23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

According to the FCRA, credit bureaus can not report the same account twice. There are XXXX separate accounts reporting twice on my Experian report and I demand they be remove immediately. The accounts that must be removed are XXXX XXXX XXXX with XXXX balance, which this same account is reporting on my file under a different name. The next account reporting twice is XXXX which is reporting the same accounts twice for XXXX accounts, for {$540.00} and {$1300.00} balances. The next issue is missing positive account information for XX/XX/2016 for open XXXX account which should be marked as positive " OK '' status and it is n't. Lastly, the Regions account on my file is completely erroneous and has wrong historical data in which the company has failed to provide physical proof and late records for complete history. I demand all of these accounts to be deleted from my Experian credit file immediately.
Product: Checking or savings account

I have been trying to withdraw money from an online savings account. I set up a transfer on the Banks website. I subsequently received an email stating that I need to to contact the bank for security reasons. A phone number was provided.

I have called the number numerous times prior. Each time I am on a phone hold for an hour or more. This occurred both during the business day and in the evening. I called the general customer service number of the bank and a merely transferred me to the same phone queue for security.

So, I have been completely unable to have access to my funds.
Product: Checking or savings account

I was charged several months for services I did not sign up for nor was provided. It shows on my Account transactions the amount {$32.00} charged for several months under XXXX XXXX as well as transactions XXXX  XXXX {$65.00} in the XXXX timeframe. I contacted XXXX  and they pointed me to XXXX, I contacted XXXX twice ( again today, XX/XX/XXXX ) and they have no records of me subscribing to XXXX  nor XXXX during that time. I tried contacting XXXX and they wont investigate fraud/refunds past 4 months of the transaction. I contacted my bank ( bank of America ) and they wont investigate fraud claims past 1 year from the transaction in question. Today it is 1 year and 2 weeks later ( the last fraudulent transaction was XX/XX/XXXX ) so I am technically within a year to the month. Even if the bank nor XXXX is not able to refund me, this should be investigated as a fraud/scam so it doesnt happen to other consumers. I XXXX  this type of charge and others have posted online having a similar experience being charged ( with also a XXXX XXXX link in their transactions ) services they have with no record in XXXX XXXX or XXXX XXXX  having signed up for the service. Example : XXXXXXXX XXXX XXXX Please see attachments.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I received a letter from PHEAA/Department of Education that I needed to wait 4 weeks before filing my taxes to ensure that the tax offset would be removed. I waited 6 weeks my taxes were still offset their office informed me that it was removed however the Bureau of Fiscal Services said it was not because it is electronic and the system updates every 24 hours. I believe that they never removed the offset and are refusing to take ownership that they made a mistake causing me significant financial difficulty. Even when I informed them that the offset wasn't removed they did not follow up or resubmit the request. Something needs to be done because this is not my fault and I'm paying the price.
Product: Debt collection

XXXX XXXX  I am responding to your notice that you placed in my consumer re-port under collections about a debt you are trying to collect. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was trans-ferred. When you identify the original creditor, please provide any other name by which I might know them. In addition, tell me when the did you obtained the debt. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

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, state a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section state : no consumer reporting agency may make any consumer report containing any of the following item of information other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to A consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the.
Product: Credit card or prepaid card

In attached Capital One response to several of my Consumer Financial Protection Bureau complaints, Capital One states they no longer have access to payment information. They processed payments in accordance to terms Cardmember Agreement. They also state they found no signs of fraud. Capital One concluded by politely stating they needed additional information and I had not called. 
Capital One can not do a proper fraud investigation without the payment information. Large consecutive payments that continually bounced should be a clue. Processing fraudulent payments is not referenced in Cardmembers agreement. Capital One simply states they found no signs of fraud. I request the details of the fraud investigation. Capital One allowed fraudulent use of card by means of fraudulent payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra reporting inaccurate info XXXX XXXX XXXX XXXX XXXX XXXX inquires that i did not do
Product: Debt collection

0n or XXXX I received a notice via email from XXXX XXXX Credit Card Services that an account need my attention, on checking my account I found that Franklin Collections  SVCS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported a collection on my credit report. I have contacted Franklin Collection XXXX four times about this account and explained that this is not my account. They showed no interest in getting this worked out. 
I contacted XXXX XXXX XX/XX/2020 at XXXX hrs talked with XXXX ID # XXXX in reference to this account She could not find any information on this account with my social security number,XXXX Name, XXXX XXXX XXXX or my address XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX OK XXXX Than stated she could not do any thing with out the account number or Social Security number on the account. The Account belongs to My son XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX under hid social number and address. I do not know his personal information. The last four numbers on the XXXX XXXX account from Franklin Collections is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After the investigation, on XX/XX/2022 i was told the two accounts mentioned are not listed on the credit report and all other accounts have been verified. This was false, I listed all accounts with inaccuracies being reported. Refer to the documents attached which shows proof of my complaint. I have not been given a fair and accurate investigation. 

This includes the date last active, the open date, two year payment history, last payment date, and the date last reported. I feel like my rights was violated and i didn't receive a fair investigation. This has cause me so much hardship and stress.

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report. 

Please refer to accounts listed on the documents provided.
Product: Debt collection

PULL MY CREDIT REPORT ON XX/XX/2023 FOUND OUT I HAD UNAUTHORIZED ACCOUNT WAS OPEN UNDER MY NAME WITH ALL THREE CREDIT BUREAUS.I HAVE OBTAIN POLICE REPORT TO LET THEM KNOW WHAT IS GOING ON XXXX XXXX XXXX XXXX WAS OPEN WITH MY UNAUTHORIZED
Product: Credit card or prepaid card

On XX/XX/2021 Bluebird Card Via American Express accepted a deposit for me from the Small Business Association. It was an XXXX XXXX XXXX in the sum of {$5000.00}. I attempted to access my account shortly after I received an email from Bluebird stating that the deposit was received, but was unable to log into my account. I called customer service on XX/XX/2021 and spoke with a customer service rep who informed me that my account had been blocked, she then transferred me to the Investigation team. I spoke with them and was told that my account was permanently suspended and that in order for the funds to be released from my account I would need to have the SBA write a letter of indemnity. After several months of attempting to speak with someone from the SBA, i was able to speak to a paralegal from SBA who informed me that the SBA does not write letters like that and that they do not understand why Bluebird is refusing to release my funds to me or return them back to the SBA. These funds are much needed and have been held in this suspended account for 7 months now without any correspondence from Bluebird. I have attempted for months to contact them. I have sent several emails to the investigation team only receiving automated responses stating that I would be contacted within 10 days, but I have never been contacted. I have called on several occasions only to be placed on hold, then call ended. I am unable to speak to anyone concerning the release of my funds. However I do receive weekly emails reminding me of the balance of the suspended account. I am unable to access my account in any way. I am not sure where to turn to rectify this matter. How can a company just keep someone's money and tell them nothing? This is insane. I just want my money released from this account. either sent to me or back to the SBA so that it can be refunded to me. This matter has gone unaddressed for to long. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a note loan account with XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX, I made a loan payment to pay the account ahead through XX/XX/XXXX. At the time when the payment was made, the loan status was current and was not behind. In fact, this account has not been behind since inception back in XX/XX/XXXX. In XX/XX/XXXX, I made another payment which paid the account ahead through XX/XX/XXXX. Since I started paying this account ahead in XX/XX/XXXX, XXXX XXXX has repeatedly reported to Equifax that my account is 30-59 days behind. I have disputed this information directly with XXXX XXXX on more than one occasion. I have also discussed this situation with the area manager of the local XXXX XXXX office and she has verified and agreed that my account has not been late and stated this would be corrected. 
Additionally, I have disputed the same information with Equifax. Both XXXX XXXX and Equifax are playing the blame game and neither company has taken accountability to rectify this situation. I am seeking to have my Equifax credit file corrected as this situation is preventing me from being approved for a mortgage. 
Fortunately, my credit file with XXXX and XXXX is being reported correctly as current.
Product: Debt collection

I disputed and had removed from my credit a collection by XXXX XXXX originally from XXXX XXXX  XXXX XXXX due to the debt not being mine. Now it appears XXXX has sold this collection to Phoenix and they have put this debt back on my credit reports. I do not owe this debt, I was not the person that required treatment, I was not present at time medical assistance was given. The person to whom medical assistance was given was a legal adult at time of service and was not enrolled in post secondary education. I did not have insurance on the person to whom this debt belongs. 

I also disputed this debt on this site and received a letter from the collection agency that I will upload stating that the debt will not be attempted to collect again on me.
Product: Student loan

I have tried making my payments every month since the payment pause ended. I have paid my student loan multiple times and on my bank statement it shows that I paid. But on the student loan ( MOHELA ) website it says that I have missed two payments and I owe {$800.00} and that there was a payment reversal, but there is no reversal shown on my bank account. They have added {$530.00} interest fee for this month. So instead of owing XXXX I now owe XXXX and this is their fault. I am afraid that it will go on my credit report!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

on XX/XX/23 I received the results of my recent dispute regarding the account XXXX XXXX XXXX XXXX This account was deleted but it was placed back on my consumer report without me receiving any documentation on why. This account is reported inaccurately and It should not have been placed back on my report that's why they deleted it in the first place. 
XXXX XXXX This account has never been verified by the data furnisher after countless attempts to contact the source they have not provided any evidence of the debt bearing my signature. 
XXXX This item states that it has never been disputed in which I have sent countless dispute request for validation of this debt as well. These items are causing extreme damage to my consumer report and I request your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one inquiry on my credit report that does not belong to me I have tried to reach out to the furnisher as well as transunion but they are not helping me out in any way I have not put that inquiry on I have not accepted or approved this inquiry I need this off my credit asap. 

XXXX - TransUnion Inquiry from XX/XX/2020 2020
Product: Mortgage

I would like to again submit another complaint or better, continue with our previous XXXX submitted in XXXX of 2015. To summarize, we have applied for a modification in XXXX of 2015 with Bank of America after our initial complaint to CFPB. After clearly explaining all reasons why our past modifications have been denied, mainly because we do not file XXXX tax returns, ONCE AGAIN they have declined our modification for the SAME REASON. They have wasted 3 months of requesting documents which we again clearly explained they were difficult to obtain ( even though we submitted our tax returns from our Country ) just for us to enter in their loop of false hope they call " process ''. Last time we spoke with a representative on XXXX XXXX, 2015, they advised us that our application for modification had been denied, they told us they would send us documentation for our son to assume the loan ( another convenient alternative for them ). To this date XXXX/XXXX/2015, we have not received neither a written notification of denial nor an application for loan assumption. At this moment, we are in limbo and will not be able to refinance or modify our loan, meanwhile this huge lender still makes a nice profit on a loan at 6.5 %. I hope CFPB may intervene and stop their abusive practice, as Bank of America certainly is not there to help you.
Product: Debt collection

This account is not mine and was opened in my name as I was XXXX. I have given this company proof that I was XXXX  at this time. I was XXXX  from XXXX with the ga department of corrections . I provided legal state documents showing my XXXX  XXXX XXXX This debt is not mine. 

This information was deleted once and put back into my credit report by this same company. Now the debt is showing 1 year and 6 months.
Product: Debt collection

I am writing to formally dispute the debt ] .I do not recognize this debt or the collection agency, nor have I entered into any agreement with your company. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting validation of this debt. Please provide documented evidence, including the original signed agreement, proving that this debt is valid and that I am responsible for it. If you are unable to verify the debt with such documentation, I demand that this item be removed from my credit report immediately, as required by the FCRA. Failure to provide proper validation of this debt will be considered a violation of my rights under the FCRA, and I will seek its removal from all credit reporting agencies. Thank you for your attention to this matter. I look forward to your prompt response within the timeframe established by law.
Product: Credit reporting or other personal consumer reports

I'm writing this complaint for the second time, hello. Last month XX/XX/year>, I wrote a claim to your organization in which I explicitly listed the fake accounts. As a result, there are still accounts on my credit report that shouldn't be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is still reporting a public records on my file that aren't mine. I have sent them a letter directly from the bankruptcy courts showing that they aren't mine and I have also filed an FTC identity theft report showing this same information and they still refuse to properly take the right steps for victims of identity theft and that is given to me under federal laws due to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report. 

XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$340.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$630.00} XXXX  XXXX XXXX {$760.00}
Product: Debt collection

Asked to stop calling, but they still do. Also asked for proof of debt, have never received anything.
Product: Mortgage

Called mortgage broker XXXX XXXX @ Impac Mortgage XXXX/XXXX/16 & requested he re-establish my escrow acct. He said he would. Called Cashcall XXXX/XXXX/16 XXXX am. Spoke to XXXX. She said she would set up escrow acct & have insurance agent send her the bill. Called Cashcall again on XXXX/XXXX/16 & spoke to XXXX. He apologized for XXXX not setting up escrow acct & said he would set it up & would expedite it thru his manager. Escrow acct still not set up.
Product: Debt collection

This debt is not mine. I am not in a contract with National Credit Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED DISPUTING THIS ACCOUNT ON SEVERAL OCCASIONS WITH THE CREDIT BUREAUS AND WITH XXXX XXXX XXXX XXXX. I HAVE BEEN A VICTIM OF IDENTITY THEFT THREE TIMES. THIS ACCOUNT IS FRAUDULENT AND WAS OPENED WITHOUT MY AUTHORIZATION. I AM FRUSTRATED AND TIRED OF DISPUTING THIS ACCOUNT BECAUSE IT HAS BEEN HINDERING ME FROM MOVING FORWARD WITH OTHER FINANCIAL OBLIGATIONS. THIS ACCOUNT IS REPORTING NEGATIVELY AND KEEPING MY CREDIT SCORES DOWN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I am verifying that this is me who is disputing these items. I need this removed asap.