23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint is being filed to request pursuant to FCRA 605B ( 15 U.S.C. & 1681c-2 ) That you XXXX, transunion and XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fradulent, inaccurate and false information consists of several personal credit cards opened at XXXX account number XXXX and XXXX XXXX  account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX and an auto loan from XXXX XXXX  account XXXX. These accounts have resulted in several fradulent hard inquiries and fradulent collections appearing on my consumer XXXX credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the mentioned fradulent items.I do not recognize the above mentioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collections or hard inquiries appearing on my credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint number ( XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I am finding the 3 day disclosure rule for a refinance not very effective, first of all there is a 3 day right of recission so why do we have a 3 day disclosure as well, getting this orchestrated and the timing correct delayed my closing so many times it took several months to work it out. 
Then on my purchase I am not sure since my contract CLEARLY STATES the seller is paying my title insurance why does it have to be charged to me then credited and why is the loan amount disclosed at promulgated rate when I 'm paying reissue credit. This is so confusing and I have a financial background, I ca n't imagine how confused consumers with no financial background are navigating this new CD. I think you need to rethink this CD or at least how you disclose, just stick to the facts, if seller is paying allow seller to pay, if simultaneous issue rate put that on be upfront.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and good day I had an disputed account removed from my credit report. From all three credit bureau back on XX/XX/2020. Later that year another company reported on the same account as that I still owned it. I have already contact all three credit bureau as well as the company that is reporting once again on the deleted account. Please refer to the attachments. The original account name was XXXX XXXX # XXXX, now XXXX XXXX XXXX is reporting. I have reached out to them stating that the account has nothing to with me and that it has been delete off of my report. They once again are charging me for it. I have sent proof and notarized letters stated that it was delete from all three credit bureau as well as sent to XXXX XXXX XXXX. please help me out. I have reach out to XXXX, XXXX, transunion and XXXX XXXX XXXX. They are not wanting to help even with the proof that has been provided
Product: Debt collection

I had a missed call from Prince Parker and Associates. I called them back twice and finally got someone on the phone. The told me who she was and what they were collecting. She went on asking me if I had XXXX on " such and such date and started asking me about insurance information ''. I then told her that I applied for financial assistance with the original creditor and that I had not heard from them. The lady then told me that the original creditor denied my financial assistance. WHICH WAS A LIE but the original creditor never GOT MY financial assistance application.
Product: Credit card

I was on PayPal.com and was browsing through their offers page for cash back purchases. I saw that they were offering 10 % cash back on purchases made from XXXX. I added the offer and made the purchase via the browser from the PayPal app. This happened on XX/XX/year>. The purchase was for {$140.00}, XXXX offered a coupon on the purchase which deducted {$22.00} from the order for a subtotal of {$120.00} and and grand total of {$130.00} including tax. 

When I noticed that the rewards were not pending even after I received my item, I reached out to customer service. Customer service said that I needed to wait 14 days in case the rewards came up. After 14 days there were still no rewards. I responded to customer service and provided them the details on the transaction. Customer service responded saying that I did not have the offer active and they can not provide the rewards. 

This is a lie, I had it applied and I even completed the transaction through the PayPal app via their web browser and in the bottom corner of my phone screen, there was an icon indicating that I was going to get 10 % cash back on the purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2017 Court : XXXX Bankruptcy XXXX XXXX CA Reference # XXXX account was reported to a Credit Reporting Agency without my knowledge or permission. I have requested for this information to be removed for several years now with no resolution. 

In accordance with the Fair Credit Reporting Act my rights were violated.

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Debt collection

Portfolio Recovery is a collection agency reporting two accounts on my credit report, showing XXXX XXXX XXXX as the original creditor for the amount of {$940.00}. And the second collection account is reporting XXXX XXXX as the original creditor for a balance of {$1200.00}. 

I sent XXXX XXXX a written request for both accounts asking them to send me the copies of the signed credit application for those two accounts since I believe both accounts were opened via identity theft. 

XXXX replied to my requests with copies of credit card statements yet did not send me a copy of the signed credit application for the two accounts mentioned. 

The XXXX XXXX account number they have on their letter is XXXX. 
The XXXX XXXX account number they have on their letter is XXXX****. 

On XX/XX/XXXX, they sent me the copies of statement, on XX/XX/XXXX I replied that the statements they sent me contain an unknown address I never lived at. On XX/XX/XXXX they replied that they already responded to my previous letter and considered this case closed and if they continue receiving letters from me they will considered this matter resolved. However they never resolved anything because they are ignoring my reply in which I 'm telling them the address on the credit card statements is unknown to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX XXXX XXXX XXXX ran my credit but Equifax is not reporting any information to them - Being that this isn't the first time I heard this when it comes to Equifax, I called Equifax & the multiple customer service agents I spoke to showed that they are, in fact, showing a Hard Inquiry from XXXX XXXX XXXX XXXX - However, I received a copy of the Credit Report received from XXXX XXXX and learned that while XXXX  & XXXX  are reporting a Credit Score, Credit Report & Credit information, Equifax is NOT showing a Credit Score, Credit Report or Credit information.
Product: Checking or savings account

Ive had Navy Federal for a few weeks now. Today XX/XX/2022 randomly during the day my card declined as I was buying lunch, before that my boyfriend sent me some money through Navy Federal and his account was PERMANENTLY RESTRICTED and the lady tried to argue him down the funds were fraud. I found out my card was blocked tried to log in to online banking but it gave me an error and told me to call XXXX ( XXXX ) XXXX I called and the hold times were HORRIBLE! I spoke with one department to be transferred to another just to wait over an hr and the rep XXXX XXXX told me It looks like another XXXX was logged into your account instead of maybe having me reset my username and password if that was the case she gives me this LONG drawn out speech on what I would need to do. Close the account, open a new account, and transfer the money to a new account. This is by far the WORSE experience ever and Im so glad I have back up accounts because I will be withdrawing my funds and going to another bank.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is acurate, 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 contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding proceedin ( File No. 2025-CFPD-002 ) against them for similar violations.

I request that the CFPD take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of the investigation. 

These are some of the accounts I have marked inaccurate : XXXX XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

All three credit bureau have several collection reporting they were once removed now added back on XXXX XXXX XXXX XXXX XXXX XXXX credit bureau is update report stating verified with no proof of validation sent to that I requested its been more than 30 days I been asking for validation I been a victim of XXXX data breach recently from XXXX XXXX, XXXX XXXX, and XXXX I want proof my identity was stolen and I have no sign agreement with these collection agency
Product: Debt collection

On XX/XX/2019, I sent by mail a verification letter to the collector. I informed them that I did not recognize the account that they are trying to collect. Also I requested them verify the debt as required by the Fair Debt Collections Practices Act ( section 1692g ) and XXXX XXXX  XXXX Administrative Code ( section 20-493.2 ). I asked them for : A copy of an original document confirming the debt to the original creditor ; A copy of the final account statement issued by the original creditor ; A document itemizing the total amount due and additional charges ; and Any other documentation verifying the balance and all other charges alleged due. 
Unfortunately to date I have not gotten any verification from the collector. To my surprise, today I have checked my Credit Report and I noticed that the collector only updated the information as : " Account Information Disputed by Consumer ''. It means the collector got my letter but it did not verify the account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Mississippi XXXX XXXX of Birth : XX/XX/XXXXXXXX  Subject : Request to Delete Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. This is the wrong creditor for this item XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

6. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

7. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

8. The inquiry was not authorized XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Other information I would like changed XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 11. The status is incorrect for the following account XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

12. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. This inquiry was not authorized. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


In accordance with the Fair Credit Reporting Act, I am requesting an investigation into these items and their removal from my report. It is my understanding that you will verify these items with the relevant creditor. Any information that the creditor is unable to verify should be promptly deleted. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this correspondence.

Please send an updated copy of my credit report to the aforementioned address. As outlined by the act, there should be no fee for this updated report. Furthermore, I kindly request that you notify any party who has accessed my credit report in the past six months of the corrections made.
Product: Credit card or prepaid card

I wrote to Bloomingdale 's to dispute billing errors on my account. I first wrote on XX/XX/XXXX and never received response ( certified receipt ). I then wrote again on XX/XX/XXXX ( certified receipt ) and to date no response. These letters were addressed to the CEO. 
The amounts billed each month as I described in my first letter were incorrect. One month I owe thousands next month nothing. I was being charged for items returned months before. Payments I sent in were put on items to be paid XXXX and the item they say I did not pay I was charged lump sump of interest payment. I am and have requested that the errors be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. In the beginning I made calls to try and correct to no avail ( dates are in my letter ).
Product: Mortgage

I applied for a XXXX XXXX modification on XX/XX/XXXX and on XX/XX/XXXX I was approved during a Bankrutpcy Chapter XXXX in which I filed on XX/XX/XXXX. The loan modification that was approved and implemented did n't support my financial hardships and a mortgage payment of {$1700.00} back on XX/XX/XXXX should have been around {$1200.00} with all property tax and home insurance included. Also all property tax and loan fees escalated the mortgage payments to {$1800.00}, {$1900.00} {$3000.00} as I received statements from lender. On XX/XX/XXXX another XX/XX/XXXX modification application was implemented, but it appears that a denial will be in place.The lender investors does n't want to lose money and they are going to lowered the mortgage at {$1200.00} with property tax and home insurance included. The present principal is around {$380.00} and interest {$890.00} with a interest rate at 4.12500. Why is so hard for lender investors to accommendate military veterans and citizens on XXXX XXXX and XXXX? Investors and lenders makes billions of dollars from military Veteran and Consumers. I put my home for sale with a XXXX XXXX Real Estate Agent on XX/XX/XXXX and reduced the sale price from {$340000.00}, {$280000.00} and {$270000.00} because the sluggish sales market and Real Estate home sales downgrading to 12 percent in the areas of XXXX XXXX. Also new construction home builders are making my home sales very tough because they are giving incentives of closing cost paid and many other benefits incentives in XXXX, Texas. I am going to dismiss my Real Estate agent and remove my home from the XXXX. I am going to stay in my home and hope that my XXXX XXXX modification and mortgage is reduced to affordable payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Called from XXXX company called Capital Link Management in NY. Called my business line and left a very threatening message that they needed to talk to my attorney today, blah, blah. Very rude tone of voice and trying to " strong arm '' someone. I called back and it was for a debt for a person not at this number. Then they thought they were cute and started asking if I knew this person, etc. I don't want them calling my number again. This is a business and I don't have time to waste talking to bottom feeder bill collectors. I do not owe them any money.How is it even legal when my voice mail message clearly states this is a business?? Isn't leaving random messages for debtors on unknown phone numbers a violation of the FDCPA?
Product: Checking or savings account

Bank of America authorized a creditor to offset balance of a company I was working for ( XXXX ) to take money from my personal checking account at the same bank. 
On XX/XX/XXXX I noticed a chage for about {$2600.00} that was drafted from my account. 
I called to the customer service of my account at XXXXXXXX XXXX  spoke to XXXX and after long checks they said they will reverse the transaction. On XX/XX/XXXX I did a follow up call, the bank representative said it takes between 3-5 business days. 
Of XX/XX/XXXX I called after receiving a letter that explains that the money that was drafted from my account was for a company I use to be president for back in XXXX. 
I requseted to see ANY documents that I have signed that put me as a personal guarantor on the account, I was online with representatives transferred from one department to another for over 4 hours. After all this time they said they do not have documentation of that but still will held me liable. 
I asked to speak to the highest management and was very upset, XXXX XXXX called me back, claim she is a manager and already tried to look for documentation relating me as a guarantor to the XXXX. But she can't find any, I explained its because it doesn't exist. She ended the call by letting me have a XXXX XXXX to contact a department ( Correspondences XXXX XXXX XXXX XXXX XXXX Texas XXXX ) she stated it is for account credit card number XXXX. ( I was even more in shock as I was with the bank 14 years, never missed one payment. ) When opening that credit card back in the day, I was present at the bank and stated to XXXX, the person that opened the account, that I'm not to put at any way

on any responsibility on the account, as I'm just working as a manager. He said he didn't related me in any way. Still without any docume
ntation supporting their offset action they just threatening on my personal account funds.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, OH XXXX Re : Closed account ending in XXXX, Active account ending in XXXX In XX/XX/XXXX I misplaced my BJs credit card ending in XXXX, and closed the account. 

In XX/XX/XXXX I paid my active card ending in XXXX. 

You credited my closed account for my payment hence the credit balance. I called customer service and was told the monies would be moved to the active account and the late fees would be waived. 

It has been 2 months, I stopped using the XXXX account. You never transferred the payments to the active account, you have charged me {$60.00} in late fees and interest. 

What do we need to do to correct this? 

Thank you, After this letter they moved the credit from the closed account to the open account but they left the late fees, interest and charged a membership renewal to the active card. I sent them a letter saying I do not want to renew, I am not using the card and I want a credit for the late fees and interest. They called today to say they are putting me in collections. 

I have tried calling and was told everything has to be in writing at this point. I am in my XXXX and would like to have my record clean before I die. This card is linked to a BJs wholesale club membership I do not want the card or the membership. I just want out of this relationship.
Product: Checking or savings account

On  XXXX   XXXX ,   XXXX   at  XXXX   XXXX   XXXX , I received a telephone call from  Ally Bank on my personal telephone. The person calling advised me that the call was being recorded. I told him I didnt want to be recorded. He told me I could not communicate via telephone with Ally Bank without my call being recorded and that he could not call me back on a line that is not recorded or otherwise stop the recording. I decline to continue the call. The only account I have with Ally B ank is a savings account. California is a  two  party consent state as described in  Cal. Penal Code 632 . The  Federal statute is mute since the California statute is more restrictive and the Federal  statute defers to the more restrictive statute when one exists.
Product: Credit reporting or other personal consumer reports

A collection company Waypoint Resource Group acting for XXXX XXXX claims a debt is mine and has added an address that I have never lived at as an address on my credit report. As the debt is linked to that address and I have never held any type of residence at that address, and the collection company was the one that had the address added, it stands that the debt is not mine and is somehow being linked to me. I will not initiate discussing with a collection company for which I have absolutely no responsibility. Save for this added to my credit report I have never had any unpaid debts, at best this is an error and or a fraud perpetuated by someone else. I have no documents to upload or include as I have absolutely NO CONNECTION to the issue.