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

On XX/XX/2023 several accounts were detected by equifax and my a credit report was updated as such. 
On XX/XX/2023 Equifax reported 24 changes to my equifax credit report bringing my credit score down to XXXX. Sharing that 24 accounts were closed becoming consumer deceased. I am XXXX  not deceased. I called and the issue seemed to be corrected. 
On XX/XX/2023 I applied for a timeshare, and my credit report appeared to be locked, I contacted the three major credit reporting agencies and after some time I was able to confirm that my report was not locked, nor where there any alerts or anything that should keep me from obtaining what I applied for. 
However equifax was now reporting an inaccurate ssn, a ssn that was not mine and not correct for my report. I opened a dispute to have it resolved and provided my ssn card as proof, on XX/XX/XXXX the dispute was resolved but the inaccurate ssn was still reporting on my report causing adverse effects causing me to be denied serveral opportunities to advance my credit and my quality of life. I opened another dispute and provided all necessary information on XX/XX/2023 the dispute was then again closed with the inaccurate information still reporting. Now Equifax is not providing my credit report at all it is providing information on the inaccurate ssn. so when i apply for things im being denied because my information does not match what is on their report which is inaccurate to this day. whenever i try to dispute on equifax i get and error when i call nothing gets fixed.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately
Product: Mortgage

In XXXX I applied for a loan modification, was approved. In XXXX of XXXX, I tried to refinance my mortgage with cash out and was told that HUD had a lien on my property. To date I have not received a bill for the amount, nor does it show up on my credit report.
Product: Debt collection

Referencing : 15 USC 1681a2, I did not give written permission to have Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  furnished on my credit report. This account was resolved with an Identity report and was deleted by the 3rd party collection agency. Please see attached documents and reports from the Consumer Financial Protection Bureau. I need for this negative account to be removed and deleted from my consumer report from all three credit bureaus such as XXXX, TransUnion, and XXXX. This account is affecting me to get a home.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectity a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to Experian notifying them of the reinsertion of the XXXXXXXX XXXX XXXX XXXX XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). 
Despite waiting for 35 days after sending the letter, Experian has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Experian actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Experian they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Product: Checking or savings account

I am writing to file a formal complaint against Bank of America regarding unethical business practices, deceitful behavior, and discriminatory actions I have experienced. I believe these actions have resulted in the violation of my rights and have caused undue distress. 

Nature of the Complaint Unlawful Withholding of Funds : Bank of America has refused to grant me access to my available funds, despite my repeated attempts to resolve this matter. This has significantly disrupted my ability to meet financial obligations. 
Discriminatory Behavior : During my interactions with Bank of America, I was subjected to discriminatory treatment, which I believe was based on racial bias. This is unacceptable and in direct violation of my rights as a customer and a constituent. 
Deceptive Practices : Bank representatives have provided inconsistent and misleading information regarding the status of my account and the actions being taken to resolve my concerns. 
Details of the Incident ( s ) Date ( s ) : Incident occurred on XX/XX/year> Location ( s ) : XXXX  XXXX XXXX XXXX XXXX Names of Employees : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Impact The actions of Bank of America have caused me significant financial harm, emotional distress, and a loss of trust in the institution.
Product: Bank account or service

I am a XXXX who works abroad. XXXX. I recently deposited {$5000.00} from my XXXX bank account into Wells Fargo. The deposit was made on XXXX/XXXX/16. The deposit was processed. It was credited to my account. It was a " done deal. '' But then on XXXX/XXXX/16, the money had been taken out of my account by Wells Fargo, and " referred to collections '' without any explanation. The reference number is : " Foreign Check XXXX - for Collection XXXX. '' I owe Wells Fargo ( or anyone else ) no money. Basically, they just stole {$5000.00} from me without any explanation. I tried calling several times, but no one was able to help me. 

Eventually I got through to XXXX, who told me that it was all a big mistake and that Wells should not have done this. But she said they had mailed the check back to XXXX and asked them to wire the money instead ( without my consent or knowledge ). This means in addition to the foreign check fee that I paid when the check was initially deposited, my XXXX bank and Wells Fargo will be charging additional fees.
Product: Checking or savings account

On XX/XX/2022 my checking account was over drafted in the amount of {$180.00}. This amount, with the exception of about {$7.00} I think, was solely overdraft fees for insufficient funds. I tried to reach out to Wells Fargo to ask why so many fees had been charged when I only went into the negative by that aforementioned {$7.00} and they advised that every transaction that occurs when my account is over drafted receives a {$35.00} fee. I advised them I only had 1 or 2 transactions occur while overdrafted and they listed multiple others that had actually posted prior to my account being overdrafted and should not have received a fee. I closed my account and switched to a different bank after this happened.
Product: Debt collection

This company is stating that i owe a debt to them. Which I DO NOT. I have filed a ftc and police report now I will move to filing for defamation of character. I will be filing a civil and law suit for the trouble both companies have caused.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Transunion, one of the major credit reporting agencies. Despite multiple attempts to rectify the situation, transunion failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX XXXX XXXXXXXX The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. I have contacted Transunion on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, Transunion has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. I have attached copies of the relevant documents, including my correspondence with Transunion and any supporting evidence that substantiates my claim. I have also kept a record of all communication with Transunion, including dates, reference numbers, and the names of representatives with whom I have spoken. I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt Transunion to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. Thank you for your time and consideration. I look forward to a prompt resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received reports of multiple hard inquiries on my credit via XXXX XXXX. These inquiries originated from XXXX XXXX XXXX in XXXX TN for a XXXX XXXX XXXX XXXX. I have never lived in Tennessee and was working in Wisconsin at the time of the inquiries and did not approve of these credit inquiries. I believe someone fraudulently used my social security number and personal information to try to get an auto loan. I contacted the companies that prompted the inquiries which included XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX and it appears the loan was not fully processed. I also contacted Equifax, XXXX, and XXXX to freeze the accounts and place fraud alerts. However, Equifax continues to claim that the hard inquiries were legitimate and refuses to remove these inquiries from my credit report. There does not seem to be any other way to contact Equifax to get this concern resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received this regarding there help. I filled all the paper work they required they even had woman come to my house for signature to begin the process. They have a connection to Global Client Solutions who was to make monthly withdrawal from my checking every month I was told they charge a small monthly fee, the law office was to take small monthly fee. They took a fee but far from small. I was told that I could access my account at any time I was finally able to access my account in XXXX and was shock at how money the law firm had taken and nothing had been done. I contacted them any revoke there permission to make any further withdrawals and to returm all my money.. A refund of {$950.00} was issued XXXX and another refund for bank fees was issued for {$79.00}. They kept {$1600.00} and they and have ignored all my request. I offered to settle for {$1200.00} and they again ignored my offer. I no longer will offer them a settlement offer I just want my total amount of money due me. I have emailed back and forth with XXXX XXXX and spoke on the phone once. XXXX XXXX XXXX, states that he is Non Lawyer but he is Practice Administrator and Director, XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Upon checking I did that he has worked for many debt settlement companies I tried everything to get my money back but XXXX has stead fast refused to give it back and has broken contact
Product: Debt collection

On XXXX XXXX 2017, filed extension with court to continue abusive collection proceedings under false claim that they had obtained new service address. I offer proof they have had my correct address since before XXXX XXXX 2017.
Product: Credit card or prepaid card

I had Citi credit card for more than 10 years. I have arranged to receive a paper statement and never want to change it to paperless. How ever whenever I use the card, Citi Card company repeatedly changes the statement to paperless and failed to send me a paper statement. As I dont use online statement, I repeatedly called them and told them not to change to paperless. Immidiately, they start to send a couple of statements and then they stop again and again more than ten times. By not sending a reminder statement, they have collected late fees and interest unfairly. They have also adversely affected my credit rating. Why do the government let Citi card get away with such bad business practice?
Product: Debt collection

I don't know who this company is. I received no notifications to dispute, no letters in the mail. No validation .not anything..I 'm not aware of this account
Product: Checking or savings account

On XX/XX/XXXX a fraudster gained remote access to our PC pretending to be a software engineer intent on fixing an alleged software bug. While inside the computer, the scammer gained access to our online banking although he was never explicitly provided a password. The scammer was able to successfully initiate a {$500.00} XXXX transfer to an outside party, while Bank of Americas algorithms intercepted and blocked two other attempted transfers. Client alleges that : - The client has banked diligently with Bank of America since XXXX! 
- The client is retired, relies on fixed income only, and has experienced difficulties during COVID - the fraud specialist who handled the case on XX/XX/XXXX was negligent and did not sufficiently uncover in time the {$500.00} out of the SAV and only looked at out XXXX  - Bank of America circumvented the provisions and protections of RegE covering ACH transfers when encouraging clients to use XXXX - Bank of America did not sufficiently fulfill its zero fraud liability pledge - Bank of America did not sufficiently keep up with recent fraud trends of offshore parties gaining access to clients devices. XXXX did a recent documentary on this
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

We continue to be harassed about a debt that is neither mine nor my spouse by Suttell & Hammer P.S. We reviewed our credit report and are certain this is not our debt. We have been attempted to be served ( have video proof of them trying to serve us papers for a debt that is not ours ), continue to send back multiple certified mail attempts, and receive threatening phone calls nearly daily, etc. 

We communicated over the phone and over certified mail ( tracking below ) that the debt is not ours. We included the letter we sent the collectors. The debt belongs to XXXX XXXX XXXX ( presumed due to mailing address. Unbeknownst to us our phone number and home address is tied to this debt. That said, neither XXXX XXXX nor XXXX XXXX are the debt holders and they will not stop. 

Certified mail tracking numbers : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Based on the provided account information from the credit report for XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ), here are the inconsistencies and incomplete information among the three major credit bureaus ( XXXX, Experian, and XXXX ) : Account Number : XXXX and Experian report the account number as " XXXX. '' XXXX does not provide an account number for this account. 
Account XXXX : XXXX reports it as an " Open account. " Experian reports it as an " INSTALLMENT '' account. 
XXXX does not provide an account type for this account. 
Account Type - Detail : XXXX reports " Open account. " Experian reports " Debt Buyer. '' XXXX does not provide an account type detail for this account. 
Bureau Code : XXXX and Experian report " Individual account '' as the bureau code. 
XXXX does not provide a bureau code for this account. 
Account Status : Experian reports " XXXX '' as the account status. 
XXXX and XXXX do not provide an account status for this account. 
Monthly Payment : None of the bureaus report a monthly payment for this account. 
Date Opened : XXXX and Experian report a date opened of " XX/XX/XXXX. " XXXX does not provide a date opened for this account. 
Balance : XXXX and Experian report a balance of " {$370.00}. " XXXX does not provide a balance for this account. 
No. of Months ( terms ) : Experian reports " 1 Month '' as the term for this account. XXXX and XXXX do not provide a term for this account. 
High Credit : XXXX and Experian report a high credit of " {$580.00}. " XXXX does not provide a high credit for this account. 
Credit Limit : None of the bureaus report a credit limit for this account.

Past Due : None of the bureaus report past due information for this account.

Payment Status : Experian reports " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department '' as the payment status. 
XXXX and XXXX do not provide a payment status for this account. 
Last Reported : XXXX and Experian report a " Last Reported '' date of " XX/XX/XXXX. " XXXX does not provide a " Last Reported '' date for this account. 
Comments : There are comments indicating a dispute, and the consumer disagrees with the information. This information is consistent among the three bureaus. 
Date Last Active : XXXX and Experian report a " Date Last Active '' of " XX/XX/XXXX. " XXXX does not provide a " Date Last Active '' for this account. 
Date of Last Payment : None of the bureaus report a date of the last payment for this account. 
Two-Year Payment History : Experian reports " CO '' ( charge-off ) for most months in the two-year payment history, but there is no payment history data reported by XXXX and XXXX for this account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX fraudulent activities on my credit report. I several hard inquires on my credit report that does not belong to me. 
Inquires 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

Contract Caller Inc is reporting an erroneous debt on my credit file. I recently check my credit file and noticed this debt. I never received my phone calls, notices, or letters about this debt. If I would have know of this debt I would have paid it so that it doesn't report to my credit file. I have called and paid it immediately after seeing it on my credit file and it is still reporting a balance. I need this fixed/removed from my credit file ASAP as it is interfering with my finances.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX ACCOUNT # XXXX {$360.00} XXXX XXXX_ ACCOUNT # XXXX {$360.00} XXXX XXXX_ ACCOUNT # XXXX {$1000.00} XXXX XXXX XXXX _ ACCOUNT # XXXX {$12000.00} XXXX XXXX ACCOUNT # XXXX {$940.00} XXXX  XXXX XXXX XXXX_ ACCOUNT XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX_ ACCOUNT # XXXX {$740.00} XXXX XXXX XXXX _ ACCOUNT # XXXX {$1100.00} XXXX XXXX  XXXX  _ ACCOUNT # XXXX XXXX XXXX XXXX  _ ACCOUNT # XXXX {$1100.00} XXXX  XXXX XXXX _ACCOUNT # {$570.00} XXXX XXXX XXXX ACCOUNT # {$2100.00} XXXX  XXXX _ ACCOUNT # XXXX {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX {$1900.00} XXXX XXXX ACCOUNT 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 604 A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

These inquiries are not authorized on my credit report.