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

I am filing a complaint against Bank of America regarding an inaccurate credit card debt of {$6800.00} on my credit report. I have disputed this three times, yet Bank of America continues to verify the account without providing proper validation. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) as the information is inaccurate and unverifiable.
Product: Credit card or prepaid card

I have a Bank of America Visa Credit Card. The account was paid but my credit bureaus show the account as being charged off and delinquent.. The balance shown is invalid and Bank of America has refused to correct this information on my account. This has caused my credit ranking to go down.
Product: Credit card

I have a credit card with Huntington Bank. On XX/XX/XXXX the online banking portal showed a payment due of XXXX for XXXX. I paid the payment. It posted to the account on XX/XX/XXXX and debited my bank account XX/XX/XXXX. A few weeks later I received a notice saying I didn't pay my bill. I have spoken with approximately XXXX different representatives all who have provided me with different answers. XXXX said mistake disregard letter, XXXX said oh it was a glitch, XXXX told me I need to make a payment once every XXXX  days or it won't credit properly. XXXX told me they would submit a research request. The last contact I spoke with a supervisor who informed me there were no record of previous calls and that she would submit a request to the underwriting to have the payment credited for XXXX. I spoke to her On XXXX XXXXXX/XX/XXXX to which she assured me she would follow up with me on XXXX It is now XX/XX/XXXX and no response. I contacted again and was told no one could help me and that the XXXX would reach out to me. XXXX credited the payment to a previous billing cycle even though online showed a new billing cycle and payment and is now showing my bill as late. I'm being penalized for making my payments too early. I need assistance with having my XXXX payment credited for XXXX as it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filed a complaint with XXXX XXXX XXXX prepaid services, because I didnt receive my funds that was deposited to my account, also I had unauthorized transactions also, my claims was denied, and requested reason for denial, which was sent to me, stating that either I did the transactions or someone I authorized to do so, I filed a appeal with a letter and ruling from a appeals judge stating that a third party gained access to my identity and account information and compromised my account also I have my credit report stating identity theft, and other reasons why denied my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with fair credit reporting act XXXX  account 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 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I received notification by XXXX my credit tracker that showed a company by the name XXXX placed a collection account on my credit report on XXXX/XXXX/2015 for the amount of {$1100.00} and the creditor XXXX. I have never received anything from XXXX owing any money and I never received anything from this collection company virtuoso stating I owed any money and allowing me to dispute the account as it is my legal right. 

As you can see from the attachment I provided XXXX. My account is still active with them and currently owe the money to the company not this collection agency. This account is not in a collection status XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and i noticed some unauthorized inquires on my report which means some type of fraudulent activity was taken place. I ask that the following Hard inquiries listed in my FTC report to be removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I pulled my credit report and noticed I had an active car loan on my report. My personal information was leaked in a data breach and my credit was affected tremendously from this. I initially contacted XXXX XXXX to inquire about this loan and was given proper directions on how to rectify the problem. I have since then been trying to dispute inaccurate information thru the credit bureau ( s ) I contacted XXXX XXXX XX/XX/year> I was told that the car had been repossessed, and a balance was owed on an account that I never opened up. I have disputed this account several times from all 3 companies and have only been notified that the account information was updated and never removed. I sent in all of the information to validate my identity as well as the information to prove this account does not belong to me. This account is hindering me from purchasing a home for me and my family and I need this matter attended to. XXXX XXXX is giving me the run around and not being as attentive as I need them to be. This data breach has affected my life and my credit hindering me from being able to obtain any credit
Product: Mortgage

Hello, thank you for reviewing my new issue. Mr. Cooper is trying to raise my Escrow over $ XXXX this year yet my insurance, my taxes and my monthly FHA insurance is staying the same. It's unbelievable. Even my insurance company, XXXX XXXX, says it's ridiculous yet they have no answers as to why Mr. Cooper could do such a thing. Mr. Cooper is now asking me for over $ XXXX. for my Escrow payment. That's $ XXXX! Yet my insurance is $ XXXX annually, my taxes are $ XXXX annually and my FHA Insurance payment is {$1200.00} annually. That total tallies up to just $ XXXX. Something is going on with Mr. Cooper, this is plain wrong and they are just trying to raise my Escrow for some ridiculous reason and won't give me any answers. I also asked them why I won't be getting an Escrow return back even though I paid an extra {$1000.00} in XXXX for my Escrow and they have no response. This is a clear indication that the lender Mr. Cooper is doing something very suspicious. It's as clear as day. Raising my Escrow $ XXXX from one year to another, come on. $ XXXX + $ XXXX + $ XXXX + $ XXXX it's nowhere near $ XXXX that they're projecting. I'm upset.
Product: Payday loan, title loan, or personal loan

I purchased several items from Conns and after one week one of th items broke and wanted to return all items due to the poor quality. I had to come in an pay a restocking fee of XXXX to pick up all items. I tried to contact CS and ask them to waive the fee and they refused and also indicated that they do not have a corporate office. The agent continued to tell me what he could n't do as this was very frustrating and overwhelming. Additionally when arriving at the store location I was told I would only need to pay XXXX for a restock by store agent XXXX and now I am told by tje woman store XXXX that I would need to pay restock plus deliver which is a total of XXXX items + XXXX delivery charge total of XXXX
Product: Checking or savings account

I want to completely close my wells fargo account due to the numerous unauthorized charges they have allowed in the 10 years I have been banking with them. In addition, their customer service is horrible. 

A family member of mine who is not at all authorized to use any of my cards or money used my phone to " play games '' but he was stealing my debit card info to buy XXXX coins on my phone and send it to his wallet so I would not notice. When I caught him doing it, he admitted to doing it in the past as well, so I filed an unauthorized charge report for all kucoin purchases. They gave me a final credit almost immediately for the XX/XX/XXXX ones but still will not give me an update on the older ones even though they were purchased through the same means ( unauthorized user ). Whenever I call and ask they give me the same run around. 
XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CARD XXXX {$500.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX XXXX CARD XXXX {$2000.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CARD XXXX {$2700.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX CARD XXXX {$450.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX CARD XXXX {$100.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX and was charged {$5000.00} on XXXX. I never authorized this transaction. My computer was stolen, which included all of my information stored on it, which allowed the thief to access my accounts and purchase {$5000.00} on the coinbase account and send the money out to a random wallet. I was offered a provisional credit, but the company will not give me a final resolution still and whenever I call they just say " it is pending '' but offer no timetable.
Product: Credit reporting or other personal consumer reports

I applied for a credit card at XXXX for a car repair on XXXX. Figured pay off in 6mths. Good deal. I use XXXX for my go to place esp. for oil changes, etc. They submitted my information and it came back as declined. I've never been declined on anything before. I went ahead and used my credit card to pay for the repair. I also spoke to the company when I was there. Verified my information, she kept saying I can't pull your information up. So why was it declined? 

I have since received a letter from Comenity Capital Bank based in XXXX OH, never heard of them. They apparently furnish credit cards for different companies such as XXXX. Reason for declining, states : " Inability to verify your previous credit experience '' what the heck does that mean. 

It states on the letter that they use XXXX based in XXXX, GA. I went to look up my credit report through XXXX and find there was no soft or hard inquiry from this company. None. I think I may have been discriminated against due to my last name. I hope not. I want an explanation as to why this bank declined me, when they didn't even run a report through this credit bureau. The other two bureaus, XXXX and XXXX show my credit score in the XXXX 's. I wasn't able to see the score with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings! 
This items was removed and then reappeared when the collection company changed names. This account was from greater than 10 years ago when it was removed. I was successful in getting it removed again but then the same company changed its name again and added it back to my credict. This has been an ongoing issue of an account well over XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

LexisNexis responded to my complaint that they could not verify my identity. I have notice that LexisNexis has used this stall tactic previously even when I submitted all my identification documents. I included my identification and proof of my residence which matches my identification. There is no reason to respond with the generic response that you are unable to verify my identity. LexisNexis has XXXX business days from the filing of this dispute to provide me with my full consumer file that they have on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am requesting the following information get deleted off my credit report.The items I need deleted are listed on the word document attached. 

I am a victim of identity theft and did not open said accounts listed on the word document provided. I ask that all items XXXX fraudulent accounts and inquiries ) be deleted off my credit report. 

I already reported the theft of my identity to the Federal Trade Commission. 

I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Please note that I am submitting this request on behalf of myself. No third party is involved Thanks in advance for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

they keep saying its verified but they have not shown proof of account it is not mine
Product: Credit card

When I purchased an item on my CASH APP card and not receiving the item I Thems requested a refund! They came back and denied my refund when I asked for manager after manager they said they couldnt help me when all I asked for was proof on what basis my refund was denied, I wanted a tracking number and proof of delivery and spent days going back and forth with this company and still havent received my refund or information on why my claim was denied
Product: Debt collection

PayPal hired XXXX XXXX XXXX XXXX XXXX to collect a written off debt that was discharge under 48 stat. 162, 31 CFR 363.144.
Product: Checking or savings account

On the XXXX of XXXX, while reviewing my checking account online, I noted 2 official check requests for a total of nearly {$5000.00} which I had not authorized and had no knowledge of. I immediately contacted USAA through their secure chat line and reported them. Shortly thereafter an email from USAA said a temporary block was placed on my Ipad/tablet for the signature Visa ending in XXXX. XXXX pay transactions will not be permitted but the card can still be used. That was the only communication received from USAA. 

Two days later I tried to get a withdrawal from an ATM and was denied due to insufficient funds. I immediately contacted USAA and was told both my checking accounts were frozen as part of the fraud investigation, and would be frozen for 3 business days. 

On the XXXX of XXXX, I checked my account online and found they were still frozen, and that a fraud affidavit had been mailed to me. I asked they send it by email, but that was declined and it will go to my mail forwarding service, and I will get a pdf of its contents in several days. However, I will not get a hard copy for at least 2 weeks after I return to the US. I was also notified that the fraud investigation may take up to 180 days and may not restore the funds, depending on whether they could be recovered. 

On the XXXX of XXXX, I checked again online and found my account still frozen. I was told by the chat assistant that they would submit a request to the fraud department to find out how long to expect the account to be frozen, but it may take up to 3 days to get a response. I asked about a property tax payment I had scheduled through USAA Bill pay in late XXXX, which USAA said had been completed on XXXX XXXX, but had not yet cleared my account. The assistant said it had not yet been presented to USAA, but if it was while the account was frozen, it would be returned, leaving me vulnerable to the fines and fees associated with returned check. 

I also have a pending property tax payment which had been made through the USAA bill pay system on XXXX XXXX, but which had not cleared my account. I was told the check had not been returned to USAA yet, but if it was while the accounts were frozen, it would be returned accruing interest and penalties. 

Meanwhile, the only communication that I have had from USAA, besides the online chats, was that email on XXXX XXXX. 

So, here I am on foreign travel, with the prospect that I may not get the {$5000.00} fraud that was done through USAAs system with no input by myself may not be recovered, but my current {$20000.00} in my checking accounts are not accessible, and that my property tax payment will likely be returned. 

BY WHAT AUTHORITY CAN THEY CONTINUE TO KEEP MY ACCOUNTS FROZEN?
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies
Product: Credit reporting or other personal consumer reports

I recently have gathered a copy of my credit report because I'm interested in buying a home to start a family. I have been informed that my credit file has been used to access varies mounts of credit files. I've never had no knowledge of ANY OF THESE accounts. I would like this to be removed from my credit file IMMEDIATELY. I appreciate any and everyone involved to helping getting this resolved thank you! 

The accounts are : 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

XX/XX/XXXX [ XXXX XXXX ] XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ mi ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ I want this remove from my credit profile please help remove. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

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

I spoke with the clerk of court and ask her about [ CASE ID XXXX listed from the three credit reporting agencies on my credit report as verified and she informed me that The United States bankruptcy court for the District of Alabama FED BK CT does not provide any information to any credit bureaus or third party. She also told me pursuant to Federal Statute and the Federal Rules of Bankruptcy Procedure only the last four digits of a debtors social security number along with their full name can be released and in order to obtain a debtors full social security number, a third party must file a motion with the court to unseal documents related to any cases so the reporting was false. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them from the bankruptcy court and not a third party. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness.Please attach the evidence of this bankruptcy to this complaint. This bankruptcy do not belong to me and should not stay on my file for 7 to 10 years this is violation of the FCRA
Product: Credit reporting or other personal consumer reports

I have sent a certified letter to LexisNexis on XX/XX/XXXX and they received it on the XX/XX/XXXX. the letter stated to remove bankruptcy because the courts didn't provide no information has such. their respond was they haven't received it, so i send the information again today XX/XX/XXXX certified. it also includes my ID, XXXX bill to verify its me, which the previous letter also included. 


XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL, XXXX LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX To Whom it may concern : This is the second time XXXX sending this later first was on XXXX/XXXX/XXXX now XX/XX/XXXX, which you claimed you havent received. I have a certified receipt that it was delivered and this one will also have XXXX. 
I noticed your furnishing information on my consumer report which is confidential. I have a letter from the bankruptcy court saying they do not report any filings with credit agencies. 
According to 15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
This is a violation of my rights as a consumer, so delete this immediately.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach XX/XX/year> and will like a deletion of incorrect information. 15 U.S.C. 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE FRAUDULENT I WANT THEM BLOCKED AND REMOVED FROM MY CONSUMER REPORT I DID NOT GIVE MY WRITTEN CONSENT TO FURNISH ANY NEGATIVE AND FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT UPON MY RIGHTS PURSUANT TO 15 USC 1681 ( B ) AND THE GRAMM-LEACH BILLEY ACT I AM DEMANDING THESE ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT