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

I have had credit karma for months maybe even years and they constantly mention that I am pre-approved for numerous of bank credit cards. Every time I have tried to apply for one, I am always denied. 

Credit karma has given me false hope into helping make my life better for quite some time now & I think its not fair to fill thousands of users with false pre-approved card applications and many not having any luck. 

Its been such a huge issue that a article was published, about credit karma agreeing to pay users XXXX XXXX who were affected with this issue because of a complaint made to FTC. 

Now that I see that I wasnt the only one and that its been going on for so long. I want to fight against Credit Karma and receive the help I been prolonged for.
Product: Checking or savings account

I am a TD Bank costumer and I recently had my account sabotaged by Cyber hacking if you want to call it that. I experienced someone using my banking information and identity to attempt three transactions in efforts to get sums of money from my account. When I discovered this called XXXX XXXX the source that notified me via email for verification. Spoke to XXXX operator # XXXX, who informed me of the attempt and what I needed to do .My TD bank on the other hand, approved the transaction for XXXX their third attempt but declined payment for the first two. However I do business on the Applications for XXXX XXXX and also for TD Bank. Who is responsible for my breach of personal information. I authenticate myself with my fingerprint, felt I was safe. I called TD bank immediately. I spoke to XXXX at around XXXX  XX/XX/XXXX17, inquired about transactions. To my surprise my card was still open. TD bank did n't feel there was a threat and I was at risk this whole time after the incident until I called in to the bank and advised I did n't make those transactions. I requested to speak to a Supervisor and was put on hold for extended long periods of time. Calling again and again for the remainder of that day Monday into Tuesday. I called again the next morning requested to speak to some in the fraud department. Spoke to a woman who told me the best thing I could do is get a new card. Question " what about the information someone has out there of me, whose helping to stop these crimes against us. I was then told to get a Lawyer. I then went to the bank to get a new card hoping to get some answers I was then told the computer system did n't pick it up as Fraud because I use XXXX XXXX But no one verified my memo on my account, and my card was still open. It seems I could n't be too careful making calls to notify my Bank the amounts sending monthly XXXX  to mother to pay Health insurance. I feel not taken seriously as a honest consumer and tax payer. TD Bank did not protect me I was unable to talk to a live person on Sunday XX/XX/XXXX/17 after XXXX. I want other people to know th applications are not safe. these phishing people go through them even XXXX XXXX accounts. I have done research on my own and I cant believe no one shared the heightened XXXX XXXX XXXX of XXXX 2017 over 676,000 reports in New Jersey alone. And I 'm treated like noting happened because I 'm not out of the money. The police even told me we do n't usually do anything. But XXXX XXXX gave me a number for the police to call to get further information from their fraud division and the officer refused to take, dais " we do n't do that they usually call us '' I need help and to know what to do moving forward.
Sincerely XXXX XXXX
Product: Debt collection

I received a correspondence from AMCA dated XXXX/XXXX/XXXX stating that I owe their company. On XXXX/XXXX/XXXX, I sent them a letter requesting that they validate the alleged debt. On XXXX/XXXX/XXXX, I received a bill from XXXX and my letter back from them, which are absolutely not debt validation as I requested, and they also violated the XXXX laws. That is unacceptable.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} 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 Balance Owed : {$17000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Owed XXXX {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have screen shots available of my call log. 

My auto payment from Citi didn't process due to account funds ; within less than a week of this occurring, they started the non-stop calling for ~ {$160.00} payment. As of Monday, XXXX, I made the payment online today for the past due plus the current payment to bring my account current. 

All times in MST, as I live in XXXX  XXXX, XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My address is inaccurate. I only live at XXXX address have live there years and I only have XXXX name I use. There is no other name. My job is incorrect as well. 

All my personal information needs to be corrected and updated on a XXXX bureaus. XXXX, Equifax, and XXXX.
Product: Mortgage

Cross country Mortgage does not communicate on escrow. 

I received a bill in Mid XXXX to and the payment went up from {$2600.00} to {$3100.00}. I called several times about why the payment went up so dramatically. They kept on explaining that it was due to taxes. So I looked at the taxes and noticed that the homestead exemption was not been issued. I did so in early XXXX and thought the issue would be resolved. But the credit was only {$350.00} a year. So I called again and they told me to do an analysis by email. I submitted the analysis still not change. Finally spoke with a supervisor and he noticed that there was a forced placed insurance that was added in XXXX going all the way back to XXXX. I closed on the house in XX/XX/XXXX. 

By law you have to pay your insurance for 1 year in advance in order to receive closing documents. I was not giving any notice that there was a forced placed insurance added nor did they ask for me to proof that I had insurance. Very upset because my XXXX payment
Product: Debt collection

Hi, I was contacted my XXXX with United Collection Bureau Incorporated for a medical bill that my husband owes - I do not owe this - and they keep harassing me. Futhermore, this is a debt he doesn't owe because we were told that our insurance company would cover it for my XXXX XXXX  XXXX XXXX. We paid money up front for this and I am being harrassed. I told these people at least twice, this is my husband 's debt and to not call me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DEPTEDXXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DEPTEDXXXX XXXX  XXXX XXXX. XXXX   XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DEPTEDXXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent Formal Dispute : Request for Immediate Deletion of Inaccurate Information To Whom It May Concern, I am writing to formally dispute the inaccurate information that has been reported on my credit file by your agency. This letter serves as a formal complaint against the reporting of erroneous late payments associated with my XXXX XXXX  account XXXX Account Number : XXXX ). 
The specific inaccuracies include : XXXX and XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Equifax : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
These late payments have been wrongly attributed to my account and are causing significant and unjust damage to my credit score. Despite my attempts to resolve this matter directly with XXXX XXXX  XXXX they have failed to respond within the legally mandated 30-day period as required by 15 USC 1681i ( a ) ( 1 ) ( A ), which governs the procedures for the reinvestigation of disputed information. Their failure to comply with federal law in this regard has forced me to escalate this matter directly to you. 
As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies like yours must ensure the maximum possible accuracy of the information contained in my credit report ( 15 USC 1681e ( b ) ). By continuing to report this incorrect information, you are not only violating my rights under the FCRA but also contributing to the ongoing harm to my creditworthiness.
Product: Checking or savings account

The charge was from a company that I had found was from another company and one that I even told customer support in a phone call that I did not authorize and they denied the claim twice and sent an email with all the information of the investigation which had no reason and no information as to why it was denied even though I told customer service I did not authorize it nor did I recognize the service.
Product: Credit card

I made XXXX payments to Synchrony Belk Credit Card in XXXX, not realizing XXXX of them did not post for XXXX payment. I kept receiving phone calls from XXXX. XXXX yesterday ( XXXX/XXXX/2015 and XXXX today. I called the number and it was Synchrony bank for Belk. I explained my situation and hey credited my account. But seriously, 3 times in one day is enough, XXXX is ridiculous. I work in an office environment and while my phone is on vibrate it still disturbs others. If this is Synchrony banks process they need to be informed of the consumers rights.
Product: Payday loan, title loan, or personal loan

I got a personal Loan for {$500.00} was able to cash it as a Check, and have been making my Payments each Month, and Oportun takes my payment directly from my Bank account. Last Months payment was returned because my Bank made the mistake of returning a payment, I immediately called the bank and told them to Not return my payment cause I didn't want my payment to be late, and too also not get penalized for any late payments, my Bank couldn't do much, therefore I decided to call Oportun and make my payment with another bank account information, and I asked them if I was still on time, if there were gon na be any issues or late payments or maybe any fee that I was going to get charged for the situation with the Bank, and they said that I was still on time to make my payment and I didn't had to pay any fee what so ever. I was content that everything had been resolved. Later on, a Week or so later, I received a call from an unknown number, They were asking for me, and I kept asking the person who He was, like what Company or something, They never answered anything, sounded like a Scam, and hung up on me. That same day, I received a call, and I kept asking who they were and on the 5th time that I continued to ask who they were, the Lady said, Were from Oportun, and told me that I owed then {$15.00} for a Bank return Fee, I explained to them what had happened and Mentioned to them, that I was never told that such fee was gon na be made, and that my payment was on time, and it was an error the Bank had made, and I didn't consider such fee to be charged since it was Never mentioned in any way, and now 15 days later Im getting notice of this. I explained to them that the same situation had happened with another Company, and my payment got returned and they were able to remove those fees since they didn't apply and I had made my payment before the due date, its a fee that the system generates but they were able to remove it from my account and everything was good. After the whole explanation, the Oportun Representative said that I needed to review my contract and I needed to pay that {$15.00} fee. At this point Ive spoken to approximately 3 Representatives and they all blame the Bank, they don't want to remove the fee what so ever, and they are being very unreasonable with me as their Client, I have never experienced such poor customer service, and Ive experienced this type of situation before, and they are always so nice about removing any Penalty fees or any fee being charged into my account, since they can see I am a responsible Customer. Please help me out with this Company, I feel very unhappy about the whole thing. Thank You.
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. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, Account name : XXXX XXXX XXXX ( original XXXXXXXX XXXX XXXX XXXX XXXX Account name : I C SYSTEMS ( original creditor : XXXX XXXX XXXX  ), Account name : XXXX XXXX ( original creditor : XXXX XXXX XXXX ), Account name : XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Money transfer, virtual currency, or money service

MY our case XXXX. My account has been limited on XXXX XXXX,2017 and I have {$850.00} in there. I was told that my funds will be on hold for 180 days and I will be able to withdraw then. Please release my funds its been 180 days since I 've been waiting
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX .... Balance : - XXXX XXXXXXXX XXXX. XXXX : - XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX : {$870.00} XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED. I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Debt collection

I received several emails and phone calls from a company called " McCathy, Burgess & Wolff ( MB & W ) - A debt collector who is misleading individuals so they believe that they are receiving a notice from an attorney. 

The above company claims that I owe {$440.00} to " The XXXX XXXX XXXX '' In return, I sent them multiple Cease & Desist letters, which demanded they cease and desist all further communication with me in regard to the debt, and that I would contact the original creditor directly to resolve the matter. MB & W continues to harass me by email and phone. 

I also contacted the original credit ( XXXX XXXX XXXX ) to understand and resolve this debt ( by email and phone ), and they have also chosen not to respond. I am currently retaining legal representation for this matter as well. 

The dates of email communication are as follows : 1. XX/XX/2020 @ XXXX 2. XX/XX/2020 @ XXXX My responses were sent on the following dates : 1. XX/XX/2020 @ XXXX 2. XX/XX/2020 @ XXXX 3. XX/XX/2020 @ XXXX and included the appropriate addressees of The XXXX XXXX. Within this letter, I asked how to handle this internally, as I have not received any prior communication from them. 

I called the XXXX XXXX on XX/XX/XXXX and asked to speak to the billing department, where I was told that they were not available at the time. The representative then took the information I provided ( phone and email ) and said that they would have the billing department call me back. That never happened.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has my credit card account as being late over 150 days. There are a plethora of inaccuracies on my credit report. Experian has my account as being 150 days delinquent. I have reached out to XXXX XXXX XXXX XXXX many times and no action has been taken. 

Experian : XXXX XXXX- 30 days late XXXX XXXX 60 days late XXXX XXXX90 days late XXXX XXXX- 120 days late XXXX XXXX- 150 days late
Product: Checking or savings account

Well there were a lot of things going on with my accounts like checks ordered in different names with my account number, alot of stuff was ordered under my information, that I didn't applied, alot of fraudulent activities that I wasn't aware of. XXXX ordered using my card information in 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SSN : XXXX After recently pulling my credit report from your Bureau , I, in accompany with my attorney, instantly pointed out that I have been reported as 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my credit card ( account # : XXXX ). I also see that according to the reports I was late XXXX days in XX/XX/XXXX and XX/XX/XXXX for my auto loan ( account # : XXXX ). In accordance with the Fair Credit Reporting Act ( FCRA ), Account ( s ) # : ( XXXX ) AND ( 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 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : States a creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose!!! AT THIS TIME I AM SEEKING LEGAL ACTION AGAINST THE BUREAUS.
Product: Mortgage

Extremely poor advising service with regard to a mortgage modification process. Poor overall communication and support. Inundation with multiple duplicate forms.
Product: Debt collection

I received notice today, XXXX, from XXXX that " I C SYSTEM INC '' has reported a derogatory mark on my credit for the amount of {$130.00}. I have no knowledge of this debt nor have I received any communication from I C SYSTEM INC. 

I have started a dispute through XXXX today XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying to refinance my home. I had 7 inquiries from mortgage lenders from XX/XX/2020 to XX/XX/2020. This well within the 45-day limitation allowed to shop credit interest rates. Within this time time period, my FICO score drops 42 points. Instead of combining these inquires as one they appear to each is considered " hard inquires ''. When I questioned the credit bureau in regard to this, I was told I needed to have each mortgage lender write and tell them these were mortgage inquiries. Upon looking closer I found that each one had been identified as mortgage inquires. 
I am being ignored with my complaints regarding this matter. All 3 reporting agencies are doing this same thing. When I threatened to inform CFPB they were not in the least concerned. Apparently, they view you as a toothless tiger. 
Can we possibly prove them wrong??