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

It is EXPERIANs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 2 inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/2021 and a 90 day late payment posted in XX/XX/2021. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, IL XXXX
Product: Credit card or prepaid card

It has been a couple of years since I worked with a debit repair program. Ever since I have only had a XXXX card with a low credit limit which I did not include in my Debt repair. During this time I have used this card and paid off my balances each month. 

In XXXX I was looking to book 2 tickets to XXXX. Every time I looked at Southwest Airlines, there was an offer from Chase. The promotion was earn XXXX miles and a companion pass after 3 months. I resisted the urge to apply even though I had been wanting a card that earned miles to make travel affordable for my family. I continued to look for flights, every time seeing this same promotional offer. I was even emailed the same offer. When I finally booked my tickets, I decided to apply for the offer. I had some big purchases I needed to make, ( and the money to pay for them ) and I knew I could make the 3 month spending requirement for the offer. While I was applying, I returned to the original page 2-3 times to make sure I clicked in the right place and was applying for that specific promotion. Every time I clicked on Apply in the promotion banner, the information I had already entered was still there, so I submitted my application. I was approved with a high interest rate and {$3600.00} credit limit. I felt confident I could pay my balances each month and could avoid the interest. 

About month into having the card, I emailed Customer Service to ask them if I paid my balance before the billing cycle ended, would the balance still count toward the offer of XXXX miles and a companion pass. The customer service rep responded and informed me the promotional offer I mentioned was not the promotion I was given. Instead I was given a {$200.00} credit and XXXX miles after the first month. I would not have applied for a card with that promotion, and I never saw a promotion with a {$200.00} statement credit and XXXX miles. The rep apologized for the confusion and asked that I send them an offer code or an email with my name on it that shows the promotion I believed I had applied for in order for them to match it. I sent pictures of the promotional offer in my email with my name on it. The next response, was that promotion had expired and there is nothing they can do. I emailed again and said it was not expired when I applied for my card, and I would not have applied if I didn't think I was earning XXXX points and a companion pass. I asked them to show me in the Credit Card Terms and agreement where it says the applicant is not guaranteed the promotion they apply for and promotions are subject to change even in the middle of the application process.

So now I have a new high interest credit card that I don't even want anymore because of their bate and switch tactics.
Product: Debt collection

I received a mail solicitation dated XX/XX/XXXX from Southwest Credit to settle a debt for {$1100.00} with XXXX XXXX. This is not my debt. My only business with XXXX XXXX XXXX service, which has been managed by monthly autopay for many years. A call placed XXXX to Southwest Credit confirmed that the address associated with this debt is in Texas -- I have lived at the same residence in Massachusetts for 20 years. A check of my credit report shows this debt with Southwest Credit and several false addresses listed between XXXX in Texas and Nebraska, which I disputed. 

I have received solicitations from other debt collectors and I've had a difficult time discerning if they are legitimate. I am reticent to provide PPI to a company that may not be operating legally. I'd like to clean my credit report without dealing with collection agencies that I have no business with. 

I've put a fraud alert on my credit report effective one year through XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I mailed a debt validation letter to Bank of America, which is my legal right under the FCRA. I obtained proof that Bank of America received this validation request on XX/XX/2019. My validation letter was received by XXXX XXXX at XXXX XXXX on XX/XX/2019. I have attached both documents in this inquiry. According to the FCRA, Bank of America had 30 calendar days to respond to my request. Today is XX/XX/2019, and Bank of America failed to even respond to me, and is therefore in violation of the FCRA. They have to remove this account that they are reporting delinquently immediately from my credit bureaus because they are in violation of the law.
Product: Credit reporting or other personal consumer reports

I am not able to view my credit report at ALL. Everything is blank no accounts, no payment history, or creditors. When I log in on myequifax.com, I get a message to contact XXXX and give the code XXXX. I did this several times and was told to send in my information to have it lifted. I sent certified mail twice that included my DL, SS card, current electricity bill and a letter stating I wanted the issue fixed. One representative I spoke with stated it was an internal block and once I sent in that information it would be fixed in 4 business days. It has been over 2 months and 2 letters later. Certified mail tracking numbers are : XXXX received XX/XX/year> and XXXX received XX/XX/year>. I can't get any items from creditors because they only see my name with no credit score when they pull my credit from Equifax.
Product: Checking or savings account

I opened a savings account with Citibank on XX/XX/2023. I had deposited money into said account during that time. They said they would be sending me an ATM/Debit card associated with this account. I never requested a card to be sent but figured it was normal procedure. 

On XX/XX/2023 I received an email from Citibank saying ATM/Debit card was shipped. 

On XXXX XXXX Sunday XX/XX/2023 I received an email saying my ATM/Debit card had been successfully unlocked which I had not done because I never had the card in my possession. I went to check my mail and the card was not there. I immediately logged on to my Citibank account and noticed that {$1000.00} was withdrawn from a XXXX XXXX  near my place of residence at XXXXXXXX XXXX Sunday XX/XX/2023. I knew that my card had been stolen. 

After seeing this, I went into my Citibank account and locked my card as I called Citibank to file a dispute at XXXX on Sunday, XX/XX/2023. 

After filing a dispute with Citibank, they told me they would be sending a new ATM/Debit card which would be new and sent via XXXX instead of USPS. I received the new card on XX/XX/2023 and activated the card which I now have over the phone with them. 

After waiting for my dispute to be solved, I received a results letter from them XX/XX/XXXX saying that I would not be getting money back. They said the activity was consistent with my account ( I hadn't done anything but deposit money into the new account ). 

I filed a police report for the mail fraud as well as a report for the ATM theft because it was two different county police departments. After waiting for the police to do an investigation and get photos from the XXXX XXXX, I received photos of a suspect who we now know ended up taking the money out of the ATM. I have police reports and backup to prove that this was not myself. 

I have tried countless times with Citibank to explain but they continue to " investigate '' and deny my dispute claims multiple times even with the proof from my filed police reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. FNB OMAHA XXXX Date Opened XX/XX/2017 Balance {$3500.00}
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue regarding unauthorized hard inquiries on my Equifax and XXXX credit reports dated XX/XX/year>. These inquiries indicate an attempt to open an account in my name, which I did not authorize or initiate. 

While I do currently hold a XXXX  XXXX account, I wish to clarify that I am not disputing the existence of this account. However, I must emphasize that the hard inquiries on my credit reports are unauthorized and have resulted in significant distress and disruption to my financial affairs. 

I recently became aware that I am a victim of identity theft, and I have taken immediate steps to address this matter. Enclosed with this letter, you will find a copy of the police report documenting the identity theft incident. 

I kindly request that XXXX XXXX takes swift action to investigate and rectify this situation. Specifically, I ask that you contact both Equifax and XXXX credit reporting agencies to request the removal of the unauthorized hard inquiries from my credit reports. These inquiries are adversely affecting my credit score and financial well-being, and their removal is essential to restoring the integrity of my credit profile. 

I trust that XXXX XXXX will handle this matter with the utmost urgency and professionalism. Your cooperation in resolving this issue promptly will be greatly appreciated.
Product: Mortgage

I have been working with Intercontinental Capital Group ( ICG ) since XX/XX/2021. My family is trying to refinance our home that has an FHA loan. ICG was initially very aggressive with their communication with us, trying to get us locked in with their company before we shopped around. After some discussion, we decided to go with ICG. We were very prompt with them whenever they asked us to return/sign documents ( always returned within a matter of days and/or updated if we needed more time before submitting a document ). 
We have already paid money for this refinance with ICG. 
We were promised an initial closing cost of a couple hundred dollars. In XX/XX/XXXX an ICG rep called us saying we owed {$5000.00}. I told them we did not have that money and that is not what we initially discussed. The rep said that they would call back after discussing with their team. 
We have received no communication since then. We have attempted calls and emails each week with no response. Today when I tried to email, I got an automated message saying that both reps at ICG have blocked incoming emails from my address. 

NMLS : XXXX NMLS : XXXX We just want to refinance our home and be done with this. Please help.
Product: Mortgage

I have been working on this short sale for awhile now. I had XXXX approval letters on hand XXXX for XXXX and XXXX for XXXX. The reason for lower offers is this house has a lot of repairs. Also, the furnace is not working. When the loan was transferred from nationstar to rushmore they said we would be able to pick up where we left off but they ordered a new BPO and the value came back at XXXX. It is hard for me to believe that in 3 months the property value can go up XXXX. There are houses listed for this amount in the neighborhood but they are regular deals and in prestige brand new conditions. Why is someone going to offer XXXX on a house with a bunch of repairs and that you wo n't even have heat in the winter when you can offer it on a brand new home. 


The appraiser did not know how to read instructions and he got mad that he went to the property and could n't open the lock box. I think he got mad at the realtor and took this appraisal personal by jacking up the price. I work in real estate and never in my life have a seen market value jump up XXXX. There was XXXX BPO done by the previous lender and both came in at XXXX and XXXX range. My client is being treated unfairly in this situation and being denied the chance of getting a short sale.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself insert name last four Social Security number is XXXX, XXXX XXXX XX/XX/year>. Please delete the following accounts. 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: Student loan

we made a debt consolidation loan with Penfed to pay off XXXX XXXX loans back In XXXX. Our first payment to Penfed was due and so was our XXXX XXXX payment. As of today, the XXXX XXXX loans have not been paid off. Someone is holding onto that money, and collecting interest while we are having to make 2 payments now to avoid any late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of 100 % correct. This has damaged me and held me back for some time. Im demanding the CFPB to enforce the deletion and correction of the following items : Hard Inquiry : XXXX XXXX XXXX ( Bank ) Hard Inquiry : XXXX Hard Inquiry : XXXX XXXX
Product: Checking or savings account

XXXX dollas was taken 3 times for overdraft fees when the money was being held and we had the money in the account. we did make one overdraft payment but the holds held the amount out
Product: Credit reporting or other personal consumer reports

I recently noticed a fraudulent account has been reinserted into my credit report. This account was previously removed because it was a result of identity theft, and I would like to formally dispute its reinsertion. Please provide documentation proving the legitimacy of this account.XXXX XXXX XXXX XXXX Account
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX - XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I received a letter in XX/XX/year> stating that I had been part of XXXX XXXX people that were affected by a data breach for Title Max or TMX finance. The letter had an engagement number on it although I lost that letter but I did in XXXX identity that was provided to me by Title Max finance and {$1.00} XXXX policy however never paid out, Ive been through homelessness with no vehicle back to an abusive situation because I didnt have the credit score to support any kind of living situation. My children are now living with my mother and I need to buy a house currently. My credit score is gone from a XXXX to less than XXXX at times they were over 300 inquiries on my credit report on each bureau. All of my credit accounts were taken over my bank account was taken over and all yall did was provide me with a measly {$1.00} XXXX policy that never paid a XXXX XXXX. I have made two claims that were valid and shouldve been paid with experience identity Work that was provided to me by Title Max or TMX fine finance now Im told that I cant even contact the legal department. The year was XXXX identity works us up and all Ive done is remove 270 inquiries in one fell swoop, which tells me they couldve done that with all of these credit accounts I made two claims with XXXX identity works that I want paid out by Title Max finance because they are responsible for every single thing that I am talking about
Product: Debt collection

I have received phone calls and correspondence from a collections company XXXX XXXX XXXX XXXX ) attempting to collect funds for an account associated with one of my emails. I never created or opened an account with the source company ( PayPal ) with that email and have confirmed that with PayPal. I have submitted a fraud affidavit and am taking needful alert steps on my credit report. It's a small amount. This entire situation doesn't seem to make sense.
Product: Credit card

There was an application submitted on XXXX XXXX, 2016 for XXXX XXXX Visa through Comenity Capitol bank. It resulted in an online approval. However, I called and was told that it was only a soft pull. Subsequently the account was closed before the card was ever sent out. This additional account totally XXXX up my XXXX and also showed as a hard pull from XXXX.
Product: Debt collection

Good Afternoon, Please remove debt, submitted complaint through CFPB portal which company responded to have debt removed. 

Company letter attached and CFPB full complaint. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I established an investigation of some accounts with erroneous information and after reviewing your response I perceived that some accounts are still incorrect, with verified status. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/2014 XXXX XXXX  XXXX XXXX Balance {$8300.00} Date Opened XX/XX/2014 XXXX
Product: Debt collection

Company has repeatedly called despite the debt being paid. They called me XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX even though I already paid them off. They just won't stop calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and i have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX FINA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX FINA Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

9. Identity Theft XXXX CRD Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine.