23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I submitted a formal dispute regarding inaccuracies on my credit report that keeps coming back as verified, According to the Fair Credit Reporting Act ( FCRA ), specifically **15 USC 1681 ( a ) ( 6 ) ( b ) ( iii ) **. The following accounts are reported inaccurately : XXXX. XXXX  ( Account # XXXX ) : XXXX This account reflects a 30-day late payment, which is incorrect. I request immediate correction or removal of this inaccurate information. 

XXXX XXXX ( Account # XXXX ) : ** This account also reflects an inaccurate 30-day late payment. Please correct or remove this error immediately. 

XXXX. XXXX XXXX : ** This account shows a 30-day late payment in XX/XX/XXXX, followed by OK statuses, XXXX XXXX in XX/XX/XXXX, and eventual closure. This reporting is inconsistent and inaccurate, as this account was never late. 

XXXX. XXXX XXXX : ** This account is reported as a charge-off. According to the IRS, a 1099-C was filed as of XX/XX/XXXX, but I have not received this form to report on my tax return. This violates IRS regulations, as I am entitled to this form. This further demonstrates the inaccuracy of the reported information. 

XXXX. XXXX XXXX XXXX Account # XXXX ) : ** This collection account was last updated in XX/XX/XXXX, per statement on my report mailed to me XX/XX/XXXX, yet no description of how the dispute was verified has been provided or updated since XXXX it is now year XXXX. I requested this information during multiple disputes in XXXX, XXXX, and XXXX, but Experian has failed to comply. 

I have submitted disputes on the following dates : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX Most recently, my dispute was completed on XX/XX/XXXX. Per **15 USC 1681 ( a ) ( 6 ) ( b ) ( iii ) **, Experian is required to provide a description of the procedures used to determine the accuracy of the information within five days after the completion of the investigation that I requested. As of today, XX/XX/XXXX, this information has not been provided, constituting a violation of my rights under the FCRA. 

These issues have persisted for over XXXX years despite my repeated efforts to have them resolved. I demand the immediate removal of the inaccurate items listed above, as Experians continued failure to correct or delete this erroneous information violates federal law.
Product: Credit reporting or other personal consumer reports

XXXX Block Request- ( XXXXXXXX XXXX ACCOUNT # XXXX DATE OPEN XX/XX/XXXX AMOUNT {$310.00} ) ( XXXX XXXX ACCOUNT # XXXX DATE OPEN XX/XX/XXXX AMOUNT {$0.00} ), ( XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPEN XX/XX/XXXX AMOUNT {$350.00}, ( XXXXXXXX XXXX XXXX DATE OPEN XX/XX/XXXX AMOUNT {$370.00} ). 
INQUIRES - XXXX XXXX Dear Sir or Madam : I am a victim of XXXXXXXX  The information listed below, which appears on my credit report, is the result of that trafficking. 
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 
INQUIRES - XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act
Product: Credit card or prepaid card

I never applied for a credit card account with Bank of America. 

I received a letter from Bank of America ( BoA ), dated XXXX XX/XX/XXXX, indicating they detected suspicious activity on my credit card and they were temporarily suspending my account. The letter also stated they would close my account if they did not hear from me within 25 days. On XXXX XX/XX/XXXX I received another letter from BoA, dated XXXX XX/XX/XXXX, stating I've " been approved for your BoA credit card account ''. That I would receive a " card '' within 2 weeks for a credit line of {$20000.00} and a credit line of {$6000.00}. 

I have tried to contact BoA many times but can not speak to anyone unless I have an account or give them my SS number. I do not have an account number and will not give them my SS #. I also filed a dispute with XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX when my credit report showed an open BoA credit card account. XXXX removed the account. The dispute with XXXX is still in progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refuse to pay the alleged obligations on my credit file because I have not signed a binding contract with the persons listed below. secondly if there is a contact binding me to any person listed below the signature is fraud and was not signed with my own hand. thirdly the persons listed below is reporting unverified information on my credit file with extortionate intentions to blackmail me into paying a alleged debt not owed to them there conduct is a violation of 18 U.S.C 894. Lastly i never gave the persons listed below written permission to use my personal information. the use of my personal identifying information was obtained by Aggravated Identity theft wherefore there conduct is a violation of 18 U.S.C 1028A. 
If this credit reporting agency continue to report these accounts you admit to be conspiring to the crime committed by the persons listed below. FTC identity theft affidavit enclosed. 


XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX Closed XXXX negative monthsAccount Info Account number XXXX XXXX XXXX XXXX negative monthsAccount InfoAccount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days. 

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: Checking or savings account

I MADE A DOMESTIC TRANSFER FOR XXXX USD ON XX/XX/2022, THEIR WEBSITE STATES IT CAN TAKE 24-48 HRS. THEY IMMEDITELY TOOK MY MONEY AND CHARGED XXXX DLLS AND APPEARED AS A COMPLETED TRANSACTION IMMEDIATELY. SO I CALLED MY RECEPIENT AND THEY DID NOT GET IT. I CALLED WELLS FARGO TO MAKE SURE THE INFO WAS RIGHT, ACCT NUMBER AND NUMBER ARE. WELLS FARGO KEEPS SAYING 3 BD FOR IT TO COMPLETE. MY RECIPIENT CALLED HER BANK AND WAS TOLD THEY REJECTED IT CAUSE HER NAME WAS OFF BY ONE LETTER. WELLS FARGO KEEPS SAYING IT WAS COMPLETED AND INFO IS CORRECT. SO I WANT TO KNOW IF IT WAS SENT BACK TO ME WHEN WILL I SEE MY MONEY THEY KEEP SAYING IT WAS COMPLETED. NO SUPERVISOR WAS AVAILABLE AND ALL THEY DID WAS A CLAIM. WHEN I WANT TO KNOW AND BE ASSURED EITHER THE RECEPIENT WILL GET THE MONEY OR WILL THAT MONEY COME BACK TO ME AND THEIR ANSWER WAS THEY DO NOT KNOW WHERE MY MONEY IS. NOW I HAVE TO WAIT FOR THEM 10 BD FOR THEM TO TRY TO HELP ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were opened as a result of identity theft. I am requesting that these accounts be deleted and blocked from my credit because they do not belong to me. I have not received any merchandise from these companies or give them permission to open any accounts. Please delete
Product: Checking or savings account

I'm very concerned about my credit. I joined Experian Credit Report Protection for {$24.00} a month after an identity fraud on my XXXX XXXX  at XXXX XXXX in 2018 and I always keep my XXXX Credit Agencies Credit Reports Locked and Frozen. Unfortunately, Experian opened up a digital checking account and debit card in my name without my permission ; I discovered this after I started receiving statements and notices to set my PIN on this debit cardand checking account. This is very similar to what XXXX XXXX did to their customers. I have deleted both from the Experian Website and I filed a complaint with XXXX XXXX, the card I use to pay the monthly {$24.00} for Experian 's credit protection services. XXXX XXXX denined this complaint as I was trying to get my {$24.00} back. The CFPB is the only way I found to find a complaint against Experian for this type of fraud against me while paying a monthly service. This is unfair and it should be a crime! Please contact me at XXXX or XXXX to get more information about my complaint against Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized fraudulent inquires that need to be removed, dispute received by company, company never responded and past over 90 days, fraudulent inquirys listed as XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  - Card ServiceXXXX XXXX - Card ServiceXXXX XXXX XXXX XXXX Equifax Mortgage SerXX/XX/XXXX
Product: Credit card or prepaid card

on XX/XX/2022 I extended my credit to American Express and I was denied and discriminated against! ( Exhibit A ) I also uploaded the letter that I sent to them ( Exhibit B )
Product: Student loan

The company was through a school that is currently being investigated for misuse of funds, loans, education promises etc. The company was suppose to give me {$4000.00} for my student loan so that I can finish school and graduate, they did not. They also claimed that as long as I was in a college or school that all I would have to pay is {$20.00} a month, that did not happen. The more I kept tell the less they listened. After XXXX years I stop paying and request through the original school which was XXXX University online to tell me where my funds went I got no were. Also I was a victim of ID theft from XX/XX/XXXX-XX/XX/XXXX per the IRS so I am not sure being that they do not release their information on an open investigation. I was ripped off to a tune of over XXXX plus. Until today I do n't know if that organization or other are within that investigation, but I did file a police report and have that on file. I do n't like paying for something I never got, I do not work with in a financial institution so I do n't know what funds they kept or release because what was on paper was not what I received. I also had no problem paying the {$20.00} a month because even as we speak I am still XXXX. Been XXXX continuously since XX/XX/XXXX to present so I do n't know why they did not honor there agrement and raised my payment to {$70.00} a month when that was not the verbal or so call written agreement that no one can locate.
Product: Credit card or prepaid card

I have had a XXXX XXXX XXXX credit card since early XXXX, XXXX. I had a {$30000.00} monthly credit limit and paid a {$59.00} annual fee. I travel a lot and the Capital One card was perfect for me as it gave me points for purchases and I did not incur foreign transaction fees. I paid off my statement in full, each and every month since XX/XX/XXXX. I have never been late nor ever charged a late fee. While I have other credit cards, I almost exclusively used Capital One because of the benefits. I have always been told I was a valued customer when I needed consumer services and always felt I was treated like a valued customer until the end of XX/XX/XXXX. On XX/XX/XXXX I got an email from Capital One stating that I was receiving a rewards credit in the amount of {$2500.00} and thanked me for being a Capital One customer. I thought the email was odd because my purchases result in points, not cash back. I was getting ready to leave for a trip the next day, so I didn't think too much about it as the email was very friendly. I thought I would sort out when I got back from my trip. I attempted to make a purchase on the same day ( XX/XX/XXXX ) and the card was declined twice. I assumed it was a glitch and never connected with the email. When I got home I called Capital One customer service and was told my account had been closed due to past, current or future litigation against me. I was flabbergasted. I had, and still have, no idea what Capital One is referring to. The " reward credit '' for {$2500.00} was the cash value of the points I had accumulated. I immediately got a credit report and it shows no negative accounts and no bankruptcies, judgements or liens against me. I have logged onto county and federal clerk of courts looking for cases against me. I find nothing. I called Capital One twice and requested to speak to the most senior person in charge. I reached two different people, both of whom said they could not/would not tell me any more details, said there was no one else I could speak with, no one to whom I could appeal, and the decision was final. They said they sent me a letter which I only received on XX/XX/XXXX. I told the representative they had made a mistake, that I absolutely did not, nor do not, have any past, current or future litigation against me. They flatly denied that a mistake was even possible. They repeatedly told me that Capital One retains the right to close accounts for any reasons. I argued that they were significantly hurting my credit rating, but they refused to provide any assistance. My credit report score is considered Excellent but the Capital One account does not yet show as closed. I have since been accepted for a XXXX XXXX XXXX card with the exact same credit limit. I strongly believe that Capital One has made a mistake and my credit rating will be negatively affected by it. I would like to have this situation resolved so that my credit reflects the Excellent score I deserve.
Product: Credit reporting or other personal consumer reports

XX/XX/year>. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Credit Bureau RE : Update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times.

I have highlighted the items below that are inaccurate and shall be removed from my credit report as soon as possible please. 


Lets Keep Please on my report : XXXX XXXX Please delete the follow inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent these complaints several times in multiple letters, and the unverified items listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA and there are no actions or responses yet. As I reviewed my updated credit report these negative items remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$23000.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX  Balance : {$110.00} ; XXXX XXXX XXXX XXXX Balance : {$950.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and saw many hard inquiries I do not recognize or approve
Product: Credit reporting or other personal consumer reports

I have been disputing with Equifax, XXXX, XXXX and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 

This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my Equifax consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by Equifax, XXXX, XXXX and the other creditors ( XXXX XXXX ). 

I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 

IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY EQUIFAX, XXXX, XXXX AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

XXXX XXXX  XXXX XXXX {$270.00} XXXX  XXXX XXXX {$720.00} XXXX XXXX XXXX {$0.00} XXXX/XXXX  XXXX {$0.00}
Product: Mortgage

My son and family wanted the property but they were not able to keep up payments I helped for years but XXXX XXXX I could no longer assist. 
My loan was originally with XXXX where they allowed me to try a short ale sale to avoid forclosure. After 18 months on market a bid came in and at the that time loan was sold to Bayview Loan Servicing Loan # XXXX and they rejected it so at that time I requested a deed in lieu. On XXXX/XXXX/XXXX I have sent application and since then repeatedly sent documents including the application package twice XXXX XXXX, XXXX then on XXXX they request final document which was sent now on XXXX/XXXX/XXXX the same documents are being requested. over again they were sent either to their document email, processors email or XXXX. And still have issues they have n't received them. Today I again emailed them. It is difficult to get someone on phone. I held 15 min when I asked for a manager then gave up. I would like to be approved for deed in lieu or they can advise me they will move forward with forclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent over a week trying to get my account to work for Experian XXXX XXXX. I went through personal questions only I should know and failed them 4 times before getting kicked out. I tried to call Experian to help me resolve it, and all they did was take me through the exact same questions I failed 4 times before and got THEMSELVES locked out. So they said in order to help me fix it they would have to put in a ticket for me to speak with a supervisor and I would be contacted in 48 hours. 48 hours passed, and I never got a call from a supervisor. I called them back and they re routed my phone number to somebody who said they could not help me gain access to my account and even said they sent me to the wrong people. I then got ignored for 20 minutes and after asking if anyone was still on the phone and getting no response I hung up and tried to call back the original number. They then said that they didn't even see a ticket published for me to speak to a supervisor so either the first representative lied to me or somehow deleted my ticket. They then told me they would put in ANOTHER ticket for me to speak to somebody but i would have to wait another 48 hours. I very grudgingly accepted the fact that I'd have to wait yet again to see if my identity had been stolen which seems totally ludicrous to me. However, it's been ANOTHER 48 hours and STILL no supervisor has contacted me. I am extremely angry with this company. It's taken over a week of my time and hours of calls to get absolutely nothing out of it. This is not some joke or some small problem I'm trying to get solved, i believe my identity and all of my personal information is at a very serious risk and I'm being tossed around phone lines and unhelpful representatives like my information means nothing to them. Since then my phone number has come back as compromised as well. I need to gain access to my account and I have gotten absolutely zero help from the company who's supposed to help me deal with these specific things.