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

Earlier today, I found inaccurate accounts appearing on my credit report, and I am completely unsure of their origin. I routinely check my report, but this time I encountered discrepancies that seemed to come out of nowhere. I attempted to refresh my browser, hoping it was just an error, but the inaccurate accounts did not disappear. Due to this, I am requesting a careful review of the documents I've submitted so I can have peace of mind moving forward.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$350.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

At night on XX/XX/year>, I went to the Bank of America branch located on XXXX XXXX XXXX, XXXX, CA XXXX, where I attempted to withdrawl {$60.00} from my account. The failed to dispense it, displaying an error message for the money failing to dispense. It also stated that I would be issued a credit for the money I attempted to withdrawl. I was decieved and lied to by Bank of America because this was far from the truth. What happened instead was them stealing money from my account. I'm missing {$60.00} from my account, when they failed to provide me with any credit or cash. I attempted to reach out, and its been nothing short of a disaster. They've done nothing but provide me with false timeframes and false hope. No credit, instead I'm expected to wait and suffer due to their own incompetence. If I were to be short 2 weeks late on a payment, I'd be charged interest. However they're able to delay giving me the money back, which they stole from me. It was their faulty ATMs that caused this, and they refuse to be helpful or cooperative. I'm just expected to accept it. This is unacceptable. What the bank branch commited against me should be considered fraud.
Product: Mortgage

My parents were divorced when I was XXXX XXXX XXXX. 

I was raised solely by my mother. 

My father died XXXX of 2010. I'm a adult and have/had no means to take responsibility of his home or property. 

I'm an adult and he or his other adult children had no right to illegally sign/notirize my name to his land or mortgage and address it to his daughters home mailing address. 

The file shouldn't be attached to me. So far I've been denied XXXX ( XXXX XXXX income ) due to too many resources and I have none and the law firm assigned and the State of Oklahoma refuses to delete or remove the file. 

Never should my adult life be ruined with my father 's remains upon his death I was and will never in a position to live as he did. 

The property is not mine. It shouldn't be attached to me that causes random collection calls of taxes due and many people have began to name their children after me and XXXXor create imposters/doppelganger especially spouses that don't exist that often times lurk at the stairwell of the apartment complex where I currently reside attempting to recover from being homeless. 

The house and property is not mine ; he/they had no right to sign my name anywhere or notorize it to me ; I was an adult upon his death without any proper means or lifestyle to payoff his debt and he has/had 3 other adult children that he raised as military brats while married to my now deceased mother that he could of attached his death dead debt to especially based off the fact that he and them had solid relations as a family ; we didnt, I was raised as a complete bastards child by my mother.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/XXXXXX/XX/year>
Product: Checking or savings account

CHASE BANK refuses to acknowledge internal policy of disputing charges. I am unable to dispute multiple fraudulent charges after a " payment is made to a company ONCE. '' The FIRST transaction with XXXX was fraud after my phone was stolen. Since business was done with XXXX, at a prior date, and a payment was made, I am unable to dispute any additional transactions, despite the fact I did not make the first transaction with XXXX Especially since they used a mismatched address. But, since I did business with XXXX  I can not dispute the fraudulent transactions? This makes no sense to me and I have gotten no where with the bank since filing the initial dispute. Furthermore they refuse to work with me, passing me from department to department, without any contact names or numbers to try to follow up on these issues. I have spent at least 4 to 5 hours on the phone with chase already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out investigation letters to XXXX, Equifax, and XXXX on XX/XX/2019 ( Tracking # Equifax XXXX | XXXX XXXX | XXXX XXXX ). The credit bureaus completed the investigation and stated that the report was 100 % accurate. I disputed that a bankruptcy was reporting on my credit profile and should not be reporting. They told me it was verified ( at the present date this bankruptcy is still reporting on my credit report ). 

According to the law 15U.S. Code 1681a-Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to regarding this matter. 

How did they complete this investigation?
Product: Mortgage

A payoff statement was requested and provided with a pay-through date of XX/XX/year>. 
The payoff amount was XXXX XXXX XXXX of XXXX On XXXX, a check for {$350000.00} was mailed, but Shellpoint XXXX rejected the payoff, stating that the amount was short by over {$3000.00}. 

Shellpoint continued to charge interest on the loan amount. 
I made XXXX payments of XXXX, a total of XXXX. 

However, even after paying off all interest owed, an interest balance of {$5500.00} was still owed, according to Shellpoint. 

I pointed out this error, and no one could offer an explanation as to why. 
On XXXX, another attempt was made by the title company to pay off the loan. 
With the same amount as the original. 

This time, the payment was accepted with an overage of over {$4000.00}. 

For 3 months, I have called repeatedly to try to resolve this issue. 
Many times, my calls were answered, and when I confirmed my identity, I was transferred and promptly disconnected. Emails I sent to managers went with no response. All attempts to speak to management were futile. I was told on at least XXXX occasions to call back in XXXX weeks ... and still, not a single update or attempt to rectify the situation was done by Shellpoint. 

Additionally, Shellpoint is still charging $ XXXX for a HELOC loan XXXX has a balance of {$.00}. I was told to just take the minimum amount and close the loan, but due to the fact that the amount offered is inaccurate, I refused. 

Shellpoint has been a complete nightmare, and they are illegitimately holding funds that are owed to me and my family.
Product: Credit reporting

Experian continues to report a fraudulent & unverifiable account on my credit report. XXXX XXXX XXXX should be removed from my report. I 've disputed this account numerous times with Experian, requested the method of verification & additionally sent a XXXX letter to the data furnisher requesting a signed contract/agreement. Neither the data furinsher nor Experian have provided me with a signed contract of my obligation but they continue to claim this has been verified. When reviewing my file here are some facts which question the integrity of their investigation. The address linked to this account is n't even listed on my credit file. I 've requested the XXXX XXXX XXXX account be removed 3 times but they continue to verify it. Secondly, when I ask them to verify it they always pass the buck & say it 's the data furnishers responsibility to update their records. This public information which is damaging my name & reputation & I 'm unable to get any financing due to the nature of this issue. This matter is also causing unwanted emotional & financial stress & I 'd like this unverifiable account removed immediately. If Experian continues to claim they 've verified this account again without a deeper investigation I will be filing a lawsuit for violations of the FCRA. Please resolve this matter.
Product: Credit card or prepaid card

In XX/XX/202 we order online a chair and tool box on XXXX. We never received the merchandise, on XX/XX/15 we received our credit card bill from Sams Club MC/SYNCB - showing a charge of {$300.00} to XXXX. We contacted the credit card company and told them we didn't know what this was. We looked up the website and its a company that sells women 's clothes. We called the number listed on the credit card charge and the lady that I spoke to - said that she was getting over 200 calls a day - from individuals because this was a fraud company that was using their business phone -umber. I can send you a copy of the credit card charge - showing the phone number - XXXX - this is listed to XXXX XXXX XXXX in XXXX Texas. Which is not the description charge name on the bill ( XXXX ). We have called the credit card company several times and explained this to them. They have sent us a letter stating that they have reviewed the information with the company and we supposedly bought a bed and they have delivered it to us. Which is totally false. And they even included a label that the company supposedly used to mail us our ( bed ) - it was mailed by United States Postal Service from XXXX to us. Now who would mail a bed from XXXX using the Post Office? Sams Credit Card/Syncb is  refusing to give us credit for this false charge and we have decided to pay the bill because we don't want our credit ruined. I would be happy to send every bit of information I have. I don't think its right we have to pay for something we never ordered or received.
Product: Credit card

Discover Financial Services was attempting to contact me regarding the balance on my credit card account on Saturday XXXX XXXX, 2016. During the attempt to contact me, the debt collector that was working on behalf of Discover Financial Services somehow contacted my estranged husband without my permission. Bottom line, the debt collector revealed confidential information about my personal debt to a third party that has absolutely no business concerning my personal debt. I learned this when my estranged husband contacted me to insult me. I 've never given consent for Discover to contact any third party on my behalf, let alone go as far as to tell a third party about my financial debt.. I called to complain about the incident and I sent a written complaint to Discover on XXXX XXXX 2016. In my written complaint, I requested that my complaint be escalated to the highest officer in order to conduct an investigation of the actual conversation that took place between my estranged husband and the debt collector. The phone call would serve as proof that a violation had occurred. As of XXXX XXXX, 2016 Discover has yet to respond to my complaint. I know my rights and certainly this is a direct violation of my rights and the ( FDCPA ) prohibits these types of practices. I 'm filing this complaint because I want other consumers like myself to be aware of such practices. Also, I would like for Discover and their debt collectors to be less naive in their attempt to collect information about a debtor via an unauthorized third party. In my case the actions of the debt collector caused more harm than good because my personal information was given to someone that does not have my best interest at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 " CRA '' REPORTING OUTDATED ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX '' ... REMOVE ALL FROM CREDIT FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft a few times with different platforms such as XXXX XXXX XXXX, XXXX visa card, and XXXX. Fraudulent credit line attempts have been made on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already sent a letter to the creditors asking to remove these Late Payments they have not abiaded by what i have requested they also Violated my Consumer Law they didnt give me the option to Opt-Out according to this information reporting to a Third party. 
So the Following Accounts Have Violated my rights Law states that its Ilegal to Report Late Payments on a Consumer Credti Report. These are the Following Accounts : Credtiors Name : Acct Number : Dates : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX / XXXX XXXX XXXX Dates Open : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; 15 USC 1666b : Timing of payments a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Product: Checking or savings account

Key Bank received a deposit from my employer on Thursday, XX/XX/XXXX in the amount of {$270.00} from XXXX. 
I went to the gas station to use the debit card issued and it was declined. I went back across the street to ask the financial wellness consultant, named XXXX XXXX to fix the problem as I had just left from speaking to him about an overdraft to my account and he informed me that my card would not be working until i speak to the manager XXXX XXXX and that he would not be in the office until XXXX XXXX. 

XXXX XXXX contacted me by phone on XXXX XXXX around XXXX XXXX. and told me they are closing my account and do not wish to have a business relationship with me even though it is not a business account only a personal account. I believe this was a hostile response to a visit I made to the bank on Friday, XXXX XXXX after I requested a w9 form so I could claim both sides of the ledger and report the W9 to the IRS. 

This has caused me a huge convenience and they have refused to give me the W9 and all of my statements and did not provide the phone number or address to their legal department.
Product: Money transfer, virtual currency, or money service

Scammers scammed money for job offerings and house purchases. 
One transaction is a check deposit, from XXXX XXXX to the Bank of America. 
Date : XXXX XXXX, XX/XX/XXXX. {$3000.00}. Check # XXXX XXXX XXXX Deposit into Bank of America XXXX XXXX XXXX XXXX ACC No : XXXX XXXX XXXX XXXX Routing No : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Between XXXX XXXX and XXXX XXXX a dispute was made with Transunion regarding a XXXX XXXX account that was on my consumer report. I demanded that it be removed as it violated multiple sections of 15 U.S. Code 1681, 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports15 U.S. Code 1681b - Permissible purposes of consumer reports15 U.S. Code 1681e - Compliance procedures. As of XX/XX/2023 said referenced account has been removed. As a result of the negligence of TRANSUNION, in their duty to furnish a accurate consumer reports, me and my household have suffered embarrassment and emotional distress as well as damages totaling over {$1000.00}. Attached is proof of claim.
Product: Debt collection

Iam a victim of identity theft I have submitted multiple identity alerts with all three credit bureaus with multiple police reports on accounts being open with my full identity and the credit bureaus have not showed they done a full investigation into these accounts to show that these are valid accounts that was open by me
Product: Credit card or prepaid card

Hello on XXXX/17 a fraudulent company advertising magazine ads that were supposed to be in our local grocery store set us up on a payment plan with them. We paid {$190.00} in cash, {$190.00} on credit, and the balance was another {$480.00} on credit. We found that the company was fraudulent after speaking with the local grocery stores. Citibank refunded our {$190.00} but refuses to refund the {$480.00} amount because the merchant provided fake XXXX shipping labels showing they shipped something to our area. I have provided not only documentation from the grocery store stating that this was fraud but also information from XXXX  with other customers who have been defrauded by this company. I have attached all communication with Citi Credit Card and all the documentation that shows no good or services were received.
Product: Debt collection

I have been requesting that the following accounts be removed from my credit report due to them being a result of identity theft and fraud but has since been settled and for my credit report to be updated. The following accounts have XXXX balance to this date but are still reporting negatively on my report which is hindering me from purchasing my first home. I would also like the following inquiries removed as well. 
Closed accounts that should be removed immediately : 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 in result of identity theft . Asked for proof of ownership as well as a signed agreement. The original creditor sold this account to a different company who was also unable to provide a purchase agreement, proof of ownership and any other documentation I asked for. This is not my account therefore this collection should be removed immediately. 
XXXXXXXX XXXX  XXXXThis account was opened in result of identity theft. I asked for proof of purchase as well as a signed agreement and was not provided with anything. This is not my account therefore it should be removed immediately. 

The inquiries that should be removed are : 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 XXXXXX/XX/year>
Product: Credit reporting

There is a XXXX Bank account that does not belong on the report, XXXX has agreed for removal and the reporting agency keeps saying verified, this is wrong information on my name and it hurts me to the bottom. 
I have included a copy of my report as well the letter from XXXX bank showing the account in dispute.
Product: Credit reporting or other personal consumer reports

I am sending to dispute these inquiries referenced below and demanded verifiable proof bearing my signature/ electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires credit bureaus to delete them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

i wrote the credit bureaus on XX/XX/2022 regarding inaccurate accounts on my credit report. its been over XXXX  daysand i have not received any form of response from them. They have violated my rights. 


15 U.S.C 1681 section 602 { A }. States i have the right to privacy.

15 USC 1681 section 604 { A } section 2. Its also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing XXXX days prior, I was not notified.

15 USC 1681ia ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 USC 1681e ( b ) ( b ) Accuracy of report -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.

The details of the accounts are inaccurate they are not exact in details and amounts.

15 USC 1681 { i } ( 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 XXXX 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 my certified mail tracking receipts
Product: Bank account or service

I opened a savings account with CitiBank ( hereinafter " the Bank '' ) in response to the Bank 's mail offer. Under the offer, the Bank promised to provide me with a cash bonus of {$300.00} if I fund my savings account with a deposit balace of {$25000.00} - {$49000.00} by XXXX/XXXX/16 and maintain the minimum deposit until XXXX XXXX. I have met all the requirements, but I have not received any promised cash bonus from the Bank as of today.