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

I have recently reviewed my consumer report and discovered items listed that result in misuse of my report and violate the law. I did not give any written instructions for these accounts and alleged late payment transactions to be furnished on my report. One of the reporting companies agreed to remove the late payment information, but no action has been taken. 
XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed an inquiry on my Credit Report from Piles XXXX in XXXX XXXX, KY pulled in XXXX of XXXX. I called and was told I would get a call back. The finance manager called me back and admitted a hard inquiry was done by mistake he had no record of why it was done but admitted his name was on it, so he was the one that pulled it. He had no recollection of doing so or why and he apologized. He said my info was still in the computer from XXXX so I asked him to delete it right away and to report to the Credit Agencies that the inquiry was a mistake. He said he would see what he could do and that was two weeks ago and I have not heard back. I filed a dispute with the credit bureau and got a reply that the credit was in fact pulled so they would no remove the inquiry. I am trying to buy a house!
Product: Credit reporting or other personal consumer reports

In XX/XX/23 I paid off my car loan with XXXX XXXX, the paperwork I got back from XXXX shows my account paid in full. All three of the major credit bureau show the account closed, which is not accurate. XXXX did not report my account correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 at XXXX, A representative for Equifax picked up my certified mailed letter for a collection placed on my credit report by a collection agency, XXXX  , in which I requested an investigation on the validity of the account. On XXXX XXXX, I reached out to the original creditor, XXXX, to discuss the ownership and authority to collect the debt. XXXX stated they were the only ones who owned the debt and have authority to collect. The debt was closed out on XX/XX/XXXX with XXXX. On XX/XX/2022, Equifax mailed a report with Confirmation # XXXX, with the XXXX collection account listed as Customer Disputes the Account Information along with the status as Unpaid and a Balance of {$570.00} reporting. On XX/XX/2022, Equifax mailed a report with Confirmation # XXXX, with the XXXX collection account listed as Customer Disputes the Account Information along with the status as Unpaid and a Balance of {$570.00} reporting. As of today, XX/XX/2022, I never received any results that an investigation was completed. However, On XX/XX/2022, I did receive a notification from MY FICO Credit Monitoring that Equifax updated the XXXX collection account as Paid. Ironically, also on XX/XX/2022 at XXXX, my certified letter was delivered to Equifax inquiring why this inaccurate account was still on my credit report and why hasn't my request for an investigation been completed. I attempted one last time to communicate with Equifax regarding this matter before filing this complaint by calling to speak to a representative on today, XX/XX/2022. I explained my situation just as I have here and the representative 's reply to me was, " Do you want to open a dispute? '' I asked, " What happened to my request that you received on XX/XX/2022. '' The representative responded, " I don't know ma'am but if the furnisher reported this then it must be right. '' I told him that he was very unprofessional and per my rights ( 15 U.S.C. 1681e ( b ) ), you are required to make sure that items on my credit report are accurate and just because the collection agency ask for you to put something on my credit report does not mean that it is accurate. Also, per my rights ( 15 U.S.C.1681i ( a ) ( 1 ) ( A ), you are required to investigate any item that I request to have investigated on my credit report. '' He then apologized and asked, " Do you want to open a dispute? '' I then asked, why did you all decide to update my credit report after receiving my request to provide verification that an investigation was completed. The representative responded, " I see that you are refusing to open a dispute on this account. '' I told him, " No, I am not refusing to open a dispute and that I will be forwarding my complaint to the CFPB. '' Again, My request for an investigation was not completed. I have uploaded information to assist with my complaint. This is a direct violation of my FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i was sent email from XXXX XXXX XXXX saying that XXXX XXXX reported two cases at a home where I never rented from or signed a lease too on my credit report and consumer report. The property was leased to my father and we share a name. Its preventing me from renting a home for my XXXX child and family. I started a dispute process however, it can take up to 60 day when i have until XX/XX/XXXX. I never missed a single rental payment please help me clear my name. Equifax I believe is the credit report its pulling from ive told them in the past of this issue however it was never resolved even though i sent in documents XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for over a year and nothing has been resolved. 
PER 17 CFR 248.7 by law Preferred lease informed me this was a no credit check application. Preferred lease, XXXX, XXXX  and XXXX were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did XXXXThey have been reporting fraudulent information on my consumer report I have sent in police reports and ftc reports and they continue to report illegally to my consumer report. Due to the privacy act of 1974 it is very illegal to obtain my information without notifying me first, I have no knowledge of this account i have no knowledge of who these person are. I have never given this company my information and the way my information was obtain is a privacy act of 1974 concern. Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have 4 days by law to remove thier information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance 15 USC 1681n .
Product: Credit reporting or other personal consumer reports

I have six hard inquiries on my credit report. the company did a hard credit pull with me knowing. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the tair credit reporting act. The list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX 15 U.S. C 1681 section 602 A. States I have right to privacy 15 U.S.C.

Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states no 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 that 7 years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is accurate.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX  Balance {$0.00} Open Date XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I opened a Capital One 360 checking account with promotion code BONUS400. Per the terms of the order, if had to : open a 360 Checking account between XXXX XXXX. ET on XX/XX/XXXX, and XXXX XXXX. ET on XX/XX/XXXX and enter promotional codeBONUS400. Then, I had to receive at least 2 direct deposits totaling {$1000.00} or more to my 360 Checking account within 60 days of account opening. 
Then, I would receive my {$400.00} bonus to my checking account. 

I received two direct deposits of {$500.00} each on XX/XX/XXXX and XX/XX/XXXX, totaling {$1000.00}. So I completed the requirements nearly 3 months ago, but I still have not received my {$400.00} bonus. 
I called the company, and they said I did receive the direct deposits of {$1000.00}, but that I had not entered the code BONSU400 when creating my account. 
This is patently false. I did enter the code, and I have a screenshot to prove it. See attached screenshot that shows my name, account number, and promo code of bonus400. 
CapitalOne said they would create a case and look into and respond within 1 month. They could not give me a case number and there is not way for me to track my case. 
I need CapitalOne to pay me my {$400.00} immediately as I am legally owed per their own terms.
Product: Credit card or prepaid card

I submitted a complaint with XXXX. The basis for the complaint was that Bank of America fraudulently closed my account ( as " approved in error '' ) right before I met the promotional bonus and then asserted that because the account was closed I lose the promotional bonus and the rewards earned from the already completed spending. Bank of America earned money from my spending over 90 % of the promotional bonus requirements - I estimate conservatively that Bank of America received {$55.00} at a conservative 2 % credit card processing fee on the {$2700.00} I spent. I requested {$910.00}, the cash value ( based on Bank of America 's valuation ) of the promotion fraudulently withheld. Bank of America agreed with the facts as I presented them in my complaint. But Bank of America 's response did not address this fraudulent closing of my card. Instead they asserted that because the account was closed, points could not be redeemed. The card agreement, and state and federal law, do not allow Bank of America to close an approved card as " approved in error '', that has spent 90 % of the promotion requirements that they have benefited from. Moreover, Bank of America was unjustly enriched.
Product: Debt collection

Please see the attached. It has been more than 30 days and no response from no where regarding this FRAUDulent account reporting on XXXX. Please remove it.
Product: Debt collection

They call me everyday 3 times a day. Plus they posted negatives comments on my credit 3 times in XX/XX/XXXX alone. Once on XX/XX/XXXX, again on XX/XX/XXXX, then again on XX/XX/XXXX in a concerted effort to lower my credit score. It for a XXXX that I have disputed but they will not listen to me and demand I pay money that I do n't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, I contacted Equifax through certified mail informing them that I was a victim of identity theft, and that I had a fraudulent account on my credit report. On XX/XX/2019, I received a letter from the collection agency that had the fraudulent account stating that they were no longer going to try and collect on the fraudulent account, and that they would request a deletion from the credit bureau. When I received the letter from the collection agency, I had already sent a letter to equifax requesting an investigation. 

On XX/XX/2019, I received correspondence from equifax requesting documentation to verify my identity. The request was confusing because when I first contacted equifax, I sent to them through certified mail a copy of my drivers license, lease, passport, social security card, and utility bill. However, I resent to them the same documentation per their request. 

On XX/XX/2019, I received an email from equifax stating that my dispute was completed and that they had determined that the account in collections was my account and that they updated the account as paid in full, but the account would still remain. 

After I received that information from equifax, I sent them another letter XX/XX/2019 along with my FTC report that I had filed, and the letter from the collection agency notifying me that they were ceasing their collection efforts and that they would request a deletion from the credit bureaus. I asked equifax in my second letter to them to provide me the method of their investigation, because if the account was investigated, then equifax would have known that the collection agency was requesting a deletion for the account. 

Today is XX/XX/2019, and I have not heard from equifax about the collection account and the account still remains on my credit report. 

I have attached the second letter that I sent to equifax, along with the letter that I received from the collection agency.
Product: Credit reporting

On XX/XX/XXXX I obtained a copy of my credit report from Transunion and noticed that Transunion has allowed a company named XXXX XXXX XXXX to reinsert a debt that was previously deleted from another collection company due to fraud. What is happening is that the credit bureaus keeps allowing whatever collection company purchases this account to add it back to my report because once I fight for my rights through the CFPB and the debt is removed. Every few months another company buys the debt which now its ( XXXX XXXX XXXX ) reinserts it changes the dates and amounts and list it negatively on my report again. Most recently they have not payment history for the last 2 years but have the debt listed as being open in XX/XX/XXXX and a balance of XXXX as of XX/XX/XXXX. This is NOT true and a total lie in an attempt to ruin my credit. I have NEVER received any correspondence from XXXX XXXX XXXX and want this removed from my report asap! This is against the law. They have violated the FCRA Section 623 ( a ) ( 3 ) and FDCPA Section 807 ( 8 ).
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX {$2500.00} XXXX XXXX {$380.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX {$22000.00} XXXX XXXX {$1000.00} XXXX   XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX   XXXX {$87.00} XXXX XXXX XXXX $ XXXX XXXX   XXXX {$420.00} XXXX XXXX XXXX XXXX {$91.00} XXXX XXXX {$730.00} XXXX XXXX {$710.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of XX/XX/2018 I started to receive notifications that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX had place a bad debt on my credit report with all 3 bureaus. On XX/XX/2018 I sent XXXX a letter to validate this debt as prior to and up to now I have never received any type of correspondence from this company. I also mailed a copy of this letter to all 3 credit reporting agencies. I never received any response from XXXX however each bureau responded by saying the debt doesn't currently appear on my report when it actually does appear on each report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey my name is XXXX XXXX XXXX and i have tried many times to rectify this issue with transunion. At this point i feel that i have been taken advantage of and treated unfairly. I have sent many dispute and this company just fail to follow the law and properly investigate this matter. these negative items on my consumer report has made it extremely difficult for me to obtain any type of credit.b I am hoping we can rectify this issue and remove the fraudulent items from my consumer report
Product: Checking or savings account

On XX/XX/2021 I used my card ending in XXXX to buy sneakers from XXXX that cost {$140.00}. Once I returned them I then requested XXXX to start a return and they did. I dropped the sneakers off at XXXX and got a return receipt. I then was told my {$140.00} would be issued back to my Chime card ending in XXXX. Because of this not being refunded when I thought it would I filed a dispute. Chime denied my dispute ( XXXX ) and representative stated if I had new evidence they would file a rebuttal. I then provided them with my XXXX  return receipt as well as adidas updated status stating my funds were returned back to my card ending in XXXX. However the next day they denied my rebuttal stating no error occurred. I then contacted XXXX via chat and they informed me that they tried sending my funds back twice to my card ending in XXXX and chime denied my refund. They stated I needed to contact chime, which I did and it was on Thursday XX/XX/2021 @ XXXX where I spoke with chime rep XXXX and XXXX representative and he informed the chime rep that they tried to process the refund twice back to me and it kept being blocked. The chime rep had no response. He also stated he would escalate this and gave me incident number XXXX. On XX/XX/2021 @ XXXX est I called the dispute department and the rep stated he saw my claim was still denied even with the supporting evidence that shows I indeed sent the merchandise back and was told by the merchant my funds were sent back to my card. This has been overwhelming and I would like my funds to be issued back to me as well as an apology from Chime
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 or other personal consumer reports

This account is fraudulent. The account was previously deleted with all three credit bureaus XXXX, XXXX  and XXXX. However, XXXX  is the only credit bureau that has reopened the account and it needs to be removed immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX there was a money transfer to an unknown account in the amount of {$470.00} when I logged on the Bank Of America Website a few days later and realized the money was gone out of my account it said edd/unemployment had taken the money out so that was a red flag to me so immediately I canceled the card and I called Bank Of America and that was probably around the XXXX or XXXX of XXXX now fast forward as Im talking to the fraud represenative i happen to be looking at my transactions and now it shows up as a regular atm withdraw so the represenative asked me if i wanted him to make sure the card was canceled and he again would issue out me another card and he would put a rush out on it and i told him that would be fine so im still wainting to hear back results i just received my debit card in the mail 3 days ago even though it was supposed to be here via rushed ups 1-3 business days be because the first one never came and that was only because I had to call bank of america back again because the card never came. So this has not been an easy process.
Product: Credit reporting

I was a victim of Trans union in XX/XX/XXXX i look on my credit 20 inquiries was removed from my credit report but the same day they reinserted back again and never properly informed in writen in 5 days also in XX/XX/2017 11 account was removed but on XX/XX/2017 was reinserted back in my credit report and they didnt informed me i call trans union and talk to costumer service and informed about the problem but they only told me that nothing and try to talk another think that i didnt ask they dont help full i send then a dispute letter certified on XX/XX/2017 for dispute inacured accounts they are in violation of the Fair credit reporting act section 611 they never send me any letter to let me know about this in attach you see when was removed and when was reinserted also the certified letter
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  : {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range.