23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was informed in a bank email dated XX/XX/XXXX ( attached ), that proof of cash to close was necessary 30 days prior to closing. I informed the bank, in my letter dated XX/XX/XXXX ( attached ), I would provide proof of cash to close 30 days prior to closing and authorized them to proceed with an appraisal. Three weeks later on XX/XX/XXXX ( attached ), three months prior to the closing date of XX/XX/XXXX, the bank informed me I had ten days to prove proof of cash available for closing. If I could have complied with the 10-day notice, it would have cost me extra thousands of dollars I otherwise would have not incurred. Due to the extremely short notice, I requested flexibility in my email dated XX/XX/XXXX ( attached ), and heard nothing from the bank. On XX/XX/XXXX ( attached ), I requested the bank to review my letter of XX/XX/XXXX, cancel the application, and do not charge me for the appraisal. On XX/XX/XXXX the bank refused to refund the cost of the appraisal. The bank was uncooperative, arrogant, and wrong.
Product: Debt collection

Debt collector CBA collection bureaus ( original creditor XXXX XXXX XXXX XXXX XXXX ). Opened XXXX XXXX,2015 is trying to collect debt that is invalid. High balance {$140.00} ( balance {$170.00} ).  The debt collector has illegally tried to collect debt thats invalid, theyve illegally inflated this debt and IF this is valid I havent received an original contract of my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XXXX & XXXX of the year XXXX as well as XXXX & XXXX of XXXX, I fell behind on payments because of the unforeseen occurrence of XXXX prohibiting me from being able to work. I was without a job prohibiting me from making payments. These late payment are continuing to affect my credit score tremendously and is continuing to affect my ability to take care of my family not being able to get approved for living. 

In accordance with the Fair Credit Reporting Act. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 US Code 1681e ( b ) and 15 US Code 1681i ( 5 ) XXXX XXXX XXXX XXXX Account # : XXXX and Experian is in violation not reporting 100 % accurate it lists. Also, I have not given written permission for this debt to be shared with any other 3rd parties like Experian and XXXX.
Product: Credit reporting or other personal consumer reports

Equifax is violating my consumer rights under the Fair Credit Reporting Act, by allowing inaccurate/invalidated items on consumer file, and refusing to do an accurate investigation of into negative items. I want all unverified/inaccurate items remove from my consumer file asap.
Product: Credit reporting or other personal consumer reports

XXXX in disagreement with the account listed below which appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. 

XXXX  XXXX Account XXXX In accordance with the Fair Credit Reporting Act Public Law 91-506 Title VI, Section 611. Please provide the names and business address of whom you verified the account information with so I can follow up. Please send an updated copy of my credit report after your reinvestigation.
Product: Credit card or prepaid card

My capital one credit card account was charged an annual fee on XX/XX/XXXX. When I saw the fee on my account I called on XX/XX/XXXX to address the issue. I was told they can not refund the fee without canceling my account. I agreed to cancel my account and was transferred to a supervisor. The supervisor told me I would lose the rewards associated with my account and I could have a check sent to an address. I asked instead to have the value credited to my account. When she told that was okay and asked me to confirm having the money added to my account. When told the conversion value of the rewards I was very surprised at how low the value was. I asked what other options I have, and she said it was too late you already confirmed. 

I am now in a position where I can dispute my rewards, but the requires me to leave the account open which means I'm going to be charged a fee. I feel like I'm being held XXXX by the credit card company. It's bad enough I'm going to have to impact my credit score to dispute the fee. The monetary value involved is low, but the behavior of Capitol One in this case feels predatory.
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. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate information showing on my credit report that is negatively effecting my credit score and limiting my availability to new lines of credit. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - COLLECTIONS XXXX - XXXX - XXXX XXXX XXXX opened XX/XX/XXXX for {$360.00} - XXXX - XXXX XXXX XXXX opened XX/XX/XXXX for {$360.00} Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$980.00} - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$1000.00} Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX TRANSUNION - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$980.00} - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$1000.00} Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - INQUIRIES - XXXX, XXXX, Transunion have hard inquires on my report that I do not recall ever doing. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - MISSING INFORMATION - XXXX shows no information for my accounts -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ADDITIONAL INFO - Remove all security freezes or fraud alerts from my credit report immediately
Product: Debt collection

On XX/XX/year> I noticed that XXXX XXXX XXXX a collection account was added to my Transunion credit report. The original creditor is XXXX University, which I never attended or enrolled. XXXX University, sent this debt originally to XXXXXXXX XXXX XXXX  collection agency. I disputed this that account with XXXX XXXX and was removed due to fraud. XXXX University reinstated this debt with XXXX XXXX and reopened another collection account on my Transunion credit report. This is the same alleged debt, but now being reinstated with a new collection agency. I do not owe this debt as I never attended XXXX University, this is being reinstated via another agency and credit report. I have filed two identity theft reports, one from XXXXXXXX XXXX XXXX and one for General Revenue CorpXXXX XXXX University keeps on reinstating the {$1000.00}, which I do not owe and negatively hurting my credit, after I gave them notice of this fraud. Transunion does not block this information even after sending them all FTC report and copy of a sworn statement. Transunion keeps opening a regular dispute with the collection agency, and the debt keeps getting validated. This is not my debt and I am victim of identity theft, Transunion refuses to help me, by blocking the information. Instead they open a normal dispute which gets the debt validated since the information being used was stolen from me.
Product: Credit card or prepaid card

I called on XX/XX/XXXX to get information on Balance and transactions. I was told I had transactions that were charged that I was not aware of and informed that I would need to dispute the transactions and have to cancel my card and have a new one issued. The next day after reviewing the transactions history and bank statement I contacted the bank again and questioned the transactions in question and was informed that the transactions were not charges but pos holds that were normal that I ran the card as credit instead of debit. I have nothing to be disputed and canceled my card for nothing but the fact that it was over false information that I was provided by the representatives of the bank which is all I have received from the first call made. After my new card was received I had to call customer service to activate the card and was informed that I would have to send my identification verification by fax for activation to be able to get my account access. After sending my government issued identification card social security card tax documents birth certificate and address verification it has been almost 2 months now and now just informed that I now have to fax all information to another number and my documents were reviewed and verified but need to be processed again. This is unjustified that the amount of time i have been locked out with no resolution or contact with bank I have to call daily waiting on hold to get hung up on lies to or misled this is a big circle that just never ends. Always having another hoop or detail added. I informed the bank from day 1 my family with XXXX children are currently homeless and lost everything, we desperately need this resolved and access to my money. We have been approved for housing after 5 months homeless and are at RISK of losing the housing if cant connect utilities before XX/XX/2020. Please help me get answers and resolve the problem asap please.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate this unverifiable account XXXX XXXX XXXX XXXX XXXX : {$40000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which EQUIFAX wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were  sent timely on the accounts and were never late..CFPB step up and fix this error XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
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 & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX Owed : {$5200.00} XXXX  XXXX Balance Owed : {$470.00} XXXX  XXXX Balance Owed : {$620.00} XXXX  XXXX Balance Owed : {$1100.00}
Product: Debt collection

This number keeps calling me. When I look it up I get XXXX. This group has a lawsuit agaInst me in XXXX XXXX I live in. We have a hearing next month. But I keep getting their call. I get it once or more per week and I do not answer it. I 'm actually on ssi and they are n't supposed to be able to take my money. I do n't owe them the money I owe G.E Credit which was for amazon. I was turned over to them by amazon while I was actually making a payment to amazon. I should have never been turned over to these people because I missed XXXX payment.
Product: Student loan

Why have I had to apply for Loans to be " Discharged '' OVER & OVER again?
Product: Debt collection

HOA Collections LLC received a debt validation letter in XXXX ( attached ) and ignored it. We obtained a judgment against them ( attached ). They have recently indicated their intention to attach a lien to our home, when, they have no standing, no privity of contract, have violated the FDCPA, XXXX XXXX and/or XXXX XXXX XXXX we are both seniors ), as well as the XXXX XXXX to the United States XXXX XXXX " In Suits at common law, where the value in controversy shall exceed twenty dollars, the right of trial by jury shall be preserved, and no fact tried by a jury, shall be otherwise re-examined in any Court of the United States XXXX than according to the rules of the common law. '' Furthermore, Federal Law states : The use of fictitious addresses ( ALL CAPITAL LETTERS ) in a private individuals names or a ZIP CODE against the individuals wishes is a crime under Title XXXX XXXX. Section XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX, and is punishable by up to 15 years imprisonment and {>= $1,000,000} names or fine. '' XXXX XXXX is a XXXX man XXXX, and has engaged in at least a half dozen instances of mail fraud, as well.
Product: Debt collection

National credit systems-XXXX XXXX. account XXXX This is stolen identity. I have filled all of the necessary paperwork including a police report and reported it to the federal trade commission as well. The amount was for XXXX. This is not my debt. I have never even lived in Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. 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 XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

On XX/XX/2023 I received a text message about fraud on my Macy 's Amex I let them know that it was not me that was making charges in several states. They closed the account and opened an investigation. They did send me another card but subsequently closed that account too. Which i just found out today, XX/XX/2023 because I noticed that my account was no longer being reported on my credit report. I was told that it is still an open investigation. I'm being punished for fraud that is not my fault.
Product: Credit reporting or other personal consumer reports

I have different but similar names reporting on my credit report. I have an address reporting on my credit report that I'm unfamiliar with. I also have an employer that I'm not familiar with. I have reached out to XXXX Intermediate Holdings , Inc . I have reached out to Equifax , Inc . I have reached out to XXXX Information Solutions , Inc. I have disputed these inaccuracies providing proof with these CRA 's and they have yet to remove them.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX. I have sent almost 7 Complaints ( disputes ) as they identify them with calls from insurance companies and emails to fix the dispute but promises without action. 
My name and my nephew have the same first and last name but different Middle names, Dates of birth, SS #, Driver 's licenses, etc... 
my nephew had 2 car accidents. XXXX in XXXX and XXXX in XXXX. 
They have added those 2 claims ( accident ) to my personal report. 
I have stated that the information is incorrect information on my report. they claim it on the insurance companies who reported the claims. I followed up with the insurance companies who sent them email after email and explained in detail the confusion between the names but without any action from the credit report company. 
The main problem is that they don't respect the time. They make you wait to answer the dispute for almost 35 days. That is in total 8 months now without any results. 
I am a XXXX person and really don't have the time to wait for half an hour every time you call them for a security check with operators from foreign countries and don't know what are they doing??? it is really petty to see such a company handle credit reports for millions of people with such responses ....
Product: Debt collection

No income to pay requested debt from bill reported to collection agency, still continue to call daily and sometimes multiple times per day asking for debt owed. Robot dials and person answers when picked up.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove incorrect unauthorized accounts and reverse late payments from report.
Product: Checking or savings account

I was made aware that our bank account was being closed due to fraud activity. We got notice after they closed the account. My husband is the only worker in the house and we have XXXX children to feed. USAA will not allow us access to even part of our money to buy groceries. How are we meant to survive for the 60 day timeframe they have given us?
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CFPB Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Dear LexisNexis, I have recently looked at a copy of my credit report and see that you are still providing inaccurate information about a couple of XXXX  that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already spoken with the courthouses that these XXXX  were filed in and I know that they did not provide you with this information as they explicitly stated that they don't report information to anyone. But I guess you use XXXX  to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. They were both DISMISSED and never XXXX! My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these XXXX  from your system. It is not fair that you can simply snoop around and report only half-truths and cause so much XXXX. 

XXXX - This account violates 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This XXXX  should not be included in my credit or consumer report. I demand that you delete this account.
Product: Debt collection

This company has repeatedly called and left messages for someone THAT IS NOT ME. 

They called XX/XX/2019 at XXXX. 

And then XX/XX/2019 at XXXX! 

I already explained to them that this number DOES NOT belong to the person they are trying to reach and they continue to call, leave very threatening sounding voicemails, and at inappropriate times. 

Their voicemail states that I should contact them or have my legal representation contact them, and that " it is in my best interest to do so very soon '' -- but said like it's a threat to whoever they're looking for.
Product: Credit card

I have been victim of identity theft at USAA. Someone has stolen my SS # and made a fake DL to open XXXX fraudulent credit card accounts and a bank account under may name. I have sent everything USAA has asked me to send from day one, since 4 months ago, and have hadXXXX lengthy follow up calls with them to date. Every time they say all is cleared but they fail to confirm to me by writing or email and report to the credit bureaus. Please see my last correspondence to them by certified mail, attached. This has been a nightmare for me. The situation is very suspicious and concerning as there are reasons to believe that the thief is potentially either internal to USAA or has a good line into USAA! Please help!
Product: Money transfer, virtual currency, or money service

My account was locked and I 've been emailing coinbase support for the past 2 months with no response from them. The last email was a week ago and no response as well.
Product: Debt collection

Prior to Move-Out- I called XXXX XXXX to ask about move out requirements. I submitted the required notice to move-out as per the lease. I was not given any standards to which the apartment should be cleaned nor were any listed in the lease. I was simply told i should clean the apartment and move out. 

XXXX- My lease with XXXX XXXX ended. My keys were returned to the front office, and my apartment was cleaned. 



XXXX- I recieved 3 letters from Consumer Collection Management Inc. attempting to collect on separate debts. One listed my name, two did not. 
The letter listing my name cited a debt of ~XXXX dollars listed as " miscellanious '' from the original creditor XXXX XXXX. I had recieved no prior notice and was not contacted about any " miscellanious '' fees by XXXX XXXX prior to this letter from Consumer Collection Management Inc. 

XXXX- I called Consumer Collection Management Inc. to dispute the validity of the debts, I was told It was n't neccessary for me to submit my dispute in writing but that I probably should. Of the 3 letters, only 1 had my name and the following 2 had names I do n't recognize as well as differing account numbers. While on the phone, I resolved the issues with the 2 letters that did n't match my name. I also immediately resolved an issue of another debt I was told by the representative was under my name. This debt aparently was from someone with a differing birth day than myself. At this point I 'm sincerely concerned about the handling of my information as well as my privacy, espcially regarding a debt that i dispute the validity of.
The representative informed me that the debt in the letter bearing my name consisted of " miscellanious '' fees, for not returning keys and for cleaning of the apartment. I disputued this debt based on the inaccuracy of the underlying claims, as the apartment was both clean and the keys returned to XXXX XXXX. I also question that the debt in question is mine, as I now have heard of 3 debts from CCM that were n't mine but contained some conscript of my personal information. This shows a mishandling of my personal information/breach of privacy by either or both CCM and XXXX XXXX. As well as a breach of privacy for those debtors whose letters were sent to me. 

XXXX- I submitted my dispute of the validity of the debt that had my name attached to it. 

XXXX- I 'm filing a formal complaint with the CFPB