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

I am requesting with this complaint that the following inaccurate items be removed from my credit report. The items are not mine and are causing me financial distress because of their derogatory information XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX   XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Bank has resolved the case and notified on my account as credit issued, but they did a mistake while processing the credit as removed temporary credit accidently they thought it was a double credit by ignoring earlier rebill on XX/XX/2023 ( {$1200.00} ) XX/XX/2023 : XXXX temporary credit XX/XX/2023 : XXXX rebilled after dropping the dispute as per communication, but problem has not been resolved the dispute, so once again it was disputed, so bank again processed temporary credit on XX/XX/2023 : XXXX temporary credit for re-dispute than bank resolved the case in my favor and notified on line credit issued, but while doing that they ignored the rebill on XX/XX/2023 ( XXXX ), then they removed my temporary credit as double credit with XXXX rebill on XX/XX/2023 XX/XX/2023 : XXXX rebilled by ignoring XX/XX/2023. 
Conclusion : Credit twice on XX/XX/2023 ( {$1200.00} ), XX/XX/2023 ( XXXX ) and rebilled twice on XX/XX/2023 ( {$1200.00} ), XX/XX/2023 ( {$1200.00} ). 
Now the bank is saying we have send it back to XXXX and we will not be able to continue because the funds were already returned to the merchant, so contact them, so I contacted merchant, XXXX, but they denied.
Product: Debt collection

We are trying to close out an Estate in Probate Court. The item that is needed to close out the Estate is a Statement/Release of Claim from the creditors. USAA is XXXX of the creditors, and the claim in question is a loan that was taken out by the deceased but was paid off in XX/XX/XXXX by the Primary Administrator. We have been on the phone with USAA since XX/XX/XXXX trying to get this Statement/Release of Claim for the Loan Account ending in XXXX, and the claim amount was {$3400.00}. At one time this claim was sent to their 3rd party XXXX XXXX XXXX XXXX XXXX, but after 1 year XXXX reported that they sent it back to USAA, and the payment would have to be paid to them. 
As of XX/XX/XXXX and after numerous calls from myself and the Primary Administrator we have still not received the Statement/Release of Claim. The Probate Court has written us that if not received by end of this month then my daughter ( Primary Administrator ) will have to appear in court and pay fines. This is not ethical, good business practice, and the Statement/Release of claim for the loan should have been an automatic send by USAA once the payment was fulfilled. We have spent countless hours trying to get this, and now my daughter will have to appear in court for this dereliction in duty. We need help!!!!!
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXhat you, the Early Warning reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of an Inquire from XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, And a collection account from XXXX XXXX & A opened on XX/XX/XXXX with account number XXXX. 
These accounts have resulted in several fraudulent hard i nquiries and fraudulent collections appearing on my consumer XXXX credit report. 
I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulentitems. 
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 
The aforementioned accounts, collections, and hard inquiries appearing on my consumer 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 FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Syncrony Bank keeps calling my home looking for a XXXX XXXX. This is obviously not me. This has been happening since 2009. I 've told them repeatedly that I am not that person and that these calls need to stop. Most of the time I get hung up on! Some times the calls stop for a few months, but they always start up again. Calls come to my home from ( XXXX ) XXXX.
Product: Credit reporting 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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : CXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX  Balance : {$25000.00} ; DEPT OF EDXXXX XXXX Balance : {$6500.00} ; DEPT OF EDXXXX XXXXXXXX Balance : {$3400.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

ON XX/XX/2023 - XX/XX/2023 CREDIT INQUIRIES WERE PLACED ON MY CREDIT REPORT FROM XXXX XXXX, XXXX XXXX, ALLY FINANCIAL, XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. I HAVE NOT APPLIED FOR ANYTHING WITH THEM. I LOST MY WALLET AROUND THAT TIME HOWEVER I ORDERED A NEW SOCIAL SECURITY CARD AND ID. I AM CERTAIN SOMEONE TRIED TO RUN MY CREDIT AND/OR USE MY NAME. I DO NOT HAVE AN ACCOUNT WITH ANY OF THESE FINANCIAL INSTITUTIONS. WHEN CHECKING XXXX I DID HAVE A FRAUD ALERT NOTIFICATION AND FROZE MY CREDIT. THERE WERE MULTIPLE CREDIT INQUIRES DONE WITHIN A 7 DAY TIME SPAN.
Product: Debt collection

Summit receivables called my husband about my debt and he is not on card. They called me and tried to tell me I am in a XXXX state and they can collect from him. I am in Georgia so they ca n't. They tried to scare me by saying if they go to court it will affect my husband
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite having submitted disputes for the accounts listed below to Experian, XXXX, and XXXX, I have not received any response from these credit bureaus concerning these accounts. This lack of response is a clear and willful violation of the laws governing financial credit reporting acts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To bring to your attention a matter of utmost importance regarding the negligence displayed by credit bureaus in removing unauthorized derogatory accounts from my credit reports. 

The absence of a response has hindered my ability to contest the accuracy of the information and investigate potential cases of identity theft. As a result, I have been prevented from mitigating the harm caused, which in turn has affected my capacity to engage in contractual agreements and conduct business.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

This company placed almost XXXX non-emergency, automated-type mobile calls to me outside the scope of my consent and without providing me means to discontinue receiving these calls. The calls were either abandoned or alternatively instructed me to hold as the the calls were being recorded.. [ for training purposes ] ...? I picked up about XXXX calls without success of halting the calls.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is governed by USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Sent a certified letter to XXXX XXXX XXXX on XXXX XXXX received no response. I called to check the status and they told me that it had been transferred to there sister company Law office of brett m. borland. Later I received a letter regarding the debt from Law office of brett m. borland, p.c., I mailed a validation letter XX/XX/XXXX. I called an spoke with Mr.XXXX  XXXX on XX/XX/XXXX and emailed him @ XXXX a video/move-out notice and reason/medical paperwork. of the the unit on my move out along with a validation letter, and the move-out notice that was sent via email to the property. Also, informed him that the charges/false were unfair and that they needed to be corrected.. I received a response on XX/XX/XXXX with an invoice, ledger, move-out notice, lease, summary. Well the discrepancy is that the paperwork has false claims/charges. They said the video is not valid, and that I have to pay what is stated. Per the invoice they say there was no notice given which was was false I provided that on XX/XX/XXXX. I moved out the unit XX/XX/XXXX they had on the invoice XX/XX/XXXX which is false. I ask for proof when the unit was re-leased as to I will not be paying for an occupied unit.They have different lease end dates. They are trying to charge to clean the carpet which is illegal. I asked for physical proof of removal of the alleged trash they so called removed.Overall the unit had normal wear and tear, and the charges are unfair and they falsifying information. I have called XXXX XXXX at XXXX which is the property mgmt company.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a XXXX XXXX riding lawnmower from our local XXXX 's. I charged it on my XXXX 's ( SYNCHRONY ) credit card. They have a Promotion that if you spend more than {$2000.00} you can charge it at a fixed rate at a lower interest rate. I charged {$2900.00} fixed pay for 60 months. I recently looked on their website and it shows I still owe {$2100.00} that I've been paying for more than XXXX years. That's only {$850.00} towards a fixed loan. Something is fishy going on. I contacted XXXX 's XXXX and all I got was excuses. I'm not disputing what we owe XXXX 's because I don't know because you can't get all the statements from XXXX. 

Another fixed XXXX months in XXXX for {$2000.00} and the current balance is {$1100.00} so {$840.00} has gone toward that one. 

The first thing that gets paid when we get paid is our debts. XXXX 's is on Autopay. There is no excuse for this. A fixed loan is a fixed loan. Come XXXX if that Lawnmower is not paid off I will be taking legal action.
Product: Credit reporting or other personal consumer reports

Hello, I am contacting you in hopes to successfully dispute an account since I have already reached out to the collection agency on XX/XX/year>. I mailed them a letter requesting validation of the collection. They responded by mailing a letter telling me that the collection was verified without any documents with my signature or any other further evidence. However, I need to have this removed because it violates the Fair Debt Collection Practices Act by using misleading representations and unfair and deceptive practices in the attempted collection of a debt.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding the inaccurate information reported on my credit report by Experian related to an account with XXXX XXXX XXXX ( XXXX XXXX  ). Despite submitting a dispute directly to Experian and requesting proper documentation for verification under the Fair Credit Reporting Act ( FCRA ), I believe that the reported information is inaccurate, and my dispute has not been resolved adequately. 

Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Status : Account charged off, {$520.00} written off, {$520.00} past due as of XX/XX/XXXX Balance : {$520.00} Details of the Complaint : Incorrect Reporting of Account Status : The account is reported as charged off with a {$520.00} balance, but I dispute the charge-off status. I have not received adequate documentation supporting this charge-off, and I believe this entry is inaccurate. 

Discrepancy in Payment History : The payment history shows multiple past-due amounts for XXXX  days, starting from XX/XX/XXXX to XX/XX/XXXX, but I do not have record of such delinquencies. I have requested proof from Experian, but no supporting documentation has been provided. 

Failure to Provide Proof of Verification : Despite my efforts to dispute this account with Experian under the FCRA, I have not received any physical proof verifying the accuracy of this account. I have requested documentation of the charge-off and the payment history, but Experian has failed to provide adequate verification.
Product: Mortgage

I have a mortgage loan with LoanDepot. I signed up for paperless service and I access bills and other information from my loan depot account. 

Loan depot 1 ) Changed their account service system, which requires creating a new account AND 2 ) Changed the loan number on my loan. Now, I can't access my account to find out my new loan number nor can I create a new account because I do not have my new loan number. 

I have tried contacting the loan depot phone number, but once again, I can not get through the automated system because I do not have my loan number, which is required to be entered prior to speaking to a human being. 

I need to make sure that my payments are going and that taxes insurance etc are being paid correctly.
Product: Checking or savings account

I signed up for a Citi account through a promotion that offered a $XXXX bonus after 60 days for depositing $XXXX in new funds into a new checking account and an additional $XXXX for savings account. I satisfied this $XXXX  deposit requirement on XX/XX/XXXX. On XX/XX/XXXX I reduced the account balances to $XXXX   minimum required to avoid monthly fees. This is beyond the 60 day requirement for the $XXXX  deposited. I then received a strange notification about my *New* Citi account (now several months old) was then alerted that the required deposit balances were not met.When doing research it appears that this is a routine problem for Citibank customers - deceptive marketing to capture customers and trying to avoid paying these bonuses.
Product: Credit card or prepaid card

My card is with Prosper/XXXX XXXX XXXX On XX/XX/XXXX my card was restricted with no reason. My balance is low ( {$250.00} out of {$800.00} ) and I have made multiple payments. No late payments. I called and was told they were checking my account for fraud and it would be cleared up in 24 hours. 4 days later they emailed me that I needed to make an additional payment to have the card unlocked. I had already paid that month 's payment but I paid an additional amount. The next day my card was still locked and I called. This is now XX/XX/XXXX. I was told that they just have my card restricted for an undetermined amount of time. They would not let me speak to the fraud department or a supervisor. I insisted to speak to a supervisor and I was left on hold for 20 minutes then the line disconnected.
Product: Checking or savings account

My bofa checking account which is linked to my unemployment benefits had fraudulent activity with some unknown person using the card to withdraw funds from atms near me. The unknown person withdrew {$1000.00} at a time ( the maximum ), in consecutive days XXXX XXXX, I reported the fraudulent withdrawals immediately on approximately XX/XX/XXXX. BofA initially credited the fraudulently withdrawn amounts and then subsequently made adjustments and removed those credits. Now my account is negative due to those fraudulent transactions not being credited.
Product: Credit reporting or other personal consumer reports

RE : You Violated U.S. Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) by Furnishing Reports in Connection with Credit or Insurance Transactions Not Initiated by the Consumer.

To Whom It May Concern, After reviewing my consumer credit report, it is clear your agency is in multiple violations, and I am entitled to monetary compensation under FCRA 15 U.S. Code 1681s-2 and 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Your agency has furnished reports in connection with credit or insurance transactions not initiated by me, the consumer. The law is explicit : ( A ) The consumer must authorize the agency to provide such a report. 
( B ) ( i ) The transaction must consist of a firm offer of credit or insurance. 
( 3 ) A consumer reporting agency shall not furnish a record of inquiries in connection with a credit or insurance transaction not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( 2 ), any person obtaining a consumer report under pretenses or knowingly without a permissible purpose is liable for actual damages or {$1000.00}, whichever is greater, plus punitive damages as the court may allow. I did not initiate any of these inquiries. If you believe otherwise, provide me with copies of my written consent. The following items must be removed from my consumer report immediately under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : XXXX XXXX XXXX XXXX Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a oral agreement nor a contract with XXXX XXXX, this account is a charge off, the orginal creditor should no longer be reporting a balance on my credit report. Both the original creditor XXXX XXXX and debt collector XXXX XXXX are showing a balance and that is considered inaccurate reporting and a violation of my consumer rights. I have disputed this accounts multiple times with both XXXX and equifax due to many inaccuracies and all they did was update the violations and claimed that this account was verified without proof.