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

I am writing to file a formal complaint against Experian regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. 

Disputed Items : XXXX XXXX XXXX | unlicensed debt collection practices in GA I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. 

I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to contact XXXX  XXXX XXXX about the credit card i had with them some years ago, in the amount of {$5000.00}. I called them about two months ago to see if I could go ahead and settle since I recently sold my home. They informed me that the account was turned over to someone else, and then that company said it was turned over to sessoms and rogers. I called sessoms and rogers and they informed me I told them not to contact me, which was not true at the time. I filed a complaint against sessoms and rogers and XXXX  XXXX XXXX to the cfpb and XXXX. XXXX  XXXX XXXX on two occasions did not want to comply with the XXXX. on the last occasion, they rejected the complaint from the XXXX. sessoms and rogers never even replied to the XXXX  complaint i had against them. XXXX  XXXX XXXX also informed the cfpb nearly a month ago, that they would contact me directly concerning the credit card account, but they never did. I even called them and each time I called, no one answered and it would also go straight to voice mail. I have been trying to get the credit bureaus to remove this account from my reports since no one at XXXX  XXXX XXXX will talk to me. I am a XXXX veteran and I must report XXXX  XXXX XXXX and sessoms and rogers to the department of justice and to my congressman if they will not have the credit bureaus to remove this item from my credit report. this is getting ridiculous because I am trying to buy a house and I cant now
Product: Checking or savings account

Over the past week my credit card with Capital One has been flagged for fraud and then they put me through XXXX trying to verify who I am and then I tried to XXXX and I could not XXXX because they had issues Capital One dead and then tonight Ill try to make a online deposit and the system is saying they had a snag so I dont know whats going on with Capital One and when I try to file a complaint with a customer service representative they hang up on me so I dont know what their problem is and I am going to close my account and move onto another institution. I thought capital one was good but the way they treat me is absolutely horrifying and I wonder how many other customers they do this too
Product: Checking or savings account

In early 2023 I received an email from Bank of America notifying me of my new Bank of America account. 

I contacted them to close it as I didnt open an account with them. I also told them I was a victim of identity theft and asked them to not open accounts online with my info. 

They told me they found it to be fraud and closed it. Stated the IP address used to open the account was totally different than the info in my credit report. 

Months later, in XX/XX/2023, I received 2 more emails from them about opening my new account 1 with Bank of America another with their subsidiary XXXX XXXX. 

I asked them to close them as theyre not mine. I also asked how did this happen again since I reported the previous account, notified them I was a victim of identity theft and asked them not to open any accounts with my info and they found the previous account to be fraud. 

They could not provide me with an adequate response.
Product: Credit card or prepaid card

TRUIST BANKS XX/XX/XXXX Request cash advance of {$1500.00} Realized didn't need and paid back immediately Called bank to have fees taken off since wasn't a need ; customer agent said because I had paid back they would have to do a reversal to have fees taken off but would be taken care of. 
Called back about 2 weeks when nothing seemed to be done and was told that customer agent didn't do forms correctly and it was rejected and saw new form was submitted and nothing they could do except send email to their supervisor. 
Went into Truist bank to speak with someone since a reversal was done and the {$1500.00} was back in my account and they couldn't do anything but suggested I pay back the {$1500.00} again and hopefully that would clear up the fees. 
Called credit card line again a week later because I now have interest fees along with cash advance fees and was told that it was in progress and someone would be in touch. 
Called again around XX/XX/XXXX to find out what was status and was told that it was still in progress but customer agent would send email to supervisor and should hear back soon. 
Called again today, XX/XX/XXXX, and received the same response of sending email to supervisor and someone would be in touch. 

During this whole process, have not received a response, either by phone, email, letter, or text in response to my numerous and repeated attempts to have fees taken off my account. 

This has been going on for close to two months and I have made numerous attempts to handle before more fees are added but can't get a response or anyone with any authority in branch or on line that can handle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX : XXXX XXXX Account info Account numberXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
Account numberXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
Account numberXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account numberXXXX XXXX  XXXX XXXX Account numbeXXXX Account statusClosed XX/XX/XXXX XXXX XXXX XXXX Account numberXXXX Account statusClosed XX/XX/XXXX XXXX XXXX XXXX  Account XXXX Account statusClosed XX/XX/XXXX XXXX XXXX  XXXX Account XXXX Account statusClosed XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Account XXXX XX/XX/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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of XXXX XXXX and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the XXXX  of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

Experian is improperly reporting a XXXX account on my credit report. It has been well over the allowable 30 days, and they have repeatedly removed and re-added this account without justification. I want to make it clear that this account and its balance do not belong to me, and I expect this issue to be resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, Between the dates of XX/XX/XXXX and XX/XX/XXXX, I applied for mortgage pre-approval with six different lenders, in an effort to identify the best rates. 

I did so in the comfort that this would only be recorded on my credit report as a single inquiry, on the basis of the CFPB 's guidance below : https : XXXX To my surprise, the inquiries were recorded as separate inquiries by each of the credit reporting agencies. As a result, my credit score declined over time as the later credit inquiries were submitted. 

I spoke with agents, supervisors, and supervisor 's supervisors at XXXX, and Equifax. l also called XXXX, but their automated system did not let me speak with a person. I was unable to resolve the issue in any of these cases. In the case of XXXX, the supervisor 's supervisor explained that different credit scoring modules calculate credit scores differently, with some recording mortgage inquiries within a 45 day window as a single inquiry, while others record inquiries only falling within a 14 day window as a single inquiry. 

Please can I ask that all three credit reporting agencies change their reports so that all inquiries within the 45 day period are recorded as a single inquiry in all cases, regardless of which credit scoring module is used? 

Many thanks! 

A
Product: Debt collection

I have no unpaid debt. I have a mortgage that I have always been up-to-date on, and I always pay my bills on time. I have checked my credit report and have seen no red flags. My credit score is XXXX. And yet every day for the past two or three weeks I have gotten a robotic message on my answering machine from Van Ru ( sp? ) asking me to call them. I have n't called them because I know I do n't owe any money, but I want them to stop calling me.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items 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
Product: Debt collection

My checking accounts have been frozen by a third party debt collector on a Time-Barred credit card debt from XXXX issued by Barclays Bank.the Illinois statue of limitations for debt collectors to sue is 5 years from the last payment made in supposed debt. The account in question was closed and the last payment made was XXXXXXXX XXXX according to XXXX Credit Bureau XXXX The card issuer charged off the account in XXXX  and the account is now considered Time Barred in the state of Illinois.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I work as a XXXX in The State of XXXX. I am required to keep my security clearance. During a security check it was revealed that cases had been created without my knowledge or consent. One case was with XXXX XXXX. I have a good relationship with the now, but an account was opened without my consent on XX/XX/2015. That account was not mine and was charged off. It has been placed with agencies, taking away my security clearance. Please have this item removed as it will cost me my job. 

The Account ended in XXXX XXXXXXXX The account is reported as Past due {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 16666 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Money transfer, virtual currency, or money service

I placed an order to a person for a dress and paid them {$150.00} via cashapp on XX/XX/XXXX. I needed the dress for an even XX/XX/XXXX so I verified with the merchant BEFORE I placed my order I would have it in time. I continued to check in every two weeks and all I got was yes you will receive your dress in time it is still being worked on. It was on XX/XX/XXXX I asked for a tracking number for my dress which he did not have so I I initiated a refund as I know had to purchase another dress for my event. I have continued to try and communicate on the status of a refund and all he has said was Ill send it today I have to go to the bank I have all my messages from out communication and I have not yet receive my money. I tried to dispute it with cashapp but because he has accepted payment they can not do much more. I sent a request for a refund and he denied it.
Product: Credit reporting or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX THE FOLLOWING ADDRESS IS ALSO FRAUDULENT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX  XXXX Balance : {$0.00}
Product: Credit card or prepaid card

NEW COMPLAINT For over a month now I had been trying to receive replacement credit cards from Citi. Finally they agreed to send one for me and one for my wife. 
On the XXXX of XXXX I received my card but not the wifes. 
I called and got absolutely nowhere as they said they couldn't use my phone number to verify it was me. No explanation given except that a letter would be sent in the mail with a code. Yesterday the XXXX of XXXX my new card was declined!!! I called again and got absolutely nowhere again. I have had it with Citi and their Professional card which I use to use for business is less than Professional when it is declined. I have called the person, and left messages, who wrote the explanation on my previous complaint XXXX XXXX at CITI several times and have not received a reply as of this time.
Product: Debt collection

This apartment complex added Debit on my credit report for {$3400.00}. I never lived there in my life I never lived in that city were the apartment complex located. XXXX XXXX in XXXX Kentucky. I tried to dispute multiple times through my credit bureau. I have all evidence to support that Ive been living where I currently live for the past six years of my life. I need this removed please. Its affecting my credit score big time.
Product: Bank account or service

This complaint is regarding Citibank and a promotion that was offered via online - Promotion XXXX. The promotion was to earn XXXX XXXX XXXX XXXX after certain criteria were met ( which they were ) including opening a Citigold checking account, make debit card purchases totaling {$1000.00}, and XXXX direct bill pays - all within a certain time period. I opened the checking account via the promotional link and I called to make sure the checking account opening was linked to the promotion ( which they confirmed that it was ). I met all of the criteria and waited for 90 days for the points to post which they have n't. When I called Citibank regarding the offer they said there was no such offer in conjunction with the opening of my account. I have called and send secure messages but they refuse to give me the points which were part of the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax is reporting I have a balance on my credit cards when both credit cards are both paid off. They have my credit score lower than it should be stating I still owe on my credit one card. 

Equifax is showing card XXXX with balance of {$470.00} XXXX balance- {$0.00} XXXX  balance- {$0.00} Equifax is showing card ending XXXX with balance of {$73.00} XXXX balance- {$0.00} XXXX balance- {$0.00}
Product: Credit reporting or other personal consumer reports

I have provide Experian on several occasions my identification and Social Security number with my complaints through the CFPB and they are holding my credit report against me because they saying my lenders doesnt have the same address I have proven through documentation and as attachments to Experian through recent complaints. If there is any lender that doesnt have my address then I am not a customer or client of such lenders. My report cant be held accountable for a third party not having my address information. I am in no contract with any entity that doesnt have my correct address. I didnt have this problem until I filed a complaint with the CFPB about Experian sham investigations. They can not willfully try to get information for any third party that doesnt provide the same information I provide the agency. They are supposed to be stewards of accurate information not investigators for third party verification purposes. I will again add my current name and address information for Experian purposes only that should be shown on my credit report anything else is inaccurate report. I demand access to my credit report on Experian website services. Experian is a for profit company and every since I stop paying to get access to my report and scores I have had this issue. Even when I try to access my free report through AnnualReport website. I am also asking Equifax to correct any name on their report with the name and address on my state drivers license and my social security card that is the only name that should be on my report.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies
Product: Debt collection

I received information that Columbia Debt Recovery inquired into my credit about an unpaid debt for an apartment lease I was assigned to me in fraud. The lease was opened on XX/XX/XXXX and signed until XX/XX/XXXX. A move out notice was given, and the move out was XX/XX/XXXX. The apt building was XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Repeatedly, since and before XXXX XXXX, TRANSUNION has refused to comply with applicable federal law by providing the proof they are required to have on record regarding requests for my credit history. I have demanded that TRANSUNION provide the ( 1 ) method of verification TRANSUNION utilized and the ( 2 ) name and address of the furnisher to whom TRANSUNION sumbitted its dispute investigation and from whom XXXX received the investigation report. TRANSUNION has continuously refused, failed, and ignored my demands for TRANSUNION 's compliance with federal law. Instead, to my detriment, TRANSUNION has and continues to assert erroneously that the XXXX CNTY COURTS is responsible for furnishing the derogatory public record information. Personally, I have discussed at length with the XXXX XXXX CLERK OF COURT and have been advised in writing and verbally that the neither the OFFICE OF THE CLREK nor any court, municipal, state, federal court makes any reporting of public record to a credit bureau! Hence, TRANSUNION is a XXXX defamatory liar! As recently as XXXX XXXX, XXXX in TRANSUNION File # XXXX, TRANSUNION is still reporting a RELEASE OF TAX LIEN on my consumer credit report while trying to sell to me credit score subscription and other consumer credit reporting services. TRANSUNION is aggressively continuing to report this unverified, invalidated derogatory public record even though I have successfully had applied to the consumer records maintained by XXXX, a permanent freeze. TRANSUNION 's lies about having having verified the the reporting as accurate is a XXXX lie!
Product: Credit reporting or other personal consumer reports

Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXXXXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$6900.00}. 
I previously disputed this account stating : ''This account was charged off and I no longer owe money to this creditor but its still showing a balance due. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXXXXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$5200.00}. 
I previously disputed this account stating : ''This account was charged off and I no longer owe money to this creditor but its still showing a balance due. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
In light of the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail.