Capital One. My application for the small business card was also denied and it states due to a previous application being submitted on pending but nothing has been sent to me regarding such. Which is why I am requesting my personal credit limits be increased since I am using them for business purposes.
Product: Credit reporting or other personal consumer reports

I was affected by the equifax data breach and suffered negative consequences due to that. I have negative accounts that were due to the breach that needs to be removed. Equifax is not responding to my requests. 

The following accounts need removed by law Collections XXXX XXXX XXXX - {$690.00} XXXX XXXX XXXX - {$2000.00} Neither of these accounts are mine and because my data was leaked I want them removed from my Equifax report.
Product: Credit reporting or other personal consumer reports

According to my records, this account has been closed ; however, it is being reported as open and continues to accrue late payments and interest. This is a clear violation of federal laws governing accurate credit reporting and account servicing. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to ensure that information provided to consumer reporting agencies is accurate and complete. Reporting an account as both closed and open is materially misleading and damages my creditworthiness. 

Additionally, under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), creditors are prohibited from applying unauthorized fees or interest charges to accounts that are no longer active or owed. If this account was closed, no further interest or late payment penalties should accrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not reported the payments I have made to them, to XXXX, Equifax and XXXX since XXXX XXXXPlease update this reporting.
Product: Mortgage

My loan was recently transferred to another processing company for First Community Mortgage. I mailed in my first payment to XXXX, as directed in the letter I received regarding the transfer. The payment cleared my account on XX/XX/2022. I have called the processor 4 times to ensure that my payment was processed correctly. I have been informed that there is no action I can take to ensure that the payment can be applied correctly until the end of the month. In fact, each time I have called, a customer service rep has informed me that I have a payment due on the first of XXXX. I spoke with a customer service supervisor named XXXX on XX/XX/XXXX and was informed that I have no ability to speak to anyone over him to ensure that the payment is applied correctly. He would not give me any information on who his supervisor is, when the supervisor would be coming to work, or even just the ability to leave a voicemail for his supervisor. Each time I called this company I was given different information as to when the payment would be credited to my account. It concerns me that there is no redress for poor customer service with First Community Mortgage and their processing system. 

Thank you for your time, XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX XXXX XXXX XXXX XXXX defaulted notes is a violation of UCC 9-110 and UCC 2- 401.They use the Credit Reporting Agency 's to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with AVANTE USA. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( XXXX ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( XXXX ). AVANTE USA can not and will not ever produce a contract between me XXXX XXXX, XXXX and AVANTE USA because that contract does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX
Product: Student loan

I have called Sallie Maes customer service number multiple times. There has been times where no one would even answer during business hours. I would get different scripts from different customer service contacts. I have spoke to two loan contact personnel over the past week XX/XX/18 and neither times were they willing to work with me. I have tried to keep up with my payments but they are not understanding my income compared to the amount they are trying to charge me.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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

I am writing to complain to BK OF AMER about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - REQUESTED PROOF OF VALIDATION OF ACCOUNT, REQUESTED VERFICATION OF DEBT LETTER, REUESTED PROOF OF ASSIGNMENT OF ACCOUNT, REQUESTED BREAK DOWN OF ALL FEES OWED, REQUEST NOTICE IN WRITING ABOUT REFUND FOR {$24000.00} DUE TO ME FOR OVERPAYMENT, REQUESTED FOR ACCOUNT TO BE DELETED UNTIL AMOUNT DUE IF VALIDATED PER THE FCRA AND FCDPA BUT COMPANY IGNORED MY REQUEST ; I AM ALSO A VICTIM IF EQUIFAX SECURITY BREACH, ALL INCORRECT INFORMATION NEEDS TO BE DELETED ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

Ive disputed the item with the credit bureaus XXXX, Equifax, and XXXX all of which confirmed that the public record was verified by you. Please provide the procedure in which you verify records with the credit bureaus. 

In response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately.
Product: Credit card or prepaid card

XXXX charged the card on XX/XX/12. I disputed the charged and was refunded by Citi. On XX/XX/12 and XX/XX/12 I was charged again. I do not have a XXXX XXXX account. I tried to dispute the XX/XX/12 and XX/XX/12 charge and was told by Citi since I was charged more than one month that I couldnt dispute the charge.
Product: Credit reporting

I am refinancing so I have been checking and correcting my credit reports with the XXXX main agencies. I have paid both Experian and XXXX for a " XXXX Bureau Report with Score ''. 
The problem is a discrepancy between what Experian reports XXXX score as and what XXXX reports my score to be. I understand they use different scoring scales and their propriety credit models to determine their scores, but I do not understand why Experian would report XXXX score so much lower, compared to Experian and XXXX, than the score XXXX gives me for all XXXX credit rating agencies. 
XXXX XXXX, 2015 Experian reported the XXXX Bureau Scores as below : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX reported the There Bureau Score as XXXX Experian XXXX XXXX XXXX XXXX XXXX I do n't understand is why XXXX reports all scores to be about equal but with the Experian report , the XXXX score is about XXXX points below Experian and XXXX.
Product: Credit reporting or other personal consumer reports

Since XX/XX/2023 I have been disputing multiple fraudulent that is report to my report. I have filed a police report and an FTC report and there are still some accounts that should not be on my report. I have disputed will all XXXX credit bureaus and only XXXX have resolved my issues and removed all accounts. XXXX have removed some there are still XXXX accounts that needs to be removed. Equifax have not removed none of the accounts. 


15 US. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. Its has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS XXXX  VICTIMS.
Product: Checking or savings account

I receive {$770.00} monthly from XXXX XXXX XXXXXXXX and I also receive {$190.00} monthly from XXXX. Both are deposited into my checking account monthly at Wells Fargo. On XX/XX/year> I had called my Wells Fargo bank card to check if my check of {$770.00} had yet been deposited into my account. I put in my card number and the automated system said it couldn't verify my account so it transferred me over to a representative. I gave them my information and they told me my bank card had expired they verified who I was and told me it would take 3 to 5 business days to receive my new card in the mail. I asked them if in the mean time I'd I could go ahead and go into wells Fargo branch and withdrawal my money. They said yes that would be fine I can do that. I went into the wells Fargo branch closest to me that I regularly visit on XXXX XXXX. At the XXXX XXXXXXXX shopping center in XXXX XXXX TX. I presented my ID card, my bank card and did explain to them that I was waiting on a new bank card in the mail because that one has expired so I would like to go ahead make a withdrawal. The banker noticed my ID had been expired and brought that to my attention. She then showed it to her supervisor who in return told me that the most she can give me from my account was {$25.00}. I then asked her how am I supposed to go about getting my money to pay my bills. She told me that I could go up and renew my ID and the paper that the ID place gives me would be all I need to withdrawal my money, or I could wait 3 to 5 business days to receive my bank card and pull the money out at the ATM. She also told me how to get on the mobile app and withdrawal it that way but I tried and it wouldn't let me get into the app. So she informed me again that I can withdrawal the {$25.00} and that's the most she can give me because my ID was expired. I went ahead and withdrew the {$25.00}. I then figured I would go ahead and wait on my bank card coming in the mail in 3 to 5 business days. I waited and on the XXXX of XXXX still received no bank card. I called to wells Fargo again and spoke with a representative. I explained to her what was going on she asked me a few security questions and then told me that her records don't show that a bank card has been mailed out to me. She told me the only thing I can do is go renew my ID and bring it into the bank to get my money. I told her I needed my money I have yet to pay my rent and l am currently behind on bills due to the delay with my account. She apologized. I went down to the DMV which is close to my residence that same day and they told me the soonest appointment to renew my ID is in XXXX and gave me a paper with a web address to check daily to see if I can get a sooner appointment. I can't wait until XXXX to pay my rent and my bills. I need to be able to get into my account to get my money. I've been banking with wells Fargo for close to XXXX yrs now. I've been in person at the branch several times. I don't understand how an expired ID with my picture on it is keeping me from being able to get to my money.
Product: Payday loan, title loan, personal loan, or advance loan

Saturday, XXXX XXXX I emailed the lending institution that granted me a loan for a future cruise with XXXX XXXX XXXX XXXX XXXX. The loan was originated on XXXX online and paid above business in full for a cruise to sail on XX/XX/XXXX through XXXX, XXXX. After, horrible customer service ( agents hanging the phone up on me ) and receiving threaten emails to cancel my reservation for not having a credit card on file ( because my account was paid in full on XXXX by Uplift ). XXXX XXXX XXXX owner of XXXX XXXX XXXX XXXX XXXX offered me a full refund to be paid within 7 days. This was on XX/XX/year>. However, as of today, no such refund has been received. Also, XXXX XXXX never had a reservation in my name. I wrote the Kentucky Attorney General ( the state the business is operating in ), XXXX XXXX XXXX and Federal Trade Commission ( See attachments ). The business didn't respond to any of the inquiries and the complaints were closed. I contacted Uplift, however, you can't speak to a human and they stated I'm still obligated for the loan. My last action to try and mitigate this matter, I disputed the debt on my credit reports. I'm out of {$3600.00} + interest {$970.00}. The business has promised a refund numerous of times but no refund has been received and there was never a reservation in my name. I informed Uplift and they stated I'm still responsible for the loan even though no goods or service the loan was for was received. I'm trying to keep my credit picture in tact and I'm not working right now due to an injury and my money is greatly needed. I have a payment due on the first of every month in the amount of {$190.00}. I'm paying for a service that I never received and there was never a reservation in my name. I also tried calling XXXX XXXX, but because I booked through a third party, they instruct you to call the booking/travel organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2020 I attempted a security unfreeze of my wife 's credit report etc. with Experian. While doing so in preparation for a refinance of our mortgage with Equifax and TransUnion was straightforward, Experian requires we mail-in multiple documents before they will unfreeze our account. They make it clear that were one to purchase a $ XXXXmonth service the unfreeze could be accomplished by a single click on their website. 

Exploration of Experian at multiple websites reveals that many people have had similar problems. It was only due to incompetence in the agencies that many were forced to implement security freezes in the first place, and now they further complicate one 's life by such onerous requirements. I want to begin the refinance process now rather than wait some indeterminate time ( or more likely, never based upon their marginal customer service to date ). 

I find it extremely egregious that this company, that I have no need for nor am contracted with, should have such power over my finances.
Product: Credit reporting or other personal consumer reports

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
XXXX XXXX XXXX XXXXXXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX ) Account # XXXX and ( XXXX XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX and ( XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 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 or other personal consumer reports

On my XXXX Credit report theirs is one negative item that's 80 days past due its a fraud account last four XXXX it supposed to be removed from my XXXX Credit file I have a federal trade commission identity theft report on and on experian theirs two negative items that supposed to be removed from my experian credit report I have a federal trade commission identity theft report on file and trans union theirs is three negative items that supposed to be removed from my transunion report
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 account opened at opened at XXXX on XXXX under the account number XXXX, XXXX opened on XXXX, XXXX XXXXXXXX opened XXXX on XXXX under the account number XXXX, XXXX XXXXXXXX  on XXXX under the account number XXXX, XXXX opened XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing in my consumer XXXX credit report. I've attached a list of the hard inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in question as well as a copy of the consumer XXXX credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All 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 # ( private case number ) 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.