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

Experian said that XXXX XXXX XXXX XXXX, account was updated and verified. But who is furnishing my account please give me a detailed description of who gave the credit bureaus this information. And how was this account verified? Whats the name and address of the person who's furnishing this account? 
According to the Fair Credit Reporting Act 15 U.S. Code 1681i- ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. Please send me the form to my address on file ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. The credit bureaus failed to correct my credit report which is hurting me and destroying my way of living.

( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
I have not received any notice in the mail from XXXX XXXXXXXX XXXX informing of the dispute or any description of the nature of the dispute. 

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please send notice to mailing address on file
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I took out a credit builder loan account with MoneyLion. I made good on time payments each month and paid it off in full early on XX/XX/XXXX. XXXX  and XXXX  had reported the loan as closed and paid in full. XXXX  had failed to update my report to reflect that as well. 

On XX/XX/XXXX I took out a new credit builder loan with MoneyLion. MoneyLion had updated my credit report showing the new loan. The problem is, they had used the old paid off account and updated it with the new information from this new account. Essentially taking away my good account from my report and inputting a high balance like there was no payments made. 

MoneyLion should had left the old account shown as closed and paid in full. MoneyLion should had reported a brand new account with the new information. These are two different loans with two different account numbers.
Product: Credit reporting or other personal consumer reports

I just checked my credit report, and I don't understand why this collection is showing on my Transunion credit report because I don't have a contract with XXXX XXXX XXXX, Account # XXXX. I am not liable for this debt with XXXX XXXX XXXX. I also don't have a signed contract or application with this collection agency. This is a violation of my consumer rights according to the FCRA, under 15 U.S.C. 1681i ( 5 ) : Removal of Inaccurate/ Invalidated credit information. I also have the right to privacy, and you are violating it by putting this inaccurate account on my credit report. Delete this inaccurate collection account and mail me a corrected copy of my credit report. This is notification that I will seek civil liability as per 15 U.S.C. 1692k for every violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 about XXXX eastern time i called Transunion , XXXX  and XXXX  to kindly remove these account that arent mines and incorrect that are on credit report which is affecting my credit score but they were being rude, had me on wait for about 15mins and they just wouldn't comply.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the late payment entries on my credit report related to the following accounts : Account name : XXXX Account Number : XXXX I have identified several violations of the Fair Credit Reporting Act ( FCRA ) that pertain to these late payment entries : 1. Violation of 15 USC 1681a : These transactions and experiences should be excluded from my credit report as they involve interactions between the creditor and myself, and they should not be reported.

2. Violation of 15 USC 1666B : The creditor did not send me a statement within 21 days of my payment, which constitutes a billing error. Consequently, reporting these payments as late is inaccurate and a violation of my rights.

3. Violation of 15 USC 1681b : I have not given written permission for the reporting of these accounts to my consumer report. This is a violation of FCRA, which requires consent for such reporting.

Furthermore, FCRA mandates maximum accuracy in a consumer report according to 15 USC 1681e ( b ). The late payment entries on my credit report do not accurately reflect my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern ( Credit Bureaus ), This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am XXXX  that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : CXXXX 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. 
Please Remove from my credit Report respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your investigation. 
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this fraudulent account to XXXX and its third party collection company and they continue to re report this fraudulent XXXX Account to my report. I got a divorce and moved from XXXX XXXX XXXX in XXXX. XXXX says this account was opened in XXXX. When I left we had XXXX XXXX XXXX. If there was a XXXX there I DID NOT AUTHORIZE it. This is not the first account that was opened fraudulently in my name without my knowledge by a person of trust. The dates are inaccurate and the information is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters, along with my identification, and a Federal Trade Commission XXXXdentity Theft Affidavit to the 3 major Equifax, XXXX, and XXXX  on XX/XX/XXXX and XX/XX/XXXX asking that they remove or block all accounts and inquiries that were showing as a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my frustration with the credit bureaus failure to conduct a proper investigation and continuing to report inaccurate information on my credit report. 

Despite my repeated requests to have errors and inaccuracies on my credit report corrected, I have received no response or action from the credit bureaus. This lack of attention and disregard for my consumer rights is unacceptable and has caused significant harm to my financial standing. 

As per the Fair Credit Reporting Act, it is mandatory that all credit reporting agencies conduct a thorough investigation when a consumer disputes an item on their credit report. However, despite providing detailed information and documentation to support my dispute, your company has failed to take the necessary action to rectify the errors. 

The inaccurate information on my credit report has resulted in me being denied credit, higher interest rates, and other negative financial consequences. 

I have included a copy of all 3 credit reports and highlighted the inaccuracies and violations. All 3 reports should have identical information per account if everything was reporting accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX sent in a credit dispute letter in regard to a Bankruptcy - dismissed that is appearing on my credit report. I have tried multiple times to dispute this matter with the credit bureaus but nothing further happens. The Credit Reporting company have listed the data furnisher being " United States Bankruptcy Court of XXXX XXXX XXXX ''.- Which is false. On XX/XX/XXXX I sent in a letter asking for clarification from the court in which i was sent back a letter that I have attached from the Stated Bankruptcy Court verifying and stating that they do not verify or furnish any credit reporting information to the credit bureaus. The credit reporting is falsely reporting this information on my credit report and yet to remove this information.
Product: Mortgage

They've forced place flood insurance which I have and have had. It's been provided to them numerous times since early last year. They've got the hazard on file and its on that policy. There is a flood endorsement. I've emailed, uploaded, called and mailed a minimum of XXXX times and sent XXXX via email on XX/XX/year>. Spoke to agent that day to resolve and he went to research and hung up on me after holding for XXXX minutes. 

Unresponsive and had to discontinue auto payments as my mortgage payments are now the wrong amount. Need to get resolved and clearly its not going to happen with them as they're unwilling to correct. If you look at attachments you can see I have flood insurance. 

Completely unresponsive and unable to get fixed.
Product: Debt collection

There was an alleged debt between XXXX XXXX and myself in 2012. It was dropped at that time because they actually owed me money. Curiously enough I sold my condo in XXXX and in XXXX the same false report reappeared now that I am trying to buy a new house and has dropped ; my credit score unjustly. I never received any new communication from ERC and when it appeared in XXXX I sent a letter to the XXXX of XXXX demanding removal for which I never recieved a response. In fact the initial bill from 2012 wasnt even under the right name it was for a person named XXXX. They couldnt even get a name right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a ton of automobile inquires ranging from XX/XX/XXXX -XX/XX/XXXX and one mortgage inquiry in XX/XX/XXXX that I do not recognize nor did I authorize. I have tried to dispute this with the credit bureau ( Transunion, XXXX, and XXXX ) via fax, email, and phone. Then continuously tell me that I these are statements of fact and I applied for credit and they ca n't be removed. One employee of Transunion told me that I applied for this credit even after I told him several times, I did not. So the fact is that companies can place a hard inquiry on my credit report without my authorization. I 'm not talking about the firm offer of credit, insurance, court order. Those I understand but these hard inquires are neither. That is pretty alarming and I want resolve this issue without having to mail letters to 35 different XXXX having to
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  is using deceptive practices & extortion against me. I requested that a late payment be removed from my acct because of THEIR fraudulent reporting. None of what is required by law was done before reporting derogatory information on my report. XXXX XXXX is knowingly breaking the law after my first complaint with no regard to me in our fiduciary relationship. XXXX XXXX has then threatened to close my cards, saying that they dont understand my complaint, which worded simply and plain. They also refused to respond to me through the cfpb which is the median I reached out to them through. I have done all of the verifying that is required by law. I am being bullied and attacked & this is causing me stress and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$6500.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, I opened a checking account at Citizens Bank as part of a bonus offer mailed to my home of residence. Per the bonus requirements, I changed my direct deposit to the new checking account in the amount of {$500.00}. This would qualify for a {$300.00} bonus. 

On XX/XX/XXXX, I was unable to log into my bank account online. I reached to Citizen Bank customer support via phone and was told my account has been closed. The support representative was not able to provide a reason why it was closed and told me I will be receiving a letter detailing the reason of closure. Furthermore, numerous attempts were made local branches to acquire this letter but were met with the same fruitless responses stating to wait for the closing letter.

To present day, I still have not been received any formal notification or letter in regards to why the account was closed, thus effectively denying the checking account bonus offer solicited by Citizens Bank. The action and practices by Citizens Bank should be deem malicious and predatory, as their attempts to collect my personal information and cajole me to direct {$500.00} from my employer direct deposit that only serves to benefit themselves.

Additionally, Citizens Bank continues to send me the same exact checking bonus offer to further solicit my direct deposit funds to their bank. Brazenly enough, this Bank has even went as far to off entice me with a personal loan offer for them to pull my credit report information and deny any terms of the offer agreement.
Product: Debt collection

I 've asked Americash Loans to stop contacting me several of times, and to only contact me through mail, yet they still call me. I received a call on Monday in which a guy told me that legal actions will be taken against me, and this evening XX/XX/2017 a lady by the name of " XXXX XXXX '' claiming to be an supervisor called me after I 've told them to stop calling me. A previous rep called me ignorant as well.
Product: Mortgage

On XX/XX/year>, my husband and I initiated a recast of our new mortgage by sending a certified check to Rushmore in the amount of $ XXXX, which was immediately cashed. We sent the initial paperwork to recast the mortgage in XXXX, and Rushmore claimed the documentation was never received, although our XXXX tracking number confirmed the documentation was delivered. We re-sent the documentation and sent it via XXXX and guaranteed it would be delivered by XX/XX/year>. Rushmore declined our application because our paperwork was " late '' and said they didn't receive it until XX/XX/year>. They've asked us to apply again, for a third time. They are holding a significant amount of money that was intended to recast our loan and reduce our monthly payments. They are losing track of our application and forcing us to start the process over, which brings us to the start of a 90 day process. Their disorganization is costing us thousands of dollars every month. Getting answers from their customer service is difficult- they are either incompetent or hostile.
Product: Checking or savings account

XXXX Checked account per XXXX found charges to acct I nor my mother mad.Called Fraud spoke to XXXX disputed charges XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told the purchased by debit card ending in XXXX, which was not true. My mother is XXXX and never uses her card.Claim was established. XXXX spoke to me as if I am responsible.I was told it would be investigated.I was told all charges were reversed, they were not reversed.I was told my mother 's card was canceled. 
XXXX XXXX I called fraud and spoke to XXXX in XXXX, who was not accomodating. She sounded sleep even intoxicated during call.I informed her I called day before about a claim she responds we are not talking about that.I told her I saw a new charge that was not mine for XXXX XXXX XXXX XXXX She stated she saw a charge for XXXX for XXXX that failed to go through. explained i do not have insurance with XXXX.She stated charge was from debit card ending n XXXX, i was told it was from card ending in XXXX. XXXX kept slurring her speech and kept saying i cant hear you, finally I asked to speak to someone who was no t sleep. then she all of sudden she can hear me and says lets get this claim done. She refused to let me speak to someone else, put me on hold and came back and hunf up on me. 
XXXX XXXX ; XXXX I called fraud dept spoke to XXXX in XXXX  who reviewed notes written dont know what notes said. I explained situation. I have access to no funds. All charges were not reversed per what I was told.Iexplained I need funds that i take care of my mother. She gave me a credit of XXXX that I for XXXX only. I was told all funds would be put back.Investigation and claim filed. 
XXXX XXXX I went to BOA branch. explained situation again. I was issued temp card. I was told I should get money back in 48 hours. i went outside bank and got the funds that where only credited to me for that day. 
XXXX XXXX I check my account is now negative XXXX still showing XXXX XXXX   XXXX XXXX XXXX overdraft fee XXXX overdrafr fee XXXX XXXX XXXX XXXX XXXX bank Now they are charging nsf charges my mother has a deposit.that will go in bank next wed. They are trying to take her money. No One wants to hep me. I am getting the runaround. i was told since people claim charges are not theirs on purpose. It makes it bad for me. This Bank is known for taking people 's money. 
Bank Of America is operating unfairly. I have acess to no funds and at the rate they are going my mother 's VA check will be gone as well as what they have taken and is still taking from us. Please help
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries that have appeared on my credit report, specifically the inquiries made by the following institutions on the respective dates : XXXX. XXXX XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX. XXXX XX/XX/XXXX I believe these inquiries are the result of identity theft and are inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ), credit reporting bureaus must remove inaccurate or incomplete information from your credit report within 30 days of receiving a dispute. The FCRA also prohibits credit reporting bureaus from reporting information that is the result of identity theft. 

I have attached an identity theft report that I filed with the Federal Trade Commission on XX/XX/XXXX. This report provides evidence that my identity was stolen and that the unauthorized inquiries on my credit report are a result of that identity theft. 

I request that you investigate these matters promptly and remove the unauthorized hard inquiries from my credit report. If you fail to do so, I will be forced to take further action, which XXXX include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 

Please send me a written response detailing the results of your investigation within 30 days for each of the inquiries listed. If any of the inquiries are found to be inaccurate or a result of identity theft, I expect them to be removed from my credit report within 30 days of your investigation. 

Thank you for your prompt attention to these matters.