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

t has come to my attention that you have reported inaccurate information concerning my credit report to the credit reporting agencies. Under 15 U.S. Code 1681c, you are legally obligated to ensure that all information reported is accurate, up-to-date, and not misleading in any way. Your failure to comply with these legal requirements is unacceptable and has caused significant harm to my creditworthiness and financial standing. 

The inaccuracies on my credit report include but are not limited to : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inaccuracies constitute a blatant violation of my rights under the FCRA . Your actions are not only unlawful but also demonstrate a reckless disregard for my rights as a consumer. 
t has come to my attention that you have reported inaccurate information concerning my credit report to the credit reporting agencies. Under 15 U.S. Code 1681c, you are legally obligated to ensure that all information reported is accurate, up-to-date, and not misleading in any way. Your failure to comply with these legal requirements is unacceptable and has caused significant harm to my creditworthiness and financial standing. 

The inaccuracies on my credit report include but are not limited to : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inaccuracies constitute a blatant violation of my rights under the FCRA . Your actions are not only unlawful but also demonstrate a reckless disregard for my rights as a consumer.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I originally took out a loan for a property in XXXX XXXX  with XXXX XXXX XXXXXXXX. That loan was an adjustable rate mortgage. The loan was subsequently sold to Ditech. The loan is in the adjustment period and I would like to refinance it. 

The problem is that Ditech does not have a license to originate loans in XXXX XXXX. They can service them, but not originate or refinance them. 

Ditech 's solution to wanting to refinance my loan was to contact a lender in XXXX XXXX -- however, taking out a new loan is much more expensive that just refinancing. 

So the problem I am having is why a company can own a loan from a state in which they can not originate them? It leaves their customers with much less flexibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXXXXXX XXXX, XXXX XXXX Balance : {$4300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

there are inquires that are not mine as i explained to TransUnion and XXXX They refuse to take them off they are not mines for i am a victim of identity theft. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I have never applied for credit for these companies.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX account # XXXX**.15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section A section 2 : It also states i consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Crediter name consumer XXXX Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Permissible purpose : written authorization Reguest on XX/XX/2017 Above information was been reported on my XXXX XXXX report. 
When contact the credit explain to me why they reported and optenin information from my file they refused to disclose and identify whos sending them written athurization to access my files
Product: Credit card or prepaid card

XXXX is nothing but a rip off sham. They have been cheating me with {$20.00} a month interest only XXXX XXXX dollar balance regardless if I make a payment. OBVIOUS this can not be legal. This crytic flim flam billing is criminal to say the least. PLUS they deliberately do not answer the phones. Irrefutable they are conniving thieves being evasive and deceptive. THIS is a worthless store credit card. Countless complaints online same scam!!!!!
Product: Debt collection

NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX {$4100.00} XXXX left them multiple emails regarding this situation and I had someone throw paint on my door. Someone destroyed my apartment and claimed I did it just like my neighbor next door got into an argument with me and the paint on my door and they did nothing. I had to pay for a hotel because I didn't feel safe. i'll came to the front office and they aren't there or it's closed early or they don't answer their phone I leave messages I leave emails at this point there is nothing else for me that I can do they refuse to return any of my phone calls or respond to any of my emails in regards to XXXX issues that I have in regards to this apartment since I've been there I've had XXXX XXXX XXXX  XXXX from this carpet that it took them a month of me contacting and begging them to clean and i eventually ended up in the hospital I now had birds in the walls of my apartment and I've looked outside on the side of the house and there are holes that they have constantly made a noise pecking at to get into the building and now they are living in the walls I started getting pest issues from all the trash that is constantly left around the entire neighborhood I now have pictures of proof of everything from the dirty hallways the overflowing trash the dirty disgusting breezeways the amount of times that I've tried to contact them with no luck and on three different occasions now there have been gunshots near my apartment in my home and my safety is now questionable I also have recordings of one of the shooting incidents they are refusing to do anything the gate has been broken for almost 6 months now and no one is caring about the safety of the people that live here and I am expected to give rent when I do not feel safe living here i ended up losing my job due to me being XXXX XXXX XXXXXXXX XXXX  This was a very toxic living situation. I can not pay
Product: Checking or savings account

I currently am a freshman attending XXXX XXXX XXXX and I work full time. On XX/XX/24 I was alarmed to see my wages and XXXX XXXX were withdrawn from my college checking account with PNC Bank. I contacted the bank and was told my account was being offset/levied. I was devastated. 

I told my parents and my Dad flew here from XXXX XXXX XXXX to speak in person with the XXXX XXXX XXXX. A fraud investigation was initiated and there were found fraudulent activity on a separate account my parents held jointly for me while I was a minor. 

Now PNC Bank is sending some payments back for these fraudulent charges to close the compromised account. But its been over XXXX months and I havent been made whole and the sole personal college checking I opened with PNC is now closed. 

I feel like I have been robbed. What rights and protections do I have here? And, is it even legal for PNC bank to take my XXXX XXXX and wages without any notice? 

Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following are unauthorized and I asked XXXX delete them I have reached out two both XXXX and the companies the Inquiries were made from and neither party can provide me documentation of my application or wet signature on documents but refuse too comply with Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that creditors and XXXX can not verify.I understand that under 15 U.S.C.1681i ( a ), you must complete this investigation within 30 days. The following companies and XXXX need to provide me copy of application and signature said companies are : FOURSIGHT CAPIT
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX CA, XXXX XXXX LexisNexis Risk Data Management Inc. 
LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX LexisNexis Risk Data Management Inc .

Subject : Request for Method of Verification - Bankruptcy Information Consumer Report Reference Number : XXXX Dear Lexis Nexis Consumer Center, I hope this letter finds you well. I am writing to request specific details regarding the method of verification employed by Lexis Nexis in there porting of bankruptcy information.I recently received information from your database indicating the presence of a bankruptcy entry on my consumer report. In light of this, I am seeking clarification on how Lexis Nexis verifies and validates such bankruptcy information. 
Please provide the following information : 1. The specific procedures and methods used by LexisNexis to verify bankruptcy information. 

2. Any documents or criteria utilized in the verification process. 

I understand the importance of accurate and verified information within consumer reports and I am eager to ensure the integrity of the data associated with my profile. I kindly request that you respond to this inquiry within 15 days from the date of receipt of this letter. Your cooperation in providing these details is crucial in addressing and resolving discrepancies related to my consumer report. 
If there are any specific forms or additional information required to facilitate this request, Please do not hesitate to inform me. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in providing the necessary information within the stipulated time frame. 

Sincerely, XXXX XXXX Reference # : XXXX
Product: Credit card or prepaid card

I have outlined below all the steps/problems I incurred when opening a new Citicard Visa account. I filed a dispute with Citibank 2 weeks ago and as of today I have had no response from them. Below are the issues/steps I have taken so far : 4 phone calls before I got cards for new account Website does not work, asked for help via Live Chat and did not get much. Once I was finally able to log I only see an big " error '' message on the screen when I try to access Payments/Transfers or Accounts I was signed up for electronic statements even though I would not ever want them and was not aware o This was never explained in the 4 calls to express concern for not getting cards/statements Because Citi issued a total of 3 cards to me before I finally received them ( via XX/XX/XXXX XXXX I now show 2 Citibank credit cards accounts on my credit. I only requested 1. 
Citibank reported me 30 days past due causing a 90 point drop in my credit score which dropped my credit score by 90 points. I have not had any late payments on any account and have always been diligent about paying my bills on time. This in my opinion was not deserved since Citibank has had issues with my account since day one. I want this removed and my good credit standing to be restored.
Product: Credit reporting or other personal consumer reports

These items are a result of identity theft. These items do not relate to me as the consumer. This block was not made in error, neither was it made by a material misrepresentation, nor did i obtain goods or services as a result of the transactions. Your company is required to block & remove these transactions not later than 4 business days upon receipt of this letter & proper documentation. Block & remove the following transactions from the consumer report.

IN PURSUANT TO 15 USC 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as infor mation that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the
information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Regarding TransUnion 's Reporting Practices Dear CFPB, I am writing to formally dispute the accuracy of information reported by TransUnion regarding my credit history. According to TransUnion, they claim to update information on a daily basis. However, I do not believe this is true in my case. 

I spoke with XXXX Saturday XXXX regarding an account that I paid off with there company on XX/XX/year>. They have confirmed they sent the updated account information to TransUnion ; however, I have not seen any updates reflected in my credit report. 

This lack of timely and accurate reporting is concerning and affects my creditworthiness. I would appreciate your assistance in investigating this matter further and ensuring that credit reporting agencies adhere to fair practices. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely CFPB If you have any other questions or need further assistance, let me know I see having proper documentation doesn't do any good. Also TransUnion is always behind by 30 days
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several fraudulent accounts from my credit report, which I have identified as a result of identity theft. My personal information was compromised in a recent data breach, and I have enclosed a copy of my Federal Trade Commission ( FTC ) Identity Theft Report, along with my identification documents, to support my claim. 

This is my second request for the removal of these accounts, as I previously contacted you regarding this issue, and the fraudulent accounts were not removed from my credit report. I want to emphasize that my request to block this information is not an error or misrepresentation ; it is a legitimate claim resulting from identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I have specific rights regarding the accuracy and integrity of my credit information : 1. 15 U.S.C. 1681b : This section grants me the right to access my credit report. Upon reviewing my report, I discovered accounts that do not belong to me and are fraudulent in nature.

2. 15 U.S.C. 1681c-2 : This provision requires that you block the reporting of any information resulting from identity theft upon my request. I am formally requesting that you block the following fraudulent accounts from my credit report : Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 U.S.C. 1681e ( b ) : This section mandates that you maintain reasonable procedures to ensure maximum possible accuracy of the information you report. Given that these accounts are a result of identity theft, retaining them on my report violates this obligation.

4. 15 U.S.C. 1681c-2 : Furthermore, I invoke my right under this section to request the blocking of these fraudulent accounts based on the FTC report I've included.

5. 15 U.S.C. 1681c ( b ) : Additionally, I would like to reference this section, which emphasizes that you must ensure the accuracy of reported information and take necessary actions to correct any inaccuracies, including those arising from identity theft.
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished on my report because they are in violation. Under 15 U.s. Code 1681b- Permissible Purposes Of consumer reports ( a ) In General subject to subsection ( c ) Any consumer reporting agency may furnish consumer report under the following circumstances and no one never gave any consumer reporting agency any written consent to report anything on my consumer report which it violates my rights as a federal protected consumer. No consent is identity theft!! As a consumer I am demanding the deletion of the accounts listed below be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Equifax has been non-compliant with removing the unverified account Bankruptcy DISMSD/CLSD CHXXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that Bankruptcy DISMSD/CLSD CHXXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

For more than a month, I have been receiving multiple ( more than 11 in one day ) phone calls almost every day from various phone numbers at all hours of the day ( XXXX XXXX to XXXX XXXX  ). Initially when I answered these calls I explained to them that I do not owe XXXX   XXXX any money and that in fact, as I have sent them notification and documentation, they owe me money. They leave recorded messages asking for my attorneys name saying it is urgent before legal action is taken. They have now starting calling and harassing my family members. When I've asked to speak to a supervisor or for them to send some type of written communication, they refuse and hang up.
Product: Credit reporting or other personal consumer reports

I NEED THESE ACCOUNTS TO BE DELETED XXXX XXXX XXXX XXXX Balance : {$0.00} DEPT OF ED XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$750.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$250.00}
Product: Credit reporting or other personal consumer reports

Credit acceptance will not put the proper information on my credit reports they are keeping me from getting another vehicle with mine was totaled they were completely paid off for the vehicle they tried to force me to pay {$10000.00} in interest that their own contract says is not owed they tried to make me pay {$2000.00} it was not owed and they ended up extorting XXXX from me just so they would close the account which all three credit reports have three different things on them and I can not get a vehicle and I'm going to lose my job and I'm behind on all my bills because they will not correctly report my account
Product: Checking or savings account

I am writing to file a formal complaint against Bank of America regarding their mishandling of a policy cancellation and refund request claim with XXXX XXXX XXXX. 

On XX/XX/2023, my company, XXXX XXXX XXXX requested to cancel our policy with XXXX XXXX XXXX from XXXX County, Georgia. Initially, we were informed that the cancellation process would take approximately one week, with assurances of a refund for the remainder of the month. However, subsequent communications delayed the cancellation into the following month, and despite promises of a refund, XXXX XXXX has not refunded us for unauthorized charges totaling {$3900.00}, extending over multiple months. They kept charging us for multiple months after we first inquired to cancel our policy. 

Despite our cooperation and provision of all necessary documentation, including emails and call records, to support our claim, we have received no resolution from XXXX XXXX. Bank of America, our bank, initiated a dispute on our behalf, yet XXXX XXXX has failed to respond to their inquiries. Up until cancellation, we had been using them for almost two years and paid them over {$45000.00} while our insurance was in use. Bank of America is still trying to get our money back, but they have not received any word from the other party whatsoever. Our claim has been pending with Bank of America since XX/XX/2023 and they just keep dragging us and making us wait. 

We urgently request your intervention to expedite the refund process and ensure accountability from XXXX XXXX and Bank of America. This situation has caused undue financial strain on our business, and we seek prompt resolution to prevent further losses. 

Thank you for your attention to this matter. We look forward to your assistance in resolving this issue swiftly and ensuring fair treatment for consumers.
Product: Mortgage

My husband and I refinanced our home and closed on the property on XX/XX/XXXX. Our original lend was MidAmerica and they are a nightmare. We have not yet received our Escrow payment. MidAmerica will not answer phone calls or emails. It has been well over 20 days. 

Our new lender, XXXX XXXX, our title company, XXXX XXXX and myself have attempted many many times to contact anyone from MidAmerica to resolve this problem to no avail. We are either kept on hold for more then 2 hours or just not responded to by email or any other means of communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with the credit reporting agences, like Equifax, refusing to update my employment status to " XXXX ''. I have been XXXX  for three years now. I am not employed and have not been employed  since XXXX. And have not owned " XXXX XXXX '' since XXXX : Erroneous information still persists on all of my credit reports.
Product: Credit card or prepaid card

I purchased at item off XXXX seller " frauded '' me and sent me a " XXXX man '' in an envelope figure instead of what I really ordered. Credit card credited my account, and then said months later added the charge back on, because they said i should have returned the " fraud item ''. No one told me to return a XXXX  figure to XXXX, and now they are charging me again for a product that was never really sent to me.