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

My Equifax report is wrong. 
It contains an account XXXX XXXX XXXX which shows an ~ {$18000.00} balance that is not mine. 
It shows it is current with monthly payments being made. 
I don't have this account, I don't receive statements, I am not making payments on it. 
This would either be bad data, or a mixed ( credit ) file. 
I have reached out to contest this four times. It gets removed and XXXX puts it back on. 
Attached are the dates and case numbers of the contests I have called XXXX numerous times. 
I have been informed via the customer service, security team, XXXX team, charge verification teams that i DO NOT have an account either in credit card or loan departments with XXXX. 
They have verified to me that there is NO ACCOUNT with them tied to my SSN. Yet they keep putting this back onto my Equifax report. 
I have exhausted my options in communicating with XXXX and want this removed from my file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is charging me for {$21000.00} that I had no idea was done to my account and I told them that I lost my wallet with my card and information and social security card in it, that someone was using my identity and Im am very upset about this situation because it is showing up on my credit report.
Product: Credit card

Dear American Express Customer Service, I hope this letter finds you well. I am writing to demand that you reopen my account immediately due to the adverse actions taken against me, which I believe are illegal and fall under the category of security fraud. 


As a long-standing customer of American Express , I have consistently maintained a positive credit history and fulfilled my financial obligations in a responsible manner. However, I was shocked to receive a notification stating that my account has been closed and my credit usage has been denied. 
" Adverse action is defined in the Equal Credit Opportunity Act and the FCRA to include : a denial or revocation of credit. a refusal to grant credit in the amount or terms requested. a negative change in account terms in connection with an unfavorable review of a consumer 's account 15 USC 1681a ( k ) ( 1 ) '' ftc.gov I firmly believe that these adverse actions are unjustified and in violation of my rights as a consumer. Denying me the right to use my credit without any valid reason or explanation is not only unfair but also potentially damaging to my financial well-being. 

I demand that you reopen my account immediately and reinstate my credit usage privileges. It is imperative that you rectify this situation promptly to avoid any further harm to my creditworthiness and financial stability. 

However, I do understand that I have a past due balance of little over {$5000.00}. I'm prepared to make this payment as soon as I receive notification that my card has been reopened and is ready for use. I'm also requesting that all previous monthly statements be sent out to my address on file. I'm aware that you have already sent these out, but they have been misplaced and for that I apologize. 

Please be advised that failure to comply with this demand may result in legal action being taken to protect my rights as a consumer and seek appropriate remedies for the damages caused. I trust that American Express, as a reputable financial institution, will handle this matter with the utmost seriousness and professionalism. 

I kindly request that you acknowledge receipt of this letter within 5 business days and provide a written response addressing my demands and concerns. I expect a prompt resolution to this issue. 

Thank you for your immediate attention to this matter. I look forward to a favorable resolution and the reinstatement of my account. 

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

I am reviewing my credit report and I see I have an unknown hard inquiry from XX/XX/2019 on my account from " XXXX ''. 

I am completely unfamiliar with this nor did I apply for anything around that time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, this agencies and companies have violated my rights. 
15 U.S. C 1681 section 602A. States I have the right so privacy 15 US C 1611 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9400.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including these again. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX Balance : {$12000.00} US DEPT ED XXXX Balance : {$5000.00} US DEPT ED XXXX Balance : {$6200.00} XXXXXXXX XXXX XXXX Balance : {$9800.00} XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Every 2-3 months for the past two years my TransUnion XXXX score fluctuates by 30-36 points. In the past, I have requested full credit reports, but there is no clear information as to the frequent and large fluctuation. I called TransUnion and the agent said it's because I have no real estate credit -- I've never had real estate credit so this clearly doesn't explain the constant 30-36 point jump from month to month. She also said that it was because the age of my oldest line of credit is too new. My oldest line of credit is more than 15 years old and that account hasn't been close, nor is it reported as closed in my TransUnion account, so this doesn't explain the frequent jump in credit. The only change from month-to-month is credit usage, with is almost always between 0-3 % -- again, doesn't explain the jump. The agent then told me that I need to just order a new credit report because she couldn't explain the factors in my case. She said the company " uses math tools '' to calculate and that why there's a fluctuation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute accounts with Experian, with these accounts. 

1.XXXX  XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX  XXXX 4. XXXX XXXX XXXXXXXX and I have not been successful in deleting it. Experian not compliant with FCRA 605b.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I accepted a pay to delete agreement from XXXX XXXX. I paid the requested amount for the account in full. All three credit bureaus refuse to delete the XXXX account from my credit report, they only updated. I have enclosed a copy of the letter from XXXX XXXX XXXX  ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Why did XXXX XXXX after selling my debt to XXXX   kept reporting it? on the credit bureaus it and my credit score? now they sold it to XXXX XXXX.? 

Why? 
When? 
Who?
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Product: Debt collection

I C System has been reporting that I have an outstanding debt from XXXX XXXX, but I have never had a XXXX account in my name. This has been effecting my credit since XXXX. I looked them up online and have seen countless reports about false reporting and predatory practices.
Product: Credit reporting or other personal consumer reports

I have 3 inquiries and 2 accounts that aren't mine. Under the FRCA these inquiries and accounts are being disputed
Product: Mortgage

My mortgage servicing was transferred XX/XX/2020 to Freedom Mortgage. On XX/XX/XXXX, I was contacted by my current new servicer about an FHA streamline refinance. I explained to the loan officer I was actually interested in a Conventional mortgage loan, I got a call from them the following day and began the process. I was in touch with my loan officer that day and the day after submitting all supporting documents. I submitted absolutely every document necessary.

Days and weeks went by and no response from the loan officer. I called, I left voice messages, I also sent emails all to which I received absolutely no response.

The appraiser contacts me, comes out, and I even get the appraisal report.

Eventually, two months after submitting my application, I get a clear to close. I reach out again. Time after time and to a few different people. Someone finally calls my back but isnt a licensed loan officer, therefore he can not speak with me regarding other options. I express how frustrating it has been to not heard from my loan officer for over two months because I have questions regarding the loans and express I may need to cancel due to the lack of communication. A call from the loan officer is promised.

The loan officer still doesnt call.

I reach out again, days and time after time. I finally get a hold of someone, again I express how frustrating the process has been and ask to be transferred to another loan officer. I am promised a call back.

The following day, I receive a notice of cancelation via email. The processor working on my file, canceled my application without absolutely no consent. I tried calling and no response. I try to escalate the issue and I cant seem to be able to speak to management about the application that was unlawfully canceled on my behalf that I gave absolutely no consent on.

I get a new loan officer to call me this person is wanting to start the process all over again. He is also now offering me a much larger interest rate than what I had locked.

I struggled for months trying to get a hold of my originator. Then, the unlawfully cancel my application without my consent to offer me a much larger rate. I feel violated and scammed.
Product: Credit reporting or other personal consumer reports

Ba

sed on, 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate.. This section requires that if an item is disputed, the credit reporting agency must promptly update the item in accordance with the results of its investigation. I request that you conduct a thorough investigation and update or remove the disputed items as necessary.

15 U.S.C. 1681e ( b ) : This section mandates that a credit reporting agency must follow reasonable procedures to ensure maximum possible accuracy of the information in the consumers credit report. The information currently reported is inaccurate and, therefore, does not comply with this requirement.

Pursuant 15 USC 1681 section 602 A states I have the right to privacy.15 U.S.C . 602 ( a ) : This section obligates credit reporting agencies to use their services for the purpose of credit reporting and to maintain reasonable procedures to ensure that their reports are accurate. The inaccurate entries on my credit report indicate a failure to comply with these procedures.

Pursuant 15 USC 1681 section 604A section 2 : It also states a consumer agency can not furnish accounts without my written instructions I am requesting the original copy of agreement, terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the listed items on the attached document. You are required to do what I am asking and black these transactions from my consumer report within 4 days.
Product: Checking or savings account

Webster Bank HSA managed my XXXX account in XXXX. 
The company I work for selected XXXX  XXXX XXXX to hold the XXXX account. 
Our funds were transfered from Webster to XXXX in XXXX. 

XXXX XXXX claims to have issued a check to our family orthodontist in XXXX in the amount of {$140.00}. 

My son 's last appointment with the orthodontist was in the first half of XXXX. 

In XXXX of XXXX, the orthodontist returned to us a check drawn on Webster Banker that was issued to the orthodonist in XX/XX/XXXX. 

XXXX Bank can't explain why they were holding {$140.00} of our money and their proposed resolution is to simply send us the money, leaving the issue of sorting out the tax consequenses and liabilities to me. 

I believe that Webster has completely failed in their obligation to account for our money and to comply with Federal tax law. 

I am asking the CFPB to request an audit of our account and to compel Webster Bank to deliver the {$140.00} to my active XXXX account holder with all tax records accurately adjusted.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX 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 : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$400.00} XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of XXXX XX/XX/XXXX XXXX XXXX  Date of XXXX XX/XX/XXXX
Product: Credit card

There are items on my credit report that is not correct. I need these items to be removed from my report. I did not apply nor did i live at these addresses listed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX inquires that is on my credit that i did not do. 
factual data 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit bureau and XXXX credit bureau is reporting an inaccurate pay history for XXXX XXXX XXXX stating that I did not pay the month of XX/XX/XXXX. I have attached the pay history that clearly shows that I made a payment of {$140.00} on XX/XX/XXXX. I recall calling the creditor XXXX XXXX XXXX and inquiring why they were reporting no payment made in XX/XX/XXXX when you can clearly see I made a payment on XX/XX/XXXX in the amount of {$140.00} from the payment history. They stated that there was a glitch in their system, that is not my fault and they need to correct my payment history immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am still showing an account on my credit report from XXXX XXXX XXXX that is now owned by Portfolio Recovery associates. This account is more than 10 years old. Furthermore, this account was found to be invalid. The original creditor was XXXX XXXX.
Product: Credit card or prepaid card

I sent a Non-member of PayPal a request to refund {$100.00} I gave her Dad on XXXX/21. PayPal 1st put it on hold on My Member Account, then refused to make funds available for me to transfer to my bank for 21 days. They keep locking me out of my account and now stalling, saying maybe keep trying other things, then I get locked out for 2-3 days more for trying it and following system prompts. " System '' keeps saying Oops, something went wrong. Please help.
Product: Credit card or prepaid card

I received a pre-approved offer from USAA on XX/XX/XXXX for a XXXX XXXX XXXX XXXX XXXX which included a {$200.00} reward bonus after making 12 qualified purchases byXX/XX/XXXX as well as 0 % APR until XX/XX/XXXX. I applied for the card, and after a long and tedious approval process due to errors on their part, I received the card around XXXX. I made the 12 qualified purchases byXX/XX/XXXX, and confirmed as much prior toXX/XX/XXXX. I received an email onXX/XX/XXXX stating the deadline for completing the 12 purchases had been extended toXX/XX/XXXX, all emails from them with this offer stated the {$200.00} cash reward bonus would be credited within 90 days after the end of the promotion. I called in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, andXX/XX/XXXX inquiring why I had not received the {$200.00} cash rewards bonus. I opened several " tickets '' with them, and was finally told inXX/XX/XXXX that several people who took advantage of the promotion had not received the bonus and that it was a " known issue '' that they were working on and did not know when it would be resolved. I tried calling again inXX/XX/XXXX and got the same response. It is now days away fromXX/XX/XXXX, 9 months since the original promotion ended, and I still have not received the {$200.00} nor do I have any indication when the money will be received. USAA has confirmed repeatedly that I am owed this money and that I upheld my responsibilities in order to be eligible to receive it, and I have supporting written documentation from them to prove that. As such, it feels as though I was misled through false advertising along with several others who have not received this money. I have tried contacting them to no avail, including speaking with their executive resolution team, and feel I have no other choice but to involve CFPB.
Product: Checking or savings account

I lost my debit card on XX/XX/2022, I called Robin Hood and was told I will be issued a new card. Beyond a reasonable period for a new card from XXXX days, I do not believe Robin Hood put the request in for a new card due to Robin Hood 's length of inaccurate bold lies and duplicity of information. On Friday, XX/XX/2022 I attempted to use a Touchless ATM as advised by Robin Hood 's employee on the original phone call to request a replacement card. The Touchless ATM did not work because you need a card to use it that I lost the Employee knew this option was not going to work but insisted that it would and I would be fine in withdrawing funds. on the XXXX I message RobinHood for Assistance with outright aloofness I received the most incredible incomprehensible information after waiting for hours Friday Robin Hood says they have XXXX customer support but that never manifested itself here it is XX/XX/2022, and I have yet to receive a call back from Robin Hood that will help in resolving this matter Robin Hood has a pattern Robin Hood has in the past charge me twice for the same transaction on robin hood final statement reporting on the revenue it is made to look that Robinhood had many more transaction than they actually did because the other was fake and they stole money from my account and have yet to return it they use it as a hold then charge you on top of the hold, for example, you have XXXX USD in your account the item cost XXXX USD Robin Hood hold the XXXX USD and say they will release the XXXX USD but turn around and take the XXXX USD leaving you with XXXX USD paying the merchant XXXX USD and pocketing XXXX for themselves when I complain they made all sorts of lies I have yet to get my money back I hope you share with SEC about a publicly traded company before going public cooked the books XXXX
Product: Credit reporting

XX/XX/XXXX XXXX XXXX, FL XXXX SSN : *********** | DOB : XX/XX/XXXX Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 

Account Account Number Provide Physical Verification XXXX Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

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

6 years ago or so I lived in an apt with a elderly Male. When I moved out he kept the XXXX XXXX bill in my name on. Eventually he moved out and eventually returned the box ( which they received ). They charged me XXXX, for the fees of them not receiving the box. It suddenly appeared on my credit report last XXXX or so from collection agency XXXX, I called, disputed it, and it got taken off my credit report, raising my credit score very very much! Suddenly a few months ago it shows back up From a collection agency called CREDENCE RESOURCE MANAGE causing score to drop again!! I have all evidence it was taken off. I need help. I've disputed it twice now to no avail. Thank you for your time. I have screen shots I can send showing it was taken off my credit report, dates, etc
Product: Debt collection

Since late XXXX of 2016, agents calling themselves either XXXX XXXX or XXXX claiming to be representing Admin Recovery ( XXXX ) have been contacting my mother and XXXX of my aunts about my XXXX debt. I 'm confused by these calls because my credit report from XXXX never mentioned any debt or transactions involving XXXX. I also never owned a XXXX any time after XXXX. I am particularly disturbed that XXXX XXXX told my aunt that he knows my parents are living XXXX. I have no idea how he could know this about my family. My family and I all feel that our privacy has been violated. Since these callers have only contact those in my family that are above the age of XXXX but never tried to contact me, I suspect they might be targeting senior citizens. These callers need to stop contacting us.