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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked my credit reports up & noticed a few incorrect accounts. They do not belong to me. The accounts need to be deleted from my credit reports immediately. Once again, this affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX.
Product: Credit card

My spouse and I have a credit card with Citizens Bank, NA. On XXXX, XXXX, I made a donation to the Shepherd XXXX XXXX XXXX the XXXX XXXX XXXX using my stated Citizens Bank XXXX. I intended to donate {$150.00} ; however, I made a typing error resulting in a donation of {$15000.00}. Plus, I agreed to pay the automatic service fee for the charity which was calculated to be {$300.00}. I immediately recognized my error, trying to correct it through XXXX and Citizens. Citizens XXXXustomer Support said my complaint would be reviewed, On XX/XX/XXXX, my spouse emailed Citizens Dispute Staff after receiving its letter with all of the information it requested to review our complaint. Our information included texts from the donee saying he understood what had happened and how could he help correct the problem. On XX/XX/XXXX, my spouse again emailed Citizens dispute staff to ask why the charge had not been reversed and in response the dispute staff wanted all the original information again. As a result, I wrote the Citizens Corporate staff ( Office of the President ) attaching all the documentation. XXXX XXXX of that staff first called to say he was reviewing the matter and he again called today, XX/XX/XXXX asking for all the information again. Our credit rating has been effected as has the amount of credit available to me. This is unbelievably unacceptable.
Product: Credit reporting

On XX/XX/XXXX, looking over my monthly bank statement. I noticed an unfamiliar charge on my bank statement. Contacted the bank to investigate found out the charge was fraud. The fraud started XX/XX/XXXX through XX/XX/XXXX. After solving the fraud situation with the bank, I started seeking the damage of the fraud. 
On XX/XX/XXXX, I received a copy of my credit report. Going through the report I found a lot of negative issues not related to me. I found Bankruptcy information, a Social and Health SVCS ( XXXX ACCOUNT ), and Credit Inquires being reported as a negative towards my report. I contacted Experian Credit Bureau to dispute the false reporting of these issues. My first attempt disputing through Experian was mailed certified on XX/XX/XXXX. Receiving an updated credit report on XX/XX/XXXX, Experian removed some of the items I disputed, but not all. The items Experian left on my credit report that should not be reported, was some Bankruptcy information, credit inquires, and the Social and Health SVCS ( XXXX ACCOUNT ). I also informed Experian that if the Bankruptcy information, credit inquires, and the Social and Health SVCS ( XXXX ACCOUNT ), accounts are not removed that several people and consumer organizations will be contacted. On my updated credit report Experian refused to remove the XXXX WA XXXX # XXXX, XXXX XXXX XXXX account # XXXX, the XXXX XXXX XXXX Account # XXXX, and the XXXX XXXX # XXXX .... that I am disputing was included in the Bankruptcy. Experian continue to report these four accounts as Negative Accounts when all accounts are included in a Bankruptcy therefore none of the account should be visual on my credit report. Experian also refuse to remove the Social and Health SVCS ( XXXX ACCOUNT # XXXX ). Experian is reporting this account as being open. I informed Experian of the closing of the account in the dispute letter. I also sent Experian the letter I obtained from XXXX ACCOUNT # XXXX showing the closing of my account with them. This meaning the XXXX ACCOUNT # XXXX should not be visual on my credit report at all especially as an Negative Account being stated by Experian. Finally, I am disputing the remaining inquiries that Experian chose to continue visually reporting on my credit report. Experian was sent a Police Report with all the police reporting information of the Identity Theft. Choosing to refuse to remove the inquiries due to Identity Theft put Experian in violation of the Fair Credit Reporting Act. The visual reporting of the inquiries should not be seen on my credit report. 
I have copies of all letters and police report information sent certified to Experian by me as they show proof of contact and effort to have these accounts removed. Also, I have sent a letter from Social and Health SVCS, which shows my account to be closed.
Product: Checking or savings account

Td bank americas most convient bank. turning a fraud victim, into a suspect. 
On XX/XX/XXXX I lost my debit card I didnt report it because I thought I had lost it in the house. 
Then on XX/XX/XXXX town & country called to inform that my check for my rent bounced. So I immediately called customer service to see what was going on and the customer service rep. told me that the account was in a negative balance. So I asked why and she told me about a check that was deposited on the XXXX for {$11000.00} which I didn't deposit. The fraudulent cashier check from XXXX XXXX bank was deposited into my account on the XX/XX/XXXX 2020. based on the regulation E disputes fraudulent transactions started on XX/XX/XXXX. The fraudulent ACH transactions are a total of {$2500.00}. 
The customer service rep. also told me about a whole bunch of transactions I didnt make. The next day XX/XX/XXXX I went to the police station filed a report and then went to the bank to file a claim. After I filed the claim the teller said it would take 15 or more days for the fraud department to investigate. I waited 25 days to go back to the same bank where I filed the claim and the store manager said it takes 45 days for the fraud department to investigate. This the store address XXXX XXXX XXXX XXXX, XXXX  XXXX  MD. after waiting 40 days I never received a response in the mail and no one called me from the fraud department to keep me updated. so today on XX/XX/XXXX I went to the bank at XXXX XXXX XXXX XXXX  to talk to the banker about the fraud investigation and that I wanted to know what was going on because no one had contacted me or sent anything in the mail. Then he told me that my regulation E disputes were denied and that the investigator on my case came to the conclusion that because the pin was put incorrectly the first time, it isnt a fraud. Also denying my regulation XXXX disputes because the pin was put correctly the first time when the check was deposited is unfair because my name and card info could have been stolen at a gas station or ATM by a skimmer device. 
Following this, I will file a complaint to the consumer financial protection bureau because I didn't deposit the check or make all these transactions, or put my account in a negative balance. Plus Td bank was charging me overdraft fees when my account should have been on hold. If the investigator would have looked at the cameras where the check was deposited they could see that it wasn't me. The signature on the back of the check is not mine. I'm being treated like a suspect, not a victim. 
Due to the poor management of the investigation/customer service my account is in $ XXXX which is being sent to collection. 
XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report I found two hard credit inquiries that I did not authorize. 
I reached out to both companies asking to have them removed immediately. i sent certified letters over sixty days ago but they have not been removed from credit profile.
Product: Mortgage

In   XX/XX/XXXX t he last payment of  the Ditech lo an ( they had purchased from  XXXX   )  was due. I had monthly automatic withdrawals established for my lo ad. Four days  prior, realizing I had not gotten anything concerning the payoff of the load, I called  Ditech  asking for the payoff and asking them to no longer take payments from my account since the loan will be paid off. They told me it was too late to cancel the payment for the final amount and they would refund me the difference after the payment. Based upon this, I did n't make the payment. When I noticed they had not taken the payment I notified them and they had tacked on fees etc. They credited the fees to me and gave me the address to send the final payment. I told them i did not expect this to hit my credit report and they assured me it would n't. In  XX/XX/XXXX , I checked the credit report and there it was. They continued to say that they had not reported it. I supplied them all the requested information and they replied by email saying it had been taken care of ( I have copies of the documentation and email ). I checked my credit repo rt in  XX/XX/XXXX  and it is STILL there. When I call them they still  say they did n't report it. The supervisor I spoke with reviewed the notes and though their email said they took care of it, she said the request was denied all 3 times I called in. When I said I had the email stating it had been taken care of she said it was taken care of ... it was denied. She was supposed to contact " them '' again to understand why and call me back the next day. She of course did not. I 'm seeking help to get this error off my credit report. I was unfairly penalized for their error. They admitted it was their error by crediting the fees but they lied repeatedly about reporting to the credit bureau and then refusing to correct the situation.   Thank you.    XXXX   XXXX   (   XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously complained that XXXX  XXXX XXXX put a phony address and social security number on my credit report. The phony address that appears is XXXX XXXX XXXX, XXXX XXXX, CA XXXX. That address does not exist. XXXX  XXXX XXXX also listed the last four of my social incorrectly as XXXX. 

You sent this complaint to XXXX  XXXX XXXX. 

Today I received a reply from XXXX XXXX XXXX via U.S. mail saying that the above information was CORRECT. 

How is it possible that ANY address, in XXXX XXXX, CA, XXXX is correct? My zip code is XXXX. XXXX is the zip code for XXXX XXXX, CA. Additionally, no such city named " XXXX XXXX, CA '' exists. It can't be correct. 

Apparently, someone who works the revolving door between the banks and CFPB just sent this over to XXXX and XXXX didn't do anything but mail that form letter to me. The form letter has no specific information on it at all. It was printed out in a batch that was sent to many complaining citizens and it just claims that XXXX is right and we're all wrong. 

I assume that I have exhausted my Administrative Remedies and am not obliged to SUE THESE XXXX? I'm kinda hoping that you just have a program that forwards this message to XXXX and that some XXXX there actually reads it. I fear, however, that the XXXX at XXXX will be a machine, which will just generate another " we have it right '' letter. XXXX.
Product: Credit reporting or other personal consumer reports

I have chosen to opt out of reporting of furnishers of information as they did not receive my permission to report to the credit reporting company or act as financial institutions. I am revoking whatever permissions they were granted. the accounts will be removed. 

For the purpose of this report-furnisher of information is XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Furnisher of information to credit agencies, the XXXX XXXX and the XXXX reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX of information to credit agencies whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated XXXX  party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Furnisher of information to credit agencies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''
Product: Credit card or prepaid card

I noticed that my credit card account has been marked as closed despite paying it in full and having access to credit. 

The account has been inaccurately marked as " CLOSED ''. I would like to have it marked as " CURRENT '', as it should be because it is an open account.
Product: Credit card or prepaid card

I received notifications that ALL ( XXXX ) my Synchrony Bank XXXX have been closed as of XX/XX/2022. I have no idea why they have been closed other than the fact that ( from what I was told ), I have been deemed high risk, and have the potential to not pay. 

I have quite a few accounts ; that I have never had late payments ; past dues with Synchrony or any other account that I have outside of Synchrony Bank. As a matter of fact, my credit history is Exceptional. The reps that I have talked to asked me to reapply, just figure it out, or read your terms and conditions. I was also told to contact the credit bureaus to see what they are reporting. When I did that, they told me everything on there end was good. 

I have applied for a lot of credit ONLY because I just built a home and needed to things for my home ; however. I am not a high-risk person. My salary is {$140000.00} a year, I pay all my bills on time. 

I am a VERY CREDIT conscious person ; and have been through a lot in my life to clean my credit and keep it clean. The only change that was made to my file was that my Bankruptcy fell off in late XXXX. Thats it. I really dont understand. 
I would like someone to look at each of my accounts individually and help me understand why my accounts were closed and hope for possible resolution. I would like my cc accounts re-opened and given another chance. 

XXXX XXXX no lasXXXX 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  Dont Have the last XXXX yes ( card hasnt come ) XXXX XXXX  Dont have the last XXXX ( card hasnt come )
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received statements from   XXXX   XXXX  . When did get them I was in hospital and explained to them. Caught payments up and they closed my account. Have asked them to reduce interest rate or reopen account. This is the only mark on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Perhaps this is just an oversight or result of high volume of disputes you receive daily. I highly doubt an agency that is responsible of maintaining accurate information would neglect to follow the laws that govern them on purpose. I am sure you will want to tend to my request as soon as possible.       Incorrect Name :   XXXX   XXXX   This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA.       XXXX   XXXX   XXXX   This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA.       XXXX   XXXX   XXXX   This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA.       XXXX   XXXX   This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA.       XXXX   XXXX   XXXX   XXXX   FL   XXXX   This address is incorrect and is not an accurate address for me. Delete this name for violating the FCRA.       XXXX   XXXX   XXXX   XXXX   FL  XXXX  This address is incorrect and is not an accurate address for me. Delete this name for violating the FCRA.      XXXX   XXXX   XXXX   XXXX  FL  XXXX  This address is incorrect and is not an accurate address for me. Delete this name for violating the FCRA.       Incorrect Social Security Number :   XXXX   This SSN is incorrect and is not an accurate SSN for me. Delete thi s SSN  and any accounts associated with it for violating the FCRA.      XXXX  This SSN is incorrect and is not an accurate SSN for me. Delete this  SSN an d any accounts associated with it for violating the FCRA.      XXXX  This SSN is incorrect and is not an accurate SSN for me. Delete this  SSN a nd any accounts associated with it for violating the FCRA.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX year old daughter 's identity information was accessed during a 2023 data security incident involving XXXX XXXX of California and XXXX XXXX XXXX. I received a letter with extensive recommended steps, including pulling her credit report, placing fraud alerts/security freezes, etc. However, because she is a minor, the credit reporting bureaus require this to occur BY MAIL. Mailing copies of her sensitive identity documents and mine seems to be significantly less secure than an online process similar to that available to adults. Why are credit reporting bureaus not required to accept fraud alerts/security for minors online when they are already able to verify my identity?
Product: Checking or savings account

on the XX/XX/XXXX I was double-billed by XXXX XXXX and the Bank of America paid 2 identical payments of XXXX. The bank refuses to return the money. I called the branch and was told they couldn't do anything, I called customer service, what a joke, they said go to the branch. All of this XXXX XXXX nonsense over an obvious double bill. Who pays 2 identical payments to a vendor on the same day? No one. Their online dispute form isn't available and may or may not be in 24 hours. This bank is a dreadful grift on the American people and needs to be broken up in a thousand pieces. I want to close the account but you can see the difficulty when they're talking 45 days to resolve a minor dispute. They are really mind boggling incompetent. They might be big but they're not very good, pathetic in fact. Can't even do sums. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma has been sending me inaccurate credit scores and report through my email and their website Credit Karma Monitoring Service.

Credit Karma company has a business partnership with XXXX and XXXX Credit Reporting Agencies only and not with XXXX. 

On XX/XX/XXXX I received a XXXX alert verification and Notification from Credit Karma that my XXXX XXXX XXXX XXXX XXXX account # XXXX has been placed Current and Deliquency and 30-60-90 days late has been removed and deleted by XXXX  on XX/XX/XXXX. 
Credit Karma implemented a recent XX/XX/XXXX Transunion credit score of XXXX. 
But Credit Karma hasn't displayed the same information and credit score with XXXX. 

Also, Credit Karma is not displaying XXXX XXXX XXXX XXXX XXXX XXXX of a merchandise credit of XX/XX/XXXX till Present.I have been making timely payments since XX/XX/XXXX till Present. 
I made contact directly with Castle Credit on XX/XX/XXXX on my account # XXXX this account is only displaying with XXXX and XXXX XXXX stated to me on XXXX XXXX around XXXX XXXX California time that XXXX XXXX sends verifications to XXXX, XXXX and XXXX. 

I been having many issues with XXXX XXXX XXXX their inaccuracy credit reporting alerts and not reporting accurate credit scores. 

I am XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX are supporting our XXXX XXXX and XXXX in the community of XXXX. 
I am going through a VA Loan and purchase process in Florida and need accurate information what has been implemented on this complaint. 
Is Credit Karma violating my XXXX XXXX Civil Rights Act under Department of Justice? 
Very Urgent Matters!
Product: Debt collection

Hello, Im shocked, surprised, XXXX out both XXXX and XXXX to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.