23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

To whom it may concern, On XX/XX/XXXX my business and personal accounts were locked. I was sent an email from XXXX XXXX  which I immediately responded to with my passport and record of funds deposited. 

Today is XX/XX/XXXX. I have contacted the bank every business day asking to have my accounts open or if there was any information I needed to supply. On XX/XX/2021 I was called by XXXX XXXX - Incident : XXXX XXXX - he told me the checks I scan look digital, I said I take a photo of them for my records and take a photo from my phone using the XXXX XXXX XXXX. He stated he understood the accounts would be reopened, date XX/XX/2021. 

I believe there has been a case of neglect my account has been closed for 28 days. 

I used the bank as my primary business & personal accounts. I use the business account to scan checks from clients which total about 10 checks per month. 

There was a question regarding how I scan my mail which I have scanned to me by a trusted person looking after my house while I am away on business.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Bank XX/XX/2022 XXXX XXXX XX/XX/2022 Sensible Auto XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 Capital XXXX Auto XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 Capital XXXX Auto XXXX XX/XX/2022 Ally Financial XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 2022
Product: Debt collection

i was trying to buy a car, this is how I find this deb that is not beyond to me, I been disputing this with the collection agency for more than 2 months with no answer about my situation, every time I call them they put me and hold and disconnect my call, about a months ago they send me a letter saying that I ask from all credit bureau to remove the collection from my report, XXXX and XXXX did already but im still having it on XXXX which its been impossible for me to remove it, I never had a XXXX before,
Product: Credit reporting or other personal consumer reports

Thank you for taking the time to remove some of the incorrect entries from my credit report. I would like to bring to your attention that there are still some items that need to be corrected. This is my new attempt to notify you that I suffered from incorrect credit reporting and I write to dispute these items in my file resulting from the problem. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an erroneous credit data : XXXX XXXX XXXX ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXEquifax XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> ; XXXX XX/XX/year>. These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on these items are a mystery to me. As required by FCRA XXXX ( XXXX ) ( XXXX ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX  Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/XXXX ( CREDIT LIMIT {$170.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX  Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XXXX ( CREDIT LIMIT {$170.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/XXXX ( CREDIT LIMIT {$170.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction
Product: Credit reporting or other personal consumer reports

As a consumer who takes pride in maintaining a responsible financial profile, I find it deeply troubling to report that despite submitting comprehensive documentation and police reports to Experian, XXXX, XXXX, and XXXX regarding fraudulent accounts on my credit report, as well as over XXXX inquiries over the past couple of years, no substantial action has been taken to rectify these issues. This lack of response not only undermines my trust in these credit bureaus but also indicates a flagrant disregard for their duty to protect consumers like myself. Furthermore, their inaction constitutes a clear violation of my rights as a consumer and flies in the face of federal laws and acts established specifically to safeguard consumers from such injustices. It is imperative that these agencies uphold their responsibilities and take immediate and effective measures to rectify these errors, restore the integrity of my credit report, and prevent similar occurrences in the future.
Product: Money transfer, virtual currency, or money service

I initiated an international wire transfer from my XXXX bank account with Deutsche Bank to my U.S. bank account with XXXX XXXX on XX/XX/2023 for XXXX. After two months of still waiting for my money to arrive, I called XXXX XXXX and they said I had to contact the sending bank, Deutsche Bank, and request a wire recall if I wanted to get the money bank. I then called Deutsche Bank and they said I had to open an investigation before they could request the wire recall. So, I opened an investigation with them, and about two weeks after I called again and they said the investigation had been closed, but the call center could not access the results. Only the employee from the branch at which I opened my account in XXXX, XXXX could look into the more in-depth response. So, I reached out to the person I opened my account with and he said he would make an additional inquiry about the wire transfer and investigation. However, this has not resulted in any further information. Every time I call the Deutsche Bank help center, all they say is that they will reach out to my contact at the branch bank to reach out to me, but I never receive any communication. I have tried to contact him again, and he has not responded. So, my wire transfer still has not arrived to my U.S. account, and the XXXX bank will not submit a request to call back the transfer, which is what I have been trying to do.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

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

XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SSN : XXXX The IRS clearly states that lenders or creditors are required to issue Form 1099-C, Cancellation of Debt, if they cancel a debt owed to them of {$600.00} or more. 

So I am demanding that you remove the following accounts from my credit report immediately since you are in violation of FCRA 15 U.S. Code 1601 and FCRA 15 U.S. Code 1681 section 602. 

XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX REMOVE IMMEDIATELY or face a {$1000.00} fine for each account. 

You are clearly also in violation of the U.S. Code 15 1666 ( b ) as you can see from my attachments that I was not 90 late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX Account # XXXX ( {$15000.00} ) XXXX XXXX Account # XXXX ( {$9500.00} ) Please update both XXXX accounts as paid ON TIME Please send me a new updated credit report in 30 days to the mailing address listed above. 

Regards, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Debt collection

I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Chase Mtg. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within XXXX 10 XXXX ten business days, via certified mail Number : XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction XXXX s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This morning ( XX/XX/XXXX ) I got a notification from XXXX that a new collection was added to my credit report on XXXX. Since I am trying to prevent any new collections to my credit and trying to fix them before they get to this point, I went to this right away. The collection showed up as I.C. System, Inc XXXX XXXX. XXXX XXXX, XXXX XXXX MN ) for an amount of {$100.00}. No other information showed up for the business I owed the amount to, date of services, or anything. I didn't recognize anything and knew I had never received any documentation from I.C. System for any collection activity. I looked them up right away on XXXX and contacted them to see what they could provide in terms of who I may have owed, when they would have sent me any information about it, etc. I called XXXX this morning ( XX/XX/XXXX at exactly XXXX XXXX  central time ) and spoke to someone who asked my name a few times and where I was located then put me on hold and transferred me without telling me why. I was then transferred to XXXX who again asked me the same questions and then told me she could not find any account for me. I asked if they would be removing this account from my credit report since there was no information on me and she said she couldn't do that. The incorrect information will be staying on my credit report even though it is not my account. I am assuming that it is just a matter of time before it is added onto the other 2 credit reporting agencies and lowers my score on those as well.
Product: Debt collection

Unauthorized accounts appear on my credit report. I request they be blocked and erased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this issue with Bank Of America several times since XX/XX/2020 and this has not been corrected.Someone named XXXX XXXX reached out to me recently regarding this issue and failed to respond back to me about my issue and correcting it. Ive contacted their Regulatory Complaints team and still have not gotten a response or a resolution. This reporting of my passed account status is completely inaccurate. The report reflects fraud ; however, no fraudulent transactions nor activity was completed on my account. My checking account at Bank of America, was not used for any fraudulent activity. Nor were funds withdrawn out of the account with any intention to cause my account to go negative. No withdraws were ever made or attempted after the deposit. My account was forced closed due to the activity of the deposits. My previous employer stated that they were going to deposit money in my account and lied and had his checks bounce. As I stated, it was not intentional to make non-negotiable deposit, due to unforeseen circumstances in with my employer at the time I was affected personally due to my checking account being new. 
Ive been trying to get this issue taken care of for several years now and nothing has happened. I was told that the fraud reporting would be removed off my file and to the consumer reporting agencys. Nothing has happened. Ive never had any other issues with any bank. This was several years ago and I have since left that employer. This has caused me so much distress and discomfort and it has been a struggle. I am in the process of buying a home and this flagged fraud account is affecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report agency has falsely used my personal information without my consent and is using it to report to other credit reporting agencies. I notified them to give information on how they received my information and they said from bankruptcy court. I reached out to courts and they have denied to disclose any of my information to credit agencies. I sent the court notice verifying that they did not release any information about me, so the credit agency is falsely using my information to report without my consent and I want this removed from my consumer report effective immediately.
Product: Debt collection

XXXX XXXX XXXX for amount of {$1200.00}. I have sent XXXX XXXX XXXX a debt validation and XXXX XXXX XXXX has not responded to my validation and also has reported this to my credit reporting agency XXXX, XXXX and XXXX. This account does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 604 A section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions.
Product: Credit card or prepaid card

I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 ; 30 DAYS LATE PAYMENT ; XXXX XXXX-30/60 DAYS LATE PAYMENT I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I discovered that Experian is reporting an inaccurate account on my credit report. The account contains several violations of the Fair Credit Reporting Act ( XXXX ), including : Inaccurate Dates ( XXXX U.S.C. XXXX ( b ) ) The report includes future dates ( e.g., XX/XX/year>, XX/XX/year> ), which is impossible and suggests Experian is failing to maintain reasonable procedures to ensure accuracy. 
Inconsistent Account XXXX The account is marked as " XXXX, '' yet it also shows late payments ( XXXX and XXXX days past due ). This contradiction misrepresents the true status of the account. 
Failure to Provide XXXX ( XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ) ) I requested Experian to verify the accuracy of this account, but they failed to provide proper documentation or an explanation of how the information was validated. 
Potential Illegal Reaging ( XXXX XXXX. XXXX ) If Experian is misreporting the accounts dates, this could extend the time the negative information remains on my report, which is prohibited. 
These inaccuracies are damaging my creditworthiness. Despite my disputes, Experian has failed to properly investigate or correct the errors, violating my rights under the FCRA.
Product: Vehicle loan or lease

On XX/XX/XXXX I signed a contract without all documents disclosed. It was discovered on XX/XX/XXXX there was errors made in the signed contract and a clause which states that I should have been given notice of my right to rescind which I was not given at any point. ( a ) Disclosure of obligors right to rescind 15 U.S. code 1635 states : Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until XXXX  of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. Also in truth in lending act of 1962 which state : No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

This contract/ promissory note/agreement is based on deceptive fraudulent practices which there is NO statute of limitations and therefore voids all obligations. Im exercising my rights under 15 U.S. code 1635 ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction.
Product: Debt collection

I wrote to the credit bureaus and explained to them that where I lived they never properly explained that I was going to be liable for the debt. That they only listed me in the apartment lease because I was older than XXXX. I explained to them as well that I never paid anything while I was there I had even said prior to moving out of there that I was going to move and the manager said that it wouldnt be a problem because I was never going to be liable. Later on I found out that in fact I was held liable just like the people that live there that moved out of the place without paying and it affected me horribly because til today reports on my credit report as a collection.
Product: Credit reporting or other personal consumer reports

I DO NOT OWN THE ACCOUNTS STATING BALANCES ON MY REPORT PLEASE REMOVE. MY CREDIT SCORE IS BEING SEVERELY DAMGED AND I AM UNABLE TO GET APPROVED FOR CREDIR CARDS AND LOANS. 

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Date Opened- XX/XX/XXXX Balance- {$700.00}, XXXX XXXX XXXXXXXX Date Opened- XX/XX/XXXX Balance- {$1000.00}, XXXX XXXX Date Opened- XX/XX/XXXX Balance- {$300.00}. 

The information is incorrect and does not belong to me. 

I looked at my Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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 have called every company on my credit report to find out who has my student loan and I am constantly getting the run around. Everyone I call says they do not have my student loan. I called XXXX XXXX XXXX XXXX, Equitable Acceptance, and they ALL say they do not have my student loan. I am trying to put my student loan in deferment and I have received no help at ALL. This is very frustrating and customer service was extremely unprofessional and no help whatsoever. I need to find out who holds my student loans and how I can get them in deferment ASAP.