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

I have been waiting for months after reporting fraudulent accounts on my consumer report to Experian, expecting the Fair Credit Reporting Act ( FCRA ) to be followed promptly. This is my third time reporting information about my dispute of fraud identity theft to the Experian fraud department. I have diligently provided all necessary documentation, including the Federal Trade Commission ( FTC ) identity theft report, which details each fraudulent account, and police reports. Additionally, I provided front and back copies of my state photo identification card, along with all other required related information to support the fraud claim, to be handled accordingly with the laws of the Fair Credit Reporting Act. 

Despite providing all required documentation, Experian has failed to take action to block or remove this information. The FCRA requires companies to comply with removing or blocking all accounts within four days of receiving documentation of identity theft. However, Experian did not adhere to their word to do so and instead provided me with information stating an update to the accounts. 

This delay has caused significant distress and financial harm, as I am relying on Experian to conduct a thorough investigation and remove the fraudulent items from my report in accordance with the FCRA. As outlined in the FCRA, consumers have the right to dispute inaccurate or fraudulent information on their credit reports and expect timely resolution from the credit reporting agencies. 

Experian 's failure to promptly address this matter not only violates my rights under the FCRA but also prolongs the harm caused by the fraudulent accounts appearing on my credit report. I urge Experian to prioritize the resolution of this matter and promptly block or remove the fraudulent accounts from my credit report as required by law. Additionally, I request that Experian provide me with updates on the status of the investigation and any actions taken to address the fraudulent activity on my account. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXXXXXX account XXXX XXXX account XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. These accounts do not belong to me. They should not be on my Experian credit file.
Product: Debt collection

Navient is attempting to collect a private student loan debt that I am the co-signor on for my XXXX. I am paying on the debt weekly to the best of my financial ability and Navient continues to call me repeatedly and daily up to 15 times per day. They also send repeated letters threatening default and other legal action. This is causing great emotional and financial stress. They are refusing to work out a payment plan but continue to cash the weekly payments and continue to place upwards of 15 phone calls daily. I have been making weekly payments for 16 weeks Navient has never provided a copy of the original loan documents. I am not sure that Navient was the original lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX have refused to remove a Medical debt account from my credit reports with them, even though the account was listed as a collection accounts less than 180 days since it 1st became delinquent. The account is from XXXX XXXX XXXX ( reported via XXXX XXXX XXXX ) for {$4.00} and 1st became delinquent onXX/XX/XXXX. The account was published as delinquent and a collection account onXX/XX/XXXX, for a total of 173 days since 1st delinquency. There was a miscommunication with insurance but this debt has since been paid. I tried to dispute this account with Both credit reporting agencies ( Equifax and XXXX ) but they refuse to explain why they are still listed and have not updated the actual dates of 1st delinquency and date of 1st report as a collection account.
Product: Checking or savings account

In XXXX I opened the Cash App app to check my account and I found out that I was banned for violating their acceptable use policy. I kept pressing them for answers as to why I was told that they were not allowed to divulge that information to me. Eventually they stopped responding to my inquiries and it was like I was talking to myself. It is now XXXX and both my email and Social Security number are still banned with them and I can't make a new one without getting flagged.
Product: Checking or savings account

This is about a Capital One promotion posts under my 360 checking account, it's called " Capital One Offers '' ( not Capital One Shopping ). The offer was ( is ) click the button " 4 % XXXX '' then get 4 % cashback deposit to my checking account. I attached a picture on this promotion. 
So I made a purchase on XXXX XXXX XXXX with clicking through the button, total is $ XXXX {$810.00}, but never received the 4 % cashback until today. Contacted XXXX but didn't get a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw an account pop up on my credit report listing me as an authorized user for a credit card account with XXXX. I do not have a credit card with XXXX, I have not applied for credit with XXXX, and I have no knowledge of this account with XXXX. I started a dispute through Experian and XXXX  online. The results came back that the entry remains. I contacted XXXX and they have searched my social security number, and have no record of a credit account or authorized user account with my name. Experian will not remove this fraudulent entry, and it is adversely affecting my credit rating. The account they are reporting has been updated by XXXX.
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX data breach. I want these items, delete it from my credit reports as you can see the CAPB actually deleted them because I was a victim of this data breach. 
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

list of all the negative accounts from my credit 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 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: Mortgage

Because I view CFPB as a neutral government entity, I feel confident that keeping you updated to my plight is the right thing to do in my complaint process. I have submitted documents several time to Ocwen for a modification over the past month. My previous experience over the past years of dealing with this company is the issue of them stating documents are missing or information is missing. This is the same thing I have been told several times including two days ago, as the reason my request has not been processed. As a record I sent the documents through several different well established organizations proving the documents were sent and what was sent. Most recently I am told my IRS form and section XXXX and XXXX are missing here are the documents. I do n't understand why Ocwen is refusing to work with me.
Product: Debt collection

Debt collection company called me out of the blue and stated that I owed a debt, that was more than 20 years old. The statue of limitations for collecting a school debt in Michigan is six years. When I spoke to them, they said, they were going to take my taxes and report me to the three credit bureaus. They the also stated that the debt has occurred interest day by day. The debt was twenty years ago. the amount owed they were claiming I owed was {$860.00}, they also told me I had a XXXX principal.
Product: Money transfer, virtual currency, or money service

i transfer my money using my edd debit card to my chase bank but for some suspicious activity on my chase bank it was closed and then i called them and ask what will happen to the money that i transfer through my chase bank, they said it will go back on my account but until it hasn't posted on my edd debit card, i did the transfer last thursday.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I came to this country my friend co-signed on a private student loan through  XXXX  in which I make on time automatic payments each month for. He fell on hard times and filed bankruptcy. Transunion is reporting on my credit that the account was included in bankruptcy which is not correct for my status and is completely ruining my credit and inhibiting me from using it. In the attached document it is very apparent that   XXXX   and  XXXX  are reporting correctly and Transunion is not and the score on Transunion is  XXXX  points lower. If I had filed bankruptcy do you really think my scores would be in the high  XXXX  's. I have perfect credit and expect this to be addressed and corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct. XXXXXXXX XXXX XXXX XXXX  Acct . XXXX, XXXXXXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX. Acct # XXXX, XXXX XXXX  Acct, XXXX, XXXX XXXX XXXX XXXX Acct. XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Bankruptcy Discharge Acct # XXXX has violated my rights. 

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, credit repair services, or other personal consumer reports

In XXXX, XXXX, XXXX of XXXX, i filed a dispute with Equifax about the unverified accounts : XXXX XXXX XXXX accounts numbers XXXX, XXXX, XXXX and XXXX XXXX XXXX account # XXXX. In those three months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today XX/XX/2020. Thank you
Product: Checking or savings account

I contacted XXXX XXXX XXXX billing department on XX/XX/2020, the customer service agent stated that she did not see any payment of {$25.00}, {$5.00}, or {$10.00} in their system. On their website ( XXXX ) the {$5.00} has been posted but not applied to my account. My medical bills are paid in full. I have filed a dispute with Chase Bank on XX/XX/2020 for the amount of {$25.00}, {$5.00} and {$10.00}. On XX/XX/2020 I received an email from Case Bank stating thats mine requirement has been resolved, I haven't been reimbursed
Product: Mortgage

I started with a refinance on XXXX, gave the a {$500.00} good faith deposit on XXXX, after several weeks, and lots of paperwork sent to them, I got an appraisal on my home on, XXXX. 
Then after several more weeks, I get 4 loan estimates ( non of which was for what I had been told ) I was asked for more check stubs, and other paper work. 
My interest hold was running out on XXXX, and got extended until XXXX, and still no closing date. 
On XXXX I got referred to another person at Rocket, that was a " top specialist '', to help get this closed. It was him that came up with the inspection report? He said I needed to see page 4 and do the foundation repair before the loan could close. I only had until XXXX to get that done? They drug their feet for 60 days, and were only giving me 3 days? 
He said Rocket would withdraw the lone if I didn't, I had an appraisal not inspection, I don't have a foundation, and I couldn't get it done in 3 days. 
I know they will say I withdrew the loan and I don't get my money back, they never intended to loan my money they just didn't have the balls to tell me, so they came up with something I couldn't do, to say I did it. 
when I told the " specialist '' that he referred me Client Relations, I got one call from them that I missed and have not heard anything else from Rocket.
Product: Debt collection

I contacted one creditor to make pay arrangements they would not if it wasnt the amount they wanted ( minimum ) It went to collection it was written off then During Covid the resumed a new creditor trying to collect it mailed me a summons hand delivered. During Covid I had to move and now pay rent!!?? So my creditors some just put into collections then 3 years after now all these creditors are trying to sue me. 
XXXX XXXX on state help and trying to care for my XXXX XXXX XXXX mom. 
It just seems so unfair that all this happened due to Covid pandemic and this can take place. 
Galaxy I pay XXXX a month court Frustrated
Product: Credit reporting or other personal consumer reports

I am reaching out for your assistance in reviewing accounts from these companies that are inaccurately reporting late payments. After checking my credit report, I noticed certain accounts showing late payments, which is incorrect. These accounts should not have any late payment remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Financial reported a few hard inquiries to my consumers credit report. I did Not give them my written consent or permission to do so. No consent is identity theft and unauthorized use. Capital One Auto financial had also sent me numerous of letters in attempt to collect a debt ( harassment ) which is also against the U.S. codes. Title 15 1692 ( d ). In one of the pictures below, Ive underline where Capital One states that This communication is from a debt collector and is an attempt to collect a debt ; any information will be used for that purpose
Product: Credit reporting or other personal consumer reports

XXXX previous case XXXX stated that when the account owner added me as an authorized user, I can not opt out of credit reporting. they agreed to stop future reporting once I was removed. I was removed and the transaction was removed from experian, but is STILL reporting to Equifax and XXXX as of the XX/XX/year> credit report. I want the tradline removed from those XXXX reports!
Product: Credit card or prepaid card

I applied for an HSBC credit card and was approved. This was on XX/XX/18. Since then I have been unable to use the card because the account has been frozen. I have been trying to contact the conpany since I recieved the card and haven't been able to speak to anyone that can help. Every time I call " Customer Support '' I am on hold for 20 minutes and then the person answering says they have to transfer the call to another department. This happens over and over until finally they either hang up or tell me to call back later. It has been over 6 weeks and all I want now is to close the account - but I can't even do that without talking to someone.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several inquiries on my credit report that I recently reviewed. Upon examining my credit report dated XX/XX/2024, I identified certain inquiries that I do not recognize and believe were made without my authorization. These inquiries are as follows : 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 Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit inquiries may only be made under certain permissible purposes, such as with my explicit consent or in connection with a credit transaction initiated by me. Since I did not authorize these inquiries and have not initiated any recent credit transactions with these entities, these inquiries appear to be in violation of the law. 

I request that you immediately : Investigate these inquiries. 
Remove all unauthorized inquiries from my credit report immediately. 
Provide me with the results of your investigation, including the details of who initiated these inquiries and their stated permissible purpose. 
In accordance with my rights under the FCRA, I expect that this matter will be addressed promptly. I would appreciate your written confirmation of the removal of these inquiries and the steps taken in response to this letter. 

Please consider this a formal dispute of the unauthorized inquiries. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a hard inquiry for a credit card at Walmart and I have never applied for a Walmart credit card. I am trying to have it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I would like to request you to do an investigation against the Experian Company, XXXX. XXXX XXXX XXXX, TX, XXXX, US, which has constantly reported my credit score inaccurately, and not paid any due attention to my requests. I had to lose my credit due to its improper and inaccurate reporting of my credit score to XXXX XXXX on XX/XX/XXXX. For example, when I applied for a personal loan to the XXXX XXXX, my loan was denied citing the low credit score XXXX reported by the Experian Company, when my actual score was XXXX as reported by XXXX XXXX ( see the enclosed credit report of the XXXX XXXX  ). Likewise, it reported the even lower score for the XXXX, XXXX XXXX, and others. The company has also failed to correct the inappropriate reporting when I filed a series of disputes against XXXX XXXX Company and XXXX XXXX, which have denied my requests for the disputes. For example, when I disputed with XXXX XXXX Company for the reported amount in XX/XX/XXXX ( XX/XX/XXXX ), they denied my dispute. However, the same company later acknowledged in XX/XX/XXXX ( XX/XX/XXXX ) that there were some undue fees charged to my account ( see the enclosed from XXXX XXXX Company ). 

Thank you, Sincelry, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and several accounts were fraudulently opened in my name. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request the immediate removal of the following accounts from my TransUnion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These XXXX accounts are fraudulent and must be removed. Please ensure compliance with FCRA 605B and confirm the resolution of this matter.

Specifically, I want XXXX accounts removed.
Product: Debt collection

There is extensive documentation located in XXXX XXXX, FL XXXX XXXX case XXXX, which detail XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX clear and deliberate violations of Florida 's Landlord Tenant Law XXXX 

In a nutshell, the Landlord filed an eviction against me, I responded with detailed documentation of deliberate violations by XXXX of FL Landlord/Tenant law. Before the hearing took place in XXXX, I vacated the premises which I notified the judge of at the hearing. The judge asked XXXX 's attorney how they wished to proceed, the voluntarily dismissed the case. 

I never received any written notification from XXXX regarding any charges and thought the matter was settled until I received a collections notice from Rent Recovery Solutions ( RRS ) in XXXX of XXXX  stating I owed over {$12000.00} to the complex. I disputed the collections and requested RRS to validate the debt, I received a stated in the mail indicating a zero balance. 

In XX/XX/year>, I applied for a HELOC to consolidate debt and was denied due to the collections placed on my account by RRS and XXXX. 

The companies are using illegal practices to cause hardships on consumers when they are clearly the parties who are in violation of the law. I intend to file a lawsuit against XXXX for the XXXX XXXX and to clear the negative credit rating on my credit reports if this issue is not resolved expeditiously.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently was made aware that there was a balance on my Citibank Mastercard. I called and paid off the account on XX/XX/2020 with the understanding that this would end the negative reporting to my credit report files as required by the fair credit reporting act law. Citibank continues to report negative reports to the credit bureaus about this account even though l paid this account off. I spoke with manager XXXX # XXXX ( XXXX ) on XX/XX/2020 to try and resolve this issue but he refused to listen to reason or accept that I have the receipt showing that the account was paid off on XX/XX/2020. Furthermore, XXXX insisted that even though I paid off the account, Citi bank had the right to continue to submit negative reports to the 3 credit bureaus about this account that I paid off. This is a direct violation of the Fair Credit Reporting Act. I am really bothered by Citibank 's unethical practices and want this matter resolved ASAP!
Product: Credit card

I kept getting junk mail from capital one saying if I applied for their quicksilver card and was approved, I'd get a {$300.00} statement balance if I spent {$500.00} in the first 3 months. I applied for the card and called now, 3 months later after having surpassed the {$500.00} spend mark and was told I wouldn't get that bonus despite the many months of junk mail stating I would.