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

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get the free annual credit report from Equifax because XXXX sent me a credit card that I had not ordered. XXXX and XXXX were great and I easily got my reports, but Equifax said that it couldn't send me report online. I tried to call them ( This was in XX/XX/XXXX ) and never could talk to a live person. I tried to order a report today ( XX/XX/XXXX ) and again, Equifax stated that it could not send the report online and to call them. I called again. Equifax stated that my address was not what they had on file. Now I '' m really worried. All of the information that I entered was correct. I never could speak to a live person. Equifax wants me to send all of this personal information through the mail to them so I looked up reviews. Other people have not had good luck with sending their personal information to Equifax. The company appears to be a complete joke. Why is Equifax even allowed to access our personal information? I can't get my credit report from them, nor can I talk to a live person, yet they hold my personal credit information and claim that what they have on file is not what I just entered. I have no idea what to do next.
Product: Debt collection

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT
Product: Debt collection

They call multiple times per day and early in the morning. They are also calling from different numbers. I have already explained to them that I am going through hardship and they continue to harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX  XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX : {$8100.00} XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX  XXXX Balance : {$620.00} XXXX XXXX  XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021
Product: Money transfer, virtual currency, or money service

I can not login to my Cash App account to withdraw funds or access any documents. There is approximately {$700.00} in the account, and I was also informed that I have a Tax Document waiting for me ( " paperless delivery '' ). 

When I try to login, I get an error that I've " changed my $ Cashtag too many times '' and am told to " Contact Support ''. I first contacted support at least two months ago to try to resolve this issue XXXX received first response XX/XX/XXXX ). I keep getting generic, canned responses which do not resolve the issue. I have been contacted by at least six ( 6 ) different support representatives. One will contact me requesting information, I will provide that information, then wait a day or two, and a new representative will reach out and ask for the same information. Repeat. I've also tried telephone support, but they were unable to provide any help. 
They are holding my funds without reasonable access, and, more urgently, I am in need of my tax document so I can prepare my XXXX Tax Returns.
Product: Debt collection

I received my credit reports from XXXX and XXXX, that have negative items that are inaccurate due to identity theft. The charge that is in question is from a collection agency, Midland Funding LLC. I have no knowledge of this amount of debt or the original creditor XXXX XXXX. I'm asking the companies to please validate the charges and account belong to me, which I believe does not belong to me. 
I received the XXXX  on : XX/XX/2019 I received the XXXX  report on : XX/XX/2019 Both reports have several inaccuracies that have been disputed but keep coming back as verified, which they are not mine!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Hello, It has come to my attention that the data furnished by Discover Bank is inconsistent and not congruent across all credit bureaus, resulting in an inaccurate representation of my credit profile. 

All data that is reported should be congruent and align with each other across the bureaus and reporting agencies. Since the data being furnished is not congruent and does not line up I DEMAND THE REMOVAL of this erroneous information from my credit profile, as it is tarnishing my credit history unjustly. 

As seen below the supporting documents show inaccurate and not congruent payment history/status of this account. For XX/XX/XXXX one bureau ( XXXX ) is reporting a payment versus the other bureau ( XXXX ) is reporting a CO status. This incorrect date and error is confusing me and hindering my financial status! Again since the furnished data is not congruent and there is an error with the reporting information this account MUST BE DELETED. 

This letter serves as my last and final warning regarding the inaccuracies in my credit report before LEGAL LAWSUIT ACTIONS are taken.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which resulted in fraudulent accounts being opened in my name after my wallet, containing my ID and Social Security card, was stolen. Additionally, my personal information was compromised due to the XXXX and XXXX data breaches, which likely contributed to the fraudulent activity. As a result, the following fraudulent accounts were reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX account - Account Number XXXX I have provided an FTC Identity Theft Report and a police report verifying the fraud. Despite submitting a dispute to the credit bureaus under FCRA Section 605B ( 15 U.S. Code 1681c-2 ), these accounts have not been blocked from my credit file within the required four-day period.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX Says I owe the XXXX XXXX XXXX XXXX XXXX XXXX  Says I owe them XXXX XXXX  Which is XXXX XXXX. I have never borrowed money from this company before. Please provide correct information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never opened an account with XXXX XXXX XXXX XXXX XX/XX/XXXX Never borrowed money from this company before. 
All of the are inaccurate and incomplete credit information
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX  Account number : XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX XXXX XXXXXXXX is reporting that I have filed bankruptcy and defaulted on a credit card with them in XX/XX/XXXX, Experian is reporting this information. They are also stating that the account was closed in XX/XX/XXXX. This information is incorrect and harmful to my credit. I filed chapter XXXX bankruptcy in XX/XX/XXXX,  this creditor was included in the filing and all was discharged in XX/XX/XXXX.
Product: Mortgage

XXXX XXXX dollars in the loan amount to pay for the White House to stop Foreclosure Money International Veterans Affairs United States XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Approximately XX/XX/2023, I contacted LexisNexis aka XXXX XXXX and requested a copy of my consumer report and to place a security freeze on the account. On or about XX/XX/XXXX, I received confirmation of the freeze, but not the consumer report so I called to inquire about the report and was told it wasn't requested so I would have to do so in writing. So again I submitted the request also with verification documentation. Approximately XX/XX/XXXX, I received a link and password to the report which didn't work. 

On XX/XX/XXXX, I called to get support with accessing the report and also stated that I would like to dispute some items on the report. XXXX told me there was already a dispute and I replied, how is that possible when I haven't even seen the report so I would like to start a dispute now, she hung up on me. 

I called back and got XXXX, agent # XXXX from the XXXX who refused to take the information I wanted to dispute. I reminded him that I have a right under the FCRA to dispute any data they collect and that I never authorized or consented to them sharing any information about me, especially unverified public information. 

After several minutes of refusing to take my dispute, I advised him I was recording the call and would report them to CFPB and the Attorney General 's office or whoever I could report the too for violating my rights. 
XXXX finally began taking the dispute, but when I got to the section regarding the bankruptcy, he flat out refused to place the dispute. He insisted that it had already been verified and he would not put it in the report. I then asked for the method of verification. What clerk had they spoken with, what was the phone number and in which court. I then reminded him again that I was recording the call. I advised him that Indiana XXXX XXXX would not verify any such information and he could find that on their website, so unless he could show proof, I want all of the items I requested to be deleted. Finally he began the report and gave me a reference number. Then I noticed that their other company XXXX also had a report, and I asked to dispute it as well. They had a XXXX page report spanning over 30 years with people and places I either didn't know or addresses I never lived. I don't believe he actually submitted the dispute and that is why I am submitting this complaint..
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive asked for the debt to be validated twice to no avail
Product: Credit reporting, credit repair services, or other personal consumer reports

An annual fee was billed XX/XX/18. I notified XXXX I no longer wanted their XXXX XXXX account and they billed the annual fee anyways.They eventually reversed the fees and close the account but they never removed the late marks and they closed it showing bank request rather than customer request.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, Every time I submit my payment to Costco Anywhere Citi credit card. My available balance does not reflect my payment until at least 10 days after my payment has been submitted, even if the payment has cleared my bank. This happens every time I make a payment for the last 7 months ( at least ). For instance, I submitted the last payment of {$250.00} on XX/XX/23, cleared my XXXX XXXX account on XX/XX/23, but it wasn't reflected on my available balance until XX/XX/23. I don't think it's right to hold my payment hostage after it cleared my account. If the credit card is holding my payment and not making available to me after it cleared my bank account they should pay me interest applying my credit card interest rate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent {$6.00} ( equivalent of XXXX XXXX  XXXX ) but the recipient did not receive the money, and even today ( XX/XX/XXXX ) the transaction still says " Processing ''. I have not received resolution from Sendwave customer service despite calling and enquiring about this transfer. 

XXXX XXXX XXXX XXXX, Sent XX/XX/XXXX at XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I reviewed my credit report and noticed fraudulent items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never been associated near or opened this account it is fraudulent also whatever address attached is also fraudulent I am attaching the lawful codes on which is in violation of the law 15 USC CODE 1681N,15 USC 1681o,15 USC 1681e,15 USC 1605, 15 USC 1681 15 U.S CODE 1681 ( S ) - 2 SubSection 1F 15 U.S CODE 1681 ( 4 ) 15 U.S CODE 1681 ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint on an account stored on my credit report with Experian and XXXX XXXX. Experian just sent me an update stating that the dispute is closed, and XXXX XXXX verified the account. I know I made the payments on that account in XXXX XXXX XXXX. Once again by law, I have the right to have the dates validated by the Data XXXX reporting me on my credit report, which would be XXXX XXXX and Experian. By law VALIDATION not VERIFICATION would be the bank statements from XXXX XXXX showing I didn't make the payments. I want my VALIDATION which I'm entitled to. If XXXX and Experian don't provide that they would be in DIRECT VIOLATION of the Law.No one should be able to break the American Law. Without that VALIDATION experian and XXXX would be False Reporting, which is a violation of the law. by other means, Experian and XXXX are reporting this account without my written consent. I HAVE THE RIGHT TO MY PRIVACY WHICH THE LAW GRANTS ME. PLEASE CAN XXXX AND EXPERIAN PROVIDE ME AND THE CFPB WITH THE WRITTEN CONSENT OF MY STATING TO FURNISH THIS ACCOUNT? EVERYTHING EXPERIAN AND XXXX HAVE BEEN UPDATING TOME IS FRIVOLOUS DUE TO THE FACT I VALIDATED AND HAVEN'T RECEIVED ANYTHING BUT FRIVOLOUS STATMENTS. AS STATED IN THE FCRA LAW THE CREDIT BUREAUS SHOULD TREAT ME WITH THE RESPECT THAT A CONSUMER DESERVES, WHICH I FEEL AS THOUGH I'M NOT BEING TREATED WITH THAT RESPECT. EXPERIAN AND XXXX ARE BREAKING SO MANY LAWS AND GETTING AWAY WITH IT. AT THIS TIME I'M GIVING XXXX XXXX XXXX PERMISSION TO SPEAK AND ACT UPON MY BEING. YES, I'M FAMILIAR WITH THE FCRA LAW AND THE FTC LAW, IF I HAVE THE RIGHT TO MY PRIVACY I WOULD LIKE THE XXXX XXXX ACCOUNT REMOVED IN GENERAL FROM MY CREDIT REPORT. ALSO, EXPERIAN AND XXXX CAN EVEN VALIDATE NOT VERIFY THIS ACCOUNT, WHICH SINCE THEY ARE HOUSING IT THEY MUST HAVE THE VALIDATION TO PROVIDE ME. WHEN FILING A DISPUTE WITH THE CREDIT BUREAUS ONLINE YOU ONLY HAVE XXXX SPACES TO TYPE YOUR COMMENT, WHICH IS NOWHERE NEAR ENOUGH SPACES. PLEASE STOP LETTING EXPERIAN AND XXXX BREAK ALL THESE LAWS WITHOUT NO ACTION BEING TAKEN AGAINST THEM.
Product: Debt or credit management

I ran into some financial hardship. I owed Wells Fargo a fair amount of money on a Business Line of Credit that I could not pay {$63000.00} partly due to experiencing 3 Hurricanes in the last two years and being designated a disaster area. In addition to the economy being poor. They agreed to a settlement amount of 60 % of the balance in XX/XX/XXXX. I have a confirmation letter of that in which I had to pull teeth to finally get on XX/XX/XXXX. The settlement offer was for {$38000.00}. I had applied for a debt consolidation loan with another bank - XXXXXXXX XXXX. Though the course of submitting statements and getting an approval to pay several other creditors, XXXXXXXX XXXX paid the entire balance of {$63000.00} by mistake with a cashiers check that was deposited by WF on XX/XX/XXXX, instead of the settlement amount of {$38000.00}. Obviously, I am now requesting the difference of {$25000.00} be refunded. This is now XX/XX/XXXX and I have contacted them numerous times and they continue to give excuses that they need more time to do their research. As of today, XX/XX/XXXX, they again stated they need more time to do their research and that they would contact me by XX/XX/XXXX. This is unacceptable. How long does it take to look at a check that was deposited on XX/XX/XXXX? This is a grade school formula. They received XXXX, they agreed to {$38000.00}, now send me the difference of {$25000.00}. It's that simple, yet they continue to play games and I have had it. It's not right.
Product: Mortgage

I applied for a mortgage with Bank of America on XXXX XXXX. When I contacted XXXX XXXX that day he bragged about BofA 's on time closing rate and said they would be able to close on our new home XXXX XXXX. He ran # 's and asked for me to send him required documents. He said we were approved to buy the new house and then sell our home 3 days later. Every conversation with the man he assured me we were good to go for XXXX XXXX. We spoke XXXX and he assured me we were on track. Myself and my real estate agent called/emailed repeatedly the next week asking if he had received the title. Friday, XXXX XXXX he finally gets back with me to tell us he had been out of the office at a funeral and did not have the title. There was no email kickback during his absence saying he was out of the office and to contact someone else or an updated voicemail saying to call someone else. So not only could we not close on the XXXX of XXXX because he did n't have someone working on our file while he was he out, but he had n't done the math correctly ( or contacted someone who could do the math correctly ) and we would have to close on our current house XXXX before closing on the new property. The math should have been done when we applied for the loan and we should of been told up front. We were pre-approved for a non-contingent loan by multiple other lenders. So instead of renting a truck for a day for {$100.00} and having the weekend to move and clear out the old house, we would have to get a POD for {$1000.00}. We reluctantly changed the closing to a dual closing on XXXX XXXX. We received the final disclosure on XXXX/XXXX/15 and I found errors. There was no {$500.00} for failure to close on time as promised by BofA, no {$200.00} for being a preferred rewards BofA member and XXXX had forgotten to add {$500.00} from the seller for repairs. I immediately called XXXX XXXX, XXXX manager, and she put me in contact with XXXX XXXX. XXXX did not get back to me until the evening of XXXX/XXXX/15 and at that point we were faced with XXXX choices. Close on time and lose out on the {$500.00} for repairs agreed upon in our contract with the seller or delay the closing and be homeless for XXXX. She asked if either was acceptable and I told her no. She said she 'd contact her manager and get back to me the morning of XXXX. I have yet to hear anything. So we have lost {$2100.00} because of XXXX XXXX and XXXX XXXX inability to do their job effectively.
Product: Mortgage

My mortgage was sold from XXXX XXXX to M & T bank last month. I had set up semi monthly payments with XXXX XXXX, and was able to set it up with M & T bank. Last month on the XX/XX/XXXX and XX/XX/XXXX both banks withdrew the money out of my bank as agreed apron. Not on the XX/XX/XXXX this didn't happen. M & T bank never warned me that the withdrawal was not going to occur and why. I had paid my previous months payments and the letter I received said that they were going to continue on the XX/XX/XXXX. I have contacted M & T bank multiple times and for one reason or other they are not willing to honor the  agreement that we had. They are the ones that didn't honor the agreement and I want them to honor it. I do not trust them by issuing an ACH withdrawal at this time because what has transpired during this process. Now they are threatening me that they will not withdraw my mortgage on the XX/XX/XXXX of this month