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

Hi, my name is XXXX XXXX and I am complaining about the XXXXXXXX XXXX account under the # XXXX that is reporting on my credit report. I have filed a FTC complaint under the # XXXX as well as providing additional information about this account that it is not mine as I never opened this account and this is not my information. There has been no evidence provided to me that proves this account as mine or no response in over 30 days from either the creditor or credit bureau.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, my bank XXXX XXXX XXXX XXXX sent me an email saying " One of your accounts was updated. It looks like you received a major derogatory mark on one of your accounts. Head over to XXXX XXXX to find out how this could affect your credit score and get tips to help keep you on track. '' In fact, my credit score took a hit of XXXX points, from good to poor. 

According to the XXXX XXXX  page about the Experian credit report, the cause of this was : 1 closed account. Cell Phone. XXXX XXXX. XXXX ... {$220.00}. Payment not made in XXXX, 2024. Payment status : Seriously past due date/ assigned to collection agency .... This is all false. That numbe
r XXXX ... has nothing to do with my account number with XXXX. I have never missed a payment because I am on autopay with XXXX. I called XXXX, and spoke to the fraud department and they confirm that I have no outstanding balance with them. Therefore, this " derogatory comment '' did not come from them. It must have come from a hacker or a fraudster, a scammer. There is no point in contacting XXXX again ( although you can ). They have already said that they had nothing to do with this. The problem is with Experian or one of the credit rating companies that was hacked directly.

Why is my credit report and score being penalized for a message that did not evern come from XXXX? You can verify it yourselves.

P.S. I just moved from XXXX XXXX to XXXX XXXX XXXX  on XX/XX/XXXX. I don't know if that could have anything to do with this.
Product: Debt collection

They never provided all the documents I've requested, I've sent request by certified mail numerous times.. I did not receive nothing in the mail from them.. 

They only have one screenshot of a bill, they will respond with the same document and same one-liner every time.. One trick pony act without any solid proof..

Don't just tell me what little information you have on me, show me everything I've requested... 

I need to see everything that I've requested for proof, I believe they do not have such documents.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX, and Equifax has failed to provide the method of verification for the XXXX XXXX XXXX account reporting on my credit report. I have written XXXX numerous letters request and verification methods. However as of today no method or proof of verification has been given by XXXX nor XXXX XXXX  XXXX. As a result of this inaccurate reporting my credit score has dropped tremendously and it has caused me to be denied credit by several different companies. 
Furthermore I feel that experience is not providing their method of verification because they are using secondary credit reporting agencies that they own. The use of such is a complete conflict of interest and violation of all FCRA Laws. 
Please inaccurate reportings are causing harm stress and unnecessary financial burdens on me due to my current utilities, insurance, and other necessity bills are based on my credit worthiness and report. Especially insurance I'll pay all your premium because of my credit report.
Product: Credit reporting

I applied for a online loan a few years ago, and ever since then, I have been the victim of identity theft. I have had other pay day loans and checking accounts opened up in my name. Recently, I relocated to XXXX from XXXX and I wanted to see about the possibility of transferring my car loan to my local credit union. I was told that I had a bank fraud case on my account. I contacted XXXX to find out about this information, and was told that the account was not under my name and I would have to dispute this issue with the credit reporting agencies. I would appreciate any help in resolving this issue.
Product: Credit card

Last year, my card was used for unauthorized online purchases. Discover card keeps demanding " new '' information, which I have no idea what, and they refuse to identify it. They have forced me to file a police report and have the police officer contact them, which was out of my hands. One police department refused to issue a police report, and another one issued a report, but they still made me liable for unauthorized transactions, and keep requesting " new information '' to deny me again with false reasons. I signed an affidavit that I did not recognized those transactions, and that should be enough for discover card to cover them, as their policy is very clear about it : " {$0.00} Fraud Liability : An unauthorized purchase is a purchase where you have not given access to your card information to another person or a merchant for one-time or repeated charges. Please use reasonable care to protect your card and do not share it with employees, relatives, or friends. ''
Product: Credit reporting or other personal consumer reports

I recognize the progress made in correcting my credit file, but some errors remain. As stated in my earlier complaint, unresolved inaccuracies will prompt me to involve my attorney for legal action. This message follows up on my previous complaint. To prevent further action, please adhere to legal requirements and remove the following unauthorized items : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX XXXX : {$660.00} XXXX XXXX Balance : {$4900.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX Balance : {$4900.00} XXXX XXXX Balance : {$340.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ======TRANSUNION : XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$660.00} XXXX  XXXX Balance : {$4900.00} XXXX  XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$17000.00}. If you claim these items are correct and can be verified, provide documentation bearing my signature for these accounts. Without such documentation, I demand the immediate removal of this information from my credit file. You have 4 business days to remove any items related to identity theft. I do not consent to XXXX or any automated verification methods.
Product: Credit card

I was checking out with PayPal ( or so I thought ) and I ended up somehow signing up for their credit card! I feel as though I was tricked into signing up for a credit card I have absolutely no interest in having. I have really good credit and I 'm upset that they did a hard inquiry. At this point I do n't know if it would be better for my credit to keep it or close it. The damage has already been done with the inquiry.
Product: Credit card or prepaid card

I ask capital one for a credit increase last week on XX/XX/2019 and my credit increase was decline due to unfair practices with this bank. When I contacted the Bank on XX/XX/2019 I was rudely treated by a customer service agent with a high language barrier, so I asked to speak to a supervisor and she was so awful and rude and she also mention that she could not explain to me as to why my credit line increase was not granted. I also ask her to review the letters that the bank send to me and she was not able to see that from her side. I was like how can you not see what your bank send me. this is terrible service and the was I was treated was terrible. Capital One need to improve their customer services and train the leaders better,. My credit score is XXXX and I have 15-20k credit limit with other bank. Only Capital one was the one that decline me an increase for a silly reason. I will be closing this account if I don't get my credit increase.
Product: Credit reporting or other personal consumer reports

Company is unable to provide any original documents in to confirm the debt is actually mine.
Product: Mortgage

XX/XX/XXXX Our family applied for HARP modification of our 15-year HUD insured loan with Bank of America. This was because our home is underwater since purchase XX/XX/XXXX and we were increasingly unable to afford the payments. 
Our application to modify the loan terms was approved by FHA. However, the HARP modification affected XX/XX/XXXX simply converted our 15-year mortgage to a new 32-year mortgage. While this resulted in lower monthly payments, we will, in the long term, pay a lot more interest. 
As of XX/XX/XXXX, Bank of America has sold off our mortgage to XXXX. We are unsure if the FHA insurance as well as other homeowner protective clauses conveyed to the new lien holder. 
Our understanding of the HARP-process was that the original loan conditions ( XXXX, FHA insured ) and consumer protection clauses would not change with any modification or transfer. 
We respectfully request that this matter be investigated and corrective action taken to safeguard our interests as homeowners. 

OUR LOAN Information : ADDRESS : XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX Original BoA Loan No. : XXXX New XXXX Loan No. : XXXX Phone : XXXX mobile, XXXX work Email : XXXXXXXXXXXX
Product: Checking or savings account

On XX/XX/2022 I deposited a {$12000.00} check from my personal bank account at XXXX XXXXXXXX XXXX into my personal bank account at Truist bank. I was given immediate credit for {$5500.00} and Truist Bank put a hold on my account until XX/XX/2022. 
The {$12000.00} check cleared XXXX XXXX  XXXX on XX/XX/2022. 

Truist has still not credited the {$6400.00} balance to my account, Please stop Truist from holding funds when they already have the money. 

Truist banking employees claim they can't override the Computer AI.
Product: Credit card or prepaid card

THE DISPUTE I bought what XXXX XXXX  advertised as a NEW XXXX XXXX XXXX XXXX. 
It was NOT NEW, XXXX XXXX? shipped me a used XXXX XXXX XXXX XXXX. 

There were numerous XXXX, most everything with this Crossbow looks used, broken, or defective. 

At the time I purchased the Crossbow from XXXX XXXX Warranty support was from XXXX XXXX at XXXX XXXX. 

Recently, I receive an email regarding a Warranty issue from someone named XXXX, with a XXXX Phone Number and an Oregon, USA address ( NOT at XXXX XXXX ), who does not seem to understand Crossbow Operation or Crossbow Nomenclature. 

I get an email from someone else, also NOT at XXXX XXXX ( XXXX ), who wants to talk only via phone. 
In my opinion, XXXX did not want email documentation, but most importantly, I believe these people are scamming me, and that they do not work for XXXX XXXX or XXXX XXXX. 

THIS IS AN ONLINE SCAM! 
Discover Credit Card said that the XXXX XXXX Dispute was resolved in my favor. The Discover Credit Card Account I was told would be CLOSED ( at my request ) with its XXXX balance, and confirmed via U.S.P.S. Mail, Dispute Resolved in my favor and Account Closed, Balance XXXX. 
This is an Online Scam. I never received the confirmation via U.S.P.S. Mail that Discover send they would send to me. 

I KNOW someone is trying to get me to pay {$1300.00} for a used XXXX XXXX XXXX XXXX, so they can send me a Return XXXX  for a refund, and say they never received it back. 
XXXX XXXX XXXX  Tracking always shows Delivery Exception, re-routed to an alternate address ( alternate address is never not posted-XXXX ). 

I purchased it once If really XXXX XXXX  was the seller, I only need be shipped what I paid for once. 
This is a Scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit inquiries, as well as ones that were clearly deficient of the compliant demonstrated permissible purpose ( to be kept or disclosed lawfully ), allegedly made by the following Original Creditors. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. EQUIFAX failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, per pursuant of section 604 it indicates the only permissible purpose for inquiries are firm offer of credit, court order, employment and insurance. From my records neither did I authorize these inquiries there is not permissible purpose that applies so therefore EQUIFAX is REQUIRED to immediately remove each and every last one of them from my credit report.
Product: Student loan

My loans was increase without me knowing and i was n't aware of it. I was also given a low payment plan being income based.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly vestigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also XXXX  the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), 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 XXXX complies with federal law and provides consumers with th necessary proof of investigation. The following are the accounts I have marked inaccurate. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company swveral times via certified mail in XXXX XXXX, XXXX, regarding Inquiries that were not recognizable. I also previously submitted a complaint through cfpb and the response I got was un-satisfactory.
Product: Credit reporting or other personal consumer reports

per 15 u.s.c 1681b please remove these inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown names and information on my credit report, The accounts that are unknown to me I will list them below, I have inaccurate employment information its keeping me from getting a job and housing. The utilization amounts are incorrect. I would like a review of this information because items are unknown to me. 
XXXX XXXX XXXX, XXXX, OHXXXX XXXXXXXX, XXXX, OHXXXX-XXXXXX/XX/XXXXXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX-XXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX , XXXX, OH XXXX , XXXX, Oh XXXX , XXXX, Oh XXXX , XXXX, OH XXXX , XXXX, OHXXXX XXXX , XXXX, OH XXXX , XXXX, XXXXXX/XX/XXXXXXXX, XXXX, OH Unknown TelephoneNumbersReported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXX XXXX/XXXX # XXXX XXXX & XXXX # XXXX XXXX # XXXX XXXX XXXXviaXXXX
Product: Checking or savings account

BBVA Compass stole $XXXX  dollars as a maintenance fee on their free savings account.  In doing so, they also stole the $XXXX bonus that I was meeting the requirements for on the same account.I requested BBVA Compass' assistance to help fix this problem, but they haven't even bothered to respond to me online, and they keep hanging up on me when I called in the last three times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has continued to report errors on my credit report with XXXX XXXX for XXXX  XXXX. Now it's stating this account is open with a missed payment this account has been charged off and closed. How is this account open but charged off at the same time. This company keeps updating and reporting errors and at this point they are in violation of the Fair Credit Reporting Act..I 'm going to consult an attorney to see what are my options because this has been going on far too long
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a hard inquiry from  XXXX . I did not authorize this inquiry and would like it removed from my credit report   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX , 2016
Product: Prepaid card

First let me say that the Amex gift card was purchased in XX/XX/XXXX from a nearby XXXX in the city of XXXX, NC where I reside and given to us as a XXXX gift. I was holding onto the card for when my son needed clothes again and if money got tight. So I attempted to use the card for first time on XX/XX/XXXX by trying to add the {$100.00} gift card to my XXXX account because I prefer to do online transactions through XXXX for security reasons, however the card was not accepted by XXXX. The Amex gift cards used to have no problems being added as a card in XXXX, but this was no longer the case. Then using the card directly, I tried to make purchase online for XXXX , then tried XXXX 's XXXX and then XXXX 's, but all declined. 

So I contacted an Amex gift card rep via photo although took a while because their automated phone prompts just kept giving useless info and then would end the call with no option to speak to rep. After the third time when I called back and selected a different reason, a Amex rep finally came on and he confirmed the card works on their end cause it showed active, but said that each merchant is not accepting and to call the merchant to ask if they can accept the card. So I did call XXXX while my cart was still waiting for payment after the initial attempt declined. The XXXX support rep entered the card on her end online to pay for the order still showing in my cart, but still was not accepted. She stated that they accepted Amex and technically it should work. So I could not finalize the purchase. 

All the online merchants I visited accepts Amex and this card should work wherever Amex is accepted. If the card can not be used, then it's the same as Amex stealing money or fraud as far as I'm concerned. The problem is Amex not providing a solution to gift cards that have been paid for but are not usable. If most merchants will no longer accept Amex gift cards for purchases, then I will need the {$100.00} reimbursed in a useable form.
Product: Checking or savings account

On XX/XX/XXXX, 10 transactions were fraudulently debited from my checking account. These jumped from Kansas to NY to Alaska - it was obvious these were not in my regular behaviors. Two or three times in the past these types of fraudulent transaction were caught by Citizen 's own software before I caught them. In the past my account was credited either immedidately or within a few days. 

I filed a complaint with Citizen 's Bank on XX/XX/XXXX when I discovered this fraud and was given the claim number XXXX. The total amount of the claim was {$5000.00}. 

I opine that this violates the Electronic Funds Transfer Act of 1978 where funds held for verification not exceed three business days. Citizen 's Bank is claiming to me today when I called to check on the claim that they have until XX/XX/XXXX to complete their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit profile I've noticed invalid information on my credit report. I am disputing all inaccuracies on my credit report with Experian.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.