23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Incompetent customer service has locked me out of transfer of funds to my bank account. They promise to resolve the issue and to call back but never do. They have in their hands money that they refuse to transfer to my bank account, telling me go to the bank to withdraw it.They ignore the covid-19 restrictions and inconveniences of in person business dealing, necessary appointments etc. I have spent hours on the phone on hold and trying to get them to correct THEIR mistakes to no avail! I tried calling back the number from which the only potentially helpful rep, who did not call me back as promised, to receive the message the number is no longer in service! These are unquestionably the most incompetent, irresponsible, poorly trained representatives in decades I have ever dealt with. They messed up the account, effectively seized my money until I can get an appointment at the bank and are unable to do anything to correct their overreach. They have you on hold for so long that I must plug my cell phone into the computer to keep it charged to the end and hope that I do not exceed my minutes allotment. The ONLY way to get someone potentially competent to assist is to file a consumer complaint that will get their attention. Don't want bad press, just to deliver bad service. Saying customer service is bad, is paying them a compliment .Being on hold for 50+ minutes ( I was told others wait longer ) " appreciating your patience '' is just a way to get you to give up, hang up, go away. That is their idea of customer and attempting to solve a problem. Latest : Their customer service rep disabled my account and they say there is NO WAY for them to correct it. I must go weekly to the bank or an ATM during new covid restrictions and notwithstanding what my balance may be I can not move more than {$100.00} per visit!!!!!!!!!!!!!!!!!!!!!!!!!! They are effectively stealing my money by withholding or delay of payment for their investment profit.
Product: Credit reporting or other personal consumer reports

I called XXXX XXXXy too all for proof of last payment recieved date as well as proof of late payments recieved. They told me they didnt have this information and therefore could not send it to me. If you dont have this information how are you able to verify late payments to XXXX XXXX and equifax ? If you do have this information it needs to be sent to me as I requested to as proof that these supposed late payments are correct. If you can not verify them I request that you remove them as it is illegal to report wrong or unverifiable information on credit reports. Thank you very much.
Product: Debt collection

Debt was resolved with the creditor. Debt collector sent me a confirmation letter that the account was closed. After the debt was resolved the debt collector still reported it to credit bureau.
Product: Credit reporting or other personal consumer reports

This is not my account. I did not take out or authorize any loans with this company ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting negative trade lines. See attachments below.
Product: Debt collection

XXXX XXXX, Social # XXXX XXXX XXXX, XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XXXX, XXXX under the account number ( private ), Credit Card Opened at XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX  opened XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX an auto loan account opened at XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number ( private ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I ' ve attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I asked LVNV FUNDING LLC to supply The date the account was opened The amount of the debt ; Please provide the last date of payment Please provide the orignal account number. 
Proof that you are licensed to collect debts in XXXX  Proof that the statue of limitation has not been reached Proof that they bought or own the debt which they say I owe Please provide an itemized statement showing full history of the account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, 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 XXXX Balance {XXXX  Opened XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX Opened XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXX Balance XXXX Opened XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX, Inquiry : XX/XX/XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and POSSIBLE FINANCIAL, has violated my rights. 15 USC 1681 Section 602 states, I have the right to privacy. 15 USC 1681 Section 604a states, a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b states, a creditor may not treat a credit card account under an open end consumer credit plan as late for purpose. I request that you remove this information from my credit report or investigate the accuracy of it. Please verify the information with the creditor and provide me with documented evidence of the verification process.

As outlined in 15 U.S. Code 1681e, you are required to comply with reasonable procedures to assure the maximum possible accuracy of the information contained in my credit report. If, upon investigation, you find that the disputed information is inaccurate or incomplete, you must promptly delete, modify, or correct such information or block the reporting of the disputed information, and inform the creditor of the same. 

I expect a response from you within 30 days of receiving this letter, as per the Fair Credit Reporting Act 's requirements. Failure to do so may result in legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the following fraud alerts from my credit XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit card

I was out of work and had to use my Bank of America credit card to servive! Example, buy school supplies/ clothing for my XXXX XXXX XXXX XXXX XXXX  gas/ toll/ car insurance, food, phone bill, XXXX XXXX  due to no insurance ( moved here and this state doesn't take my insurance ) list goes on. I've been paying the minimum $ 650- {$700.00} but I can no longer keep up. I spoke with a representative for BOA a few months ago and they couldn't do anything for me. I need help please.
Product: Student loan

On XX/XX/2023, I received an email from Mohela that my " request for forebearance '' was approved. I did not request a forebearance. I am working toward the PSLF and these months in this " administrative forebearance '' that I have been placed in from XX/XX/2023 - XX/XX/2023, is costing me TWO MONTHS toward my 120 eligible payments. This forebearance, that I did NOT request, was merely emailed to me. I do not even have the option to make a payment!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX is currently showing 30 days late way back XX/XX/XXXX and XX/XX/XXXX and 60 days late in XX/XX/XXXX. I have multiple attempts in reaching the bureaus and the company however I do not receive any feedbacks or response from them. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately because this late payment is affecting my credit scores and need it to remove immediately. 
XXXX  XXXX XXXX Balance : {$130.00}
Product: Checking or savings account

XXXX XXXX has been drafting my checking account with Bank of America {$21.00} per month. 

In XXXX I went to the XXXX XXXX near my home to STOP drafting payments and to cancel my membership as I had moved out of the area. 

The draft has continued. 

Last weekend, I went in to the XXXX XXXX location where I originated my membership again and stated I wanted my account cancelled and drafts to stop. 

The gentleman at the desk stated Maam, your account has not been active for XXXX days. I stated, Correct, yet nonetheless, you continue to draft my account {$21.00} per month. 

The gentleman called for his Boss. The two XXXX XXXX employees both began looking in their computers and concluded Maam, Im so sorry, we are unable to locate an account under your name, email address or phone number. 

In my frustration, I expressed my intent for the payments to stop. XXXX XXXX response We dont know how to do that because we dont see you even have an account. 

I want ALL payments since XX/XX/year> ( 2000 days ago ) refunded in their entirety. If XXXX XXXX is unable to verify an account, Bank of America should be unable to draft these funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX 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/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent CRA 's documentation and proof based on the results of the CFPB report that the ( collection account ) XXXX must be deleted. The CRA have not removed it and I have the documentation from the organization as well to support the deletion. 

It should be deleted immediately. This is identify fraud. I have been working with XXXX CRA 's for 3 months and they have not done a proper investigation, when information was requested, they did not have my permission to publish this on my consumer report per Disclosure to Consumer. USC 1681 2 ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. I NEVER gave permission form any credit report to publish my personal identifiable information. ( FRAUD ) I have the document from EASTERN states this needs to be removed. Now, they still have not removed it after sending documentation in to support the deletion of collection account in the amount of XXXX from XXXX Account. I have the letter from the collection agency as well stating they have submitted for it to be removed. In addition XXXX has deleted this from my XXXX report, which supports there was not a proper investigation done by XXXX and Experian. 
I have documented every letter and receipt to support my efforts of removing this from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Complaint is with The credit bureau and XXXX XXXX. Before XXXX repossessed my car. After they repossess my SUV they told me that they would take it of my credit report. Instead theyre reporting it every month as a close account causing me to lose anyway between XXXX points to XXXX points.. I call Equifax. Equifax did nothing to solve the problem. I have a daughter in college and I cant do nothing for her because XXXX XXXX is reporting on my credit report causing my scores to drop tremendously on all three credit accounts. Please help me with this injustice. Please help me so I can live my live again. Please Please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX  ) XXXX ... I C SYSTEM ( Original Creditor : 11 XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXX ( Original Creditor : 09 XXXX  APARTMENTS ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Early XXXX Account disputes were placed with Equifax along with misspellings of my name and addresses that were not mine or addresses I have not lived in years, I contacted several of the listed companies asking to please investigate the account information once found not valid or belonging to me please remove from all three Credit Reporting agencies, however I could not get past the verification steps with the companies due to my personal information was not verifiable with there company ( totally different name, address and Birthdate with 4 companies ) please find attached a copy of a cover page sent from Equifax with a totally different name at an old mailing address, I mailed proof of my identity such as my State issue Drivers License, Proof of my Address and My social Security card to no avail the account information is still there these accounts are not mine or my information was misused, I'm asking once again to update my Name correctly an remove these erroneous accounts. 

To receive information of a Breach regarding my name an information is just far too much,
Product: Debt collection

XXXX used to call me about phone service I 've never had. I have been with XXXX since XXXX and still am. The account on my credit report says that the XXXX account was opened XXXX XXXX which is n't true because I 've always been with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies all 3 that i sent letters by certified mail to verify all my information on my reports. I ask them to verify All my information, they stated in a return letter that they did. But looking at my credit reports almost all the dates and amounts are different and dont match. I ask them remove an entry about an aprtment that was fraudulently put in my name using my personal information, I lived in my own home from XXXX to XXXX located at XXXX XXXX XXXX XXXX XXXX, TX. XXXX and a Company called XXXX at XXXX in XXXX XXXX, TX. allowed someone to get an apartment in my name, using my personal information. This is wrong!! 
The following information in my credit file is inaccurate still, after they said they verified it. 
XXXX at XXXX - XXXX - XXXX. XXXX - several accounts under my name. 
XXXXXXXX XXXX  Acct # XXXX - never had an account with these people, but somehow i owe them {$2900.00} XXXXXXXX XXXX XXXX - Acct XXXX XXXX Trying to collect {$4100.00} on a fraudulent apartment. 
XXXX. XXXX XXXX - Acct XXXX- Never had an account with these people! 
XXXX. XXXX XXXX - Paid them in full but they will not changen the info on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 XXXX XXXX is showing I have a {$10.00} current open balance for my XXXX account. However, XXXX is not reporting properly on a monthly basis to Equifax. What they are reporting is a XXXX balance and closed account. XXXX  I've submitted disputes to all three credit agencies and thru Consumer Finance Protection Bureau and asked for an open balance letter from XXXX showing what is owed. XXXX finally sent me the letter. 

I've spoken to 4 different XXXX XXXX XXXX supervisors over the phone and no one could help me. I went to the XXXX dealership to explain the situation to the account manager. They immediately called XXXX XXXX XXXX- they could not rectify the problem. As of today XX/XX/22 Equifax and XXXX still show that my XXXX account is closed. XXXX is finally showing the proper information that says " in good standing ''. 

This is severely hurting my credit score and causing a higher apr interest rate for the mortgage that I am supposed to close on next Wednesday, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain entries on my credit report. I have reviewed the information provided and found multiple discrepancies that are not only inaccurate but also in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am invoking my rights under FCRA Section 605 ( b ), which requires that any inaccurate, incomplete, or unverifiable information be promptly corrected or deleted. 


Furthermore, I am concerned about the legal obligations under the following consumer protection laws : - **FCRA Section 605 ( b ) ** : Inaccurate information must be removed if it can not be verified. If this is not corrected, it violates my rights under federal law. 
- **FCRA Section 1681i ( a ) ( 1 ) ( A ) ** : You are required to conduct a reasonable investigation into any disputed information and resolve it within 30 days. 
- **FCRA Section 1681e ( b ) ** : You must maintain accurate and up-to-date information, and failure to do so is a violation of my rights. 
- **Fair Debt Collection Practices Act ( FDCPA ) ** : If this dispute involves a collection account that is erroneous or fraudulent, please be advised that continued collection activity would be in violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus ( " XX/XX/2022 '' ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. " XXXX XXXX* Balance : {$200.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXXXXXX Balance XXXX {$200.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}XXXX XXXX XXXXXXXX Balance : {$0.00} "
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible DEPT OF EDXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$440.00} DEPT OF EDXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX Opened XX/XX/XXXXXXXX Balance {$600.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$3600.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3800.00} XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$8.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$44000.00}