23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my third 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 records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX  Balance XXXX {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

About six months ago, my credit rating experienced a sharp drop even though I had made no purchases, opened no new accounts, or taken any other applicable action for many months prior to that unexpected and unjustified reduction. 
I contacted each of the three major credit companies and received a response from only Equifax. But their response did not address my question at all ; they merely sent me a copy of my credit file ( many many pages of past accounts ). My review confirmed that there was no obvious justification for a reduction I went back to Equifax three times since then, explaining that I didn't want anything more than an explanation of why my credit rating had been reduced ; but all I received each time was a two-page letter that said the results of their Reinvestigation was : " Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute '' all of which, each time, completely unresponsive to my request. 
It seems absolutely ridiculous that the formulation of a credit rating should be based on such obscure criteria that the public can never figure out why a reduction or increase has taken place. I believe it is critical that whenever a change is made to a person 's credit rating, the credit bureau should be required to notify the person affected exactly why the change took place - especially these days when so much of what happens in a person 's life depends on his or her credit rating. The current system is almost as bad as if a doctor refused to tell a patient what exactly made him sick, even though the doctor knows full well exactly what the cause was ( How can a patient possibly avoid the same problem unless made aware of what caused the sickness? ). 
In any event, I would definitely like a simple answer to my very simple question : What caused the reduction in my credit rating??? Thank you
Product: Mortgage

On or about XX/XX/XXXX, we began working with XXXX ( Case-ID XXXX ) to avoid foreclosure and obtain a loan modification on our home loan. We're an elderly couple in our 60 's and 70 's with health problems. The loan was assumed by XXXX XXXX  XXXX around XX/XX/XXXX. I learned today, the property has been wrongfully foreclosed on around XXXX and the lender or the courts failed to notify us and failed to show at a mediation hearing set in XXXX XXXX XXXX County Court on XX/XX/XXXX they canceled it. To date, nothing has been informed to us and we need a translator. However, we learned today, the property was foreclosed on and we have no understanding why? The lender had asked we get more income given our SSI wasn't enough. We have taken in two renters only to learn they've illegally foreclosed on the property for owing less than $ 80K in past payments. I seek emergency help in this matter. The property is more valuable and we could have opted to sell versus an illegal foreclosure. I beg for assistance as soon as possible. One of the renters was a furloughed employee so we have delays in getting our rent in the past months as well.
Product: Credit reporting or other personal consumer reports

I have 7 unauthorized inquiries on my credit report on XXXX from the following companies XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX unauthorized inquiries on my XXXX report XXXX XXXX XXXX XXXX XXXX.GLOBAL LENDING SERVICES 4XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not correct or up to date. 
Old information keeps reappearing.
Product: Checking or savings account

I opened an account with Bank of America that had a promotional bonus of {$100.00} to be paid to me for opening the account. I met the requirements. I was not paid. I went into the branch, and the banker called customer service. The person on the phone told the banker that I already opened an account last year and was paid a bonus for that therefore I am not eligible for this {$100.00}. 

The bank is Bank of America. 

I looked at the language of the contract, and there is nothing about being ineligible to receive the bonus due to previously receiving a bonus. At best there is a line about not having a previous account in the preceding six months. Again, I met all the requirements for the {$100.00} bonus ; there was nothing in the contract about previously receiving a bonus that disqualifies me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles handling of disputes, especially in light of the recent lawsuit filed by the CFPB, which underscores significant shortcomings within the platform. Despite reporting discrepancies on multiple occasions after using Zelle, neither my bank nor Zelle conducted a thorough investigation into my claims. I was advised that recovering the lost funds was impossible and that tracking the transactions was not feasible. The CFPBs findings reveal not only Zelles failure to safeguard its users but also its allowance of repeat offenders to exploit the system, leaving consumers increasingly vulnerable to scams.
Product: Debt collection

This company has re-aged the debt in an attempt to continue to collect the debt after the statute of limitations has passed. The debt was originally delinquent as of XXXX XXXX, and was incurred in Nevada which has a 7 year statute of limitations. This debt was slated to be removed from my credit report as of XXXX XXXX. In XXXX XXXX this company changed their internal account number for my account and changed the date of first delinquency to XXXX of XXXX, and now the debt is slated to be removed from my credit report in XXXX of XXXX, another 7 years. This is affecting both my XXXX and XXXX credit reports. I have filed disputes with both XXXX and XXXX, but when they confirm with the collection company, the collection company falsely represents the debt as current, and it has not been removed from my credit report. I have copies of old credit reports from XXXX  and XXXX which shows the correct date of delinquency. 

Please help me remove this from my credit report, and punish this company for their harmful illegal tactics.
Product: Credit card

Capital One in response to the first initial complaint in regards to the incurring violation or conspiracy to violation to one soon to be Card Holder. Upon continued sorts of resolution speaking with many customers services representation of Capital One, the imposing sort of way to only receive the account to be opened further more the line of credit issued to the card would only open up due to installment of aid to the transaction. In light of this matter Discrimination comes to the surface as one capacity to contract is question. With this event the dead line to resolve these matter have been consumed by Capital One Lack of interest to resolve in a timely manner as promised in the response to the first Claim of Violations. In deep regards to this misfortune my Consumer right have been prohibited to me threw this event. 

Thank you.
Product: Payday loan, title loan, or personal loan

We were offered a free in home water test and told we needed a filtrations system to clean our water. The systems were very expensive so the company offered financing. We were lied to about the products and what they would do. We were lied to about the warranty and it's transferability. We were told that we would get all our paperwork after the product was installed. Once the product was installed and financing went through we found out they lied to us about everything so we had the water tested again and found out the water from the filtration system is dirtier than the water from the mail line. We requested a refund. The company wants to charge us again for having the product picked up and will not refund the credit the finance company. It is so complicated that I can't even accurately restate it but they refuse to issue a whole refund even though we were clearly lied to to get the equipment and then knowing the equipment is not even working as promised. We spent over 5,400.00 on this system and have been lied to and miss led the whole way through every step.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX credit reporting agencies are reporting inaccurate information in regards to late payment marks and derogatory remarks in comment section on my reports and I need the late marks removed or corrected to paid as agreed because it is affecting me purchasing my home. my rating of 99 % on time payment history has now dropped because of these inconsistencies in reporting. I am also requesting that the credit reporting agencies are consistent in what all 3 report as far as my account behavior is concerned. I file disputes with all 3 reporting agencies to remove all negative and derogatory remarks from my report seeing how I have no collections on record, no past due payments on accounts and no missed payments on my reported accounts. The comments and derogatory remarks listed DO NOT MATCH MY ACTUAL CONSUMER BEHAVIOR please advise them to correct and address the issues at hand because again it is affecting me purchasing my home right now. Thanks in advance concerning these complaints
Product: Debt collection

Calling with false information on a former business that closed over a year ago. Continues to call, hides phone number with private numbers and is just generally rude and harassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple complaints with  XXXX  for verifying my accounts with ACS/  XXXX   XXXX  . There ar e 3 accounts that are currently being reported past the seven year period of the original date o f delinquency. I have made several attempts and most recently speaking with a representative on  XXXX / XXXX /  XXXX   by the name of  XXXX  and she spoke with her supervisor by the name of  XXXX . What I was explained by both individuals the date of delinquency starts over when the account is made current. I even explained per the companies website this is n't correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I had 3 hard inquiries from XXXX  XXXX, American Express and XXXX XXXX that I did not authorize. I need that taken off as it hurts my credit score.
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. 

This company continues to report a 30 day late payment to Equifax from XXXX of XXXX 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

- I never gave these written instructions. & also.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Product: Debt collection

This is a old bill like 20 years ago can you please take this off my credit report thank you this is insane
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.
Product: Credit card or prepaid card

I received a promotional offer on my Chase Freedom card for a total of 10 % cash back on hotels booked through Chase Travel in XX/XX/2019. The offer promises 10 % cash back on up to {$2500.00} of hotel purchases. The 10 % cash back includes the usual 1 % that the card offers on all purchases, plus a bonus 9 % back, for a total of 10 %. Screenshots of the offer and the fine print are attached. 

On XX/XX/2019 I booked a hotel through Chase Travel for  {$600.00}. This is the only purchase I have ever made through Chase Travel. I received the usual 1 % cash back on the purchase, but I did not receive the 9 % bonus cash back. Chase posted XXXX bonus points to my account, when they should have posted ( XXXX ) x ( 9 ) = XXXX bonus points. A screenshot of the bonus reward activity for my Chase Freedom card is attached. 

I spoke to four different Chase representatives by phone on XX/XX/2019, but none of them indicated that they could resolve this issue.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX  a wire trace, and then a wire recall was sent to Citi Bank. 

The Recall Ref # XXXX Citi Bank is the intermediary bank that sent the final transmission of the original wire to XXXX XXXX  XXXX 

XXXX : XXXX Transaction Amt : {$23000.00} Original Transaction Date : XX/XX/XXXX  Wire Trans Reference # : XXXX  XXXX XXXX XXXX Truist sent the wire to Bank of XXXX , then XXXX XXXX XXXXXXXX sent the wire to Citi Bank , then Citi Bank claims to have sent the wire to XXXX XXXX XXXX  says they do not see a wire and they do not see a wire recall. 

Citi Bank needs to provide the information on the final transmission sent to XXXX XXXX. 

Citi Bank should provide exactly where the transmission was sent.
Product: Credit card

Recently I paid off my credit card balance with CitiCards and logged into their website to download a copy for my bookkeeper because the usual statement was n't digitally sent to my bookkeeper via the online connection. CitiCards did not produce a statement for the period even though there was a starting balance and 2 payments made. I used their online chat to get a download and the representative ( XXXX, chat team XXXX ) claimed that they will not provide a digital statement and thus would not have mailed one to me. Since I had chosen to have only e-statements they would never have mailed it.This is a violation of the FCRA
Product: Credit reporting or other personal consumer reports

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 Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$460.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1400.00} Needs Attention
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is the only bureau reporting these erroneous accounts. Per the Fair Credit Reporting Act, these accounts should be verified, which they were never verified as mine. I have no knowledge of these accounts. I contacted XXXX regarding Medical accounts as well and received no information. My next step is to pursue litigation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA XXXX accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX {$83.00} XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XX/XX/2024 SEQUIUM ASSET SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account # : XXXX Dear Sequium Assest Solutions I am writing to bring to your attention that, under the Consumer Financial Protection Bureau 's Regulation F, specifically 12 CFR 1006.34 ( B ) ( 5 ), you are required to provide validation information upon request.

As per the regulation, " Validation information means information that confirms the consumers name, the debt amount, and the name of the creditor to whom the debt is currently owed. '' I am formally requesting that you provide this validation information for the debt referenced in your recent communication.

Please ensure that the provided validation information includes : Confirmation of my name as it appears on your records.

The precise amount of the debt claimed.

The name of the creditor to whom the debt is currently owed.

I expect your compliance with this request within the timeframe specified by law. Failure to provide this validation information may result in a violation of federal regulations.

Furthermore, I remind you that all future communication regarding this matter should be in writing, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). I reserve all rights afforded to me by law in this matter. 
Thank you for your prompt attention to this request. I anticipate your timely response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the existence of a loan listed on my credit report. I do not recall taking out this loan and have not authorized any such transaction.

I request that you investigate this matter, as it may be a case of identity theft or an error. Please provide me with any documentation related to this loan, including the original application and any account details.

I appreciate your prompt attention to this issue and look forward to your response.
Product: Credit reporting

Trans Union keeps, maintains and reports fictitious information. I have contacted them 19 times. Have sent them all of the information they asked for 18 times and only keep getting more requests for the same personal info such as Birth certificate, utility bill, etc. 
I want this fictitious information removed.