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

My credit card with XXXX XXXX XXXX XXXX has been removed by Experian which is still open and payments on time credit card issuer : XXXX XXXX XXXX XXXX card name : XXXX XXXX XXXXXXXX Also auto loan account with XXXX XXXX XXXX XXXX has been removed by Experian which is still open here are accounts still open and have been removed from credit report 1. ) account with XXXX XXXX that starts with XXXX has been removed from your credit report. 

2. ) account with XXXX XXXX that starts with XXXX has been removed from your credit report. 

The above 2 accounts have been removed from report but suppose to be open
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX. XXXX XXXX account ending in XXXX, which was charged off. 

XXXX. XXXX XXXX account ending in XXXX, which was also charged off. 

XXXX. Collection account from XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. Collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. Collection account from XXXXXXXX XXXX XXXX XXXX XXXX 

XXXX. Charge off account from XXXX XXXX XXXX XXXX. 

XXXX. Charge off account from XXXXXXXX XXXX XXXX XXXX 

XXXX. Inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

I believe these items are inaccurate and not reported in compliance with the Fair Credit Reporting Act ( FCRA ). As per the FCRA, credit reporting agencies are required to report accurate information and conduct reasonable investigations into any disputed items. 

I am disputing the accuracy of the aforementioned accounts as I have reason to believe that the accounts were not reported accurately. I have never held accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I did not authorize XXXX XXXX to conduct an inquiry into my credit report on the dates mentioned. 

I request that you conduct a thorough investigation of these accounts and remove them from my credit report if they are found to be inaccurate. I also request that you provide me with a free copy of my credit report once the investigation is complete. 

Thank you for your attention to this matter. 

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

I sent XXXX, XXXX and Equifax 4 letters disputing the following items on my credit. I wanted them to provide me with documentation that these items belonged to me. Each credit reporting agency did not provide documentation of proof the items belong to me. They either stated they were updated, or had no change at all. The items are to be deleted is you can not verify the authenticity of them.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I appreciate any assistance you can give me.

Thank you!
Product: Debt collection

XXXX, XXXX have a collection agency for XXXX XXXXCONTRACT CALLERS INC Original balance {$150.00} Status Unpaid Account number XXXX Agency number XXXX Original creditor XXXX XXXX XXXX  Date assigned XX/XX/year> This is not my bill. We qualified for Covid Assistance. We left the apartment with rent paid and bills paid. The apartment complex kept my deposit.
Product: Mortgage

On XX/XX/23 I requested information on a HELOC through XXXX, indicating my desired loan amount, credit score of approximately XXXX, and state of the house. This lead me to their approved partner, New American Funding, indicating that the could fulfill my request. Immediately following submitting my information, I received a phone call from their business, in which I was asked a few questions, I restated that I was looking for HELOC, the amount, my credit score of approximately XXXX, and other personal information. At this point they requested that I submit a full credit application for a hard inquiry. I had already stated both in writing and verbally that my credit score was approximately XXXX, which after the full credit inquiry, was determined to be accurate by averaging the 3 bureaus. However at that point, they stated they would not be able to provide a HELOC as my score was lower than the allowed minimum of XXXX for that financial product, but they were able to provide me with a refinance for my mortgage. At several points I had confirmed not only that my credit score, but also that I was not interested in a refinance, only a HELOC. This constitutes several counts of fraud to obtain my personal and financial information under false pretenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to get old address removed in lieu of recent issue with an address that wasnt mine. Would only like to have current address showing on XXXX, Equifax, credit report. Please remove all former addresses.
Product: Credit card

I made two payments XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Was told by 3 different reps it was on HOLD and will be released on a later date due to a return payment I had made on XXXX. 
The first payment they said would be released XX/XX/XXXX and 2nd payment XXXX. I called back today m XXXXXXXX and they stated both have been released however my balance on my credit card remains the same. 
I spoke with these reps XXXX XXXX XXXX XXXX XXXX XXXX And several other reps via chat on XX/XX/XXXX, XX/XX/XXXX all the while my payment was on hold and my balance remained the same now that the payment is released the balance did not go down.

I am sending a letter of complaint to the company today to dispute payment not being posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing negative items with the three major credit bureaus for over a year now and have yet to receive any results. XXXX, Equifax, or XXXX  have yet to provide me with any answers and I have erroneous items on my credit. So far, I have seen no progress nor have the bureaus been of any help. How is it possible that after over a year of disputes, they haven't received a single complaint of mine? There are serious inaccurate items reporting that must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOME UNAUTHORIZED INQUIRIES ARE ON MY CONSUMER REPORTS THEY ARE UNLAWFULLY BEING REPORTING. 

15 USC 1681N ANY PERSON WHO WILLFULLY FAILS TO COMPLY WITH ANY REQUIREMENT IMPOSED UNDER THIS SUBCHAPTER WITH RESPECT TO ANY CONSUMER IS LIABLE TO THAT CONSUMER IN AN AMOUNT EQUAL TO THE SUM.
Product: Credit card

I used a XXXX gift card to make a purchase at XXXX on XXXX XXXX, 2014. I maximized the value of the card, so I discarded it. On XXXX XXXX, I returned the merchandise to the vendor and a credit was issued to the gift card in the amount of {$39.00}. I contacted XXXX to find out how to get the credit and have been given the run around. XXXX, I was told to submit the first XXXX digits of the gift card number and the tracking number to the issuing bank. I got the numbers from the vendor and submitted tehinformation to US Bank National Association. I contacted XXXX again and was told to fax a copy of my return item receipt, my XXXX and XXXX name, telephone number, mailing address and email address to teh XXXX and XXXX Unit at XXXX. I faxed this information on XXXX XXXX, 2014. As of date, i have not received any credit or response from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX have violated my rights.

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 an account without my written instructions
Product: Debt collection

I received a traffic ticket back in XXXX, due to the person who owned the vehicle didn't the renew tabs on car. I didn't pay anything on it until XXXX. The collection agency, Alliance One, sent me a garnishment letter in the mail, 2 years after I made the payment. I told them that I lost my job due to Covid-19, and I was receiving unemployment benefits. They basically ignored what I said, and told me that If i didn't make payments each month, I would lose my license. I also make less then {$470.00} a week while on unemployment. Almost every time I call in to make a payment, I try to tell them that they are outside of their legal rights, and they can't charge me. They refuse to listen to me, and continue to charge me an amount that I can not afford right now.
Product: Mortgage

My husband and I bought a home XXXX of 2018. One year later he passed and I have been struggling ever since to pay the mortgage, since my only income is from social security. I have tried several times to refinance but have been told I don't have enough income because of a car payment. I have since gotten rid of my car and decided to try again. On XX/XX/XXXX I spoke to XXXX at Rocket Mtg. He told me I could qualify for a refinance with no closing costs. My problem is my current mortgage payoff is {$110000.00} at $ XXXX/month with a rate of 4.625 %. The mortgage Rocket gave me came to $ XXXX.at $ XXXXmonth with a rate of 2.99 %. To me, that is an {$8000.00} finance charge, for what? I don't think it's worth doing to save $ XXXXmonth and I certainly wasn't informed that there were fees of {$8000.00} that would make my new mortgage payoff be so much higher then originally. I feel as though I am being taken advantage of, since no one explained the whole process to me while I went through the application on line while speaking to an agent on the phone. I feel like everything was done very quickly and I didn't have a chance to ask any questions. Someone told me that if I cancel the mortgage, I have not sent them any documents so far, only what they obtained from my credit report. I would be responsible to pay costs to them which I really can't afford. Please help, I don't know what I should do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a US citizen currently XXXX XXXX and am unable to access my credit report. It's come to my attention there are medical bills in collections from a car accident where I was not at fault and the medical care providers failed to bill the Personal Injury Protection policy provided. 

This is adversely impacting my credit score which was EXCELLENT a year ago. I am not returning to the US any time soon and need to access my information. If I am able to provide my identifying information, there is NO GOOD REASON I should be prevented from accessing information I am legally entitled to as a US citizen. 

Please advise immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Mortgage

Following up on my original complaint # XXXX, which Mr. Cooper failed to address and which the CFPB merely closed with no resolution .... 

Mr. Cooper continues to refuse to make any accommodation on our mortgage. We are currently in the short sale program, which Mr. Cooper insists must be run through XXXX. This appears to be a delay tactic rather than a solution. 

Mr. Cooper continues to ask for the same documents that we have sent them more then 6 times in the last year and is utterly refusing to consider numerous short sale offers that would resolve this debt. 

I am attaching an example of the correspondence between Mr. Cooper and myself ( the borrower ) showing their utter inability or unwillingness to process a short sale request. They have ignored ongoing inquiries and offers submitted by my realtor. 

They failed to address the deed in lieu I requested beginning in 2019 and due to Mr. Cooper 's delays, the USDA has rejected the deed in lieu solution for not being timely requested, despite the fact that I requested it in time. Mr. Cooper ignored my requests until the request was no longer timely. 

Now they are refusing to process short sale offers, by recycling the same questions and requests over and over again through a never-ending cycle of hiding behind underwriting as an excuse not to consider reasonable offers on the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXXr PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, 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. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. 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 XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$840.00} DPT EDXXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last year, I have been hard at work paying off or down ALL OF MY DEBT! 

I got offer for a couple of New Cards ( XXXX XXXX XXXX XXXX ) with better interest rates and higher credit Limits, so I opened them. Have used them and paid the balances in total monthly. Most all of my other cards now have Zero Balances. I believe I have a {$6000.00} debt on credit cards for which I have over {$100000.00} credit available. 

All of my other payments, mortgage, car loans and personal loans show excellent payment history. 

My credit score has dropped drastically from ( Excellent to now only Good ) over the last couple of months with absolutely NO apparent reason. This is with ALL 3 major agencies. 

I have recieved no explanation for this and find it extremely frustration.
Product: Money transfer, virtual currency, or money service

Hello, I am submitting this request with the hopes that a balance transfer will finally be deducted from my Citi bank account. 

On XX/XX/XXXX, I requested a balance transfer from my Citi credit card account to my XXXX credit card account in the amount of {$3600.00} ( image attached ). The amount was automatically added to my XXXX balance. I was told by XXXX that the amount would be deducted from my Citi account within 7-10 business days. 

After 10 business days, the amount had not been deducted from my Citi account. I contacted XXXX and was advised that I should wait 14 days. The amount still had not been deducted from my Citi account 14 business days after I originally requested the balance transfer. I contacted XXXX again and was told to wait 30 business days. On or about XX/XX/XXXX, ( 30 business days after the initial balance transfer request, factoring in winter holidays ), the balance was still not deducted from Citi, so I contacted XXXX. XXXX initiated an investigation ( I can provide the investigation number, if necessary. ). 

Upon completion of the investigation, XXXX informed me that they had mailed Citi a check for {$3600.00} and Citi had cashed the check on XX/XX/XXXX. XXXX advised me to contact Citi. I contacted Citi bank and advised them of the situation. Citi informed me that they had not received any funds from XXXX for my account. 

I contacted XXXX and was informed that they would mail me a copy of the cashed check. They told me to expect the check within 14 business days. I did not receive the check and contacted XXXX on XX/XX/XXXX ( images attached ) to inquire about the whereabouts of the check. XXXX informed me that the check was not mailed because XXXX advised me on XX/XX/XXXX, that Citi could not identify the proper account number for the balance transfer. XXXX also, allegedly, told me on XXXX XXXX to contact Citi, so it could verify the correct account number and apply payment. I was never advised of this XXXX XXXX information before XX/XX/XXXX. In the mean time, the XXXX employee opened another investigation ( I can provide the investigation number, if necessary ) to request ( again ) that a copy of the check be mailed. 

A copy of the cashed check was mailed on XX/XX/XXXX and I received it within 14 business days ( image attached ). After receiving the check, I immediately went to contact Citi bank. By this time, the coronavirus was widespread. Citi was experiencing high-volume on their chat line, so I took advantage of the option to leave my email address. I never heard back from Citi. 

At this point, I can not get in contact with Citi bank to show them the copy of the check that they cashed, or to inquire about the inaccurate account number. The balance transfer amount has never been deducted from my Citi account. 

This is not the first time I have had issues with Citi bank I submitted a complaint earlier in XXXX because Citi refused to reimburse me for unauthorized charges on my account. I am submitting this complaint in order to have the {$3600.00} deducted from my Citi account. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon investigating the potential of my personal information, my identity itself, of being exposed to the recent Equifax breach it was indicated that my information was indeed placed at risk by the breach. I did not feel comfortable signing up for a repair service offered by the very company that allowed the breach to take place and am leery about the terms of agreement regarding this service potential to smuggle agreement of non-action against Equifax. I feel this concern is warranted considering the potential unethical dumping of company stock shortly before the announcement of the breach a full month after the breach actually occurred.
Product: Money transfer, virtual currency, or money service

I purchased tickets through XXXX post to a XXXX user XXXX XXXX email address XXXX. The transaction took place on XX/XX/XXXX at XXXX. I used my XXXX account that was linked to Zelle. I sent {$130.00} for 3 tickets. The seller has since vanished. XXXX XXXX has said they will not offer fraud protection on this bank backed payment app.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account is being listed on my credit reports from Discover Bank. 
Account Number XXXX. I never had this account and after numerous attemps of disputing the item, The Discover Card Company is refusing to remove the account. I have filed police reports about the identity theft and filed a complaint with the FederalTrade Commission but the XXXX  and XXXX  Companies are refusing to remove the fraudulent account stating the account is verified from the Data furnisher from The Discover Bank. I wrote Discover Bank for validation of the account and they refuse to send anything stating that this account can not be found. I want the credit reporting agencies to remove the fraudulent account or list it as a fraudulent account. 
Discover Bank XXXX XXXX XXXX XXXX, DE XXXX. Is the address that XXXX  says the data is being reported from.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Capital One removed a fraud account that did not belong to me last year when it was discovered during a routine security background check. I work in the XXXX XXXX and it was discovered that while I was working in XXXX and XXXX, somebody had opened a XXXX XXXX account with my details without my knowledge or consent. They also removed the account from my credit listed by XXXX XXXX, who they had referred the fraud account to. 

On XX/XX/XXXX, XXXX XXXX and XXXX began collections against me again illegally, and began reporting the fraud account against me illegally again. This is slander and XXXX. I gave them proof I was out of the country and I never opened the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has viloated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C1681c. ( 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate