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

I disputed my Equifax report on XX/XX/XXXX and the results of the investigation I received on XX/XX/XXXX. XXXX XXXX XXXX  XXXX account # XXXX is a old account opened in XXXX this needs to be removed from my credit report entirely that is more than 17 years old. I  want it removed asap. 

The XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX Tx XXXX. I paid this note off in full on the XX/XX/XXXX. I told Equifax this and it is still showing on my credit report that I owe  {$13000.00}. I want this updated immediately. 

XXXX XXXX XXXX account was opened in XXXX more than 10 years ago this account is paid in full years ago. I want it removed from my credit report immediately. Instead Equifax put a temporary freeze on file. 

XXXX XXXX XXXX XXXX account number XXXX account opened in XXXX account is more than 10 years old. I want it removed from my credit report immediately. 

XXXX XXXX XXXX account number XXXX account was paid in full and is more than 8 years old. I asked Equafax to remove this account but instead they put a temporary update freeze on file. 



I have proof of payoffs and all account information along with Equafax credit report dated XX/XX/XXXX.
Product: Debt collection

Portfolio Recovery mailed a collection demand to the XXXX XXXX sheriffs department at XXXX XXXX XXXX XXXX wisconsin which divulged information regarding my debt to the sheriffs department. Portfolio Recovery also discussed my debt also with a third party agency without my authorization, all of this information is in their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been a victim of fraud / the Equifax breach, etc ... I recently disputed these items but as of today the problem still exists. I'm holding the credit reporting agencies accountable because they are the ones reporting frivolous information without providing or being provided with physical verification as promised by the FCRA. If not corrected this time I will be forced to start a law suit against all 3 agencies. Hopefully this could be resolved from here. The following accounts being disputed are ... ( # 1 ) XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX ), ( # 2 ) XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX )
Product: Credit reporting

Equifax has changed my report but does n't allow me to review it. I 've been blocked from seeing the latest updates. The red circle highlights the areas that do not give me a option to insure my report is correct. The earliest XXXX conformations were accessible until I forwarded them to the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In acordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXXXXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX ( XXXX 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 XXXXXXXX ) ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) ( XXXX  ) ( XXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) has violated my rights. 

15 U.S.C 1679 a, states i have the right to dispute inaccurate information in my credit report. 
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, also states, a consumer reporting agency can not furnish my account without my written instructions. 

I DISPUTED THESE ACCOUNTS WITH ALL 3 BUREAUS AND INFORMED THEM THESE ACCOUNT WHERE REPORTING INNACURATE INFORMATION AND THAT THE ABOVE ACCOUNTS WERE VIOLATING MY RIGHTS, AND SOME MAY HAVE BEEN THE RESULTS OF IDENTITY THEFT. HOWEVER, I WAS UNABLE TO GET ANY SATISFYING RESULTS.
Product: Credit reporting or other personal consumer reports

Bank Of America is reporting old outdated information that it's more than seven years old on my XXXX credit report. When I was in a forbearance pre-modification in XXXX, pre-covid. | was making my torbearance payments to Bank Of America and Bank of America and XXXX continues to report derogatory information on my credit report. 
That is more than seven years old also.
Product: Debt collection

WE rented at XXXX property apartment in XXXX XXXX. We paid all our rents for the time live in the property. They illegally kick us out without pro notice at the mid of winter. They just sent us a bill that we should pay, {$3400.00}. That we most pay it or they will give it to debt collectors.The debt collectors are now writing to us to pay. we dont know how this amount or debt came about.We hear this is what they have being doing to all XXXX who have being renting that said apartments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a free annual credit report. I noticed there was an account on my report from a company called kikoff sports wear credit. I have called this creditor several times to let them know this is fraud and needs to be removed. They have told me several times they will investigate but as of today they are reporting it on my credit report as late payment charge off. This is hurting my credit. This company will not work with me and remove this fraud account off my credit. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer, am filing this complaint against JPMCB Card Services and there is no third party involved. I have sent out a letter as well to JPMCB Card Services mailed certified XX/XX/XXXX. JPMCB Card Services is in violation in regards to the information that is being furnished on my consumer report. I, the consumer, never gave JPMCB Card Services any written consent nor authority to report to my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiries from JPMCB Card Services are fraudulent. I did not initiate, authorize, benefit from, nor consent to the listed inquiries and I DEMAND they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft. 1. JPMCB Card Services : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These fraudulent items on my consumer report are preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If JPMCB Card Services can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I DEMAND these fraudulent, unauthorized inquiries be removed from my consumer report within FOUR ( 4 ) DAYS! If my demands are not met, I WILL HOLD JPMCB Card Services CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( 3 ). Attached is an FTC IDENTITY THEFT REPORT AND THE ORIGINAL CORRESPONDENCE SENT TO JPMCB Card Services.
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 inquiry need to be removed : XXXX XXXX XXXX - Date : XX/XX/2023
Product: Credit card or prepaid card

I canceled my flight on XXXX XXXX XXXX # XXXX due to covid.Canceled on XXXX website and received flight credits in the amount of {$720.00} for me and {$720.00} for my wife.Now I tried to book another flight to XXXX In XXXX on XXXX XXXX but it would not let me. First I need to change from Basic economy to regular economy to use flight credits ( extra charge )! Next I have to call in to XXXX to book flight.So I did and spoke to a XXXX XXXX and told him the date, time, flight numbers that I wanted.He finds the exact flights, dates and times to XXXX -but he tells me its more than what's on XXXX XXXX! He spoke to his manager but they won't match prices on their own website! I disputed it with Citi XXXX but lost dispute. Because they did not received additional paper docs from me but I sent the same docs the first time around.Flight credit is so unfair! If it was cash I could have booked a cheaper flight. 
I think this is price gouging! From XXXX XXXX and XXXX and Citi XXXX for not crediting the difference like I request.
Product: Checking or savings account

Bank of America closed my business account because on of the customer sent me fraudulent check which I didnt know. I called the bank and explained the situation what happened that i really did business with that company and I showed them check picture and contract papers. They told me that we dont care we dont want any relationship with you. I asked why? Somebody lied to me how did i know if it was fake check l. Why are you punishing me i am already a victim. They put hold on XXXX dollar which was on my account. I asked them to release the funds because i am doing business and my drivers need money to pay for gas, they refused it. After couple of weeks they sent me the check of XXXX dollar bit still holding on 2000 dollar and they are not telling me when they will give me back
Product: Mortgage

I fell behind on my mortgage payments due to illness, I started working with a housing counselor in XXXX 2015. She submitted a a completed workable solution packet to them. Maybe a month or two later, I received a call from my lender requesting I send in more papers. I did that. We have been to court here in XXXX. 
eight times and only to be told they need more papers. I have done what they asked me over and over again. The housing couselor also sent them what papers they asked for. I only want to start making payments to save my home.
Product: Money transfer, virtual currency, or money service

I had made a XXXX transfer to my mother, but it took her days for her to receive it. The money that was transferred to her was an emergency and due to her not getting it caused us so much trouble!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes ( XX/XX/year> ) regarding inaccuracies within my credit report. Despite my submissions, Equifax consistently responds within 10 days stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act, XXXX XXXX XXXX, which mandates a reasonable investigation of disputes. Futhermore, Equifax 's actions may also contravene the Consumer Financial Protection Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts I have reported as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTED TWO XXXX CREDIT CARD DUE TO THE ACCOUNT NUMBER THAT IS NOT MINE I SENT IN FACTUAL PROOF THAT IS NOT MY ACCOUNT NUMBERS BUT TRANSUNION STILL SAYS ITS WAS VERIFIED SO I'm going to OPEN UP A PHYSICAL INVESTIGATION WITHIN 15 DAYS OR PLEASE SEND ME According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you  have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of identity theft. The accounts listed on my file are fictitious and fraudulent. I did not authorize or give consent to opening these accounts. There are a result of identity theft. My personal information email, Social Security number, home address has all been compromised. Please release me of these fictitious accounts. I demand an investigation into these accounts immediately and the removal of any reporting thank you. XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, Fig Tech Inc .
Product: Credit card

On XX/XX/XXXX I requested a credit report from XXXX for the first time in my life. On that credit report, I discovered that a credit card was opened up under my name in XXXX in Delaware at XXXX XXXX This credit card now has over {$10000.00} worth of debt under my name which has been accrued over the past decade. I had no knowledge of this. I reached out to my sisters and they discovered that they also have fraudulent credit cards accounts open under their name in various years amounting to upwards of {$45000.00} each. There is obviously a larger fraud problem here not just related to the credit card, but the credit card needs to be shut down and I would greatly appreciate the debt be wiped from my record since the person who accrued the debt was not me. 
I reported the fraud to XXXX on XX/XX/XXXX. I can give you the report number up upon request. I am worried that this person has my Social Security number, as well as that of my sisters, and that this is a part of a much larger scheme to defraud us.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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 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
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 I received a job offer from XXXX after a background check was submitted the company first advantage. Ran my background check and came back with stuff on my report more than XXXX XXXX XXXX. Of course I didnt put this on my application because I thought at most XXXX  years would be as far as they go back. These are XXXX  XXXX  that happen when I was XXXX I will be XXXX next month. I feel like my rights are being violated due to them reporting this, XXXX has now revoked my offer for employment, I find this to be really unfair. At this point theyve made it to where I might as well be a XXXX.
Product: Debt collection

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit card or prepaid card

I booked a rental property via XXXX  ( XXXX ). Upon reading the reviews that came in a few days after I booked the rental I became aware that the property was unsafe and that there were roosters directly across the street from this property. I called and texted the owner regarding the reviews. He confirmed that the reviews were true. I asked him about the broken locks on the windows and he said " he never had a problem with break-ins before ''. He did not offer to fix the locks. I requested a full refund ( XXXX ) from him via the XXXX website. He only refunded my pet deposit ( {$25.00} ). I then booked another property. I disputed the charge with my credit card company ( Capital One ) for the amount of ( {$240.00} ). The credit card company denied my dispute because they " found that we already responded '' by refunding the initial pet deposit ( {$25.00} ) ( not the full amount ). XXXX disputed the refund because of their policy Which said that I had to cancel 2 weeks before my booking. Unfortunately, I booked the reservation after the 2-week cancellation policy. The XXXX terms and conditions state that the property owners are not to provide false or misleading information. It is misleading to allow people to rent your property knowing that there are broken locks on windows and roosters crowing. It should be a XXXX responsibility to ensure the safety and comfort of these properties before enforcing arbitrary policies. I do not think it is fair that I paid for a property I did not use, especially considering that the property was unsafe.
Product: Checking or savings account

I am a capital one customer. I opened my account online and wasnt aware that I cant use any other bank to deposit cash in my capital one Account. I searched my app and it didnt said anything about deposit or withdraw instead gave me nearby atms I could use. I assumed that I could use it to deposit too. I used associated bank atm to deposit cash. The atm rejected my transaction and started dispensing my money in few bills at a time. I wasnt able to pick all the bills and atm took it back. Since I dont bank with associated bank I could file a complaint with them. I called my bank capital one several times since last year XXXX when it happened that how can they help me but they refused to help me in anyway. Finally associated bank reached me and told me capital one needs to request credit adjustment on my behalf to associated bank so they can reimburse my money. Capital one over and over again refused to help me and didnt provide me any solution except they dont do this procedure. Most of the customer representatives including the manager have been extremely rude to me and refused to help me for anything as its not their ATM and its not their problem. Associated bank wanted to give me my money back but my own bank is not helping me in anyway to get my money back. I request capital one to please send associated bank an adjustment request on my behalf so I can get my money back please but looks like they dont care about their clients
Product: Mortgage

My mortgage company was Rushmore Loan Management Services. During the pandemic we applied for the forbearance assistance plan. We only used the plan for the month of XX/XX/XXXX. We continue to paid our mortgage on a monthly basis after that. I have proof that payment were made. In XXXX they sold out mortgage to another company The XXXX XXXX and now they state that we owe them about {$8000.00}. I have reach out to Rushmore and XXXX XXXX XXXX  and none of them want to help me get this straight and get my account current. I made a payment in XX/XX/XXXX {$4900.00} to XXXX XXXX XXXX. I need assistance to get this square. I am not afraid of losing my house because I have paid every single month. Please if some one can help me. This is a very sneaky way of doing business.
Product: Mortgage

Mr.cooper will not drop my PMI payment after reaching over 78 % LTV
Product: Credit card or prepaid card

My account was requested to be closed by me and was officially closed and purged on XX/XX/XXXX. I received a refund to a purchase of {$1800.00} that was made before the account was closed and purged. The credit of {$1800.00} was issued by the vendor on XX/XX/XXXX. I have not received {$1800.00} back from the credit card company as of XX/XX/XXXX.
Product: Checking or savings account

I have been a loyal customer of Bank of America since XXXX. However, Bank of America kept bringing me troubles since XX/XX/XXXX. On XX/XX/XXXX, I received an email saying that Bank of America closed my checking account and cancelled my XXXX. This bank account is my primary account and it's very important to me. To solve this problem, I made a phone call to Bank of America customer service, trying to communicate with them. However, they said it is a business decision and Bank of America has the right to close my account without any reason. Even though they sent a check to return my balance in my debit card, they had already brought much inconvenience to me because I relied heavily on this debit card to pay my bills including my Bank of America credit card. 

In the beginning of XXXX, I received a letter from Bank of America. The letter said that they decided to close my checking account due to security reasons and they may inform other banks not to open checking accounts for me. The letter made me heartbroken. I have never get involved in any illegal activities so I don't know what is the " security reason ''. I still did not give up solving this problem, and I communicated with Bank of America customer service again on XX/XX/XXXX. The customer service told me that I was not involved in any illegal activities and they would not inform other banks not to open checking accounts for me, but they could not reactivate my debit card. I felt I was discriminated by Bank of America. 

Then I had to open a new checking account in another bank, but it took some time so I could not repay my Bank of America credit card on time. In XXXX and XXXX, I took some friends to travel in XXXX and I spent a lot. Without a debit card, it was hard for me to repay my balance, so I keep suffering from the high interest charge from Bank of America credit card. For the problem of the credit card, I have already reported in another case. 

It was Bank of America 's fault to ridiculuously closed my checking account without any reasonable explanation and made it difficult for me to repay my credit card on time. Furthermore, Bank of America has created a lot of trouble to my life because they closed my account. I feel that I am discriminated by Bank of America and my rights as a customer are severely hurt. I hope CFPB can take actions to protect my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown inquiries on my credit file that I did not approve to run my credit nor do I have an active/open credit account with from these companies. I am ver concerned regarding the serious possibility that the credit reporting agencies have not followed the permissible purpose provisions of the Federal FCRA. The inquiries in question are listed below alongside the date they were reported : 1. XXXX - XX/XX/XXXX 2. XXXX XXXX XXXX XXXX. - XX/XX/XXXX 3. XXXX XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX. - XX/XX/XXXX 5. XXXX XXXX. - XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX  XX/XX/XXXX 9. XXXX XXXX - XXXX XXXX 10. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX