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

I ordered my credit reports from XXXX. I selected all three bureaus and only XXXX has sent me theres. XXXX  has a XXXX number and is easily able to be reached while Equifax is very difficult to reach and when trying to submit a complaint asks for a confirmation number from my credit report but they still have not sent one.  Every time something is removed from my transunion file such as XXXX XXXX it goes on my Equifax report. I am noticing this through XXXX XXXX because I dont have access to anything at Equifax. This is MY information. I also filed for bankruptcy XX/XX/XXXX, have been to the meeting of the creditors and everything is supposed to be Discharged XX/XX/XXXX. I talked to a transunion official and he said well ... all the information will still remain? I do not understand. I thought a bankruptcy chapter XXXX was supposed to wipe your slate clean and give the consumer a fresh start. I am an XXXX XXXX Beteran after serving 8 years in the XXXX. I noticed on XXXX XXXX that there is a XXXX  balance of XXXX dollars after 11 years. I called XXXX and they said they couldnt even find my name. Everything was payed as agreed but it looks like to me there is no justice for the consumer. Equifax should have an open line that is easy to get in touch with a real live person on the other end to talk to. I was cut off several times and it kept asking for a confirmation number even after they wont send me a credit report. I hope someday to be able to afford a mortgage even though Im just a middle class American.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts was never authorized to report on my credit :. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Last four of XXXX XXXX XX/XX/XXXX To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific fraudulent accounts listed on my credit report. As a victim of a data breach, my personal information has been used without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of the following accounts : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$52.00}
Product: Debt collection

Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. XXXX  has already removed several of these unverifiable accounts and yet XXXX  and Experian are still reporting some of them. XXXX  in particular has not even responded to my dispute request at all. Experian is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation.
Product: Student loan

I have completed a two terms of service with XXXX as a XXXX XXXX XXXX, and have been awarded two {$5000.00} educational awards. On XX/XX/XXXX, I submitted a {$280.00} payment from my educational award, through the XXXX payment portal, authorizing this payment to my loan servicer, FedLoan. As of today, this payment has not been processed by FedLoan, or credited to my account. Further, on XX/XX/XXXX, I authorized another {$280.00} payment from the XXXX payment portal, from my educational award, which still has not been processed or credited to my account. On XX/XX/XXXX, I conducted an internet chat with a FedLoan representative, in order to see what can be done. I was not given any answers, and as of this morning, neither payment has been posted to my account. I have also made numerous phone calls, all without success as to why these payments have yet to post.
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 privacy and confidentiality under 15 USC 1681 XXXX Utility company with account # XXXX opened on XX/XX/XXXX and a balance of XXXX I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

2 XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

3 Collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$490.00}. The original creditor is XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

4. Public Record from a XXXX XXXX  Bankruptcy on XX/XX/XXXX. 
I dont recognize this public record. Please provide proof from the court of this public record. 

5. Public Record from a XXXX XXXX Bankruptcy on XX/XX/XXXX. 
I dont recognize this public record. Please provide proof from the court of this public record. 

6. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

7. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

8. Inquiry from XXXX on XXXXI dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

9 There should only be one address on file which should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete all other addresses. 

10. There should only be one Name on file XXXX XXXX. Please delete all other names. 



In accordance with the Fair Debt Collection Practice Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 15 U.S.C 1681 section 602 A. states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : 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 or 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 to any 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 have been trying since 2016 to get XXXX, XXXX  and Experian to correct my credit report. They take anything the creditor gives them and then closes the case. I am never notified, questioned or involved in the so called " investigation ''. I have supplied Identity Theft Reports, Case # 's, Emails to them proving my case. The original creditor no longer own the debt. I call and call and get no response. I have mailed things to the CFPB proving my case. I get empty promises, language barriers and forwarded to endless ringing lines, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX are the worst. XXXX XXXX and XXXX Bank are the worst to deal with. This is a one sided problem that needs to be fixed. I will be taking legal action immediately if this does not get resolved. This is fraud and as a US Citizen I want justice. It should not come to this. I have paid what I owe and done my due diligence. I am prepared to stand up for my rights as a taxpayer. I have asked for signed documents by me with my handwriting proving these accounts were mine and charges were me. I have never got anything. Every month my scores just drop. Please contact me so we can work together on getting justice for me. I am involved in so many data breaches and have not gotten any justice from that. The attorneys sure have. That is wrong. I am human too.
Product: Debt collection

XXXXXXXX XXXX sent my bill to collections at Bull City Financial Solutions who sent it to the credit bureau I was not aware of this .I was never contacted thru mail or phone. I was caught totally by surprise.I paid the ambulance company.And was told it would take up to 30 days.My score went from XXXX to a XXXX .My credit score is my life and their has to be some rules to keep this from making sure these companys dont just make up there own..
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a report with cfpb on XX/XX/XXXX # XXXX. I called XXXX 's again this morning in hope that they would repair my credit reports.. I was told that XXXX 's determined the accounts are mine and are going to try to collect from me again. 

I did find out that XXXX 's is sending the credit cards to a home I owned and sold a few years back. I am guessing here but I believe someone has reactivated an account I may have had 35-40 years ago. I just don't know how this person has my old address and now has my social security number and name. 

I own a condo in XXXX Oregon and moved here in XXXX. We had a home in XXXX since XXXX and moved here in XXXX. I kept my Ca phone number because of family in Ca. I purchased the condo in XXXX in XXXX. I haven't lived in Ca since XXXX. 

Someone is getting credit cards in my name and committing identity theft and fraud. Please contact XXXX XXXX and have them restore my credit. Thank you
Product: Credit card or prepaid card

Bank of America has made it very difficult to set up auto payment of the Bank of America Bill. I have had ongoing contact with them about how to set up auto payment. Other credit companies have an easy process. 

By making it a convoluted process, Bank of America profits from late fees and interest from people who would normally set up auto payment on their bills. Interested to see if BoA late charges are higher than other Credit Card companies. 

In my case, I have spent hours on the phone with BoA to try to set up auto payment on my accounts. 

Normally, this would be a good case for a class action suit, but the law was changed to not allow this in XX/XX/2017. 

Please investigate why BoA has such a bad process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my credit report and noticed there are inquires  on it that are damaging my credit score and my ability to obtain new credit is being jeopardized. I formally request that all non account holding inquires be removed immediately.
Product: Credit card

In XXXX of XXXX I opened Credit Card with Truist bank and received card ending with XXXX. 
Someone stole my credit card information and made purchases on XX/XX/XXXX. There were multiple transactions charged to my credit account ending XXXX. After i saw notification about first transaction that I didnt make or authorize i called Truist bank notifying of fraudulent activity. I was told that the transaction was submitted to investigation and card blocked, however couple minutes later I received another notification that one more transaction that I didnt authorize were posted to my credit card account ending XXXX. After that I called again Truist bank and they closed credit card for investigation and turned off my visibility to credit card account in Banking app therefore I could not see any activity, statements or make any payments associated with that account. 
XXXX XXXX I received letter from Truist that they dont think that those transactions are fraudulent and I am responsible for it along with any fees. Below are transactions in question. 
XXXX XXXX Account number ending in XXXX Total : {$930.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY {$25.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY {$3.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY {$900.00} I followed up with Truist on why that decision was made and was told that I used Credit card. 
Later I was told that Truist accidentally produced two credit cards for my account. However, I never received second credit card ending XXXX. Truist displayed on statement that Credit card ending XXXX was used to make purchases that I didnt authorize and have no relationship with. However I was receiving notifications that it was credit card ending with XXXX, but on XXXX stetment its displayed under account ending XXXX. Truist also changed my credit card account number from XXXX to XXXX that is associated with fraudulent activity for reason that unknown to me. 
Truist doesnt want to recognize the fact that they : 1. Made two cards for my account and mailed to me only one 2. I notified them of fraudulent activity and asked to block credit card, but they did not so second fraudulent transaction went through 3. They changed me with late fees where I could not access my account and see my balances until XX/XX/XXXX, where I am not liable for fees associated with late payment, as I could not make payment. 
4. Truist failed to recognize that i was in XXXX NC when transactions were made in New York
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 to any 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 am the author of this dispute and my ID and Social Security Card is attached for verification. I checked my credit report and noticed some fraudulent, incomplete and incorrect accounts. Below are the accounts that are reporting that should be investigated and DELETED by all credit reporting agencies. 

ACCOUNTS : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX ( Original Creditor : XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Theft via Capital One who allowed an account created in my name on XXXX. 

I was alerted and they canceled the account, saying was FRAUD. 

But they have Hard Inquiries on my account from that day. I put FRAUD ALERT on all Credit Bureas ; however they allowed another HARD INQUIRY on XXXX. 

They say it takes a lot of time to remove these things, but XXXX finally told me to file this report. 

They should be sued for allowing a second attempt without calling me due to the FRAUD ALERT, which is also now a Security Freeze. 

Thank you kindly, XXXX XXXX
Product: Checking or savings account

Phone was stolen out hands in XXXX by mobile scooter rider XXXX while out spending time with my family. Stopped in a branch to file a claim the next day XXXX and noticed my account had been compromised. A XXXX  transaction for {$270.00} had been made via my mobile banking without my approval. I expressed this issue to chase bank claims specialist multiple times when calling and inquiring about my fraud claim. Chase treated me terribly after already going through this embarrassing situation physically with my family. Chase at first stated originally after the claim was filed that I'd receive a temporary credit in XXXX hours for the full amount of the fraudulent charge. That quickly changed after inquiring about the claim to XXXX business days because it was a online mobile transaction. I received a denial decision on the claim XXXX after waiting XXXX  days for an " investigation '' to be completed. On that same day I contacted the claims department again and escalated the claim to claims management department looking for an answer as to why my claim was denied. I was told by the claims manager that she could see that the fact that my mobile device was stolen was overlooked. She stated to me that she was resending the claim for consideration due to the fact that my device being stolen was not heavily considered. She then went on to express to me that the reason the claim was denied was because the fraudulent transaction was in my " region '' and on my mobile device. In my opinion that's a pathetic answer for a XXXX day investigation. How is that even an investigation? As if I can control what a thief does once my device was in their possession. I asked chase to provide me with a ledger or receipt, something I signed for this fraudulent transaction of {$270.00} and they completely ignored my request. Also I've never sent this amount to the individual listed nor were they in my mobile banking contacts as someone I've did an eft with. Immediately after speaking with the claims management department and escalating the claim to be reconsidered, I was told by the claims manager that another decision would be made on the claim in XXXX business days to decided whether or not to overturn the decision. Due to chase be diligent about denying the claim, I didn't have to wait XXXX business days for a final decision. I was sent yet again a rapid denial on XXXX stating the transaction was approved which it was not approved by me. I will be closing this account with this company due to poor inconsistent treatment of their consumers. We do not live in time where you can afford to deal with an undermining financial institution.
Product: Debt collection

Amsher Collections is trying to collect a debt that is not mine. I have contacted them numerous times to inform them of this error. I have never signed an agreement with them or the institution which they represent identifying this is debt attributable to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times with Equifax to remove a medical collections from XXXX XXXX XXXX ( it placed at the credit bureau from Collector - XXXX XXXX XXXX ). 

I have spoken with XXXX XXXX XXXX Billing dept and they have informed me they have requested that the collection agency they use ( XXXX XXXX XXXX ) PULLED/REMOVE the collection from my credit report as it was pulled back " in-house '' into their office and was satisfied and should NOT be reported to the credit bureau. 

Each time I disputed the item ( based on my conversation with XXXX XXXX AS WELL AS MY conversation with XXXX XXXX ), Equifax does NOT Remove the item from my credit report. 

I have a letter from XXXX XXXX XXXX ( that they requested Equifax to PULL/REMOVE the collection from the Equifax b/c they had sent the concern bACK to XXXX XXXX and I also have a letter from XXXX XXXX Billing department that the collection should be REMOVED from the credit report. I do not know WHY Equifax is refusing to remove it!!!!!
Product: Checking or savings account

I am going through divorce, upon asking for bank accounts for my ex, I Found an application that he opened an account and added me to it and forged my signature, that was in 2013, just around the same time that wells Fargo had the big problem of opening accounts without consumer consent. 
I went to the branch, I verified that the box checked on the application means that I was not there. 
I brought it up to the bank, identity theft, fraud department, I was sent a notice that they dont consider it identity theft although it ruined my credit at that time.
Product: Debt collection

A company called XXXX XXXX has on my credit report that I owe them money, but they will not produce paperwork, nor will they give me the amount. I had identity theft the last 2 years, and this is part of that. I filed a police report, and I tried to speak to them, but they show nothing in my name. It is against the law if they do not show paperwork, and it must be removed from my credit report.