23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX The total purchase was something. Around {$240.00} and the cashier said she wants to give me 10 % off and I need to get the credit card. I told her that no, I dont want a new credit card because I already have a couple and I dont want my credit to be run. The cashier replied that she wont run my credit and I need to put a wrong SSN so the system will avoid running my credit and she still can give me 10 % off. I made sure by asking again and she replied again with the same certainty that my credit will not be run. Now Im seeing through my bank application credit score tab that my credit was run. This is fraud and I dont want any credit card. I even told the cashier that its ok I dont want 10 % off because it wont be much but just {$23.00}. She said she will give me 20 % but now Im Looking at the receipt, she didnt even give me that as well.
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint regarding the numerous and unsuccessful attempts I have made to correct late open accounts and remove a public record from my credit report. These inaccuracies are severely impacting my financial well-being, and I am seeking your immediate assistance to rectify this matter.

I discovered that my credit report issued by Credit Bureaus contained multiple late open accounts that inaccurately portray my credit history. I have consistently made on-time payments, and these accounts should not be marked as late. Despite several attempts to have this issue corrected, it remains unresolved.

Furthermore, there is a public record entry on my credit report that is damaging my creditworthiness. I have no knowledge of this public record, and it is adversely affecting my ability to secure credit and financial opportunities.

I kindly request that you take the following actions to address this issue : Conduct a comprehensive review of the late open accounts and correct their status to accurately reflect my on-time payment history.

Investigate the origin of the public record entry and remove it from my credit report if it is found to be inaccurate or fraudulent.

Provide me with written confirmation once the late open accounts have been corrected and the public record has been removed from my credit report.

Ensure that no further negative impacts occur on my credit report due to these issues.

I understand the importance of maintaining accurate credit reporting and the impact it has on my financial future. I trust that Credit Bureaus takes these matters seriously and will work diligently to rectify this situation as promptly as possible.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these issues are not resolved to my satisfaction within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your immediate assistance to correct or remove the late open accounts and public record : XXXX XXXX XXXX Balance Owed : {$2100.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Credit reporting or other personal consumer reports

There are two credit reporting agencies ; Equifax and XXXX who have failed in their grave responsibility to uphold the consumer 's right to privacy. These agencies ' careless and unlawful business practices have resulted in data breaches, and I personally have been affected by such malpractice. A fraudulent account has been opened in my name, adversely affecting my ability to utilize my consumer credit. I have already submitted an FTC Identity Theft Report and disputed the account with the companies multiple times, only to receive frivolous boilerplate responses in return that are off-point and do not address the nature of their mistakes. While Equifax has done the fair and equitable thing in deleting the account from my report, they have not properly and justly compensated me for the violation ( under 15 USC 6801 ; breach of privacy ). Seeing that the account is no longer reporting on Equifax due to its inaccuracy, XXXX should now follow suit and remove the account, and compensate me {$1000.00} for each violation of the FCRA. Another violation that I am to be compensated for is the fact that I didn't receive any request for permission to furnish such information. As I have stated I haven't had access to my consumer credit and have been denied countless home loans, apartment leases, and rental properties. As a result, I am currently homeless with a wife and child. At the time the charge-off hit my account I was applying for a {$500000.00} loan and the law states that as actual damage that I must be compensated for. 

Equifax Data Breach claim number : XXXX
Product: Debt collection

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this CLLCN BUREAU OF THE HU ( Original Creditor : XXXX XXXX XXXX XXXX ) was reporting to be negative on XXXX Credit Bureau. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Mortgage

Loan Depot experience a cyber attack in XXXX. No payments on loans were possible or a status checking was possible on their website. I called to make the payment on XXXX mortgages. They made the payment on XXXX of the XXXX and failed to make the payment on the third was XXXX XXXX that XXXX more days to contact me if there was any issue with the payment, instead they didnt contact me and I only found out when my credit report was damaged and I was unable to purchase goods. They are refusing to the report even though they know that I called and made the payments.
Product: Credit card

I am attaching a statement, but the short version is Citibank denied my credit increase based on an exisiting Payment Arrangement program - that they say I am enrolled in. However, they have no proof of that, and in fact XXXX of the staff that I spoke with agreed that I am not in any program and that my card is in good standing. After speaking with different staff at Citibank - I was told that " I must have had a debt charged off with Citibank, sometime in the past 36 months. '' However, they have no information about this, no dates, no amounts, nothing and they also will not provide me this in writing.
Product: Credit card

I opened a dispute for items i bought and returned I provided Wells Fargo everything they wanted Including my tracking # for the return And Wells Fargo will not give me my money
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my XXXX XXXX  accounts went into LATE payment due to an issue with autopay with the bank and XXXX XXXX. Before I left for XXXX, I made sure AutoPay was on. I'm not sure what happened but my Autopay did not go through. So for two months, My accounts were not paid. I had a friend to call XXXX XXXX  to fix the issue once I realize all my accounts were late. I called comenity bank and told them the bank said it was an issue. I had many returned checks because of this. XXXX XXXX said it was the bank fault and not theirs. 

I asked XXXX XXXX  to please remove the late fee 's since we see it was an error and I was away on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

( XXXX true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also i was a victim of the XXXX Equifax data breach several accounts on my credit report are not mine listed XXXX  Report Number : XXXX XXXX File Number : XXXX Equifax Report Confirmation # XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX xxxxxx XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XXXX XXXX {$36.00} XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information thank you so much and be safe out there wear a mask stay at home
Product: Debt collection

Mid West Recovery Systems has attempted to collect a debt which should have been paid by my former employer 's worker 's compensation insurance company- XXXX XXXX XXXX XXXX XXXX XXXX . The company which Mid West Recovery Systems is  representing, XXXX XXXX, has been provided with the proper Worker 's compensation Insurance information. They should not continue to report the information to the credit reporting agencies. They are currently in the process of recovering the debt. 

The debt in question was a result of workplace injury- a workman 's compensation claim. My former employer 's insurance company should have paid for the debt. They claim they never received a bill from XXXX XXXX. XXXX XXXX has since sought payment through XXXX XXXX  XXXX XXXX XXXX. Prior to damaging my credit, XXXX XXXX never attempted to contact me, or my former employer before reporting the debt to the credit reporting agencies. 

My credit score has decreased by 50 points since the collections account was reported. I believe it is unfair that my credit should be damaged simply because large corporations cant communicate more effectively. I was also never notified of the outstanding debt prior to it going to the debt collector.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, while reviewing my credit report, I noticed several inaccuracies. As stipulated by the Fair Credit Reporting Act, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information in a consumer report. However, the following accounts on my report are neither complete nor accurate. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I'd like to point out that under 15 USC 1681s-2 , it is prohibited for any person to furnish information to a consumer reporting agency if they know or deliberately avoid knowing that the information is inaccurate. 

Please see the attached documents for further details.
Product: Debt collection

I would like to bring attention to the illegal activity that LTD Financial Services is doing. I had spoken with rep XX/XX/XXXX about a settlement. She was very extremely rude. I wanted to know why my parents had been called, especially since I have not spoken with them in over 8 years. I asked what skip tracing tool was used to locate this information. She refused to tell me so I could give follow up with my concern with the skip tracing company. Either way I requested that all number but my number XXXX be removed. Then I offered a settle on the account to close it out at that time of {$200.00} right then over the phone. This card was impossible to make payments on. I could never log on online and I could never reach anyone over the phone to make a payment. I also never got any statements from them. If I was able to make any payments on this I would have. It was n't possible. It is n't like I did n't try. I left {$200.00} was a good amount and a fair amount due to the trouble. When she refused the settlement I asked for a cease and desist on the account. I also wanted a fax number to fax in a cease and desist. On XX/XX/XXXX I faxed in a Cease and Desist to XXXX with my account number on it of XXXX. A week later a received a letter in the mail from LTD for a settlement amount. I had also continued to receive several from that point on. Today XXXX/XXXX/2016 I finally answered when LTD called from XXXX. I spoke with XXXX XXXX ext XXXX. I advised him that I was under a cease and desist. He claimed LTD never received anything. I once again advised I wanted a cease and desist on the account and he stated he put it in for me and also gave me the same fax number as before. I will be faxing another cease and desist over again tomorrow. I also asked if they still would decline the settlement offer that I offered and he asked how much. I said {$200.00} today to close it out. He basically just laughed at me. Not very professional, but I understand the type of industry, it 's rough. Either way concern is that this company is illegally contacting people when they have cease and desists on account. They need to be held responsible for their actions.
Product: Mortgage

I applied for a loan modification for a loan that I have with Bank of America that I originally was obtained through Bank of America. I started this process in XXXX 2015. I finally was sent to underwriting and was declined ( of course ) on XXXX XXXX, 2015. I filed an appeal on XXXX XXXX, 2015, but only received letters and correspondence stating " We require additional processing time to review your appeal ''. When I contacted the author of the letter today, XXXX XXXX, he told me that it was past the appeal processing time as I had not submitted the supporting documentation. He gave me conflicting information as to was I was denied my modification and the appeal. I was initially told that I made too much money for this modification. Today I was told I did not make enough money. I questioned further and this supposed calculation was without the requested loan modification. He said I did not send in supporting documentation, but I have not been asked to submit supporting documentation. This process has become so convoluted, that each " Home Loan Team member '' does not know what each other has been doing and I believe that Bank of America has been making this process so difficult in order to make it impossible for me to keep my property. I can not get a lower interest rate for this loan and now I have been told that I can not get a loan modification. This loan was originated by Countrywide Home Loans and I believe that this was a predatory loan. I have contacted the funding company, who is Bank XXXX XXXX which this was never disclosed to me XXXX. It appears that Bank of America would rather keep the extra {$500.00} per month that I believe I am entitled to in order to keep my property. This loan was funded before interest rates decreased : 7.12 % and I have been trying for years to refinance and now modify without success and have been given numerous reasons during these processes. I do not want to lose this property and have done everything that I can to keep up on the payments. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several complaints to the CFPB about a debt that is not mine. The collection company response yes it is is not proof it verification. Sending a copy of a statement showing someone charged XXXX  account I nothing more than proof of fraud. I have asked for proof this is my debt. Thy cant provide it because it is not. Saying company responded claim closed is not adequate. referring to FTC does nothing to remove unverifiable debt collection by portfolio recovery associates. Saying you cant find them is another valid  reason to remove these collections. How can I be reported by a company that does not exist?
Product: Credit reporting or other personal consumer reports

XX/XX/year> Experian continues monthly to provide inaccurate, non compliance willful fraud against myself and my credit by providing closed accounts and charge offs from XXXX XXXX and XXXX as recent closings and charge offs. Every month my credit score is being affected directly as a result of their willful fraud in noncompliance to provide accurate, just, and fair information regarding my credit. 

Today I signed into my Experian account to opt out on some of their updated policy changes only to find out that Experian is continuing to report closed accounts as late payment accounts on my credit report as missed payments. This is not fair inaccurate credit reporting which is pulling down my credit score even more. According to the FCRA 15 U.S.C.Sections 1681-1681x accurate credit transactions ( including closed accounts ) should not be placed in my credit account as late payments when the account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit report pulled at a dealership for a vehicle loan and there are 5 individual hard inquiries with different dates listed on my credit report now. I authorized the dealership to run it once in order to find a good loan. Im concerned with identity theft since my credit was run on two separate dates. I have one hard inquiry from XXXX XXXX on XX/XX/XXXX and another on XX/XX/XXXX even though I only authorized my credit to be pulled by the dealership on XX/XX/XXXX. XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX are the other hard credit inquiries on XX/XX/XXXX. I was under the impression that the dealership running a hard inquiry for a car loan would only count as a single hard inquiry since it was done on the same day for the same purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I received a message from an acquaintance that they received a CashApp request for {$100.00} from me. I do not have this person 's CashApp information nor would I ever request money from them. They then sent me a screenshot of the account information and the profile picture is a picture of me but, the CashApp name is different from the one I use. I do not have any access to the account they showed me nor did I create it. I contacted CashApp the next day and then again on XX/XX/2020 in an attempt to report and close the fraudulent account. Not only did they refuse to do so but, they claimed they could not provide me any information regarding the account. They wouldn't even so much as look into the matter for me to verify that it was legitimate. I then sent a dispute letter via IdentityTheft.gov 53 days ago from today and have yet to hear back from them. I really want this resolved and do not know what else to do at this point. CashApp has no Customer Service or proper process for handling such matters. They do not even appear to care at all.
Product: Debt collection

Enclosed is a letter with information that I sent to a collections company that was and is looking to collect a fraudulent loan that is fraud, bad faith, and done with a modus operandi that violates regular rules of collections and finance law. See letter below that was sent to Finance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems  has not provided any new details into their " Investigations '' they allegedly conduct. They have not resolved anything and honestly i have tried to resolve things with them. As a company that violates numerous FCRA laws put in place to protect consumers of identity fraud. They should be investigated. Chexsystems has not provided any documents supporting their " investigations '' they always demand i go to a law enforcement officer and get them to sign my FTC Report. When i went to my local police station, and they stated that the FTC report does not have to be signed. They normally do not sign FTC reports and stated that the FTC reports these to the police and attorneys, and justice system via the Sentenial network system. I told the police officer that ChexSystems violates my rights as a consumer and all laws put in place for consumers. I stated that they do so by adding fraudulent addresses to my chexsystem report, and by continuing to place these inquiries on my report, even AFTER being notified now over 6 times of fraud that has occurred. Chexsystems has not once sent me any mail, any documentation into their fake investigations. I have provided them with my LEGAL FTC DOCUMENT PROVIDING proof of Identity Fraud, i have signed this document. I am now demanding chexsystems block these inquiries i have already notified you that were fraudulent. I have not ever lived at XXXX XXXX XXXX in XXXX, TX i have not ever lived at XXXX XXXX XXXX, XXXX XXXX XXXX At all, These addresses are again fraudulent and linked to these inquiries that's why chexsystems refuses to block them. FCRA places laws in place if you are a victim of identity theft and you have notified the company that you are requesting to block the fraudulent information and have provided them a copy of your FTC Identity theft affidavit they then must block the information. It does not say they can dispute the information, as i notified them of fraud. It does not say they can lie and continue to commit fraud themselves as they are placing the information on there. I wouldn't have a doubt that someone inside chexsystems is actually behind the fraud since they refuse to ever provide any resolution. I will continue to file complaints with every single government organization i can until this fraud is removed from my report. You are dragging my consumer score down because of your fraud. Additionally they stated they verified XXXX XXXX which looks like some kind of company that does inquiries for all of these " Payday loan places '' My Credit scores are over 700, it makes no logical sense that i would have ever i mean EVER applied for any PAYDAY place when i can obtain prime rates. So again your evidence is actually false. I did not authorize any XXXX services to obtain my consumer report. I did not grant XXXX, or " XXXX XXXX '' or XXXX XXXX access to my ChexSystems report. Additionally i did not authorize XXXX XXXX XXXX. In fact they contacted me advising me there was a fraud alert and i told them i never applied for any accounts with them.