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

XXXX. The following personal information is incorrect XXXX Date of inquiry : XX/XX/2021 Please investigate and delete from my credit report. 

2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX Account XXXX CARD Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting

my property was lost on XXXX and someone found my driver license and my social security card and other information, my credit card and they charged my credit card. I had send the police report to all three credit they do n't nothing about it. however, I fake this opportunity to address to you in order to get this resolve. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times over the past two to three months advising them that there were multiple requests for my credit file ( inquiries ) that I do not recognize or recall authorizing. Equifax has refused to remove the information ( inquires ) stating that it is a factual record. I have submitted written documentation requesting for these inquires to be investigated and Equifax again, refused to remove the information. I have notified Equifax that my information was compromised by a security breach from the federal government which was a previous employer and Equifax still refuse to remove the information. I have sent verification of my identity and requested in writing for this information to be removed and Equifax has refused to do so. I would like this information removed from my credit file.
Product: Debt collection

Account info Account name XXXX XXXX  Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$12.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$12000.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XXXX XXXX Balance {$530.00} Balance updated XX/XX/XXXX XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4700.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Note Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$3.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Closed. 
Status updated XXXX XXXX XXXX {$0.00} XXXX updated XX/XX/XXXX
Product: Credit card or prepaid card

Purchased : Tue, XX/XX/XXXX Posted : Thu, XX/XX/XXXX Services I never received I would like to be refunded. I never received services. They rebilled me for services stating they refunded me and XXXX   rebilled me. The said they never rebilled. Im seeking a full refund and any fees associated
Product: Debt collection

On XX/XX/year>, I purchased a pair of earrings through XXXX. I paid them through Affirm. The total was {$640.00}. I returned the earrings XXXX hours later. Affirm received a full refund. 

Affirm is now charging me {$28.00}, stating I owe interest on the earrings. I didn't have the earrings long enough to accrue any interest. Affirm received a full refund. 

Affirm is a scam!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I just discovered a billing problem when I checked my credit record. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labeled past due. Below is a list of the disputed account. 
XXXX XXXX Balance Owed : {$12000.00}
Product: Credit reporting or other personal consumer reports

I sent a letter to creditor XX/XX/year> stating I'm going through financial hardship and I see where this item was charge-off from my credit report but I was never sent me a 1099. Could please send me one. I also explain The way this account is reporting the account balance, acct number, the date of last payment doesn't look familiar, could you please delete this from my account immediately. This is a violation of the fair credit reporting act willful Non-compliance because they're neglecting the fact that you're requesting something that under the law 15usc1681i ( a ) ( 6 ) ( b ) ( iii ) I can request.
Product: Money transfer, virtual currency, or money service

After reviewing your account, we have determined that it is not eligible for reactivation due to several concerns regarding your activity. We informed you about this decision on XX/XX/year>. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community. 


The funds in your account will be held for up to XXXX days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 

Thank you for your understanding. 

Regards, Account XXXX.
Product: Mortgage

This is regarding a mortgage I took out on a house, with the closing date on XXXX. 

Prior to the decision to take on a mortgage from Bank of America, I received a loan estimate from Bank of America with a rate of 2 % and a lender 's credit of around {$11000.00} with that rate ( see attachment Loan_Estimate_2021 02 24.pdf ). I received a match of 2 % interest rate from XXXX as well, along with around {$6000.00} in lenders credit. I chose Bank of America because of the much higher lenders credit that they offered, along with their XXXX 's XXXX XXXX, which the load officer XXXX mentioned would cover up to {$7500.00} in closing costs. 

However, two days before the closing date, after many days of delay and silence from the closing officer, he sent me the closing disclosure ( see attachment Closing_Disclosure_2021 03 01.pdf ) that provided only around {$5000.00} in closing cost, less than half of what was initially mentioned in the loan estimate, which was supposed to have been " locked in '' per his own words. 

I tried to reach out to him multiple times after receiving the closing disclosure, and after numerous calls that went to his voicemail ( the contrast in responsiveness from the loan officer pre and post " lock-in '' was stark ), I finally got through, but he kept muddling about how amazing the rates are and that I should be happy. 

Yes, it was a good deal, but it was not what was promised by Bank of America in the load estimates. I was wary of Bank of America before making the commitment because of the complaints and lower customer service rating on the various sites ( at least than XXXX ), but I went with it anyway because of the {$5000.00} difference in lender 's credit. 

To add insult to injury, BoA is supposed to disburse part of the lender 's credits to cover the first year 's home insurance ( see Closing_Disclosure_2021 03 01.pdf again ). Three months later, I received a notice of non-payment from the insurance company. I called customer service, which re-directed me to the loan officer, who re-directed me back to customer service ( in an E-mail that said " xxx-xxx-xxxx CS '' ), who then re-directed me to my title company to ask them to see if they paid the insurance on my behalf - do they not have a record of whether they disbursed the insurance money from the lender 's credit pool? 

Meanwhile, they took out a chunk of the escrow to cover the home insurance, which isn't supposed to happen until next year, so I'm short a further {$1000.00}. The whole thing feels more and more like scam.
Product: Credit reporting or other personal consumer reports

Disputes were not properly investigated and accounts were put back on to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied opening a bank account due Bank of America reporting a negative information on XXXX XXXX XXXX XXXX. This is harming my ability to obtain a bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After Carefull reviewing my credit report it showed that I owe the following companies and i have never done business and i am requesting an investigation. I did not authorize my personal information to be used. 
Please delete the following from my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. One has sided technical issues, which may violate the electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. XXXX USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX and the Consumer reporting agencies XXXX and Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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, MI XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX {$16000.00} XXXXXXXX XXXX XXXX Balance : {$8300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I got a chase security alert that said I was trying to send a XXXX payment of XXXX dollars to a XXXX XXXX which is my daughter, and I responded no. I went to check my account and saw that XXXX had been transferred to my main account and XXXX withdrew from account, i called the chase agent, and they said nothing could be done until the pending payment was processed, which defeated the purpose. 
the payment went thru and when i tried to dispute it they denied my request for a reversal i check with my daughter and she has now record of this payment and does not have an account with the bank involved with this theft.
Product: Checking or savings account

I was to have my direct deposit from payroll of {$2900.00} on Wednesday ( normally ) but Thursday XX/XX/year> at the latest. It is Friday at XXXX XXXX  and still no deposit no information. Hung up on 5 times by customer service reps. Unable to pay XXXX XXXX  which causes fees. Unable to pay bills on time which causes fees. Unable to purchase pre planned investments which causes loss in revenue. Absolutely minimal communication with 1 single email. That did not explain the entire issue. Going into a holiday weekend and no information as to when it will be fixed.
Product: Credit reporting or other personal consumer reports

I REQUESTED INFORMATION FROM EACH COMPANY ASKING THEM TO PROVIDE PROOF THAT THESE ACCOUNTS BELONG TO ME. THEY DID NOT PROVIDE PROOF AND THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED AND NOT PROVIDING PROOF THESE ACCOUNTS BELONG TO ME. 

XXXX'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEENSTOLEN AND USED FOR FRAUDULENT PURPOSES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX Capital one Bank is a good Bank but I have not Authorized them to pull my credit. I have sent XXXX, XXXX, and XXXX XXXX different disputes notifying them of Impermissible.Purpose. 

Yet, have the inquires.been removed nor have i been given an details or explanation. 

I've never had a Capital One account nor have I applied for XXXX.
Product: Credit reporting or other personal consumer reports

I have a collection on all three credit bureaus. It has been settled and paid. I was told by the company it would be reported and updated. It was not. I contacted XXXX and was told I had to pay for them to look at my credit report and that basically they were not going to remove or update the information to be be correct. I was told it didnt matter because it would still show as a negative report on my credit reports even if it was a zero balance. I also asked them why I still had a late payment from a previous bank from the year 2013 still showing as potentially negative on my report, although the account has been satisfied and closed. I was told there are different reasons it would still be there but wasnt given any of those reasons. I have disputed these issues and others and they are always denied. The credit bureaus have incorrect addresses and names on my report and refuse to remove them. I also have documentation from the financial institution stating the account is paid satisfied and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been charged {$5.00} to unfreeze my account. Trans Union is not suppose to charge as I live in New Jersey. In NJ senior citizen and people who are identity theft victim are not suppose to pay. Trans Union website also says the same. 
The following are the description and transaction information : 1. Thursday XX/XX/XXXX, I requested unfreeze on my account so that XXXX can have my credit report before offering service at my home. My XXXX card has been charged {$5.00} 2. Friday XX/XX/XXXX, I requested unfreeze on my account so that XXXX XXXX XXXX can have my credit report before extending loan to buy the car. My XXXX card has been charged {$5.00}
Product: Credit reporting or other personal consumer reports

Opened On : XXXXPayment : $ XXXX Reported On XXXX XXXX Due : {$15000.00} Account Condition : ClosedMost Recent Payment : XXXX Responsibility : Individual Payment Type : Installment Months History : XXXX Subject : Formal Complaint Against an existing Credit Bureau Practices Dear CFPB , I am writing to formally address the refusal of the credit bureaus to provide a fresh copy of my contract agreement, including my signature, indicating my consent to pay the alleged debt called ( XXXX XXXX XXXX  - Account no. XXXX or Account Number : XXXX ). Despite multiple requests for validation, they have failed to produce this documentation. Instead, they have escalated the situation by sending threatening and coercive letters to my family residence, which is unacceptable. 

I kindly request that the CFPB intervene to ensure that the credit bureaus comply with my rights under the Fair Debt Collection Practices Act and cease any further harassment until the matter is properly resolved with the appropriate documentation. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Product: Debt collection

I was paying out a credit card with a balance of {$580.00}. It suddenly had an increase of & gt ; {$200.00}. I told them it was incorrect, but they refused to listen. This is a Best Buy credit card issued by Citibank , N.A . They are now calling my work about 10 times a day. The front office worker is getting very upset. Everyone has told them to stop calling, but they wo n't. This is serious harrassment.
Product: Credit reporting

From XX/XX/XXXX-XX/XX/XXXX ; Equifax has been harassing me and showing careless lack of concerns.Now I am at the point that I need your help to report this to the senator of my state. I asked Equifax for they ( Vice President ) Name/Numeber/Address and Email. They refused, also used in subordination towards me. I have filed several complaints before this point with them. No response has been giving ; leaving me to believe that they did n't report nor submit all my complaints:XXXX-of them! I spent my money mailing, faxing and sharing my personal information. By law they was suppose to remove a 7 year inquiry. Keep in mind I feel I have a lawsuit on my hands being the victim, because I was incarserated and I did not authorize nor request any fradulent activities that are on my account. Please take charge to handle procedures and civil constitution rights of a victim of unessary identity theft. I have names/dates/times that I was harass by Equifax. 

Note : My XXXX experience with Equifax has been prolong and critize and ridicule as a victim to be a mockery, maybe it 's Equifax who submitted and wide openly shared my personal information to have my file corrupted! 
Euifax is full of XXXX.
Product: Credit card

This is about the lack of response from Discover card about my complaint number XXXX. On XXXX/XXXX/16, XXXX XXXX XXXX of the executive department of Discover card left a message on my answering machine at XXXX He asked me to call him at XXXX as soon as possible, and gave me his office hours. I called at XXXX XXXX, and discovered XXXX XXXX was unavailable, and that the Voicemail that he shares with XXXX XXXX was full. I called XXXX more times Wednesday before XX/XX/XXXX., and XXXX this morning. I can not contact him. All I want is the promised free XXXX score.
Product: Credit reporting or other personal consumer reports

I try to unfreeze my credit report of Equifax. However, I can not login their website, and also calling their customer service and hold up for several hours without able to talk with anyone Every time the online login can not be complete. Request to call customer service. 
Get hold on customer service for several hours and not able to talk with them
Product: Debt collection

American First Finance I is being reported to my XXXX  credit file when I have already filed an identity theft and it was removed and then in XX/XX/year> it appeared back on my report. When the account was opened I was XXXX  and did not have any knowledge of this account at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late XX/XX/XXXX " Corelogic/XXXX '' received my request for a security freeze on my consumer file and a release of my report to be mailed to me. 
They complied with half of that request, I have yet to receive my full consumer report. All I want is to have my report sent to me.