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

Reported false information to XXXX and XXXX XXXX This is causing me problems from obtaining personal and business checking or savings account or getting my current accounts closed. XXXX XXXX  has provided a document saying it was verified but Bank of america just provided my electronic signature of agreeing to the terms when first opening the account. This account by bank of america was closed because there was a check that was not deposited by me, or signatured by me uploaded to my account. I received a call from bank of america and confirmed that I had no knowledge and didn't do it. A few days later they decided to close my account after they cancelled/declined the check the day of me mentioning it was unauthorized. This company had no loss or even investigated it properly as in to see where was the check deposited from including IP ADDRESS, LOCATION OR FULLY VIEW THE SIGNATURE THAT WAS PUT ON THE CHECK. THIS FRAUDLENT INFORMATION LISTED ON MY CREDIT SHOULD BE REMOVED. Furthermore, I would like to remind you of your obligation under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681i. If this in question is reported to any credit reporting agency, you are required to investigate and verify the accuracy of this upon my request. Inaccurate or unverified information must be promptly removed or corrected. Source of Information : BANK OF AMERICA ; XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX For : SUSPECTED FRAUD ACTIVITY ; REPORT IS DISPUTED BY CONSUMER ( S ), AND VERIFIED ACCURATE BY XXXX ; Reported Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Reported XXXX : XXXX License : State : Date of Closure : XXXX # : XXXX / XXXX Status : NO MONETARY LOSSClosure Status Date : XX/XX/ Dispute Case ID : XXXX Bank Name : Bank of America Reference # : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXX XXXX  XXXX {$340.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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  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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I just went through construction on my home and the bank uses a computer assisted rate to estimate my new tax amount which is over {$10000.00} off. I have called my tax department to verify my new tax rate but they can not give me anything in writing until the new rates are set but have assured me that it will not be over {$11000.00}. The bank says it will be over {$22000.00} based on their computer automated system. This is causing me be have to pay over {$1000.00} extra every month into my escrow account which is a huge financial burden.
Product: Checking or savings account

On XXXX XX/XX/2023, I was the victim of Identity Theft of my personal information and banking information of my Bank Account at USAA. From XXXX XXXX to XXXX XX/XX/2023, an unknown person impersonated as a USAA Customer Service Representative and armed with extensive knowledge of USAA 's Security Procedures was able to obtain my entire debt card information including XXXX security code and XXXX ( XXXX ) digit pin along with answers to my security questions. They contacted me using the actual USAA XXXX number that their contact center uses and proceeded to deposit multiple fraudulent checks of {$4500.00} in my account and then withdraw it quickly with a newly created account from XXXX XXXX XXXX  they made with my stolen debt card information which occurred within a 3 day span. USAA has determined that I was held responsible for the fraudulent transactions in my account after I requested XXXX investigative reviews, a representative from their fraud department to contact me so I could pass on information to help find the scammers, spoke with a spokesman for the company 's CEO 's Office and Executive Committee Three times and was assured a fraud department representative would call me to discuss the matter on XXXX XX/XX/2023 which did not happen. I was not initial instructed on how to go about disputing the fraud charges until I spoke with the XXXX  customer service representative days afterwards who actually helped and they froze my main joint bank account I've have with my wife and the end of the month VA XXXX pension funds I needed to pay for my family 's housing, food and utilities Until I pay the negative balance created from the fraudulent transactions I didn't commit. Note : I've been a member of USAA for XXXX  years, Banking with them for almost XXXX  years and I'm a XXXX  XXXX XXXX  Veteran and XXXX  XXXX  XXXX  XXXX. Never done anything illegal nor attempted to as a customer yet they still are holding me accountable.
Product: Debt collection

They keep calling both my phone and my wife 's phone for a business debt. They use " restricted '' number. They call an average of 12 times  per day. 

her name is XXXX XXXX Benjamin Chaisse and Associates XXXX XXXX, ext XXXX
Product: Debt collection

Calls 5 tines a day about a medical bill. I finally thought of them stop calling and mail me the bill and I will pay in full on Friday. They agreed to send m can ge bill ( which I still havent received ) but said they wont stop calls me me. 
Its irritated my. Theyve called 5 times already today and will call 5 more.
Product: Debt collection

On Saturday XX/XX/2017 I received multiple phone calls from Credit Acceptance in an attempt to collect the debt I owed them. They called at XXXX, XXXX and XXXX. When I called to ask them to stop calling I was told that they would continue to call until I set up a payment plan. This is n't the first time they 've harassed me and it is n't the first time I 've asked them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed erroneous information with the credit bureaus and only Equifax has made a reasonable attempt to correct the information. XXXX  won't investigate and XXXX  uses stall tactics such as asking for information that I have already submitted to them. I have letter from the original creditors stating that I have not made late payments or they have no record of any accounts in my name, but the credit bureaus still report this inaccurate and damaging information. I have disputed several times to get these erroneous accounts updated and/or removed, but to no avail. I am writing you seeking some oversight and help in holding the credit bureaus accountable.
Product: Debt collection

Cain and Weiner is a debt collections company used by XXXX XXXX XXXX XXXX. 
Caine & Wiener been contacting myself and stating a company that I was affiliated with owed a much larger balance to the original creditor. They stated the balance was a certain amount and in fact the actual amount is much lower.
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up on Unresolved Complaint - Request for Removal of Inaccurate Account from Credit Report In re : CFPB Complaint Number Equifax-XXXX XXXX XXXX  Dear CFPB, I am writing to follow up on my previous complaint, referenced as CFPB Complaints Number XXXX and XXXX which I filed over 30 days ago regarding inaccuracies on my Equifax, XXXX and XXXX credit report. To date, I have not received a response from Either, nor have they initiated the required investigation into the dispute. This continued inaction is negatively affecting my credit profile and my ability to obtain credit. 

The complaint concerns the following account : Account Name : XXXX XXXX XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 1681i ), credit reporting agencies are required to investigate disputes and respond within 30 days. As Equifax has failed to meet this deadline, I request the immediate removal of this account from my credit report, in accordance with Section 611 ( a ) ( 5 ) of the FCRA, which mandates deletion of information that can not be verified.

Furthermore, All three bureaus non-compliance violates my rights under the FCRA. Section 623 ( 1681s-2 ) requires furnishers like XXXX XXXX XXXX to provide accurate and complete information to credit reporting agencies, and I believe this obligation has not been met in my case.

I respectfully request that the CFPB take immediate action to enforce Equifax, XXXX and XXXXXXXX XXXX  compliance with FCRA regulations and ensure the removal of this inaccurate account from my credit report. Additionally, I ask for any guidance on further steps I may take to protect my rights and resolve this issue. 

Thank you for your attention and assistance. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

It is my understanding that FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly verify the documents? Certain listed accounts exhibit inaccuracies in their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Re : This Letter is Sent to Remove Inaccurate Credit Information from My Credit Report To Whom It May Concern : I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately please :
Product: Debt collection

MIDLAND CREDIT MANAGEMENT INC {$690.00} the debt is not mine my information was leaked in the XXXX data breach I tried to dispute the error they claim it is mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXXXXXX BALANCED {$0.00}
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

So Equifax wants to close my complaint because they lied. EVERYONE HAS A FICO SCORE. The bureaus don't want to delete all those negative items removed from my account. How you close my complaint when EVERYONE has a FICO SCORE. You have my information and you font want to fix the issue. By law you have to delete due to lack of communication in a 8 month period. Please delete those negative items. You have my address I just got a letter from you. So Equifax lied I have proof they have my correct information. Please advise and delete every negative items. You can contact me directly if you like i have the proof here..
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information by having a vulnerable public-facing website that allowed hackers to access and distribute my personal and financial information. Equifax did not directly notify me of the breach, instead I found out through the news. Now, because of their mistake, the burden is on me to additionally protect and monitor my credit for the foreseeable future. They are doing the bare minimum to assist their customers in the aftermath of this breech, offering only a year of free monitoring service that will be auto-renewed after a year, potentially costing me money if I forget to cancel it. If I choose to freeze me credit, that cost would be mine to bear. 
NOT TO MENTION the insider trading that took place when several of their executives sold their stock in the company before the breach was made public. Totally unacceptable and morally reprehensible!! 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I, and all of their other customers, are compensated for their negligence and that something like this does not occur again.
Product: Credit reporting or other personal consumer reports

I recently conducted and real good look at my credit report and became very upset to discover that I have fallen victim to identity theft. Multiple accounts, which I did not open, have surfaced on my credit report, causing me significant distress as I am currently in the process of moving forward financially. I kindly request the prompt removal of these fraudulent accounts from my credit report. Thank you for your assistance.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Im XX/XX/2020 via telephone call to ( XXXX ) XXXX, I requested validation of the service address for said {$190.00} debt IC System claims I owe. To this date I have not received that information. My previous dispute asserts that this debt is not my debt, however, despite this, they continue to report it as mine on my XXXX  credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( XXXX  and Transunion ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, XXXX # XXXX. 
XXXX  did remove it.
Product: Mortgage

In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy, under 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions and under 15 USC 1666 B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

In XX/XX/, United Wholesale mortgage reported a late payment. 

Additionally, at the time of the reported late payment I was infected with XXXX  and under the protection of the CARES ACT, it prohibits lenders from reporting negative information to credit reporting agencies. 

I have tried numerous times to get this resolved directly with UWM, but all they do is send a generic response every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing to all three credit bureau 's to get a Bankruptcy off my credit report that the credit bureaus keep stating that it was verified. I have sent them multiple letters since XXXX asking them to validate the information that is being reported on my credit report. Actually, I have sent them a letter or two every month. TransUnion and XXXX  haven't responded to my letters to verify the bankruptcy. 

I also have sent the three credit bureau a letter from the bankruptcy court stating that the bankruptcy wasn't verified by the bankruptcy court. I wrote them back supplying them with the letter the bankruptcy court supplied to me that states that they do not report to any third parties or credit bureau 's. XXXX stated that the bankruptcy was verified. As of XXXX of XXXXit will make a year that I have requested the three credit bureau 's to remove the bankruptcy off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported Experian to CFPB. Experian responded thru CFPB that they would remove negative and closed accounts and ti refrain from reporting any negative item ( late payments etc ) As of XX/XX/2023 these items still remain on my credit report. I expect CFPB to do their job and enforce any violations. I filed a complaint last night on Experian and received no response or acknowledgment of the new complaint due ti Experian continuing to show closed and negative information on my credit report. I expect CFPB to do their job. All violations will be enforced and penalized for misuse of my personal and financial information even after you were warned and instructed to refrain from usage. and to remove from my report. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presuri that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. HJR 192 Public Law 73-10. FCRA. RICO Law. 18 U.S. Code 242 - Deprivation of rights under color of law. 15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Debt collection

Performant Recovery is harassing me with the amount of phone calls I receive. They call me everyday multiple times throughout the day and they've also called me repeatedly before XXXX.

They are also calling my place of employment everyday more than once throughout the day. They have even faxed my employment several times.

They have also contacted my neighbors on several occasions. My neighbors had to resort to blocking their contact.

I can provide phone records of the call history with this company as well as the call/fax history with my employer.
Product: Credit reporting or other personal consumer reports

There are XXXX collections on my credit report that need to be removed. They got charged off in 2016 but they keep reappearing as new collections, so i think the collectors are re-aging my debts. Ive contacted them twice and even the company and they are refusing to provide me with documentation.
Product: Credit card

On XX/XX/XXXX, I purchased {$940.00} and on XX/XX/XXXX, I purchased {$500.00} worth of goods using XXXX XXXX XXXX XXXX XXXX Issued by Citi Bank ( XXXX XXXX XXXX XXXX XXXX from XXXX XXXX under promotion of free interest for XXXX months and XXXX months. 
On XX/XX/XXXX, I paid minimum payment of {$29.00} as required by XXXX XXXX XXXX XXXX. 
I made additional purchase of {$290.00} worth of goods. 
On XX/XX/XXXX, I paid a total of {$320.00} ( minimum payment of {$29.00} + {$290.00} ). 

XXXX XXXX XXXX XXXX charged me {$3.00} on XX/XX/XXXX and {$4.00} on XX/XX/XXXX as Interest Charge on Purchases. 

I called XXXX Customer Service number on the back of card to dispute the charge and waive the Interest Charges. The customer Service waived {$4.00} but did not waive {$3.00}. She said I will be charged interest on {$290.00} until the balance of {$940.00} and {$500.00} is paid off and I can not pay off {$290.00} until I pay off {$940.00} and {$500.00}. 

On XX/XX/XXXX, I paid off balance of {$940.00} and {$500.00} and closed off my XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX has a balance of {$3.00} that it wants to collect from me. 

This is a scam saying XXXX months and XXXX months interest free promotion.
Product: Credit card

XXXX XXXX sold me a fake Apple XXXX XXXX XXXX XXXX, and denied my return. I filed a chargeback with Apple Card support, and they denied it on the grounds that " XXXX provided evidence to the contrary '' but have not provided me the evidence yet.