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

I am attaching a copy of my most recent correspondence to a credit line provider, XXXX, regarding their incorrect reporting to credit agencies for my loan for a property in XXXX. I have not received a reply since sending this communication back in XXXX and have paid that line off completely since. Evidently, my plea to right their entry on my credit report has been ignored by the lender. Details of the request below : I reached out to XXXX to clarify the fact that the missed payments on my loan # XXXX were reported on my credit report despite the loan 's having being XXXX in the bankruptcy of my co-borrower. 

In the attached communication to the company, I detailed the circumstances of this loan and all of my bone fide efforts to regain control of the property and my eventual successfully executed transfer of title to my own 100 % ownership through a quit claim deed signed by the bankruptcy-discharged co-borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing this debt for a few months now, and I've written letters and sent them to the bureaus and the company itself. I sent a Debt Validation -609 letter to bureaus dated XX/XX/2022 for the inaccurate items listed under my account which is giving a negative impact on my credit report. I also mailed the Method of Verification -MOV Letter for ff up verification. 
It's more than 30 days and I haven't received any response from my previous letters. I believe it is my right that these derogatory accounts should be deleted due to inaccurate information reported under my account.
Product: Checking or savings account

I made a claim against a fraudulent company to Bank of America. I used my debit card to pay for services from taxnetworkusa but then found out, right away, they are really moneysolver.org which has a massive amount of bad reviews. Also the person who called me from XXXXtaxnetwork ' lied to me by claiming he was in contact with the irs and they were coming after me... .scare tactics.

I made many attempts to contact taxnetworkusa ; 5 emails and several calls explaining this and asking for a refund... all within 24 hours.

My problem is Bank of America has no rational way to make a claim. There is literally no way to send them the information I need for my claim.

They claim that they only have fax for me to send to and I have no way to send these files using fax. That is last century 's technology. I tried online for half a day and failed.

Clearly this is how business is done today ; make it difficult as possible and they don't have to be serious about the claim. The claim will be denied for lack of facts. 
I called BofA many times and was told each time they only accept faxes. How is that possible today?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 or other personal consumer reports

I'm reporting a fraudulent account opened in my name. The auto loan comes up in my credit scores but I never opened a account with that company. They opened it in XX/XX/2020. 

These are the addresses of the person who stole my identity. It comes up on my credit score and they are not mine. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX. 

This is the company the person took my identity from. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX.
Product: Bank account or service

I am an ID theft victim tried to notify the bank. They ignored me closed my accounts horrible service. And never got my pay checks that were direct deposited into the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX  : # XXXX, XXXX  XXXX XXXX  : # XXXX, XXXX  XXXX  : # XXXX, XXXX  XXXX  : # XXXX, XXXX XXXX XXXX # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX did not honor the dispute letters that I've been sending since XX/XX/year>. So, I called to ask why because they have continually sent letters stating it wasn't me sending them regardless of it being in my own handwriting. The representative then kept trying to pressure me to start the process over by making a dispute via phone or upload n their website right then instead of honoring the previous requests. My resolution is for them to honor the dispute letters that I have already sent.
Product: Credit card

ref # Chase XXXX Today I received on XX/XX/XXXX {$60.00} reversal (? ) XX/XX/XXXX, ( {$40.00} ) Payment correction The above no explanation and MORE OBSFUGATION The facts as I see it are : XX/XX/XXXX statement {$130.00} XXXX Post charge XX/XX/XXXX statement ( XXXX ) credit XXXX XXXX  60 rebill XX/XX/XXXX ( XXXX ) credit XX/XX/XXXX {$60.00} reversal XX/XX/XXXX ( {$40.00} ) Payment correction So you can see from all confusion, I have not gotten {$60.00} credit but only {$40.00} My math shows : I paid {$130.00} and got {$20.00} credit which is shown on my bank statement XXXX bank on XX/XX/XXXX as {$20.00} deposit Please " XXXXXXXX XXXX  XXXX '' me thru Chase 's XXXX year saga of obsfugation and all above actions without clear explanation
Product: Money transfer, virtual currency, or money service

I submitted complaint about someone scam and cash app rep wasnt available to stop payment and refused to refund money twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to inform you again I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 items which do not belong to me or were opened without my permission. 
XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; CHILD SUPPORT ENFORCEM XXXX Balance : {$1100.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has had information provided by myself, for over 30 days, that directly resolve my situation. They have information from myself, the original creditor, the settlement and removal of debt that I negotiated over the course of 3 years, with little to no help from XXXX. 

When I call, they state the information doesn't apply on their end, but my report has not changed. At all, and my app does not reflect, adequately that it has been paid and resolved. 

When I called and waited 30 minutes for a supervisor she disconnected the call when she heard something she didn't like and hung it. I find it hard to believe that a 30 minutes hold, and 5 minutes of a call, filled with tension, caused the phone to magically disconnect. 

No call back was provided. No effort to resolve. 

If you are a credit reporting company, YOU ARE NOT THE GOVERNMENT, for one. You're a company getting favor from the government based on a " service '' you provide. The only point of a credit agency is to report truthful and accurate information. 

XXXX XXXX is resolved completely. 
XXXX XXXX XXXX have been resolved completely. 

This complaint encompasses both because if I don't say anything now, about how the CC took over 30 days. Then I wait, 30 days, and complain about XXXX XXXX XXXX. 

That will take 60 days to resolve based on their time table and I have no way to speed up the process, no way to inquire where they are with the process, the application is faulty, the information is only good for people that want to ruin your credit. 

XXXX job is to report properly. They are not reporting properly. They are not following the 30 day rule agreed to by Legislatures and governs corporations as well. 

Everyone benefits from credit scores, except for the person that has a score reported incorrectly and XXXX  makes no real efforts to assist in the process. 

They care more about showing you a card to apply for, to get a finder 's fee, than they care about actually helping the consumer. 

Stop trying to ruin my future prospects with your lazy and inattentive acts that by this point, look more like malice than negligence. With a nice sprinkle of racism and discrimination.
Product: Credit card or prepaid card

I referred XXXX XXXX on XX/XX/2022, for the Chase XXXX XXXX XXXX cash card. Her phone number is XXXX. Her zip code is XXXX She was approved on XX/XX/2022. I sent her a link and I have provided a screenshot showing a text message communication between me and her showing that she got the link. 


For reference, this is the link that I sent XXXX XXXX XXXX XXXX I have NOT received my referral bonus still. I however referred someone else ( XXXX XXXX ) using a different chase XXXX XXXX cash card that I own ( account ending in XXXX ), and I already received that referral bonus. 

I already made a CFPB case with Chase that was closed inadvertently as they said they could not see that I referred her. I'm reopening this case and attaching additional proof of the referral.
Product: Money transfer, virtual currency, or money service

I sold my Wifes XXXX on a tech website called XXXX which has a payment system tied to PayPal. When the buyer placed an order I received a notification from PayPal that my account has been limited. It asked me to submit some documentation such as my photo ID and tracking number. I shipped the device and provided them all the information they asked for. A day later my account was permanently limited and they put a 180 day hold on my funds for no clear reason. I sold the phone because I needed some money and now I have no access to that money for 180 days and I dont really know if I will have access after 180 days either.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING XXXX ACCOUNT XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

XXXX bank has open a account in 2020 this account was open with our my permission and this account is fraudulent, I did not open this account is not mine please remove this account discover bank open this account using my information and stole my identity XXXX XXXX bank Fraudulent accounts please remove from my reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XXXX XXXX XX/XX/XXXX Experian Credit Reporting Agency XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX  Consumer Disputes XXXX XXXX XXXX XXXX, PA, XXXX and/or XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Dear Sir/Madam, Subject : Request for Removal of Bankruptcy from Credit Report I hope this letter finds you well. I am writing to formally request the removal of the bankruptcy filing listed on my credit report, which I believe is inaccurate or outdated based on the following reasons : 1. Error in Verification process. 
You are improperly reporting an alleged Public Record on my consumer report that is clearly in noncompliance with recognize METRO2 Reporting Requisites per the CRGG as well as FCRA, and thus damaging my credit. Without being certifiably compliant with METRO2 reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less public record that was not even reported to you by the alleged Court of Record. Immediately, DELETE ALL record of the following alleged public record, or else provide proof and the verification process of how that proof was obtained by you and that you have verify each notation for the maximum possible accuracy and compliance with all METRO2 reporting standards. 

For your reference, I have attached A letter from the United Stated Bankruptcy Court stating that they do not verify information with the credit reporting agencies. So they verified information is inaccurate or incorrect I would appreciate it if you could review my credit file and remove the bankruptcy listing as soon as possible. If further action or documentation is needed from my end, please do not hesitate to inform me. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of the bankruptcy from my credit report. 

Sincerely, XXXX XXXX XXXX number : XXXX
Product: Debt collection

I AM A VICTIM OF IDENTITY THEFT PLEASE REMOVE OR BLOCK FROM MY CREDIT ASAP..
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX** XXXX ( Original Creditor : XXXX XXXX ) XXXX****,  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX** XXXX XXXX****, XXXX XXXX****, XXXX XXXX**** and XXXX XXXX XXXX****
Product: Credit reporting or other personal consumer reports

XXXX XXXX  charge off on my report is fraudulent and inaccurate information and needs to be removed immediately I've wrote you guys multiple times and you have not removed it like I ask this charge off is hurting my credit score and violating my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax divulged personal information that I provided for their credit reporting services, including social security number, without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Equifax on XX/XX/XXXX, Report # XXXX. However, when my mortgage company pulled my credit on Tuesday, XX/XX/XXXX nothing was changed or properly updated by Equifax. Equifax report still shows the final reported MOP codes from being in this year ( XXXX ) on all of the reports that were pulled ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) which meant nothing has been changed or properly updated. This is time consuming and frustrating. Therefore, I am once again reaching out to your Organization ( CFPB ) to help me expeditiously resolve this issue regarding an incorrect MOP code that is still being reported on my Equifax credit profile. Previously, on XX/XX/XXXX our mortgage lender had to re-pulled what was supposed to be final credit for the purchase of my newly built home. When credit was pulled, they had informed me that they weren't able to obtain an approval through their automated underwriting systems due to the multiple 120-day late markers for the months of XXXX and XXXX. My issue is that XXXX, second mortgage ( along with my first mortgage - XXXX ) were closed and transferred in XXXX and XXXX respectively. In XX/XX/XXXX, the house was sold and the third mortgage ( XXXX ) was paid in full and closed. Below is a snip from my credit report showing XXXX and the negative reporting that cycled for XXXX. Following the XXXX is a snip showing both XXXX and XXXX and the negative reporting that cycled in XXXX. I was told that by XXXX, the third-party vendor my lender used to pull my tri-merge credit report, that what an account is closed the final MOP code reported should not be anything other than a 1. XXXX reported a 60 day late in XX/XX/XXXX ( was not on prior to XX/XX/XXXX ) - Account closed and transferred in XX/XX/XXXX XXXX  and XXXX both reported 120 day late marker in XX/XX/XXXX ( again, nothing prior to XX/XX/XXXX ) - XXXX closed and transferred XX/XX/XXXX - XXXX closed/paid in full after sale on home XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to the credit agencies regarding XXXX ACCOUNT # XXXX, listed on my consumer profile, which has never been properly verified. I HAVE ALSO CONTACTED XXXX, who also failed to provide the proper verification of debt. I have received correspondence from a agent inside of the XXXX XXXX off by the name of XXXX, who said the verification would be provided shortly, violating the FCRA by not producing this evidence within a 30 day period. I then allowed XXXX even more time to provid this wet ink signature contract, which they have only sent a summery of the account statement, TITLED, VERIFIACTION OF DEBT. AFFIANT, ME, XXXX ; XXXX XXXX XXXX, have never seen or witnessed any contract between myself of this corporation. PER FCRA 609a, if this documentation can not be provided within 30 business days, this item must be permanently deleted from my consumer file. ACCOUNT SUMMARY is not valid verification of debt. I HEREBY REQUEST THAT THIS INFORMATION IS DELETED FROM MY CREDIT REPORT WITHIN XXXX business days. THEREFORE, this is a form of fraud, and XXXX has mislead the public, my defaming my name and credit worthiness. Shall these items not be deleted, a litigation process will begin. Please see the attached documentation
Product: Credit card

Unresolved account Settlement : As a final result, " we 've determined the payment was not cashed by us '', after all the payment are delivered to the address provided on the payment stub from the other Money Orders received and post it on my account! The result is unfeasible because it is leading me to believe that the Account Payable Department are going on lunches on my expense, cashing these money orders to different places instead of posting it to my account. 
Since than, I have sent XXXX additional payments, XXXX on XXXX/XXXX/2015 for {$210.00} and another XXXX on XXXX/XXXX/2015 in the amount of {$74.00} ( balance from adding all of my receipts and confirmed from the last statement of XXXX/XXXX/2015 ) which should bring the current balance at {$0.00} again. 
It has been my experience that Customer Service is well practice from the people working at the gas stations, always treated me with respect as well as the agents when calling about my account issues. 
Unfortunately, after submitting all of the supportive documentations several times about money order payments, written the same way, sent at the same address provided on the payment stub, confirmed legitimate address due to, receiving back the Certified Mail Post Card, and cashing them of which some are not getting post it on my account, causing the balance due to fluctuate outrageously amount after each time a manager get 's involve. 
Furthermore, I have great concern about how the company 's Account Payable Department is attending their affairs, such as : - The money orders are received, cashed, written and submitted the same from the ones that are post it as 'Last payment Amount '' and some that are not. 
- Continuation of " Current Balance '' fluctuating higher after payments received and confirmed by your agents. 
- Inconsistency about my account information when speaking to the managers that are disrespectful ( strongly suggest to lesson to your recorded calls ). 
- Repeatedly losing the money orders sent on a timely manner. 
- No confirmation by manager about the interoffice practice in your company. 
These factors are raising a great concern because it is SABOTAGING my account to possibly damaging my credit score. 
How would you feel if this would to happen to you? 
With all due respect, I am demanding that my account be resolve immediately of which it has been going on since XXXX 2015. Please, adjust all surcharges for late payments and to reimburse me of all of the money spent proving a legitimate business with your Company. 
I hope that you understand my frustration and help me about my concerns.