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

I received a notification by XXXX that an account was open on XX/XX/XXXX by Jefferson Capital System a Debt Collector. I called the company and asked about the account that showed up on my credit report from XXXX. I was advised that this accounts were open in XXXX with a company called XXXX. I never open this account in XXXX. I filed a dispute with XXXX, which it was DELETED. I also filed XXXX XXXX and this company wasn't in my accounts to pay back. Please have account removed off my credit report and replace my CREDIT SCORE that was taken away, due to this FRAUDULENT REPORTING. 

XXXX ) {$6800.00}
Product: Checking or savings account

Wells fargo Bank close my account and held my money.I cash several check going back over 2 years. these checks were sign to me : pay to the order of XXXX XXXX and I give them the fund. Now the bank saying that is not allowed. Now they say those people can come in with 2 form of ID and claim the money. In this case they would be committing fraud because they already get paid. I never know I couldn't cash for someone, therefore I need my money
Product: Credit reporting or other personal consumer reports

I called Experian to let them know that I had unauthorize and fraudulent inquires. They refused to to removed them. By law they are required to removal these inquires. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX around XXXXXXXX XXXX XXXXXXXX, I stopped at the XXXX on XXXX XXXX in XXXX, Tx. I used my card to pay {$2.00} to purchase air for my tire. The air machine charged my card but didn't provide any air. There was a XXXX ( Police Officer ) parked in the parking lot so i approached him and told him what happened, he advised me to call the number on the machine ( XXXX ) and notify my bank ( because sometimes they don't respond, it happens more often than you would think per the officer ). I called my bank immediately after calling XXXX XXXX. 
I received the attached email from my bank on XX/XX/XXXX, but when i tried to upload the information, it wouldn't take it. I called my bank ( NFCU ) XX/XX/XXXX and was told that they couldn't help me, i could call back Monday and they can speak with the department and go from there. I asked if they could connect me to the department on XXXX, but the Supervisor stated that they don't talk to customers, they will only speak to NFCU reps. 
I really need help, I know it's only {$2.00} but am tired of being ripped off, when i did what i was supposed to and follow instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

15. They have violated US Credit Reporting procedure according to ; U.S.C 1681 Section 602 A. States I have the right to privacy.

15. U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not a account without my written instructions. ( None Given. 
acconts 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. ( They are and have.. 

There is a public record on the Report XXXX XXXX XXXX Ilegally reporting -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- A number of accounts with inaccurate dates of age of delinquencies
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit reports that does not belong to me. I didn't authorize these inquiries. I have contacted the credit bureaus and I have not received any resolution. I have good credit and I am very careful how I utilize my credit.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance Owed : {$0.00}
Product: Debt collection

This information is not listed on my credit report. On XX/XX/XXXX I recieved results from my underwriting I have a judgement or lien against me in the amount of {$8000.00} from a company called Calvary SPV1 DBA XXXX XXXX XXXX. I stated to my lender of never having this account I was then sent a screen shot showing it was a joint account with a name similar to my mother. This information did not come back on my credit report but from a local county dock result.I was not able to locate the findings myself. I further research by call XXXX XXXX whom stated no judgement is against me I would have to submit a request in writing in order to get a documented response, they then gave me XXXX number. I called XXXX XXXX  the first person stated the company no longer has my information only thing was seen is they once had it then she gives me the information for XXXX XXXX XXXX. I call this company at XXXX spoke with a XXXX XXXX, she could not verify my correct information but stated I owe this information due to it being in there system. I stated I wanted a dispute and further asked when would I be hearing from the company. SHe could not give me when but stated it may be today, tomorrow, or anyday. Then she further states I owe over {$8000.00} and I have to pay it. I then call back at XXXX after speaking with some resources I know to get more information which i was told the company should be able to give me. I spoke with a XXXX placed me on a brief hold then automatically transferred me without stating he was transferring me, the results was the phone hung up. I called back again at XXXX spoke with Rashaun again and was transferred to XXXX XXXX speaking to her again I still recieved no answers, she tried to verify my identify again I stated to her your verifying incorrect information to update a system to try to charge me with this debt. I stated this is fraud and asked again about the process of a dispute. She then states I'm being hostile by asking the same question and says I send you an email ( Never received ) and  transfer you to a manager. I was on hold for 47 mind spoke to no manager. I called from another phone while still on hold to find out the company was closed for the day. I hung up at XXXX. Never received a call back even the next day XX/XX/. On XX/XX/ at XXXX I spoke with XXXX he tried verify my information which I told him is incorrect. He stated I owed {$8100.00} I stated to him this not my account and it fraud. He stated since I am disputing there is not a reason for him to be speaking with me. I further stated what was told to me on the prior day and the name. He asked would I like to be transferred I stated no. He stated I wont get a call I would receive a letter stating the result. This again is conflicting information. As I stated to him I want this resolved and removed from my name.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( s ) XXXX COS XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX/ ACCOUNT XXXX XXXX I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via XXXX mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my XXXX XXXX is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within XXXX  days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX
Product: Debt collection

I have never given consent to Navy federal to furnish information about me or to obtain my information. Therefore, any reporting that is done is in violation of my rights under 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just reviewed my credit report and I noticed there is an account on my report that is NOT MINE. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is 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 XXXX  's reporting services could fax, mail, or email in a fraudulent account. 

The account from XXXX XXXX XXXX XXXX is NOT MINE. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for XXXX XXXX XXXX XXXX. 

Your decision to post this invalid account on my credit report, as well as your failure to positively verify this erroneous account has hurt my ability to obtain credit. 

This is not only inaccurate and invalid, but it's unlawful and ILLEGAL. Under the FCRA, unverified accounts must be removed. 

If you are unable to provide me a copy of verifiable proof, you must remove the erroneous, inaccurate, unverified, invalid account listed below : Creditor/Name of Account : XXXX XXXX XXXX XXXX Account Number : XXXX Status/Provide Physical Proof : XXXX XXXX ( NOT MINE ) I demand the above account be removed immediately.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw several billing mistakes under 15 U.S. Code 1666 ( b ). These include errors with payments and calculations. The creditor didnt send me a statement 21 days before, so there shouldn't be any late payments. I need proof from the creditor showing I missed payments and was marked late because of their mistake. By law, these errors must be fixed or removed immediately. If not, I will seek compensation in small claims court for violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX {$89000.00} ; XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX I have never opened an account with this company. This company is seriously impacting my ability to get a job, and the bureaus is not maintaining fair accurate information. This company also fraudulently pulled my credit without my consent.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXX XXXX XXXX  - {$1800.00} XXXX XXXX XXXX - XXXX - {$30000.00} XXXX XXXX XXXX XXXX XXXX - {$0.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Checking or savings account

I received an email with Bank of America that an account was opened this morning ( XX/XX/XXXX  ). I did not open this account ( Bank of America Advantage Safebalance Banking Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$630.00} on the XXXX XXXX  XXXX original creditor XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX is claiming I ordered a sofa and that I confirmed delivery. I have attached a copy of the receipt they sent me alleging the signature on the delivery receipt is mine. The signature on the receipt does NOT belong to me and I never authorized and/or accepted this item. Nothing from XXXX was delivered to my address. This collection/charge-off is being reported in error and needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitted several disputes to XXXX, XXXX  and XXXX   and they all come back as verified. I just submitted a dispute with each of them in XXXX and again in XX/XX/XXXX and the same results. I also email each of the companies and on report and XXXX XXXX back sent a packet that included billing statements. The issue of inaccuracies was never address.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS REPORTING XXXXT MULTIPLE TIMES UNDER XXXX XXXX updated account information. THIS ACCOUNT XXXX IS A PAID IN FULL ACCOUNT AND ITS BEING REPORTED UNDER XXXX XXXX IN FOR TRANSUNION " ADDED TO ACCOUNT '' with no information not even saying paid The account are paid. It's just there reported multiple times.
Product: Credit reporting or other personal consumer reports

Experian What happened ( statement of pertinent facts ) : Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Date XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of Names : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX accounts opened at Creditor : XXXX XXXX on XX/XX/XXXX under the account number XXXX ( XXXX ) Creditor : XXXX XXXX on XX/XX/XXXX under the account number XXXX ( XXXX ) Creditor : XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX ( XXXX ) Creditor : XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX ( XXXX ) Credit line accounts opened at XXXX XXXX  XXXX XXXX, XXXX under account number XXXX ( XXXX ) Lines of credit accounts opened at Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX  - XXXX XXXX under account # XXXX Hard Inquiries at XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Bank of America Agreed to a partial reinstatement of my loan ( DOC ENCLOSED ). I was then to make modified payments for XXXX, XXXX, XXXX. BOA requested certified funds for XXXX at which point upon receipt, BOA would disclose the amount to be paid monthly. Certified funds were sent as requested on XXXX/XXXX/2016 Funds arrived on Friday XXXX/XXXX/2016. Placed XXXX calls to XXXX XXXX with no response as I wanted to verify receipt of funds as well as to see 3 month payment schedule. Called total of 15 times with no response. Received letter of reinstatement ( different from agreed ) on Saturday XXXX XXXX stating XXXX due by XXXX/XXXX/2016. There has been no contact available to be at all!! No return calls or e mails. On XXXX/XXXX/2016, Receive certified funds back stating amount not correct. All timelines have been met regarding the reinstatement letter emailed to XXXX of Virginia as well as the CFPB. In addition all financial requirements have been met by submitting certified funds of XXXX. Called BOA on XXXX/XXXX/16 6 different times. got through to XXXX persons who stated that the figures were not available and they could n't provide information. By returning the funds sent BOA is in clear violation of RESPA 1026.40 ( c ) ( 1 ), 1026.40,1024.2 ( b ) CFR 1026.36 ( c ) ( 1 ). and now is in violation of the Consumer Fair Debt Collection Act. BOA is now making up their own rules with little or no oversight as I have complained about violations prior. In addition I have submitted information several times regarding fees and foreclosure expense to be waived and they refuse to acknowledge. The CFPB has refused to innate actions on such violations although these actions are clear.. I am asking for this situation to be rectified within72 hrs. by BOA. I am asking for regulatory intervention at this point as well. Bank Of America is obligated to accept the XXXX and allow me to make my payments ad agreed per resolution letter. Anything else is not acceptable. I assert that by BOA refusal to adhere to resolution, BOA voluntarily waives its right to any past debt therefore account should be deemed current. I also assert tht by BOA actions of refusal to adhere to resolution, it has committed fraud and deceptive activities. I also assert that BOA had not maintained clear lines of communication as outlined under RESPA. I am asking for payment to be accepted and that oversight be implemented.
Product: Bank account or service

Chase Bank put a negative mark on my credit for missing a {$35.00} annual fee. I have been a customer for 10 years. I never heard from them regarding this. Not to mention that I had paid this fee for over 9 years. I never missed a payment, always paid on time, in fact paid the account in full prior to this. The best part is that they waived the fee after non payment and closed the account without me knowing any of this. They said that they sent me notices, yeah to an old address on file. I updated my address multiple times, but their website is very difficult to use. I have been in to the branch twice and they have told me how difficult it is to work with their own folks. I did n't know this was being reported to the credit company until after it was done, I am trying to buy a house and this is causing problems.