23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

It is said on the report that the account is already sold or transferred. But then it is reporting inaccurately. I see the date last active reporting on XXXX XX/XX/XXXX on XXXX XX/XX/XXXX and on XXXX XX/XX/XXXX all 3 dates should be the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

On date XX/XX/2022, I sent Experian, XXXX and XXXX a letter disputing the validity of my bankruptcy they are reporting on my credit report. They responded with a letter stating that they verified this item through XXXX XXXX. I went directly to XXXX XXXX  to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from there database. 

I then went back to Experian, XXXX and XXXX on XX/XX/2022 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified their item it need to be deleted regarding to the FCRA. They have once again refused to delete item which is Imploding on my ability to purchase a home and costing me lots of money in interest every year. I also asked them to delete addresses that were incorrect on my credit with proof that Ive never stayed there and they still refuse to delete it. 

The addresses and bankruptcy needs to be deleted from my credit report if it cant be verified within 30 days. Its already hard enough out as is and they are making things harder for not only me but my children due to reporting false information. Addresses that does not pertains to XXXX XXXX needs to be deleted and so does the bankruptcy
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NM, XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX is still reporting on my credit report after I asked Transunion to verify this debt. Wrong information continues to report. This debt has been dismissed by the court last year and I will be attaching the documents showing that it was dismissed. Also wrong amount is continued to be showing
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

2 loan companies ( XXXX XXXX, XXXX XXXX, addresses below ) and two credit reporting company ( XXXX, XXXX ) are involved. 

This was a request to XXXX XXXX  and XXXX XXXX to remove from XXXX, XXXX, and XXXX a loan reported for {$310.00} in XX/XX/XXXX, and taken to collections in XX/XX/XXXX. A request for removal of the loan from my credit report was made to XXXX, which was denied despite evidence the loan was fraudulent. The loan was fraudulent, was a result of XXXX XXXX obtaining a frozen credit report, and has been reported to the FTC. A police report was filed. 

A request for my frozen credit report was requested from XXXX  by XXXX XXXX in XX/XX/XXXX ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, ( XXXX ) XXXX ). XXXX XXXX is a over-the-phone loan service providing loans to low-credit distressed customers at high rates. XXXX provided XXXX XXXX with a copy of my XXXX credit report, which includes social security numbers and personal information, despite my having a credit freeze on XXXX   reports. 

The same month, XX/XX/XXXX, an account was opened in my name and social security number by XXXX XXXX in XX/XX/XXXX, as reported by XXXX ( see Exhibit C ). This was not me and opened without my consent or knowledge. 

The same month, a loan was taken and a new loan account was reported in my name and social security number by XXXX XXXX in XX/XX/XXXX, as reported by XXXX ( see Exhibit C ). This was not me and opened without my consent or knowledge. 

The XXXX XXXX was never paid, and was taken to collections by XXXX XXXX for an outstanding balance of {$310.00} ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, ( XXXX ) XXXX ) in my name and social security number as known to XXXX XXXX in XX/XX/XXXX, as reported by XXXX ( see Exhibit D ). 

Fraud alerts were filed, one with TXXXX ( see Exhibit E ), one with XXXX ( see Exhibit F ),  and one with XXXX ( see Exhibit G ). 

XXXX failed to show that identification had been provided in making the loan, and refused to correct the record. There has been no response from XXXX XXXX or XXXX XXXX. 

A police report was filed. 

In summary, the XXXX XXXX loan and the XXXX XXXX accounts were the result of credit fraud of an unknown party, and not by any knowledge or action by me or my family. This information is provided so as to obtain a police report, that can be used in the clearing of this fraud from my credit history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Dated XX/XX/XXXX XXXX
Product: Credit card or prepaid card

When you shop at Macy 's, they ask you to open a credit card with every purchase. When you get a Macy 's credit card, they send you a ton of marketing material - literally I or 2 pieces a week, sometimes more. We opened a Macy 's card to make a larger purchase, a ring. Soon enough, we saw that with each payment, our available credit was reduced in an equal manner. There is nothing in the terms of the card that it was only for the single purchase. In fact, the marketing of the card, Macy 's XXXX XXXX Account, insisted it could be used anywhere. 

So finally, disappointed, we paid off the balance and told them to close the account. Unfortunately, they reopened the account for some fee they forgot to add on a closing time. Months went by with us throwing out all the tons of Macy 's mail - whey even open it, right? We closed out account. Hundreds of dollars of fees and interest on fees was finally brought to our attention with a collections call. Furiously angry, we paid that bill and said close the account and do not reopen it! They agreed that we were even and owed them nothing more. Then another statement arrived with another fee. Now only {$20.00} we paid that too ; now suspecting Macy 's has a pretty good scheme going here - accounts that can never be closed. Guess how this ends? It doesn't - we just got another statement with a {$2.00} fee. Seriously? 

Please note that Macy 's is not a bank but works with Department Stores National Bank, part of Citibank. - should have known. Banks are not what they used to be and have wasted the public trust they once had. CFPB please make this stop us and what I am sure are many others.
Product: Debt collection

Me and my family have been threatened and harassed by Omnipoint Management Solutions LLC. They have repeatedly called or texted me or my XXXX  children. They contacted my ex wife and others that are not associated with me or this fraudulent debt. I called and asked for management and was rudely talked to and was cursed at. I explained I don't know who this account is and that I've been a victim of ID Theft. I forwarded them a copy of the police report and a letter to stop contacting me or my XXXX  children or any relative regarding this fraudulent account and they refused to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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

A few months ago I Filed a dispute with XXXX  and TransUnion pertaining to invalid and inaccurate personal information being furnished onto my consumer report. This information was not authorized by myself being the consumer and the only individual able to confirm the information. All bureaus responded that the information was verified with ( Creditors ) the furnishers of MY personal information. Title 15 U.S Code 1681 a ( e ) states that to verify information there must be an investigation of my consumer report. This requires an interview of neighbors, friends, or associates of the consumer. It does not state the information can be verified with the furnisher of the information.
Product: Credit reporting or other personal consumer reports

I am writing to formally report persistent issues with fraudulent items on my credit report and the failure of credit bureaus to adhere to the Fair Credit Reporting Act ( FCRA ) guidelines. Despite my repeated efforts to resolve these issues, inaccuracies continue to be reported, which significantly impacts my creditworthiness and financial well-being. 

The specific fraudulent items on my credit report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, the following credit inquiries, which are not authorized and potentially fraudulent, appear on my report : 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 Despite previously disputing these items and having some removed, they reappear on my credit report without proper notification or verification as mandated by the FCRA. The credit bureaus have failed to notify me of these reinsertions as required under 15 U.S.C. 1681i ( a ) ( 5 ), which mandates that if information is reinserted, the bureau must notify the consumer and provide relevant details.

Under the FCRA, specifically 15 U.S.C. 1681i, I have the right to dispute inaccuracies, and the bureaus are obligated to conduct a reasonable investigation and correct or remove disputed items. The repeated insertion and reporting of these fraudulent items without proper investigation and notification violate these provisions and undermine my ability to maintain an accurate credit report.

I request that the FTC investigate these ongoing issues and take appropriate action to ensure compliance with consumer protection laws and fair reporting standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a follow-up to my original letter dated date regarding an inaccuracy on my credit reports, regarding XXXX XXXX which you claim chargeoff {$310.00} Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 
Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting or other personal consumer reports

I submitted a request to dispute an item that was reporting on my Equifax report. 
I did not authorize the inquiry on my report .The creditor was XXXX  XXXX XXXX XXXX Equifax came back and stated the item was validated. 
I request proof of validation. 
I received no response. 
Equifax have pulled my credit over 75 times without my permission. 
They advise me that they were soft pulls and that they will not affect my credit. 
I did not give them permission to pull my credit. 
I request to have them remove. 
The stated they couldnt..
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance :- XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I attempted to fund a CD from my Goldman Sacks ( GS ) savings account. The receiving bank ( XXXX  ) initiated three transfers to the Goldman Sacks account that went through fine, connecting the 2 accounts. When I tried to transfer {$20000.00} from the GS account to the XXXX account I received an email from XXXX that it had gone through, but then another saying the GS had refused the transfer and therefore was now blocked for transfers to XXXX. When I called GS on or about XXXX they told me that I needed to verify the accounts I was transferring into. I spent ~ 1hr on the phone with GS in three way calls to XXXX to verify both of my XXXX accounts, a savings account and the CD I was attempting to fund. On XX/XX/XXXX I initiated another transfer from the GS savings account to the XXXX CD and from the GS savings account to my XXXX savings account. The money was immediately debited from the GS account but never showed up in the XXXX  accounts. When I called XXXX on XX/XX/XXXX they told me that the transfers were being reviewed, with no time frame and no idea of when the transfers would take place. When I told them that I wanted to close the account and transfer all of the funds, they told me that it needed to be approved by someone but would give me no time frame for when it would be done. In the 6 days since the transfer was initiated they never contacted me. I believe they have stolen the interest on {$40000.00} from me and won't let me close the account. I believe this is illegal and should be punished. Please help me. I've spent about 6 hours of my life on the phone with them that I'll never get back. I don't want to have to deal with them again.
Product: Credit card or prepaid card

I called on Capitol One XX/XX/22 at XXXX. They made it extremely difficult to talk to anyone. They just transferred me from one line to another and I eventually spoke with XXXX, agent ID XXXX. I attempted to close ANY accounts with Capitol One. They refused to provide me the last four of the SSN of the person who opened an account. I was told that they blindly open accounts for people and don't do anything unless the person calls and complains. I already had a credit lock in place with ALL three credit agencies and they still opened an account in my name.
Product: Mortgage

Wells Fargo has agreed to pay than {$2.00} XXXX directly to over XXXX XXXX customers affected between XXXX and XXXX as part of the {$3.00} XXXX settlement. 
I've lost my home to foreclosure. The case is attached.
Product: Money transfer, virtual currency, or money service

I was scammed XXXX USD from transferring crypto ( ETH & BTC ) to a fake trading platform called XXXX. 

When I wanted to withdraw the money from XXXX, I received an error message that stated, " Your account is in an abnormal state. '' I contacted their customer service through XXXX. They responded that I needed to deposit 22 % of the principal investment due to international anti-money laundering regulations in order to proceed. Few days later, their customer service threatened me to deposit or else the account will be frozen.
Product: Money transfer, virtual currency, or money service

Today XX/XX/year>. 
I went into Wells Fargo ( who I bank with ) and exchanged XXXX {$2.00} bills for XXXX XXXX XXXX XXXX. He said he didnt need to see my wells Fargo card and I received no receipt he just took the XXXX {$2.00} bills and gave me the bad rolls. The bank no longer has their coin machines, so when people come in with change, they give them the paper rolls to fill themselves unsupervised. The bank does not check these rolls and hands them back out to people who come in and ask for any type of coins in rolls. I am still waiting for the bank to respond. XXXX out of my XXXX rolls were short a few coins XXXX coins each. Which means the bank is responsible for not giving me the correct amount that was suppose to be there. Im not sure how you can trust someone off the streets to fill these rolls with whatever they want. These rolls arent from loomis or any other professional coin company. You can get these paper rolls at the dollar store. The rolls look sketchy and very unprofessional
Product: Mortgage

I got a lump sum payment from XXXX instead of retirement. The intent is to pay off my Mortgage, but my mortgage provider won't give me the paperwork I need in order to initiate the wire transfer. I contacted them at the beginning of XXXX, toward the end of XXXX as well as filling out the payoff form request online. I called them again last week, and they say they sent it. 

I still want to pay off my loan, but it usually takes literally a two-hour wait, on hold- to get a live person on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to lift a security freeze on my credit report despite entering all the correct information, including the PIN I received at the time of the security freeze. Instead, Experian requires that I mail copies of multiple documents to prove my identity. I am unable to make such copies due to COVID-19 and need lenders to access my credit as quickly as possible so that I can fix financial issues that came up due to COVID-19. In addition, Experian makes it impossible for me to reach a live customer service representative by phone. I am extremely frustrated by Experian 's poor service and request that they address this immediately.