23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On or around XX/XX/20 I was the victim of identity theft and Citibank wire fraud. Online access to my checking and savings account was frozen however the bank did not make every effort to notify me either my email, text or phone numbers associated with my account. Aside from a large amount of money withdrawn via wire transfer, there were also multiple ATM withdrawals and debit purchases by the perpetrator. 
I made numerous calls to Citibank supervisors and went into my local branch over the ensuing weeks ( most recently on XX/XX/20 ) to try to resolve this issue and its now nearly 2 months later and the issue has still not been rectified. My account is still frozen, I reach out to supervisors and do not get responses or follow up.
Product: Mortgage

My monthly payment has increased from {$1200.00} to {$1600.00} due to an increase in my real estate taxes. The increase to {$1600.00} is spreading the escrow shortage of {$3800.00} over 12 months. I have requested to extended the spread from 12 months to 24 months as the {$400.00} per month increase will create a finciancial burden on my household. The local property taxes in my community have increased 200 % within the last 12 months. The lender did provide me a 24 month repayment when the first property tax increase incurred of 100 %. Due to the fact that the lender did allow the repayment spread based on the last escrow analysis, they are now refusing to provide a 24 month repayment with an additional 100 % increase. My annual taxes went from {$900.00} per year to {$3800.00} per year within a 12 month time frame. I would like to get the new escrow analysis shortage spread out over 12 months to avoid possible missed payments. The lender stated they would not allow any changes in the increase unless I did become late on my mortgage payments. I am attempting to avoid possible late payments with this request.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and inaccurate. I sent a letter to XXXX on XX/XX/2023, and asked them to investigate the completeness and accuracy. I received the results and noticed they fixed nothing. They are breaking Federal law.

15 USC 1681e ( b ) states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 


15 USC 1681 ( 5 ) states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( * ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors or deleted from the file of the consumer. 


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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( 1 ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( li ) the information is, in fact, inaccurate. This is unfair and if they are doing this to me imagine who else they are doing this to. Can you fix
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the Experian 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. The Experian 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 that was included in the FTC report attached on this complaint.
Product: Credit reporting or other personal consumer reports

They didnt delete my accounts In accordance with the fair credit reporting act. The list of accounts below violated my federaly protected consumer rights to privacy and confidentiality under 15 use 1681 XXXX, Transunion, XXXX. 
15 u.s.c1681 section 602A states I have the right to privacy.

15 u.s.c 1681 Section 604 A, section 2 states a consumer reporting agency can not furish an without. Y 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 and crimes which antidotes the report by 7 years. 

I want the accounts deleted
Product: Debt collection

I received a letter from this company demanding payment for a debt that I do not owe them. To my knowledge I have never entered into a legal binding contract with this company and they have never provided me with any good or services. I believe them to be nothing more than a debt buyer
Product: Debt collection

I receive repeated harassing letters from Credit Protection Association after I have explained to them each time that I never received the phone services I am being billed for. They have said they will go back to the originating phone company but they have not.
Product: Payday loan, title loan, or personal loan

My Hyundai XXXX financed by Hyundai Motor Finance was stolen ( due to the wave of Kia/Hyundai break-ins that have occurred in XXXX  ) on XXXX. I promptly let my insurance companyXXXX XXXX, and HMF know about the theft that day and started a claim. On XXXX I accepted a total loss settlement from XXXX  due to the car being recovered and found beyond repair. XXXX then reached out to HMF for a payoff amount for the vehicle and was told {$9600.00}. On XXXX XXXX sent HMF a check for {$9600.00} which they accepted and cashed. Since XXXX HMF has claimed that they need additional money from me with no explanation as to why. XXXX closed the claim after the check was sent and I thought the matter was handled. I now have a balance of {$11000.00} on my credit file that is 60 days past due from HMF for the balance of a totaled vehicle that has been taken care of by my insurance company. With how poorly run HMF is and how they settled for {$19.00} million in fines for false credit reporting back on XX/XX/ I find it really hard to believe anything they are telling me and refuse to be harassed anymore. I want them to close my file for the totaled vehicle ( Just like my insurance company XXXX did on XXXX XXXX and remove the balance from my Credit Report so I can move on in peace.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not do their due diligence to protect my credit information, and their systems were compromised for at least 2 months in summer of 2017. I am among a list of millions of Americans who are likely affected by this data breach. I am freezing my credit to prevent potential damage, but I ca n't know for some months if any damage was done before my actions.
Product: Debt collection

i checked my credit profile and i noticed there is an item on my account for the amount of XXXX from XXXX i been having some issues with my credit so i m assuming this is fraud and i strongly believe this is not my account. i would like for the above company to stop threatening me and harassing me using profanity i called because the number was listed on my account as of XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to CFPB, XXXX, wherein I addressed the issue of The Work Number failing to send a full-disclosure of my report after months of requests, and how The Work Number continually requests proof of identification and proof of address, even though that information is provided with each and every request. They not only fail to send a copy of my full-disclosure report, but now, when I complain to CFPB about it, they fail to response to the CFPB complaint with any meaningful response. Their response to the CFPB complaint does not address their failure to send the full-disclosure report, but rather is some irrelevant, ambiguous, vague, meaningless response to maybe someone's complaint, but not to mine. This jibbing is ongoing, unlawful. These companies hold an enormous amount of power over consumers ; These delays, lack of responses, stalls are unacceptable. The law demands their timely, relevant response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Equifax and XXXX XX/XX/2021, I recently review my report and noticed that for the public record bankruptcy listing does not show that this item has been marked as in dispute nor have I have any documentation stating that the bankruptcy has been processed I am requesting a full deletion per the FCRA as far as the 30 day time window to responses.
Product: Credit card or prepaid card

I wanted XXXX guards for my newly purchased home. I called XXXX  Filters ( whom I thought was using a loan company ) We agreed to 12.9 % XXXX. After signing the papers, I discover WELLS FARGO is the loan company. Then find out this a CREDIT CARD specifically for home improvement. I worked for other banks, but Wells Fargo is the bottom of the basket after the Credit Card scams uncovered. After getting settled in, and having issues with my plumbing... i looked at the paper statement and wondered why the balance was not going down. My payments {$110.00} per mo, but I pay, {$120.00} from the start to get it paid off faster. ( I planned to pay more as I got better situated ) I noticed I am being charged {$75.00} per month. I called XXXX XXXX, got a supervisor, after not being satisfied with the reason my interest is so high. XXXX, tried to explain, and kept putting me on hold ... XXXX min later and a snow job, she didn't eve know to explain she says look on last page and I will see how my XXXX is being process. Not XXXX but and XXXX as if i took CASH from a credit card. My first page list me paying at 12.9 %, but last page is XXXX XXXX XXXX in a XXXX day cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit reporting agencies a letter on XX/XX/22 and they were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me, but they failed to do so. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. I am including a list of my disputed items that do not report this requirement. I will attach the letter that was sent which is dated and time stamped along with the credit report showing that the credit bureaus failed to enter a notice of dispute. I can take this to court for legal action, but at this time I am only asking for the removal of the inaccurate late payments. Please remove the following late payments from these accounts immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have an American Express business credit card that has a fraud alert on there and back on XX/XX/XXXX I sent in documents stating who I was and also notarizing a paper that American Express provided to me. I also sent it in a copy of my driving license and a copy of my passport sent who I am and they said that it was gon na take 3 to 5 business days to fix it. Were now at a month And three days and I still can not get a supervisor to talk to me. I get all of these people talking and they said the quickest way is to go through notary cam. I tried that they cant get the questions that come up to ask me, so thats not an option so I went to the bank and today XX/XX/XXXX on the month and three days I got a call from American Express not saying that my card is unlocked. They are saying that they did not accept my documents saying that theyre going to go to that I need to go to a XXXX XXXX or a XXXX XXXX  or a bank, which I went to a bank, XXXX XXXX to be exact to get my paper notarized, and I sent it to them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 2 FTC report with inquiries I did not authorize and need them deleted asap as they are affecting my life
Product: Credit reporting or other personal consumer reports

I have found fraudulent hard inquiries on my credit report, the inquiries are XXXX XXXX XX/XX/XXXX | XXXX XXXX  XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX
Product: Debt collection

Even after making arrangement to pay what I could each month they keep calling and sending letters.
Product: Prepaid card

Purchase of a Vanilla Visa Gift Card made at a XXXX XXXX location on XX/XX/XXXX for the total amount of {$500.00} ( {$490.00} value and {$5.00} activation fee ). When opened, the card was missing digits on the front XXXX through XXXX as shown in the picture. The last 4 digits shown on the receipt for the gift card did not match the card 's digits ( XXXX vs. XXXX ). Suspected fraud and contacted customer service on XX/XX/XXXX and XXXX, only to be told that the replacement card was going to be issued and sent to me via mail within 5 business days. No mail received and called again on XX/XX/XXXX and was informed by an agent that because this was a tampered card case, now requires supporting documents as attached here plus my state ID. All requested documents sent via email on XX/XX/XXXX for case # XXXX and received confirmation email. However, I was informed by multiple agents on the phone that this will now take additional 30 days to resolve without any additional compensation. My funds of {$490.00} has been locked due to the nature of the case and plus activation fee of {$5.00} is essentially wasted for now ( no activated cards available ) due to a faulty product, none of which I am responsible for.
Product: Debt collection

Hello I have now been dealing with this going on 8 years when someone stole my idenity. And I have spoken with many representatives regarding this debt. As this account is now hitting its 8th year mark and still being reported on my credit report. This account is not mines as I been stating the whole time I have never lived at this address nor do I have any knowledge of this account. Im asking for immediate removal as this has caused me alot of financial hardships. Im requesting immediate removal or I will find a consumer law in the next 30 days regarding this matter. As I have not been able to get a place. Also on each bureau they are reporting different last 4 of socials, different open and closed dates im just frustrated with this as I will attach a copy when requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX These have numbers where it says account name on my report and I dont understand that ) XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted a complaint on XX/XX/2024 ( complaint ID # XXXX ) about XXXX XXXX XXXX Account # XXXX Amount : {$110.00} and have not received any updates on this issue. I reached out to the creditor again at XXXX and spoke with the fraud dept on XXXX at XXXX and was advised that the account has been listed as closed and the application has been deemed as fraud due to a credit repair agency possibly opening the account with my information. The fraud dept advised that I reach out once again to Experian, XXXX and XXXX to notify them that this account should be removed from my consumer report IMMEDIATELY.
Product: Debt collection

We have been receiving phone calls to my wife 's cell phone from Diversified Consultant Inc. We have attempted to block their number ; however, the following day they would call from a different number. Calls are received everyday around XXXX XXXX  and around XXXX XXXX. Here are some of the numbers they have used to call us : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX It appears to be a collection agency. We have no outstanding debt that would require debt collection. 
We have spoken to someone from the company named XXXX. He said they would remove our number from their list.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with a high credit of {$2600.00}, opened on XX/XX/XXXX being reported by Dept of Ed/XXXX  ( account number XXXX ) on XX/XX/XXXX. I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. Equifax and Dept of Ed/XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per Equifax. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per Equifax. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX I add a hard inquiry on my credit report per Equifax. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint involves all of the credit reporting companies, as I know at this time. One of my credit card companies sent a letter stating my credit score had been dropped to XXXX   based on reports from one or more of the credit reporting companies. I have tried to talk to someone with those firms in order to obtain information on which they furnished showing the basis of the score. The system they use for call in service does not allow one to speak with  a person to either give or obtain information. The most important complaint I have is that credit reporting firms do not attempt to talk to consumers in order to get the other side of a dispute. They primarily use information furnished by creditors on disputes. I was never contacted by anyone asking for my side of any problem. This is totally unfair in a country where, if one is  accused, the plaintiff must present proof of an accusation. Obviously, no attempt was made to develop the truth in at least this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion about inquiries on my report that were n't authorized by me. I also contacted Transunion about a glitch in their reporting that removed inquiries and they replaced them my report without giving me notice in the mail 5 days prior as they should.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion are all reporting incorrect information for XXXX XXXX ; Therefore in violation with FCRA guidelines. They have incorrect open dates all showing different, they have incorrect amounts and status. It so many discrepancies and have been in full violation of FCRA, because of this they must permanently delete this from my credit profile and do not continue to report from this debtor. I have attached screenshots showing proof of the erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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Product: Credit card or prepaid card

Bank of America will not allow me to make payments online it will only allow phone call payments. I have ask them several times to fix this so I can make payments on my time and not during their business hours.