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

I have been challenging the accurate reporting of this Bankruptcy being reported on my credit with the 3 bureaus for about a year ... Each time items come back verified ... .how is this possible ... i am attaching items being reported on my credit report that state right on the credit report that they are included in a bankruptcy ... looking on XXXX this bankruptcy was discharged XX/XX/2015 ... ..these items need to be removed off my credit report ... .Also looking at this bankruptcy that they are reporting the reference numbers do not match 100 % as it is being reported on XXXX ... the court does not match either ... how can they continue to report this inaccurate information on my report? ... They have not conducted a proper investigation ...
Product: Debt collection

Midland funding sued me over a debt that I had previously tried to pay on. I talked to a representative at the law firm of XXXX XXXX XXXX XXXX and we settled out of court for a smaller payoff. I paid the first half and was then told that I owed XXXX and some odd dollars and the whole debt would be settled. I told them great I will have that in a couple weeks I was given the number to call to make the payment. I was told that papers would be sent to the court and the whole matter would be written off my credit report and reported settled once I paid the remaining XXXX dollars, there was also a lien put against my name until I paid the amount. I called back 2 to 3 weeks later as agreed upon and was told that I was given the wrong amount for a payoff and now owed XXXX some dollars. I told the woman that an agreement had been made she said they would review the tapes and get back to me later that day. They never called back, so 24 hours later I called again and had to explain the entire situation again. They said we will review the tapes and call you back in 20 minutes. four hours late I had to call them back and the manager finally spoke with me, she said she reviewed the tapes and that yes the girl I had spoken with had said the incorrect amount IE the {$1500.00} dollars and I did in fact owe {$3000.00} dollars and the woman said that the final amount the girl said in the call was {$3000.00}. I argued that no the entire time we spoke I repeatedly said that ok I will pay {$1500.00} and it will be wiped clean and she agreed. The manager finally said that she could do it for {$1500.00} but it had to be that week or it was no longer a deal. I scrambled around, got the money and paid it. I asked for a reciept or something in writing and she would not provide it, she said I 'd have to wait a month for the papers from the court to be mailed to me. I asked when it would be reported to the credit bureaus as settled and she said they did n't report that, someone else does. Well, It has been several months now and I am applying for home loans after spending the past year of my life cleaning up my debts from my younger years such as this one and this debt is still showing that I have an unpaid balance of {$1900.00} and that it has not been settled. I bent over backwards for them and they have n't held up their end of the deal. They obtained the money through scare tactics and fraudulent communications and my credit score is still suffering.
Product: Checking or savings account

Back in XXXX ally bank offered a 1 percent cash promo if u deposited new founds and left them in the bank until XX/XX/2023. The bank did not say previous withdrawals would effect the cash promo as long as u deposited by XX/XX/XXXX and left funds in Ally till XX/XX/2023. Im opened a cd for XXXX XX/XX/2023 and left the money in the bank way past XX/XX/2023 therefore meeting the requirements. This should have entitled me to XXXX cash promo However since i moved money from ally before I opened the cd Im not not elegible. I should have been told that before i opened the XXXX k cd but I was told different as long as I deposited from another bank I would be eligible for the bonus. Ally bank is running a complete scam regarding this cash promo Thanku
Product: Credit reporting or other personal consumer reports

I am writing about Experian. I tried creating an account with them through the phone and the app however they are telling me that they are running into an issue when I provided everything they are looking for. I accidentally gave my social security information  to a scammer today because he had all my information for XXXX already and I noticed that he was a scammer when he started repeating himself and started talking to surrounding peers.
Product: Credit card

On the morning of XX/XX/year>, my Bank of America credit card was stolen from my purse, probably when I was visiting with some friends at XXXX in XXXX, Maryland. I did not realize that my card had been stolen, until later in the day, when I checked my phone voice messages, and there was a message from Bank of America. Thinking it might be a scam ( it wasn't ) I looked up the phone number of B of A on my latest bill, and called that number. I learned from that call, that, unknown to me, my credit card had been used at a XXXX. I then checked my purse, and realized that my B of A credit card had, in fact, been stolen. 

Bank of America agreed to send me a new card, with a new account number, and I was left with the understanding that the {$100.00} charged on my stolen card, would be removed. But yesterday, I received a letter in the mail from Bank of America saying that B of A was " unable to approve '' my " recent claim. '' In other words, that {$100.00} charge will remain on my account. 

Once I had learned that my card was stolen, I alerted management at the XXXX where the theft of my card had occurred. I also alerted the XXXX XXXX Police Department, by filing a report, through their non-emergency phone number. 

I have no other problem with Bank of America. They were prompt in sending me the new card. But I want the {$100.00} charge that was incurred after my credit card was stolen, removed from my bill. I always pay my balance in full, but I am not willing to pay for a purchase made with my credit card, after it was stolen. 

I think that the fact that Bank of America called me after the purchase was made at Target, shows that B of A in fact had reason to believe that the purchase made was not by me, but rather on a card that had been stolen from me. I don't know what that reason might have been, but somehow they must have known that this was not a purchase by me, but rather by someone else with my stolen card.
Product: Checking or savings account

I was forced to stop payment on a lost check and the Bank of America charged me {$30.00} to stop payment on this ch

eck for {$50.00}! That is patently unfair! Furthermore, there is apparently no one in charge as manager at the branch
office of the Bank of America, XXXX XXXX XXXX, XXXX, New Jersey XXXX. 

I have written more than half a dozen letters and emails to the branch manager but there has been absolutely no reply!

The branch manager has yet to reverse two {$35.00} charges for overpayment EVEN THOUGH I HAVE OVERDRAFT PROTECTION!

A most shoddy and dishonorable bank!
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now, I am sending my CFPB complaint to notify you that I am not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the information must be deleted. These items has several errors. Under the Fair Credit Reporting Act, Im going to request proof of written removal. You are reporting false information and I believe the company is violating Sections 605b of the FCRA. Please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX  XXXX Balance {$0.00} ; Bankruptcy XXXX XXXX discharged Date Filed XX/XX/XXXX Reference # XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Debt collection

I spoke with the original creditor about this account.That was put in collections from them. They are aware that I am making payments to lower the balance that is owed to the original creditor. The original creditor is aware that I have brought up dispute in regards to. Their third party collection company reporting inaccurate information and damaging my credit. The original creditor has remarked on the account that they need to cease and desist. I notified the third party collection company. That day are in violation of my rights as a consumer. The ballot should not be in a collection status and needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX. I sent a dispute to XXXX, XXXX  and Experian Disputing 2 bankruptcies on my credit reports. The information is inaccurate, so I requested that the items be removed from my credit report. The bureaus stated the information was verified as accurate by the Bankruptcy Court in XXXX XXXX, Louisiana and refuse to remove from my credit report. I contacted the US Bankruptcy Court located in XXXX XXXX, Louisiana and I was advised that they didnt report such information to XXXX, Experian or XXXX. I have been disputing this for 9 months and the bureaus XXXX, Experian and XXXX  are not legally reporting the correct information.
Product: Credit reporting or other personal consumer reports

I looked at my Credit Report on XX/XX/year> and noticed some things are incomplete and inaccurate. According to the FCRA, whenever a consumer report agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. This account, XXXX XXXX Account number XXXX, is not complete and accurate. 

XXXX XXXX Account number XXXX The following is not accurate and reports differently on each of my credit reports from the XXXX Bureaus : High balance Date of last activity Date Reported Closed date Account rating Creditor type Payment status Creditor remark Last payment Payment history
Product: Credit card or prepaid card

I attempted to transfer a {$10000.00} balance from American Express to my XXXX XXXX  MasterCard. 
XXXX claims they sent an electronic check on XX/XX/2021. American Express claims they never received it. 

I am now stuck in the XXXX that is both banks think I owe them $ XXXX ( each, essentially doubling the debt I actually owe ) - with neither one of these financial companies actually trying to find out what happened to the money!
Product: Money transfer, virtual currency, or money service

I received the E-mail pasted below the dotted line in my XXXX mailbox today XX/XX/year>. I called the phone number given to cancel this erroneous transaction, but it is only a sales recording nothing else. I am also following up with Paypal since the transaction receipt carries a Paypal logo. 
==================================================== Thank you for your order Inbox XXXX XXXX XXXX XXXX Attachments XXXX ( XXXX hours ago ) to me This email indicates that your order, XXXX, was handled successfully. The receipt for the transaction dated XXXX XX/XX/year> is attached. Feel free to contact us if you require any more support or information. 

XXXX XXXX XXXX XXXX Purchase Date-XX/XX/2024 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - There is a document described as a receipt attached which I have downloaded and attached in PDF format. This is something that also should be categorized as a scam or fraud, but your form only allows one option. 
______________________________________________________ THE RECEIPT READS : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - You've successfully placed a order of $ XXXXUSD Bitcoin XXXX ( XXXX ) XXXX Thank you for your purchase XXXX, It may take a few moments for this transaction to appear in your account. 

Transaction ID XXXX Transaction dateXX/XX/2024XX/XX/year> Instruction to seller : you haven't entered any instruction Description Unit Price Qty Amount Bitcoin {$370.00} XXXX {$370.00} sub total {$370.00} Total {$370.00} Payment {$370.00} If you have any transaction-related concerns or want to modify your form of payment, talk to our staff at XXXX ( XXXX ) XXXX. 

In order to cancel this order kindly reach out to us soon as we would not be able to avoid this charge after 24 hours. 

PayPal Transaction Notification Email -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I will follow up with Paypal as well since it appears the transaction came through their website. I stopped using Paypal about 3 years ago because of the problems it created in my accounts. Note that this transaction only identifies me by my E-mail address.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have a Square POS system on my foodtruck to process XXXX, with this system I got a Bank Account with Square and a Debit Card. Which since the begining carefully I selected that I will never authorized a Overdraft. 

On XX/XX/XXXX I saw in my square account that I got XXXX transactions with pending status from XXXX XXXX, each transaction was {$100.00}, so I called to XXXX and I reportes, Square representative told me about Block my card in square app few days to avoid any issue, but that square couldnt do much for me because both transactions were on pending status and I had to wait until were complete or they reverse it. 

My first surprise was that on XX/XX/XXXX I got another charge from XXXX XXXX for {$150.00}, inmediately I called to square, I disputed this transaction and I reported to square that my account was in overdraft which I never authorized. XXXX agent told me that he would void my debit card and will request a new one to avoid that I could get more withdraw money in fraudulents transactions. I received an email from square about the estimated date of arrival for my new debit card as proof. 

My biggest surprise and the motive that I am reporting square is that on XX/XX/XXXX, with my debit card desactivated by square and a new debit card was being delivered to me in few days was that still I was being charged for XXXX XXXX for the extra amount of {$150.00} again, inmediately I disputed in the app and I called a representative because this is a clear case of fraude, in that time mu account ( eventough was reported ) was in overdraft for - {$300.00}. 

XXXX agreeded few days later that I will receive a temporary credit for {$300.00} while they were working on my case. 

Last week I received an email from square telling me that they will reverse my temporary credit for transaction on XX/XX/XXXX on XXXX XXXX, because someone in XXXX told them that I made this transaction in person. Since that day I am activelly calling them and filing reports asking them to re open my case, because how can work a debit card without my presence, and which was desactivated. After call them 5 times I received an email from a square agent, telling me that unfortunately they will keep the reverse of {$150.00} because they investigated and I used this card ( desactivated one day before of this transaction in person ), I explained them again about their mistake and they continue ignoring my emails with no answer and a solution.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT and INQUIRIE that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT and INQUIRIES from my credit report. 
ACCOUNT XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

Im a long time card holder of Discover Card for the last XXXX  years. I have had no glitches related to making payments and receiving accurate statements in the past. 

I recently reviewed my account and noticed a XXXX day past due which affected my credit score. The account is up to date, and the assumption I was late is inaccurate. Im requesting a good faith measure from Discovery card to remove the XXXX day past due from all major 3 reporting credit card agencies.

***The portal is inaccurate and not showing an accurate balance based on payment received based on my personal transactions.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of Charge Off : XX/XX/2024 Amount : {$3400.00} I have previously disputed the accuracy of this charge off account with XXXX and XXXX evidence that the information is inaccurate. However, XXXX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

There are inquires on my TransUnion report that are not mine I only have ever had one credit card in life which is still active I have more then 13 inquiries alone on my TransUnion I just learned about credit so this is Hendering me especially when I have no knowledge Companies as followed XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Upon checking my credit report i see two addresses that i am unfamiliar with XXXX XXXX  WY XXXX XXXX, MD XXXX XXXX XXXX WY XXXX XXXX, MD XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX