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

I am writing to dispute the following information on my credit file. I have circled the items I have disputed on the attached copy of the report I received. 
This report I received on XXXX shows both credit accounts which are Macys and XXXX. These accounts are fraudulent accounts and were opened without my knowledge or consent.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX and XXXX XXXX, I was scammed into sending money through XXXX ( connected to my Bank of America account ) for fake products/ services through a girl I met on a dating app. It was obviously fake and they just took my money that I accidently sent through a link they provided. Two transactions of {$1300.00} and {$800.00} were sent to XXXX, their mobile number seems to be XXXX. 

On XXXX XXXX, another {$600.00} was sent to XXXX, I'm not sure if both these emails were linked to the same group of scammers but it was done through similar tactics. In total, I was scammed {$2700.00}. 

I filed to try and get my money back to Bank of AmericaXXXX XXXX XXXX XXXX department but they were unable to retrieve the funds and closed the case.
Product: Credit card or prepaid card

I have opened US Bank credit card back in XX/XX/2022 as to receive XXXX enroll bonus to XXXX XXXX XXXX. They honored that we will get XXXX bonus miles when we spend {$3000.00} with in 3 months from the date of credit card activated. 
I did spend {$3000.00} with in 3 months and US Bank did not issued XXXX bonus miles.
Product: Credit reporting or other personal consumer reports

CFPB I have asked Experian multiple times to look into inaccuracy 's on my credit report reporting by XXXX  XXXX. Experian has stated the report is accurate. I asked Experian for the investigation report. Experian still has not provided me with the investigation report. one of the inaccuracy that Experian is reporting is as a charge off by XXXX XXXX stating the last charge off date is XXXX XXXX have attach the payment receipt with the confirmation of payment for XXXX  XXXX before that date.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Bankruptcy is listed on my credit report. I didnt file a bankruptcy and I have contacted the court. The court has informed me that they didnt supply them with any ino about me, but the bureau is saying that I indeed have a bankruptcy. It is not being verified because it is ficticious and they have not contacted the court. They are willfully providing false reporting.

I have submitted a fraud affidavit along with the police report number from the city of XXXX # XXXX and they will not remove all of the listed fraudulent accounts and address and inquiries from my credit report.

The listed fraudulent info is XXXX XXXX bankruptcy XXXX XXXX {$11000.00} XXXX XXXX {$4900.00} XXXXXXXX XXXX XXXXXXXX {$1600.00} XXXXXXXX XXXX XXXX {$0.00} XXXXXXXX XXXX {$2400.00} XXXX XXXX {$11000.00} XXXX XXXX {$4900.00} US Dept Treasury {$3700.00} XXXX {$61.00} all Dept of Education XXXX accounts multiple XXXX XXXX XXXX {$5600.00} XXXX XXXX {$5100.00} XXXX XXXX {$160.00} inquiries XXXX XXXX XXXX XXXX XXXX  Fraudulent addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I sent XXXX an application for a hardship modification due to the fact my hardship from being unemployed had ended. The loan was still in forbearance at this time, I had not started the job because orientation was XX/XX/XXXX. So, XXXX wanted the offer letter from the company to see potential earnings and how often the pay is along with a written letter about the status of my hardship. I called XXXX to check the status of the information I sent them via their email XXXX I was told I sent the wrong application and another one will be mailed out to me. There is only one document for mortgage help through this company. I finally received the new application the exact same document that I got off their website only difference it has a tracking number. I filled all entire application out like I did before, let me also state I attached all my bill statements to the first application so that they could calculate my new monthly payment. I received a letter from the bank stating that they needed a month worth of paystubs and a verification of employment from the company I work for on company letterhead ect. There is a verification hotline for the company called : Vault verification with my company code which is : XXXX the company name is XXXX. Once I started work it rook 2 weeks to receive my first paycheck like most companies but I sent the first two check stubs to XXXX with my name and mortgage number on each document for the application. I contacted HR at XXXX to ask if they could give me an employment verification letter and XXXX agreed, I sent the letter and 3 pay check stub to XXXX every time you send an email to XXXX you get a notification from them that they have received the documents. I did everything I was supposed to do to get this hardship modification done yet once again a failure on there part to process my application in a timely manner. Every time I called to check the status of my application I got a different response from each agent. I recorded all conversations with them and it was a big fat run around. The documents state that your application gets stale after 90 days. This the second time I am reporting this company to you because nothing is being done about their bad banking business practices. I have all the evidence to support my case can I file a complaint with HUD because I am thinking Its a discrimination case?
Product: Credit reporting, credit repair services, or other personal consumer reports

The Loancare services company has been reporting inaccurate data for a year. I have disputed the current balance and the original loan amount with each agency, once a month for 365 days. Each time the Loan servicer confirms the incorrect data. They are not reflecting the loan modification amount at all and do not reflect the modified amount online or in any statements. I have entered formal complaints as well as disputes with them with no response. I am eager to find an attorney to formally advise that they are damaging me financially. I make an average of 3-4 calls to the loan servicing company and 5 calls to agencies monthly.
Product: Checking or savings account

I called Citibank to report some fraud charges that were made out state on my account, my wallet and everything inside was stolen from me, i mentioned to the bank that inside my wallet was a piece of paper containing my pin, the bank did their part and initiated my claim, to my belief was that all transactions were added to my claim, little did i know that the bank on their end did not add these 3 transactions, due to what reason i do not know, Bank issued come temporary credits and that's when i realize i wasn't getting all the credits i reported back, i call Citibank once again after i already had received my new card in mail and just to mention Citibank did not change my pin, only issued a new card. The representative that helped me told me that those transactions were not added to the claim when i clearly told them to add them, the failed to do so on their end, the person helping me then initiated a new claim for the missing 3 transactions, as they were not already taken care of, he did the claim and told me wait a 10 day period for credits while we investigate, i waited, days passed no emails no messages on mt Citibank portal nor mail to my address regarding this claim process etc., i took it on my end to call again to Citibank to get an update to find that my claim was denied due to not enough evidence, Citibank never reach out to me regarding evidence or anything in this matter towards my claim and denied it, Citibank is a bank and I'm a customer who reported the transactions i deserve to be treated fairly and get compensated back from my stolen monies, i ask for help to the XXXX XXXX XXXX to help reach an agreement with Citibank as me and my family can't bear this lost and its affecting us really bad, if you can come to a conclusion on all this and a better outcome me my family and everyone would appreciate it. We definitely need it right now with inflation and etc. it's really tsking a toll on us. 

Tranactions amounts and dates : 1. {$160.00} - XXXX XXXX, 2022 2. {$120.00} - XXXX XXXX, 2022 3. {$100.00} - XXXX XXXX, 2022 Total was {$390.00}
Product: Credit reporting

XXXX accounts XXXX, XXXX, and XXXX ARE NOT MY ACCOUNTS ... these need to be removed. I have told them numerous times and no one cares. 
XXXX got these accounts from XXXX. XXXX allows anyone to order from them without any source of identification at all. All you give them is a name and an address and then XXXX. I need these account removed. this is effecting my ability to get credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  AND EXPERIAN HAS REFUSED TO REMOVE A ACCOUNT THAT I NEVER FILED FOR CAUSE TO HURT MY GOOD NAME.
Product: Debt collection

PORTFOLIO RECOV ASSOC XXXX XXXX, 2022 {$860.00} i call mailed ask for supervisors, never should no proof or true info
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been  determined.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX RE : INQUIRY REMOVAL While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquires made by the following companies : XXXX XX/XX/2022 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you Experian permission to furnish this. Information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and also a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry. 

I also demand that Experian produce a contract between you and I, the consumer bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation dealing my signature, I formally request that these fraudulent inquires be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Best Regards, XXXX : XXXX Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

hard inquiries on my credit that i didnt do XXXX ( XXXX XXXX  XX/XX/2024 XXXX  ( XXXX ) XX/XX/2024 XXXX ( XXXX ) XX/XX/2024 XXXX XXXX XXXX ( XXXX ) XX/XX/2024 XXXX XXXX XXXX ( XXXX ) XX/XX/2024 XXXX XXXX XXXX ( XXXX ) XXXX XXXX, 2024 XXXX XX/XX/2024 XXXX XXXX, XXXX XXXX XXXX, 2024 XXXX XXXX XXXX, 2024 XXXX XXXX A XX/XX/2024 2024
Product: Prepaid card

I received two Vanilla GIFT Visa Debit cards as XXXX gifts- one for {$50.00}, another for {$20.00}. I have tried to use both cards in local stores ( XXXX on approximately XX/XX/year> ) and online ( XXXX on XX/XX/year> ). Neither card was accepted. By calling the number listed on the cards, I learned that both cards are active and have the original balance available. I have called the support number many times ; however, there is no option that directs me to report that the cards do not work. I can not get to a person. The automated phone system tells me to go to the above website balance.vanillagift.com and select " report a problem ''. No such option exists. I have gone through every page of the website and can find no way to report the problem. There is a page for tracking a problem, buy you must enter a case number. But if you can't report a problem, there is no case number issued. There is no contact information in which to report the problem other than the phone number I have already attempted. 
The card is serviced by InComm Financial Services. I called their number and was put into a voicemail, but have received no return calls. I am hoping CFPB can get me to a solution.

I have an issue with two cards. In step 4, you ask for card number. There is no option for listing more than one card number. Let me know how you would like me to include a second card number.
Product: Credit card

I did not use this card and my identity was compromised and my cards were used by someone else. I have a police report and they are not taking that into consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the account below Has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681 XXXX  Account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX  XXXX has violated my rights 15 USC 1682 section 602.A States XXXX have right to privacy 15 USC section 604 A.section 2 it also states a consumer reporting agency Can not furnish A account without my written instructions
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case!

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I found out that I lost money from my account
Product: Bank account or service

I had previously submitted a complaint # XXXX against XXXX XXXX Bank that was successfully resolved in XXXX XXXX. It seems XXXX XXXX Bank has merged with KeyBank and now the same issue is happening. I retired in XXXX for health issues. Now living on fixed income. My payment is late every month I acknowledge I am unable to pay on due date because of the time of month my pension is received. I have not missed a payment in 4 years & pay late fee each month. Every month the bank would call everyday at least once despite my asking them in writing more than once not to. They claimed to have not received the letters despite receiving the payment attached to them. At that time the harassing calls stopped. Now the calls have begun again under KeyBank & they have even called my husbands cell phone & he is not on the account. Today I spoke to a representative asking again to not call me & to send all communication by mail. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA ( fair credit reporting act ) XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.Code 1681 Section 602 A. states that I have the right to privacy.

Along with 15 U.S Code 1681 Section 604 A section 2, states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

this company AMCOL has already acknowledged debt to be invalid, removed the reporting only to come back time and time again to report it again and again
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with XXXX, Experian, and XXXX several times to no avail. The following names are incorrect and do not belong to me XXXX XXXX, XXXX XXXX XXXX. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The following accounts do not belong to me and should be removed from my credit file XXXX XXXX XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/2020, Experian is reporting an opened date of XX/XX/2020, XXXX is not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX  considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, Experian and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Mortgage

I have reached out to Specialized Loan Serving on multiple occasions to inquire about settlement options and modification. In all instances, they have refused to work with me. Most recently, I was informed that the loan investor is not accepting any modifications as they are not legally required to do so. My loan is not XXXX XXXX or XXXX XXXX  and they were not able to tell me who the investor was until I requested it in Writing. They did eventually send correspondence notifying me of who the current creditor is ( The Bank of XXXX XXXX  XXXX ). Specialized Loan Servicing previously advised that I reach out to HUD in which I did, however, they only submitted the paperwork for a loan modification which SLS denied again. After denial, HUD recommended reaching out to attorney they referred me to and also suggested contacting CFPB. I have been in my home for 15 years and intend on remaining. I feel that this loan was a product of the predatory lending that took place before the recession and I made payments until my resources were exhausted. I can not keep up with the adjustable rate mortgage and they will not work with me to modify the loan to a reasonable and affordable amount. I am requesting assistance with this matter to fairly resolve the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX XXXX XXXX : XXXX Top 1 % ) Account : Citibank Costco Visa Card Credit Line : XXXX Account Status : Excellent - 4 years held paid balance off every month -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Citibank Closed our Account - again in good standing w/ all balances paid 100 % monthly. 

They claim a call center agent said we 'Refused a Term ' but no such exchange occurred nor can they document. We don't pay any credit card interest and would care about any term ( rate ) changes as we don't live our life 's paying any interest to any of our XXXX ( unused ) lines of credit. We know the Credit score game this is how we have a XXXX XXXX  score. 

Damages : This Closing of a XXXX line of credit for no cause, with zero documentation or even an excuse has caused our well managed Credit Score to drop by XXXX points. 

This big company can not harm or damage us for no cause. 

They may be big but we are smart and will be loud. If they are making up fraudulent reasons to harm good creditors like us ( we are blessed ) what on earth are they doing to lesser fortunate souls? 

I am starting here and need your assistance to pursue all courses of action. They are not too big to be accountable for their mistakes! 

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

IC Systems added a collection account to my credit XXXX XXXX from the original creditor XXXX XXXX. The dates on my account have been re-aged and are therefore illegal. It shows the account was opened XX/XX/XXXX for a term of 1 month and my balance was past due as of XXXX XXXX XXXX This account was opened back in XXXX with XXXX XXXX as The original creditor and XXXX was XX/XX/XXXX.
Product: Checking or savings account

Merchant Name : ATM : XXXX XXXX XXXX XXXX, XXXX XXXX, TX Transaction Date : XX/XX/year> Transaction Amount : XXXX XXXXXXXX Transaction Id : XXXX Claim Amount : {$480.00} Claim Date : XX/XX/year> I went to a XXXX atm to withdraw {$800.00} and only {$320.00} was dispensed. SoFi is claiming that XXXX said the ATM had no issue, and that it balanced. I called XXXX and they said they can't assist. I immediately deposited what the ATM gave me back to sofi! Check the ATM footage and you'll see
Product: Credit reporting, credit repair services, or other personal consumer reports

During a home loan approval process, I was notified by a prospective lender that there was a derogatory item noted on my credit report. This derogatory item has negatively impacted my credit score, hindering my abilities to get a reasonable interest rate on a home loan from the lender. To get a better understanding as to what was affecting my credit score, I had the lender provide a few  details as to what this derogatory item was. It appears that XXXX XXXX had opened an account under my name without my consent. Because I was not aware of this account, this account has now been closed with XXXX XXXX and placed in collections with XXXX XXXX XXXX. My credit report states that there is a balance of {$1800.00} that is currently in collections with XXXX XXXX XXXX. I would like to dispute this claim since I had never consented to opening this XXXX XXXX account.
Product: Debt collection

TO WHOM IT MAY CONCERN : 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 identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the XXXXederal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am asking for your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being XXXX XXXX I requested forgiveness for these payments, which they agreed to, but they are still marked as late. Despite my attempts to follow up, I have not received any updates, and this is my last option.