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

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed ITEMS from my credit report as well as update the ITEMS from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 XXXXXXXX
Product: Mortgage

XXXX-application with no help from lender ( Guaranteed Rate XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX-said nothing about DPA but said I didn't make enough money/convinced me that she can work with XXXX XXXX/asked for XXXX down or get a co-signer with income over XXXX  XXXX-asked for pre-approval for a cheaper property with no response XXXX-asked for a denial letter with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

After noticing an erroneous debt appearing on my Experian credit report in XXXX I called the name of the firm on the report XXXX XXXX XXXXXXXX XXXX. at ( XXXX ) XXXX and discovered they were a collections law firm representing a debt buyer for some company XXXX XXXX XXXX in the amount of XXXX. The problem was that it was not my debt. I never heard of them and they had no details whatsoever. I then submitted a dispute with Experian and the derogatory reporting still remains. Apparently Experian made no effort to have the case investigated and are taking the information from corrupt debt collectors over innocent consumers without having them provide documentation.
Product: Checking or savings account

Capital One 360 checking has issues with debiting account. I moved money from one account into the checking prior to transaction yesterday. I woke up this morning to a negative balance even though there was enough money in checking account and I made no other transactions. The current balance states I should have way more money in the account that what is being displayed. This has been an ongoing issue since i recently opened this account. It seems as though they are double debiting the account. I have night deposit fees from a hotel that have not been refunded. I left the hotel almost 2 weeks ago.
Product: Debt collection

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. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, SYNCB/LOWE 'S XXXX add a hard inquiries on my credit report per XXXX. There was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine.
Product: Debt collection

On my credit there is a charge for XXXX dated XX/XX/XXXX. The original creditor name is XXXX XXXX XXXX. 
The collection is Conrad credit corporation. I have in the passed reach out to them to assure them I have no knowledge of this transaction. As well as my XXXX XXXX XXXX so there is no way I can have an XXXX. I reached out again XX/XX/XXXX which they had reminded me of a statement I wrote and agreed they have notes stating this is a situation of identity theft. I told them that name is my sister which I do not have contact with and have no knowledge that she used my information. They assured me it will be taken care of they did have to contact the company again to verify this information. On XX/XX/XXXX I recieved a call back with a very aggressive tone stating I am on camera taking my sister to this clinic wish I do not deny. As well as she still very aggressive tells me this is fraud and will stay on my record and they are very upset and will be coming for me. As I recall I showed Id stating my name and d.o.b to be able to escort my sister out the building after procedure. I had no knowledge of her using my information where will this even make sense she going in with my name d.o.b so on and I show id with the same. This is not my fault she used my information or that the clinic did not pick this up. I should not have to suffer with this on my credit report for the negligence of XXXX XXXX or should I been threaten by a debt collector I am reaching out for for help. I feel violated and judge with out a jury or trust judge for this lady to insist that actions will be taken against me and this will stay on my record. Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This complaint is a follow-up to CFPB complaint # XXXX. 

I was contacted by telephone by XXXX XXXX from Bank of America on XX/XX/2020. She left a voice message for me stating she was calling about my complaint and that I should call back XXXX XXXX at XXXX, ext. XXXX. 

I returned the call the same day, XX/XX/2020, and was sent to voice mail. I left my name and contact number. I tried calling back on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. Each time I tried calling back I was sent to a voicemail for XXXX XXXX. Each time, I left my name and telephone number for Ms. XXXX to return my call. 

On a couple occasions I tried to get an operator or another representative when I called the regulatory complaint servicing telephone number ( XXXX ). I even tried contacting the general customer service line for Bank of America to see if they could connect me with the regulatory complaints servicing area. On the two times I tried calling the general customer service line, I was on the call for over 45 minutes as the customer service representatives diligently tried to find a regulatory complaints servicing representative. During both attempts the call was ultimately disconnected by the bank. 

My initial frustration with the Bank 's error in closing my account has been compounded by the frustrating process that their regulatory complaint servicing process has introduced. 

Additionally, I received my XXXX statements for both accounts which still reflect an available balance, even though the bank tells me the accounts are closed. I have attached those statements for your reference. 

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

Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please ensure that all information is accurate I was involved in a car crash, which resulted in my car being totaled and Gap said it wouldn't cover my claim due to them stating it was a DUI. Later to find out it was not a DUI and the gap still hasn't covered the remainder of the bill. I have provided the conclusion of the court case, proceedings and gaps bill. 
2. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate 3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 4. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate 5. Validate Account XXXX XXXX Account XXXX : XXXX Please ensure that all information is accurate 6. Validate Account XXXX XXXXXXXX XXXX  Account Number : XXXX Please ensure that all information is accurate 7. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 8. Validate Account XXXX XXXX Account Number : XXXX Please ensure that all information is accurate By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Mortgage

I sent a request to the servicer asking them, among other things, to correct the spelling of my wife 's name on our newly established loan account. I also asked them to fix our mailing address. I mailed the request and e-mailed it to the addresses provided to me by the company. The company e-mailed me back saying that I had to mail the request for a name change to the address where I already mailed the request. They also asked for additional documents showing the new name. But I did already mail the request to the address described and there is no name change. They just entered it wrong when they originally setup the account. All the origination paperwork is correct. They just need to look at the origination paperwork and enter the correct information, including my correct mailing address and my wife 's correct last name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never got a mortgage with XXXX XXXX XXXX XXXX and I request them to provide a contractual agreement ( mortgage ) as proof I applied or have a mortgage with them. Not address or statements is not proof actual contract. 



Highest Balance {$140000.00} mortgage balance opened dateXX/XX/XXXX closed date XX/XX/XXXX term 360 months Monthly Payment {$1300.00} Date of last payment XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am upset to know that my information has been compromised and used under false pretenses. I have not authorized any of the false inquiries impacting my credit. I have no knowledge of any of these inquiries and would like them removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Bank USA/ Target Cred # XXXX is reporting an account to my credit that is past the Statute of Limitations in Utah XXXX I no longer legally owe this debt and I need it removed off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax found out in XXXX that they had been victim of a hack that exposed my personal, identifying information as well as my credit report. My information has been confirmed to be included in the hacked information. I have been a victim of identity theft in the past, and the most recent incident was around XXXX, when the hack took place. Equifax should have notified us as consumers about the hack as soon as they knew ; instead, they chose to sell their stock and hold onto this information until they deemed it necessary to let the cat out of the bag, exposing me and millions of others to potential theft and loss of funds. I have personally lost several hundred dollars in fees and interest to people who stole my identity since this breach took place.
Product: Credit card or prepaid card

Dear XXXX XXXX, Were currently reviewing your account- we may reduce your credit limit.

What this means As a responsible lender, were always monitoring our Card Members accounts. Based on what we know about your payment history and current debt with American Express, as well as your credit scores and other credit bureau information, your account is being reviewed for a possible credit limit reduction.

What you can do Make a payment towards your balance to maintain your current limit - we wont take the action stated above if you make a payment of {$1900.00} within three days of receiving this email.
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. 

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. 


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 or other personal consumer reports

Im not liable for this debt Creditor : XXXX XXXX XXXX XXXXXXXX I don't have a contract with this agency.They didn't provide me with original contract as requested nor my signature The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

I looked at my XXXX, Equifax credit report on XX/XX/year> 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 as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been 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: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX BANK XXXX XXXX Open Date XX/XX/XXXX Balance : {$5100.00} XXXX BANK XXXX XXXX XXXX XXXX Date XX/XX/XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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. Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My fraud dispute was improperly denied ; I in no way ever intended to authorize a charge of {$2800.00} to an organization I have never heard of. I was the victimof a skimming attack where a hidden scanner or phone charged me for an amount when I was attempting to make what was supposed to be a small donation to a purported charity. I was not ever informed about a donation or charge amount of that magnitude ; BMO 's purportedfraud protection never gave any notice of a suspicious transaction. I only discoveredit by checking my account manually. 

I was under the impression this had long since been settled ; XXXX  days have passed since the initial dispute was filed. Their claim that I " had the card in my possession '' at the time completely ignores the method in which I was defrauded ; I was unaware of the existence of a second scanning device. To pull this money back out at this time is both disgusting and completely inaccurate. 

I have been a loyal BMO customer for most of my life. The fact that this is the treatment I receive the first time I am the victim of fraud is absolutely vile.
Product: Credit card or prepaid card

On XX/XX/XXXXOn XX/XX/XXXX, I went to my nearby Bank of America ATM ( ATM ID : XXXX, Serial number : XXXX ) to make a cash payment for my credit card. I put my credit card and chose Make a Payment option and then I chose Cash payment. Atm asked me to put can, and I put the cash of amount {$660.00} into the atm machine and it starts counting. And as soon as counting finished the ATM shows me transaction cancelled and gave only around {$170.00} cash in return. After that no receipt from the atm was provided to me and I can not see any reported transation into my account statement. I was missing approx. {$480.00} which atm machine ate. I contacted bank of America on that same date of XXXX XX/XX/2021 and when I complained about it, bank s agent told me to wait for 10 days for this issue to be resolved. After waiting for 10 days I contacted them again and now they told me again to wait for 2 months. This is not what I expected from the bank.
Product: Credit card

I used paypal credit to purchase some plane tickets. I received a promotion that said I would n't be charged interest for 6 months. If I paid the total amount before 6 months were up, no interest would be charged. I have no idea when my 6 months are up because I was n't able to access the billing statement on paypal.com. I 'm assuming that since I bought the tickets last month, I have till XXXX 2016. I tried to go in today to make a payment but I could n't. Paypal faqs state that the link to make a payment is under the " Money '' category. There was nothing there. I tried logging in through BillMeLater and it directed me to the same paypal page with the same instructions. No matter what I did, I could not find a way to make a payment. Finally, I remembered receiving an email saying that my statement was online. I clicked on the link in the email and it took me to the right place. I should n't have to resort to last ditch efforts like this. If paypal is going to be issuing credit then it needs to stop hiding the payment page.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A COMPLAINT WITH XXXX AGAINST XXXX XXXX  AND THEY REMOVED ALL CHARGE OFF FROM MY REPORT EQUIFAX IS STILL REPORTING INFORMATION THAT WAS DELETED AS CURRENT ON TIME PAYMENTS Requesting MONETARY RELIEF DUE TO INACCURATE REPORTING OF INFORMATION ACCOUNT NUMBER : XXXX 15 USC 1640 CIVIL LIABILITY
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victims of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in process f buying a home for my family. Please removed these fraudulent accounts from my credit report as soon as possible. 
1. State of MI Office XXXX XXXX {$10000.00} 2. STATE OF MI OFFICE XXXX XXXX {$11000.00} 3. STATE OF MI OFFICE XXXX XXXX {$33000.00} 4. STATE OF MI OFFICE XXXX XXXX {$5100.00} 5. XXXX XXXX XXXX XXXX {$840.00} 6. XXXX XXXX XXXX {$570.00}
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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I am writing to seek assistance regarding an issue I experienced with a XXXX payment. In XXXX I mistakenly sent a payment via XXXX to the wrong recipient. Upon realizing the error, I promptly contacted XXXX to cancel the payment. Unfortunately, I was informed that nothing could be done to reverse or cancel the transaction.

Given the circumstances, I am reaching out to request your intervention in resolving this matter. I believe that more could have been done to assist me in rectifying this mistake. Your help in this situation would be greatly appreciated.