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

After reviewing my credit report, I realized that there was a Bankruptcy on there that was innacurate. The entry had the wrong court name, Date Paid and Date Updated. 
I mailed in a dispute to XXXX, Equifax and XXXX asking them to investigate and verify this bankruptcy. 
On Friday XX/XX/XXXX I received a response from them saying the bankruptcy was verified as accurate. I did my own independent investigation and I contacted the court where the bankruptcy was filed and they stated they do not issue information to anyone about court records, especially credit reporting agencies ( See Attached Letter from Court ) The fair credit reporting act requires that original court documents be supplied by only the issuing court and not a third party. 
I found out that the information was being supplied by a third party credit reporting agency called XXXX XXXX. I contacted them and asked for information about this bankruptcy and they did not have it on their reports ( See Attached Letters from XXXX XXXX ) XXXX XXXX in a letter stated that they have filed a dispute with the three credit reporting agencies to delete the bankruptcy record but the 3 agencies have not responded. 
Essentially, the three credit reporting agencies are not interested in deleting inaccurate accounts because they are more profitable if they are left on month after month. 
This bankruptcy is not on XXXX XXXX which is where the CRA 's get there information for bankruptcies ... so if they don't have a record for it ... how is this bankruptcy " Verified as Accurate '' by XXXX, Equifax and XXXX? It isn't verified because they never investigated my dispute. 
This is a violation of the Fair Credit Reporting Act and is punishable by {$1000.00} per offense. 
Action Required : Investigate this inaccurate bankruptcy and delete from XXXX, Equifax and XXXX credit report. 

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

In accordance with the fair credit Reporting act XXXX, XXXX XXXX Acct # XXXX balance {$160.00}, XXXX  XXXX XXXX  Acct # XXXX balance {$21000.00}, XXXX  XXXX XXXX XXXX Acct # XXXX balance {$51000.00}, US BKPT CT Pa XXXX Acct # XXXX XXXX, XXXX XXXX XXXX Acct # XXXX balance XXXX. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I looked on my credit report and I still have this account that i really own. I already sent dispute letters via certified mail to delete this account but for some reason they are not responding on my letters. Its been 60 days since i mailed the letters but until now I still don't hear anything from them. This account really affects my good standing and I want it to be deleted.
Product: Checking or savings account

My account was closed randomly and without warning. 

I contacted the Risk Department ( XXXX ) and spoke to XXXX XXXX, who apparently was having a bad day. 

Upon speaking to XXXX XXXX, I was told that a check was mailed out with the remaining balance in my account. I ask XXXX XXXX if she could place a stop payment on the check, reissue the check and have it mailed to an alternate address. XXXX XXXX angrily replied, " we don't do that unless your check was lost and it won't be considered lost until at least 30 days ''. 

I asked " well do I need to get an attorney involved? '' XXXX XXXX responded " when you sign the disclosures with the bank you agree we can close your account any time for any reason and youre mentioning an attorney - good XXXX luck '' and she instantly hung the phone up in my face. 

Stunned, I proceeded to call back. XXXX XXXX answered the phone again and said " XXXX XXXX XXXX '' before hanging up the phone again. 

I called back yet again and was greeted with " Stop XXXX calling this phone! '' Before being hung up on yet again. 

In a final attempt I called back and was greeted yet again with " XXXX XXXX, XXXX XXXX XXXX '' before XXXX XXXX hung up the phone again. 

Im not sure why XXXX XXXX was so upset but I'm flabbergasted at the way she spoke to me and I will be pursuing legal action.
Product: Money transfer, virtual currency, or money service

I was scammed by an online investment, and after I realized the scam, I contacted Bank of America to stop any ongoing transactions if possible. But afterward, they investigated the claim and refused to pay me back due to my own authorization for purchasing the product. How am I supposed to know when I was being scammed at that moment, and the fraud department of BoA didn't have any actions on my any of transactions. They called me several times, but they never asked about any reasons for sending the money. THEY FINALLY LOCKED MY ACCOUNT after I transferred almost every dollar in my saving account due to " suspicious activities. '' I am furious about myself for trusting someone online and making those transactions but isn't the reason a fraud department existing in a bank should prevent this kind of situation? Again, they asked nothing about transactions, even though I sent out a total of 60k in one month.
Product: Bank account or service

Good Morning, On XXXX/XXXX/16 I opened a Citigold checking account in response to a promotion where Citibank was offering XXXX AAdvantage miles in exchange for opening an account and meeting spending criteria. On XXXX/XXXX/16, After satisfying the requirements of the promotion I contacted a Citibank representative via online secure chat ( see attached conversation as proof ) who confirmed that I had " met all of the requirements '' for the promotion and my account would be credited with the XXXX AAdvantage miles no later than XXXX/XXXX/16. Having not received the miles by the deadline promised, I contacted Citibank who are now claiming that I was not eligible to participate in the promotion and will not be receiving the miles explicitly promised. This is clearly a deceptive practice designed to lure in potential customers with bonuses they do not intend to fulfill in order to collect monthly service fees. 
Thank you
Product: Credit card

On or about XXXX of 2023 Capital One restricted my account just when I qualified for my rewards of {$200.00}. I asked them why the restriction and they said they detected Fraud and needed proof of income which I sent to them, then they needed proof of my XXXX account with proof of address which I gave to them Numerous times. What this has to do with fraud is beyond me. I Also sent them a copy of my drivers license and Social Security card. That still didnt satisfy them. I sent them more bank statements and a copy of my utility bill, still wouldnt lift the restrictions. I finally said how bout just honoring my rewards points and got the song and dance about they couldnt release the points until they were satisfied with the harassing stipulations they were putting me through. I dont care if I ever use my capital one card I just want what I earned. Sincerely, XXXX XXXX.
Product: Mortgage

My mortgage company Ocwen Loan Servicing LLC . Will not remove false information on my credit bureau. XXXX XX/XX/2013 they but that I was XXXX days late on my credit, I have never been even XXXX days late and I have proof where every month they are paid automatically out of my bank account. I have talked at great length with them and the agree it was a mistake but the still will not remove it!
Product: Debt collection

After initially talking to Delta Mngmt. collection agency, we agreed upon a repayment plan for me to get out of default. After sending them XXXX stubs proving my employment, they contacted my employer thru fax and multiple calls to speak with me when I was there and was not. After I finally answered XXXX of the calls and told him to never contact me at my place of business again, he would not take no for an answer and continued to try to talk to me about my debt. My debt collector 's name is " XXXX XXXX '' ( sp? )
Product: Credit card

The following monthly {$2.00} charges can not be explained by Macy 's : On XXXX XXXX, 2015 I paid the balance of XXXX due on my Macy 's credit card. Since that balance, I have not purchased anything else on my Macy 's credit card. However, I received the following charges : XXXX/XXXX/15 Minimum interest charge {$2.00} ( balance due on that card {$2.00}, actual purchases {$0.00}, credit limit {$600.00} ) XXXX/XXXX/15 Minimum interest charge {$2.00} ( balance due on that card {$4.00}, actual purchases {$0.00}, credit limit {$600.00} ) XXXX/XXXX/15 Minimum interest charge {$2.00} ( balance due on that card {$6.00}, actual purchases {$0.00}, credit limit {$600.00} ) XXXX/XXXX/15 Minimum interest charge {$2.00} ( balance due on that card {$8.00}, actual purchases {$0.00}, credit limit {$100.00} - lowered without notification ) On each of the statements, it stated " Interest Charged '' as {$0.00}. However, " Purchases, Cash Adv, Fees & Other Debits '' as {$2.00}. The store would not let me use the card this holiday season and overheard another shopper with the same problem and the same {$2.00} charge. I was not aware of this {$2.00} charge and it is not explained anywhere. On the phone, I was told that it is " residual interest ''. I paid the remaining balance of {$8.00} on XXXX/XXXX/15 and closed the credit card today XXXX/XXXX/15. 
On XXXX/XXXX/15, I was told by XXXX at extension XXXX that nothing was ever reported to a credit agency and nothing will be reported to a credit agency after I close the credit card. It is only {$8.00} but I need total oversight in order to protect my credit rating from such deceptive practices. Please let me know if I can send you the statements.
Product: Credit card

State Farm Bank used XXXX XXXX XXXX to go behind my back into court in XXXX, GA to sue my for a XXXX plus debt that State Farm Bank charged off in XX/XX/XXXX.I paid State Farm Bank XXXX XXXX this debt in XXXX 2015. Since that time I have been trying to get State Farm Bank or XXXX to send me a signed receipt from State Farm Bank via email showing that the {$11000.00}. applied to the account the was charged off. For 7 months State Farm Bank and XXXX refuse to give me a receipt. I have the check that was deposited in XXXX account in XXXX 2015 copy of check attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several occasions to repair my credit with XXXX, experian and XXXX for the ELIMINATION of accounts that are being reported incorrectly. several accounts are in COLLECTION but the account status is open, the last dates of activity are reported differently in each credit bureau, how is it possible? I have sent them letters where I point out the errors in the accounts and they ignore my request. 

The accounts I need removed because they violate the FCRA ARE : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX The balance owed on this debt is allegedly XXXX and the highest balance is XXXX, this is a violation of my right to a Fair Credit Report. 

XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account XXXX : XXXX This account is reporting the last activity date differently in XXXX and experian, XXXX payments are also reported on different dates, I am entitled to fair credit, errors like these are unacceptable XXXX XXXX  XXXX account number XXXX This account is reporting the balance due other than the highest balance,. Additionally, I was reviewing it and its reporting the PAYMENT HISTORY " CO '' Accordingly to the FCRA, it's illegal to report current payment history on a Charge off account. I have the right to an accurate credit file and discrepancies like this are unacceptable. 

XXXX XXXX XXXX account number XXXX The last day of activity, account status on this account are reporting differently on the 2 credit bureaus. i have the right to an accurate credit file and discrepancies like this are unacceptable. 

XXXX XXXX XXXX XXXX XXXX account number XXXX The last day of activity, last payment on this account are reporting differently on the 2 credit bureaus. Additionally, I was reviewing it and its reporting the PAYMENT HISTORY " CO '' Accordingly to the FCRA, it's illegal to report current payment history on a Charge off account. I have the right to an accurate credit file and discrepancies like this are unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Vehicle loan or lease

They have called 14 times in the last 7 days, and usually they call me than that. I have requested they follow the proper guidelines as it is very disruptive for my job. I have lost sales because of the constant calls and badgering. It has caused me to suffer personally both emotional and financially.
Product: Credit reporting or other personal consumer reports

XXXX and Experian is reporting inaccurate and unauthorized transactions to my credit report They are reporting items that has been closed or removed on my account and creditors are still trying to get paid for items that have already been paid or charged off by companies like XXXX XXXX XXXXXXXX XXXX XXXX XXXX  as well as XXXX XXXX XXXX XXXX XXXX had inaccurate unauthorized charges which reported and dropped my XXXX XXXX Inaccurate reporting from XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep concern and frustration regarding the multiple attempts I have made to remove fraudulent items from my account. Despite my repeated efforts, it appears that the issue persists, and I have not seen any resolution.

I have encountered unauthorized transactions and fraudulent activities on my account multiple times, and I have diligently followed your provided procedures for reporting such incidents. However, the lack of effective action on your part has left me dissatisfied and concerned about the security of my account.

Despite my cooperation and adherence to your reporting protocols, the fraudulent items have not been adequately addressed, and my account security remains compromised. This situation is not only inconvenient but also raises serious concerns about the integrity of your security measures.

I request an immediate and thorough investigation into these matters to identify the root cause of the repeated security breaches. Additionally, I expect prompt action to remove all fraudulent items from my account and to reinforce security measures to prevent such occurrences in the future.

If necessary, I am prepared to provide any additional information or documentation to support your investigation. I trust that you will treat this matter with the urgency and seriousness it deserves, and I look forward to a swift resolution.

Failure to address this issue promptly may compel me to escalate my concerns to relevant consumer protection authorities and consider legal action to safeguard my rights as a customer. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6800.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX   Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6800.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX  Balance Owed : {$29000.00} XXXX XXXX XXXX Balance Owed : XXXX.
Product: Debt collection

I was contacted by a man named XXXX XXXX claiming he is from XXXX XXXX XXXX. He claimed that I gave fraudulent check information or inaccurate checking account information to pay a debt. He said the debt was from Target Cash Now. I then received another message from an XXXX XXXX from XXXX claiming to from XXXX XXXX XXXX. She said I was going to be served at my place of work and the documents needed to me signed by me and my manager. She gave me a different number to call than XXXX XXXX. I called that number and the first time it went to voicemail claiming to be XXXX. I then called it back again and was able to speak to another person that sounded like XXXX XXXX the first man I spoke to. He said he couldn't give me any information and had to transfer me to a different department. He also wouldn't tell me what XXXX stood for he said it was the company name. The man that answered when he transferred me asked if I was recording the call and I said yes. He then said he couldn't give me any other information and hung up on me. 

I called Target Cash Now and spoke to someone in their collections department and he said the only company they use for third party collection was XXXX XXXX. 

These people need to be stopped!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
LOUISIANA CHILD SUPPORT, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

We purchased a new boat in XX/XX/2021 and secured a purchase loan from Huntington Bank at the time of purchase for approximately XXXX. We paid the remaining balance of the loan off on Monday, XX/XX/XXXX. Over a month later and we have still not received the lien release for the boat from Huntington. We received a letter acknowledging the payoff funds were received and processed, and we received a lien release for the boat trailer, but not the boat. We have called and talked to agents from Huntington multiple times, often getting hung up on, and no commitment as to when we can expect to receive the lien release.
Product: Debt collection

Southwest credit system are trying to collect debt from me that I do not owe. This account was opened XX/XX/XXXX and there is a past due of {$2500.00} as of XX/XX/XXXX. I'm sure that this is a result of identify theft. I been using XXXX for years now and i've been paying my bills on time so I don't understand why there is is so much debt on this account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours starting the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection ACT ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with necessary proof of investigation. 
These are the accounts that I have marked as inaccurate : XXXX, XXXX under account number XXXX, XXXX XXXX XXXX under account number XXXX, XXXX XXXX XXXX  under account number XXXX, XXXX XXXX under account number XXXX, XXXX XXXX under account number XXXX and XXXX & XXXX  I under account number XXXX.
Product: Credit reporting or other personal consumer reports

I made a payment of XXXX that posted to my account on XX/XX/year>. This payment has paid my account off in full. XXXX XXXX XXXX  is still refusing to correct the payment status to paid in full after I disputed the information with XXXX, XXXX and Equifax. They are still reporting the incorrect balance information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX