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

Its been several months of trying to resolve this issue with XXXX. In XXXX, I legally changed my name. All of my credit and student loan accounts have been sending reports to XXXX, XXXX, and Equifax with my new/correct name since XXXX, and they sent me written confirmation that they sent additional reports to these bureaus to ensure they would have the correct information. XXXX changed my name and continued reporting my accounts as normal. XXXX, however, refuses to update anything outside of my name and address, and they keep telling me that they cant do anything about it, so my credit report is missing several accounts and my score is incorrect. I sent over both digital and physical certified copies of my ID and legal court order. Ive started multiple disputes with XXXX and spoken to several representatives in the Member Services Department, Dispute Department, and Special Services Department. I spoke to XXXX in the XXXX Department on XX/XX/22 at XXXX who informed me that they still had majority of my credit report under my previous name and so my information is inaccurate. He transferred me to the Special Services Department where I spoke to XXXX on XX/XX/22 at XXXX XXXX. He was very rude, said that I didnt know what I was talking about, yelled at me over the phone, and then hung up on me when I asked for an escalation and a supervisor. Legally, XXXX has to update my information when there is evidence that it is incorrect. I then contacted Equifax, who also refused to update my credit report with correct balances and account information. I started several disputes with them and spoke to multiple representatives who all refused to rectify the missing information. This issue affects my identity verification, significantly delayed my application for housing which put my safety and security at risk, and I cant apply for any loans because my credit reports arent matching with all the bureaus. I will have to take legal action if this is not resolved because this is affecting my livelihood.
Product: Credit reporting or other personal consumer reports

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 Number: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 an 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.

I have requested for removal of this account because it is not mine. But they will not provide original contract or any information. This is fraud and Please remove this from my credit report immediately. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My truck was broken into seven years ago, and my computer bag, laptop, passport, and other documents were inside. Shortly after that, I became plagued with identity theft fraud. Someone opened up a business account and or loan with Fifth Third under my name. I have submitted documentation to the bank regarding the fraud, and to date, it has not been rectified. I am requesting for the account to be deleted from credit bureau reports and for collection activity to cease and desist.
Product: Mortgage

I had home loan mortgage with Washington mutual bank from XXXX to XXXX, for year XXXX and XX/XX/XXXXmy real estate taxes paid on somebody else home instead of my home. My loan id # XXXX. I need payment history for year XX/XX/XXXXand XXXX.
Product: Debt collection

I received notification from all my credit bureaus that collection agency Reliant Capital Solution added an account to all my credit reports. This collection agency never contacted me in any form or fashion so that I could dispute and prevent this account from being added to my credit files. This account with XXXX XXXX XXXX XXXX XXXX XXXX was removed years ago because this was not a validated debt that I owed. Therefore, it would have not been applied to my credit files because it is not my debit. I would appreciate this collection agency is contacted and advised to remove from my credit files that they are currently reporting to as of XX/XX/XXXX it was added. It was opened XX/XX/XXXX for the amount of XXXX and they had plenty of time to contact me regarding this account. This company violated by rights and this debt needs to be removed as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX  allowed for fraudulent transactions for card I did not receive. 
They have credited the account, but are illegally reporting late payment for items that were not mine. I have never been late on this card. 
Correct this in a timely manner or I will bring action for damages for false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX  XXXX {$680.00} XXXX  XXXX  XXXX {$420.00} XXXX/XXXX  XXXX {$800.00} XXXX XXXX  XXXX {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 alleged fraud or extortion. 
XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I REFINANCED MY HOME WITH XXXX XXXX XXXX  IN ILLINOIS. 
THE OWNER IS AN ATTORNEY BY THE NAME OF XXXX XXXX. 
HE KEPT MY ESCROW MONEY IN THE AMOUNT OF {$160000.00} AND NEVER RETURNED IT. 
THE COMPANY GOT SHUT DOWN FOR FRAUD. XXXX XXXX, WHO WAS THE UNDERWRITER, WAS NOT RESPONSIBLE TO ME BECAUSE XXXX XXXX WAS COMMITTING FRAUD. THE ESCROW ACCOUNT HAD MILLIONS OF DOLLARS IN IT WHEN IT WAS SHUT DOWN. XXXX STILL PRACTICES LAW TODAY AND LET HIS WIFE GO TO JAIL. 

HERE IS DOCUMENTS FROM MY LAWYER XXXX LIED AT TRIAL IN MY CASE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX I sent multiple dispute letters to Transunion, XXXX and XXXX trying to resolve the inaccurate information on my consumer report. This has caused alot of hardship in me trying to buy new home also stopping me from getting approve for new credit cards.
Product: Debt collection

I'm purple XXXX XXXX Veteran and on daily anxiety medication so when I bought my home people constantly came offering products. One man came and I signed for home security because I needed to have protection and the same man came talking about panels I didn't understand completely I signed again it was mistake. The company came out and put solar rods on my roof and left panels against my home for weeks and I told them I'm not accepting this service it was wrong and the way they did my new home was unacceptable. They think they can force me to have solar panels and refuse to take me to court because they know I'm XXXX and on fixed government income so they're trying to do debt collection which I can't be garnished anyway. They refuse to remove the rods off my roof and they have been there over a year on my new home and the damage is more then what they think I will pay to have them removed so it's been a stressful problem and the XXXX has been on me about this so XXXX XXXX will not receive any payment because I was scammed into signing something because the man knew how I lived and took advantage of my XXXX to get me to sign something besides security.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lodged disputes with XXXX XXXX, XXXX, Barclays and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX Transunion for XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Transunion regarding their handling of my " Request for Reinvestigation and Detailed Description of Verification Methods. '' On XX/XX/year>, I submitted a comprehensive request to Transunion to reinvestigate inaccuracies on my credit report and to provide a detailed description of the verification methods used. However, XXXX rejected my request, stating that proper identification was not provided. 
I strongly believe that this rejection is unwarranted and constitutes a procedural failure on the part of XXXX. Enclosed with my original request were the following documents : XXXX. A signed and dated dispute letter outlining the inaccuracies on my credit report. 
XXXX. Copies of my credit reports from TransUnion, XXXX, and XXXX highlighting the disputed items. 
XXXX. A copy of my government-issued identification ( driver 's license ). 
XXXX. A copy of my Social Security card. 
XXXX. A recent utility bill verifying my current address. 
XXXX. Any additional supporting documents substantiating my claims. 
I have thoroughly reviewed Transunions guidelines for submitting disputes and ensured that all required documentation was included. The claim that proper identification was not provided is incorrect and has resulted in an unnecessary delay in resolving my credit report inaccuracies. 
Violations of Law I believe that Transunion 's rejection of my request and the subsequent delay violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : XXXX. 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) : This section requires that credit reporting agencies conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. 
XXXX. 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ) : This section mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. 
XXXX. 15 U.S.C. 1681s-2 ( a ) ( XXXX ) : This section states that 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: Checking or savings account

On XXXX XXXX 2017 three fraudulent withdrawals were made from my account. A total of {$7000.00} was withdrawn from my checking account. I immediately contacted Bank of America to inform them that the transactions were fraudulent and submit a fraud claim. My claim has been denied despite the fact I have supplied evidence proving that the could not have been made by me and are therefore fraudulent. I am happy to supply this evidence to you if it would be helpful. My understanding of Reg E is that my liability as the victim of fraud is capped at {$50.00}. Bank of America continue to refund my money despite my repeated efforts to resolve the matter.
Product: Credit card or prepaid card

I sent a message to XXXX XXXX because after paying on my promotional balance for Years I noticed that the minimum payment would not pay the balance off before the expiration of the promotion. When I signed up for the card and made the purchase, it was explained to me very clearly in advertising on television, the paperwork in the store, and by the store employees that the minimum payment on the promotional purchase was spread out from the date of purchase to the time the promotion expired. I asked the Synchrony about this two days ago when I noticed the problem. They responded with the same information-they said that the minimum payment on a promotional purchase is calculated by taking the amount of the purchase and spreading it out evenly over the duration of the promotion. When I told them that if that was the case then my account had a problem they responded by saying simply that if I didnt pay it off, then the payments made the last two months of the promotion would go directly to interest first. First off, like I said the payments are supposed to be spread out evenly and they are not PLUS Ive been overpaying so I dont understand their miscalculation. They REFUSED to research my over payments and reconcile the account when I requested it. Number two, - it legal for them to charge all of the interest two months before the actual expiration date of the promotion?
Product: Debt collection

Hello I received a text message from CENTRAL PORTFOLIO CONTROL INC stating that they have a matter in their office. I logged onto the website as stated and it lists a XXXX  account that is past due and in collections that I have no recollection of. Also, my address is incorrect as listed. I emailed the company at XXXX and asked that they provide proof of the debt and proof of my acknowledgment to them having this debt and their right to collect. I received an email back from XXXX XXXX saying that I needed to call the office to better handle this matter. I emailed him back and said I was weary of scams and that I would not be calling the office. He could please just provide me with the information I requested to the address on file they have. He that wrote back and stated " XXXX XXXX, I understand your concern with scams going on, unfortunately in my industry I am required to complete a verification process before I can disclose any information or provide anything in writing to you. That is why I asked you to call me. 



If you want to provide your current mailing address, and either the last 4 of your social or Date of Birth than I can proceed. '' I informed him again that I would not be providing that information as they should already have it on file and I was within my rights to request a debt validation letter be sent to the address they have. If the debt is indeed valid then they should have all of that information and it can be sent to me within the 5 days as required by law.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Capital One Bank for causing me a financial loss of {$6000.00} because of their mis-operation. 
I have had a banking account with Capital One for a long time. I wrote a check ( check XXXX ) for XXXX {$6000.00}. The Capital One disbursed {$6000.00} from my banking account but there is no endorsement on the check. The intended payee sent me a bill for payment. I have reported this to Capital One Bank. The case number in Capital One is # XXXX. Initially, they assured me not to worry because they would either prove the payee got the money or credit the money back to my account if they could not prove the payee got the money ( in case the wrong payee got the money ). 
However, it has been more than half a year. I have been very patient and tried very hard to solve the problem with Capital One bank without any success.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681i - Procedure in case of disputed accuracy, are as follows : Derogatory remarks, total accounts, number of closed accounts, delinquent accounts, account balances, credit card totals, employment section. 

EQUIFAX is inaccurately reporting information on my credit report. 
I am submitting additional documentation, to add/link to my current, active CFPB complaint against Equifax. 

CFPB ID COMPLAINT # ( See below next box. ) PERMINATELY DELETE this inaccurately reported account and any incorrect address from my Equifax credit report immediately. 

Delete account : ( see information below. )
Product: Debt collection

this company, XXXX XXXX, and their billing partner, XXXX XXXX XXXX, continually calls me to collect a gym debt for a closed account. I had to even go so far as to have my credit card block their attempts at charging me membership fees after I cancelled. They continue to call me at my place of business and it's pure harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from XXXX XXXX  that I had a hard inquiry from my credit report from 2 companies on XX/XX/XXXX. The companies were XXXX. I have not applied for any credit on this date so I called the company to inquire. I called the company on XX/XX/XXXX. XXXX which is Chase at XXXX they would not disclose anything if I was not already a Chase consumer. I would like to report these for potential identify theft concerns. My last name is XXXX and has been since XXXX the name on the denial letter is XXXX my former married name. The company indicates they were not able to reach me to speak about the issue that is not true. I received a call from Chase the telephone number was XXXX at XXXX on XX/XX/XXXX letting me know they were contacted by CFPB and that they would be investigating this claim and sending me a letter with the results of the investigation. Yesterday XX/XX/XXXX I received a denial for credit letter in the mail from Chase so someone did apply for credit using my information. I am concerned because a former last name was used and this was not caught by the person running my credit report. I did not apply for this credit card nor authorize my credit to be run. I am now attaching the denial letter from Chase ATTACHMENTS XXXX XXXX ( XXXX KB )
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX credit builder account on XX/XX/2019 to help build my credit and I was denied. XXXX XXXX gave the name, number and address of XXXX XXXX upon my denial. I went to the Official Site of XXXX XXXX website and ordered my credit report. I received a conformation number and my my disclosure report would be mailed to me in 5 days. I have not received a report. Once I realized the report was taking quite long. I sent XXXX XXXX a certified letter alerting them that I requested my report on XX/XX/2019 as of at the time XX/XX/2019. My letter was received on XX/XX/2019 and I still have not received my report. In my letter they were also aware that I would contact the C.P.F.B and my letter was still ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I viewed my credit report with Equifax and found many inaccuracies. On or about XXXX/XXXX/202 I disputed all the inaccurate information. As of today ( XX/XX/2022 ) I have not received a response or any information with regards to my disputes. On XX/XX/2022 I tried to look at my credit report and I was unable to for whatever reasons. I called Equifax and told them XX/XX/2022 on requested a copy of my credit report because of this. I was told that they were sending me a copy of my credit report yet I have not received it. I called again today and was told that they sent it to me however I never received it in my locked mailbox. Im still unable to see what they are reporting about me and if they have corrected the inaccurate information. It is unfair to have information reporting about me that I have no knowledge of or can not be made aware of.