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

According to the FCRA, agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. 

XX/XX/2022 - XXXX XXXX  XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX  ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry XXXX XXXX XXXX XXXX XXXX  ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX  ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX ( unauthorized/unverifiable hard XXXX ) XXXX XXXX XXXX Dealer Services ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX, XXXX ( unauthorized/unverifiable hard inquiry ) I have attempted to dispute these inquiries with all three credit bureaus. However, they have all refused to investigate the inquiries and have informed me that Hard inquiries must remain on my credit report for 2 years and may not be removed.
Product: Credit reporting or other personal consumer reports

Account Name : JPMCB CARD Account Number : XXXX XX/XX/year> Reason : I don't recognize this account
Product: Credit reporting, credit repair services, or other personal consumer reports

The account reported to the credit bureau does not belong to me It belongs to my ex spouse who add me as second card holder without my consent. 
On the report it states that account is joint but I never sign an agrement with the credit card company but husband is the primary responsable. 
I disputed it with the credit bureau but it remains in my report wich I find unfair
Product: Checking or savings account

On XX/XX/XXXX I received an email invoice informing me from PayPal that I had an invoice requiring payment of {$540.00}. It also said if I suspected fraud the I should call XXXX. I did and they attempted to refund my money by me loging onto my laptop and on to my bank ( XXXX XXXX XXXX XXXX. They told me I filled out the form wrong and they transferred {$2500.00} instead of {$540.00}. I thought I did the form right, but they said I didn't. Now they wanted to get the remaining amount back by asking me to go to XXXX to get gift cards to total the extra amount that they sent and blamed me for not filling out the form correctly. (XX/XX/XXXXme ) XXXX was told to leave my computer on and to to XXXX. I went to my bank instead. They informed me it was a scam. The bank received a debit of {$440.00} from them. They are phishing. Pay pal had a small paragraph about not responding to this email.. but I didn't see it. XXXX XXXX was the name of the lady I originally talked to at this fraud connection with an account of XXXX XXXX. The funds taken out of my bank checking account was from XXXX XXXX ( XXXX ). from XXXX, which I never use. Bank Alert ID XXXX, referenced XXXX XXXX. I have a member ID also. I have closed my account and opened another. My computer was left on as they requested and they had access to my files, of which I am changing all passwords on accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these two accounts since XX/XX/XXXX. I have previously paid BOTH of these, they were not balances I owed, however, they were under my name and I was ultimately the responsible party in paying them. In which I did. I have asked multiple times for information from XXXX, XXXX, Equifax as well as XXXX, in which XXXX merely sent a statement for the {$130.00} account, no dates, no address, no information other than stating they do not have to provide that information. I sent that response to all three bureaus, and they again just verified the accounts. They updated the accounts as new late payments, new collections and new charge offs, absolutely destroying my credit score from XXXX to upper 400s. 
In order to salvage my credit, I paid the balances, again. This time I sent a letter for each check to XXXX, an agreement letter to pay for the immediate deletion of each account. Each check also has the agreement in the note section stating to only deposit upon the immediate deletion of the account, account number included for the relative check. Both checks were deposited before XX/XX/XXXX, and both checks cleared my bank on XX/XX/XXXX ; however neither of the accounts have been deleted from my reports. I have sent XXXX, XXXX and Equifax a statement regarding the pay for deletion, and they verified the accounts to still reporting accurately. I attempted to call XXXX 's billing department, when googling the billing department phone number, attached a link you must agree to to get the appropriate phone number. Now I can see how the consumers, who were once thought of as customers, have no ground to stand on and will be bullied into paying any debt XXXX claims just to keep them from a personal attack on your credit ; even if it means paying two balances, twice. I just want these accounts removed from my credit report as was agreed when XXXX deposited my checks. For a multibillion dollar company, one would think XXXX would at least pretend to concern themselves with the consumers, of whoms backs they built their empire on?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Equifax and XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX  XXXX XXXX Balance : {$5100.00}.
Product: Credit card or prepaid card

Hi there. I would like to notify you that some charges on my account are fraudulent. I was the victim of a scam which is fraud. 

The person who scammed me has been reported to the local police and the FBI. His name is XXXX XXXX and he can be reached at XXXX. His number is XXXX His partner is XXXX XXXX and she can be reached at XXXX. My police report is on file with the XXXX County Police  Department. 

The following charges are fraudulent and should be removed : XX/XX/2018 XXXX XXXX {$8800.00}.
Product: Mortgage

PHH Mortgage Services has failed to apply my principle only payment of {$5000.00} made on XX/XX/XXXX. This money is being held in what they call a suspense account. The check was mailed to their address for principal payment and included a cover letter with specific instructions to apply to " principal only '' and the check also indicated this. 

This situation also occurred in XXXX with a {$4000.00} principal only payment. 

This company has demonstrated a pattern of deliberate misapplication of funds to have use of my money during the period taken to correct the problem.
Product: Credit reporting or other personal consumer reports

I am writing to address the inaccuracies regarding the bankruptcy being reported on my credit file. The case that you have marked as valid and accurate is, in fact, incorrect. There has been no case brought to trial or adjudicated upon. There is no record of any judgment associated with this matter. Without a judgment, it is evident that no case existed. There was never a judicial review of this matter, so the reporting of such is erroneous. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
I urge you to promptly remove this account from my credit file. Failure to do so, without proper verification of the information, will necessitate legal action. I have already consulted with my attorney regarding this issue, and if the misinformation is not rectified within 30 days of this correspondence, legal proceedings will be initiated.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Failure to Delete Fraudulent Accounts from Credit Report violanting the law FCRA To Whom It May Concern, I am writing to file a formal complaint against [ experian ] for their failure to remove fraudulent accounts from my credit report as required by law.

I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following accounts remain on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I asked Carrington Mortgage Services to validate and verify information on my credit report. I have received no correspondence or documentation related to my request. I called XX/XX/2021 and XX/XX/2021 and both times was told that I should receive documentation in 30 days. I still have not received any correspondence while these negative marks are hindering my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX ( Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am demanding the following item be investigated under FCRA 15 USC 1681i7. These items are reporting as late and this is false. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Sales Contract and XXXX XXXXXXXX. 

Also I have never received any of the information required in 15 USC 1637b as it relates to 15 USC 1666b. I am expecting a response in 15 days per 15 USC 1681i7 : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Product: Checking or savings account

To whom it XXXX concern, I have been a bank of Americ customer for XXXX years... On XXXX XXXX, 2024, I made at least XXXX login attempts to my Bank of America XXXX account XXXX their website and mobile app with my cell. As is standard, I was required to complete username/password authentication and i was able to successfully complete that without any issues. 

Afterward, the bank 's website indicates that I need to contact the bank from the phone number on the screen to speak with a representative who can provide me with an authorization code to auth into my account. For context, this is different from the standard XXXX approach using email, SMS, XXXX via an authenticator app, etc. I was not given the opportunity to auth into my account with these other standard XXXX methods but I'm confident that if given the opportunity to do so, I could have successfully logged in by now. 

Anyway, each time I called Bank of America, I was put on hold or given a call back for like XXXX minutes ... I have spent the last XXXX hours trying to get back into my account to no avail.. 

During my calls with Bank of America, I have successfully verified my full legal name, full bank account number, social security number/SSN, full debit card number, debit expiration date and debit cvv/cvc, and my phone number on file .... 

However, the bank reps are telling me that they can not provide me an authorization code because I made a recent phone number change to my account. Their proposed solutions are for me to download the bank or XXXX app and use XXXX to verify my number so I can login or head to a local branch with XXXX forms of ID. 

The first solution is impractical because the only way to access XXXX is to first get past or around the " call us and get an authorization stage and the second solution is simply inconvenient for me. 

When I asked for a XXXX, they offer pushback and direct me to a supervisor instead ... and when i finallt get to a XXXX they provide the same response to me ..... 

Then when I ask for a ticket number, reference number, reference ID, or some way for me to refer to our correspondence for further escalation the XXXX advised, suggested, or led me to beliebe that they do not have any such thing. In fact, the only time a Bank of America XXXX provided me any sort of reference number was when I advised that I would submit an official complaint about their business practices to the CFPB...
Product: Checking or savings account

My debit card information was taken and used in several locations. I first identified the first 2 transaction as they were $ XXXX/each at 2 local gas stations. I immediately called the bank and they requested I file a dispute. They cancelled my card and told me I would have to go to a branch to get a new card.
When I got to the bank, they identified new charges and a 2nd dispute was opened at that time. They confiscated the card. The bank the first dispute, however declined the second dispute because they indicated that those smaller charges, would have been done with the actual card. TCF did not complete any research and closed the dispute. I filed a report with XXXX Police department, " XXXX '' and have been reaching out to the fraud police officer.
My complaint is that 1. ) TCF should have put a stop on the account with the 2 sets of identical charges, as this is policy for most other banks. 2. ) They arbitrarily closed the account before completing any research, even though I have been a customer for 10+ years. 3. ) The retailers all have videos and are happy to supply them to TCF Bank or the police department, however they only keep them for 30 days. We are 2 weeks into this dispute, and they have not requested them. 4. ) They have not provided me with copies of the signatures used on these transactions. 5. ) They are not contacting me with information or details on what they are doing to resolve/investigate the dispute. 6. ) I had to use a loan to put funds into the back for the negative balance that this situation has caused, because my mortgage was not getting paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested that a number of items on my report be investigated and verified. As of today XX/XX/2022 I have yet to hear anything back stating that a investigation has begun or been completed. This has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently attempted to dispute a bankruptcy showing on my credit file with Experian ... Experian responding saying item was verified as correct with XXXX county courts I then contacted the courts who stayed they have no records of said bankruptcy filing reference XXXX contains my name and that they had NOT verified or provided any information to Experian ... .I then reached out to Experian again and received credit report # XXXX dated XX/XX/2020 which now referenced the source of the bankruptcy as XXXX XXXX I contacted XXXX XXXX and received a copy of my file which still does NOT reference bankruptcy XXXX as Experian has listed I then filed a compliant with CFPB XXXX were Experian responded they would NOT take any actions as my disputed appeared to be from a third party. How can they say this when I provide a copy of my drivers license social security card and credit report showing the bankruptcy listed on it ... I believe Experian is violating my legal right to dispute invalid information and it is causing undue financial hardship for me .... I will be obtaining an attorney for legal assistance with this matter if no valid dispute is allowed on this item I am providing photo Government issued ID Proof of address, social security number and credit report as the previous response stated these items were needed although they were attached
Product: Credit reporting or other personal consumer reports

No action has been taken so far. 
I keep getting hard inquiries on my credit report without my permission
Product: Credit card

Credit Karma advertised a promise to pay {$50.00} per card advertised on my credit report account. 3 of the cards with the promise denied me and Karma failed to pay me a total of : {$150.00} dollars. XXXX XXXX XXXXXXXX, and XXXX XXXX  also denied me. All of the merchants compromised my personal information and ads, calls from people trying to sell me houses, etc became continuous and yet no card with the money promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint against Heights finance on XX/XX/XXXX. That complaint was closed but I didnt get to address the additional inaccuracies based off response the company provided. 

The company stated that they charged off mine and my spouses loan account on XX/XX/XXXX and subsequently sent to collections with XXXXXXXX XXXX  XXXX offices who we also hve submitted a complaint on. 
Subsequently by definition means forwarded to collections after it was charged off however we have court documents dated XX/XX/XXXX filed by XXXXXXXX XXXX XXXX  on behalf of heights as the law firm. And dated on XX/XX/XXXX they submitted an affidavit for attorney fees again in that document it states Law firm for heights. 

We hve been repeatedly sued for default judgements because of the tactics XXXX XXXX XXXX uses to ensure no show appearances which we even have documented proof for that now as well. 
Heights has 2 amounts reported on credit bureaus {$940.00} and {$1500.00} for balances when charged off but court documents filed on behalf of heights by XXXX XXXX XXXX reflect different amounts. We hve actually paid this debt off but still cant get documentation from XXXX XXXX XXXX who continues to garnish and claims havent received payments from clerks office but clerks record shows paid in full. 
Since heights stated they gave cranes office account for collections but XXXX XXXX XXXX is filing and garnishing on behalf of heights which deters from the separation of the two places we require better answers and credit reports to be updated or at this point remove. We are prepared to pursue legal action at this point since continued garnishments and misinformation being provided by heights and XXXX XXXX
Product: Credit card

A collection agency called several times attempting to collect debt {$380.00} from me since XXXX on XXXX XXXX account number ending XXXX and I've informed them that I do not have any credit account with them, nor did I make any sandal purchase from " King Size '' catalog. The below information was extracted from card statements provided in the attachments which were mailed to me in XXXX, XXXX ; by Sunrise Credit Services XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. The charges consists of : XX/XX/XXXX - KING SIZE CATALOG PURCHASE - CATALOG - SANDALS- {$80.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX - LATE FEES - {$29.00}, {$35.00}, {$40.00} & {$40.00} INTEREST CHARGES - {$2.00}, {$2.00}, {$3.00} & {$4.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - LATE FEES - {$41.00}, {$41.00} & {$41.00} INTEREST CHARGES - {$5.00}, {$6.00} & {$7.00} Additionally, these statements show my address in Ohio which I've not lived at for over 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian yesterday to submit a dispute regarding the inquiries that are present on my Experian report that I do not recognize and did not authorize. The customer service agent repeatedly denied my request to initiate the dispute over the phone. I want Experian to investigate the inquiries present on my report that I did not authorize.
Product: Checking or savings account

On XX/XX/2022 there was an unauthorized charge at XXXX for {$1800.00} I didnt notice this until a month later, I filed dispute for that charge and received a letter saying this charge was authorized, chase Is saying It Is authorized because It Is in the same city I just moved to. I was not living in the downtown XXXX area when this unauthorized charge occurred. Chase refuses to allow me refund for this after repeatedly telling them It was not me. There Is nothing in XXXX that costs {$1800.00} I have explained numerous times this Is not me please fix this issue and have chase explain investigation procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 's # XXXX ( XXXX XXXX XXXX, # XXXX ( XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX XXXX ) and # XXXX ( XXXX XXXX XXXX ) has violated my rights. 

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

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

I'm writing to the CFPB hoping I can get more information from Bank of America. I currently have a checking, savings, and brokerage account with Bank of America. I love the app, the ecosystem and the customer service. The only thing I'm missing from them is a credit card so I can have everything together in one bank. The last credit card I had with them was closed in XXXX, XXXX. I remember I called Bank of America and requested for the account to be closed since I wasn't planning on using it. It was a Premium Rewards Card. Fast forward to XX/XX/XXXX and I applied for a Bank of America Customized Cash Rewards. The application was denied, and the denial letter showed the reason as : " An account with us and/or our affiliates has been revoked ''. When I got that letter with that reason I got scared, since I've never ever had any accounts revoked. Any and every account that is closed on my credit reports has been closed at my request. My credit report shows XXXX delinquencies, collections or problems ; and 100 % payment rate. I contacted all credit bureaus by phone, and reviewed with them on the phone each and every account on my credit report for the last 20 years. Not a single one of them showed anything other than closed at consumer request. No negative marks. Nothing negative. With this information I called Bank of America. A very nice gentlemen understood my concern and went through all my credit history, as well as internal bank information. He couldn't find anything negative on my credit report or internal " file '', so he asked me to hold while he spoke with a " credit coach ''. After the " credit coach '' reviewed all my information, I was told Bank of America shows in their system that the Premium Rewards card I called to cancel in XXXX XXXX XXXX shows as if they ( the bank ) closed it due to inactivity. And because of this, the system interprets it as if the account was revoked. I'd love for Bank of America to fix their internal file of me and/or systems so that I can apply for the same card. I'm very worried that somebody or a system made a mistake internally by miss-cataloguing the account I closed as an account the bank decided to close. I hope you can help me and can see I have other accounts with Bank of America and continue to deposit money frequently.

Reference Number : XXXX