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

On XX/XX/2022, I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. 

I was informed on XX/XX/2022 that the item was deleted from my credit report. 
Now I have discovered that the item has been inserted on my credit report on XX/XX/2022. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX, I applied for and received a short time later my " FREE '' annual credit report from " XXXX '' with my XXXX score of " XXXX '' mailed to my home address of : XXXX XXXX XXXX ; XXXX, California ; XXXX ( where I have only XXXX  years left of my XXXX XXXX XXXXXXXX XXXX home loan on ) which also matches my California driver 's license. 

On or about XXXX, I applied for and received a short time later my " FREE '' annual credit report from " XXXX '' with my XXXX score of " XXXX '' mailed to my home address of : XXXX XXXX XXXX ; XXXX, California ; XXXX ( where I have only XXXX years left of my XXXX XXXX XXXX XXXX home loan on ) which also matches my California driver 's license. 

On or about XXXX, I applied for and received a short time later my " FREE '' annual credit report from " XXXX '' with my XXXX  score of " XXXX '' mailed to my home address of : XXXX XXXX XXXX ; XXXX, California ; XXXX ( where I have only XXXX  years left of my XXXX  XXXX XXXX XXXX home loan on ) which also matches my California driver 's license. 

On or about XXXX, I applied for IN PERSON and opened IN PERSON a " savings account '' with the bare minimum requirements of {$300.00} with XXXX XXXX XXXX  located in XXXX XXXX, California ( about XXXX miles west of my legal home residence of : XXXX XXXX XXXX ; XXXX, California ) which also matches my California driver 's license. However, yesterday ( XX/XX/2023 ), I received a letter from XXXX XXXX XXXX with the " Date of Notice : XX/XX/2023 '' stating in effect that " We regret we can not open your account today due to information received from Chex Systems , Inc., a consumer reporting agency ... And is UNABLE to provide you with specific reasons why the decision was made. '' My State of California and my United States consumer credit rights have been intentionally, maliciously and unlawfully violated by " Chex Systems , Inc. '' for failure to state the " specific reasons '' that caused XXXX XXXX XXXX to CLOSE out my account. 

I was born XXXXXXXX XXXX  as a legal citizen!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent over an investigation request letter to XXXX Transunion and XXXX via Certified mail with proof of delivery and signature. Signed by XXXX XX/XX/2022, signed by Transunion XX/XX/2022 and signed by XXXX XX/XX/2022. I haven't received any letter about a completed investigation or haven't had any deletions based on the inaccurate info regarding the accounts listed in my letters to them. It has been over 30 days so they have violated FCRA and FDCPA laws also by not deleting the accounts reporting inaccurate data. 

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. They haven't notified me of any results nor was it properly investigated if so, because how would that be possible if " Last Updated '', " Worst Delinquency '', " 2-YEAR PAYMENT HISTORY '', " 30 days late '' section, " 60 days late '' section, " 90 days late '' section, " closed date '', " last activity '', " terms '', " payment status '', " balance '', are all showing inaccuracies. 

Those are MANY inaccuracies and HIGHLY damaging my credit, it has hurt and is hurting my ability to obtain credit. 

I provided my letters to them and then proof of my credit report pulled XX/XX/2022 circling ALL of the errors and inaccuracies on these accounts. I want to make it clear I XXXX XXXX am submitting this myself and not being represented by anyone. 

After multiple FCRA and FDCPA laws being broken I demand these accounts be removed IMMEDIATELY. 

Account Name : XXXX XXXX Account Number : Ending in XXXX Account Name : XXXX XXXX  Account Number : XXXXXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

ON XX/XX/XXXXI SIGNED DOCUMENTS WITH NATIONAL CITY FOR A PIGGYBACK OR SECOND MORTGAGE TO PURCHASE MY FIRST ANY ONLY HOME.I WAS LATER INFORMED BY NATIONAL CITY THAT PNC BANK HAS MY MORTGAGE, I CONTINUE TO MAKE MY MONTHLY PAYMENTS TO PNC BANK WITHOUT ANY MONTHLY STATEMENT. I LATER RECEIVED A CALL FROM PNC BANK INFORMING ME THAT THEY WILL SEND ME MONTHLY STATEMENTS WHICH I RECEIVED.IN XX/XX/XXXX, I PAID OFF ALL LATE CHARGES AND PAYMENT DUE FOR THAT MONTH. I RECEIVED A PAYMENT BOOKLET IN THE MAIL AT WHICH TIME I CONTACTED PNC BANK AND ASKED WHY WAS I NOT RECEIVING ANY MORE MONTHLY STATEMENT. I WAS TOLD I HAD MADE PAYMENTS BEFORE SCHEDULED DATE BUT I WILL BE MAILED MONTHLY STATEMENTS AS I REQUESTED. THE WOMAN I SPOKE TO KEPT REFERRING TO THE MORTGAGE AS A HOME EQUITY LOAN ; I EXPLAIN TO HER THIS IS A SECOND MORTGAGE OR PIGGYBACK MORTGAGE THAT WAS GIVEN TO BE ALONG WITH ANOTHER MORTGAGE. ON XXXX XXXX ; I RECEIVED A STATEMENT IN THE MAIL. PMT AMT DUE {$31000.00}. LATE CHARGE {$3100.00}. PREV. LATE CRG {$260.00}. TOTAL AMT DUE {$35000.00} DUE XX/XX/XXXX.THE PAYMENT BOOKLET I RECEIVED EARLIER HAD PRINCIPAL BALANCE OF {$31000.00}. I CALLED PNC BANK AND WAS TOLD THAT MY MORTGAGE HAD MATURE AND I AM EXPECTED TO MAKE THE BALOON PAYMENT OF FULL PAYMENT.I ASKED WHY I WAS NOT INFORMED BY PNC BANK BY EMAIL OR MAIL OR WHEN I HAD CALLED ABOUT THE BOOKLET I RECEIVED IN THE MAIL? I WAS NOT GIVEN AN ANSWER OR EXPLANATION.WHEN I ASKED IF THE INTEREST RATE WAS FIXED OR VARIABLE I WAS NOT GIVEN AN ANSWER. I HAVE MY OTHER MORTGAGE WITH XXXX BANK I RECEIVE MAIL INFORMING ME OF CHANGES I MY MORTGAGE PAYMENT. WHY IS NOT PNC BANKING DOING THE SAME?. I HAVE BEEN MAKING PAYMENT ON THIS MORTGAGE FOR THE PAST 15 YEARS I DID NOT OWN A HOME WHEN I TOOK THIS MORTGAGE WITH NATIONAL CITY ; HOW COULD THIS BE A HOME EQUITY LOAN? I AM REQUESTING HELP BECAUSE THIS DOES NOT APPEAR RIGHT OR LEGAL. WHEN I WAS PURCHASING MY HOME I WAS VERY EAGER TO OWN MY FIRST HOME AND DID NOT PAY ATTENTION TO THE FINE PRINTS AND WAS NEVER INFORMED BY PNC BANK OVER THE YEARS OR AT ANY TIME THAT MY MORTGAGE HAD A MATURITY DATE. I NEED HELP PLEASE.
Product: Debt collection

CCS Companies never notified of my right to dispute the validity of the debt. 

They reported to XXXX that my account was opened with them on XXXX/XXXX/2016. 

The first notice I ever got from their company was on XXXX/XXXX/2016 and the notice was dated XXXX/XXXX/2016. 

On XXXX/XXXX/2016, XXXX was reporting a collection on my credit report, I was shocked as I knew I did n't have any ... It was for Credit Collection Services, original creditor, XXXX. 

I filed a dispute with XXXX but it came back as " verified '' by CCS. 

I have previously called and disputed the debt with CCS and was told I have to pay. 

I called the original creditor on XXXX/XXXX/2016, it was discovered an error was made and the account was pulled from CCS. The original creditor informed me that the account would be removed from XXXX within XXXX10 business days. 

Additionally, I was unable to find their corporation registered with MA but will file a complaint with the MA XXXX about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached documents as it contains my complaint and identification.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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: Money transfer, virtual currency, or money service

My mother passed away XX/XX/XXXX. My manager collected donations and sent me {$55.00} to cashapp # XXXX on XX/XX/XXXX. That was an old cash app account that the telephone number on file I no longer have access to. 

Since XX/XX/XXXX I have verified all information cash app requests and still will not let me gain access to the account. The only thing they haven't asked me for was my ID, birth certificate, or social security card which I have offered many of times. They also refuse to reverse the payment back to my manager. They are stealing and is ridiculous I have to go this route
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an incorrect bankruptcy on my credit report for many years. I have tried to dispute this a couple times over the past couple years with no success, due to my own lack of knowledge of the proper steps to take. However, after filing a dispute with XXXX  and Experian, I was told that the information has been verified by a third party company called XXXX. 

I then contacted XXXX on XX/XX/2021 and opened a dispute with them regarding this misinformation of a bankruptcy that is being reported to XXXX  and Experian. on XX/XX/2021, XXXX sent me a letter with the results of their investigation. The results were they were unable to verify this information, and have removed/deleted this information from my XXXX report. 

I contacted XXXX  and Experian on Friday, XX/XX/2021 regarding this information and reopened a dispute of this incorrect bankruptcy being reported by these companies on my record. 
XXXX, was magically able to close this dispute only two days later, on the Sunday of XX/XX/2021. Reporting that XXXX was able to verify this information with the courthouse, and that this record will remain on my credit report. 

Experian, closed this dispute on the Thursday, and XX/XX/2021. Experian also reported that XXXX was able to verify this information with the courthouse, and this bankruptcy will remain on my credit report. 

The issue is this bankruptcy being reported on my XXXX  and Experian report is not mine. The " third party '' that is selling this misinformation, ( XXXX ) is either continuing to sell this misinformation about me, or XXXX  and Experian are not truly " investigating '' the dispute I filed with them. Considering XXXX  was able to close this dispute within two days, over a weekend, tells me everything I need to know. Experian continue 's to say " The company that reported this information has certified to Experian that this information is accurate '', ( XXXX ). 

I expect to have this incorrect public record removed from my XXXX  and Experian credit report ASAP.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00}
Product: Debt collection

XXXX XXXX Date of Birth : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXXGM FINANCIAL XXXX XX/XX/year> under the account number : XXXX, an Auto Lease several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX
Product: Credit card or prepaid card

I applied for a Home Depot ( via Citibank ) credit card today, XX/XX/20, by clicking on the online link that said I'd qualify for a discount on the purchase I was making by doing so. 
I applied and was approved but no discount was applied to my purchase so I canceled the order. I have tried to cancel the credit card but can not do so via replying to the approval email ( refers me to online account or customer service ). I can't do online or by calling customer service as both options require that I have a full account number to proceed. I don't have a full account number or security code since I don't have a card yet. 

There is no option provided for canceling the credit card application/account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The department of treasury took my income tax fo r 3-4 year s starting after  XXXX   2011  the year I graduated The  XXXX    XXXX   XXXX   XXXX   Should of sent me a receipt for paying instead of sending me anything stating i paid making it seem like i didnt pay them anything i need justice because this is really damaging my credit.
Product: Credit reporting 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. 
I told XXXX, Transunion, and XXXX to reinvestigate these inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX
Product: Checking or savings account

Hi, I opened a Citibank checking account and did not receive my sign-up bonus after meeting their requirements. Here is a series of events : - Signed up on XX/XX/XXXX - Funded account with {$75000.00} before XX/XX/XXXX - Did not touch funds until XX/XX/XXXX ( and still haven't touched funds )- Have not received the {$1000.00} sign up bonus for meeting requirements ( see attached for promotion ) - Raised this on XX/XX/XXXX online and over two phone calls and was told that I needed to submit identity verification via IRS form ( sent the form the day after and was told it would take two weeks to process ) - Received code XXXX XXXX XXXX XXXX XXXX after calling in again and was told " they are working on it '' and I should have the bonus by XX/XX/XXXX - Did not see the bonus hit the account on XX/XX/XXXX and called in. I was told that it would take another week. Have received nothing yet. 

I was told numerous times that I would receive email communications with updates and I have never received these emails. This is getting pushed down the road and quite frankly I do not believe anything they are saying. 

Best, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not believe the current status of the card to be correct, on XX/XX/XXXX I submitted a request for a detailed account record and as of today XX/XX/XXXX I have received no response from the card issuer. Per the FCRA I am due fair, true, and accurate reporting of any credit lines, and am due to have this verified and back to me within 30 days of my formal request. This is in violation of my rights as a consumer and needs to be addressed. There is also a credit reporting mismatch as the account was reported to XXXX, and XXXX but never to Experian. Per the FCRA any and all accounts must be reported accurately across the three credit bureaus, as it stands this account never was per its update in XXXX. Also per the Fcra the bureaus can be held to civil penalties for non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer and have been a victim of identity theft. Please see attachments immediately.
Product: Credit reporting or other personal consumer reports

An account that has been charged off is still being reported on my report and I want them to remove it. Discover bank. I have sent them a letter trying to removed and called to receive the 1099 and never received it.
Product: Checking or savings account

On the morning of XXXX, I used my debit card from Axos Bank to make a purchase at a XXXX. The purchase was for approximately {$7.00}. The transaction was successful. Later that afternoon I attempted to use the debit card to purchase lunch from XXXX, and the debit card kept declining. I contacted Axos customer support and was told that the bank was performing end of year maintenance, and that the maintenance should be completed in approximately 2 hours. This was XXXX XXXX  on a Saturday, and I thought it was odd that a bank would be performing maintenance that prevents a customer from using their debit card in the middle of the afternoon. I waited the 2 hours and the debit card still didnt work. I called again, and was told that IT is aware of the issue and is working on the banks servers, and that my card should work again by the end of the day. Shortly after midnight, I attempted to use the debt card again. This time, the transaction not only declined, but my debit card was placed in a suspended status. 
This led me to call Axos customer support again, and they told me that the most recent transaction was identified as possible fraud, and that the fraud center had placed a temporary block on my card. To rectify the issue, all I had to do was speak to the fraud center, verify that the transaction wasnt fraud and my card would be active again. I spoke to the fraud center and they told me that theres no block on my debit card, and that I would need to speak to Axos customer support. I called Axos again, and they told me that the fraud center did in fact place a block on my debit card. The back and forth, speaking to the fraud center and Axos Bank happened 3-4 times, and no one was able to give me a reason why this happened, and how to correct the issue. 

I went to bed and reviewed my account around XXXX XXXX  on XXXX. My debit card is still in a suspended status. Ive called Axos customer support again, and theyre giving me the same response ( the fraud center has a block ), and that theyll need to transfer me. It is currently XXXX XXXX XXXX  on XXXX, and Ive been on hold, waiting for the fraud center to pick up for 20 mins now.
Product: Credit reporting or other personal consumer reports

In need of {$1000.00} compensation of each violation on report
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
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 This is for the following accounts : XXXX XXXX XXXX XXXX XXXX - - - Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Phone Phone number not available Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type TIMESHARE LOAN Date Updated XX/XX/XXXX Payment Received {$15000.00} Last Payment Made XX/XX/XXXX Pay Status Paid, Closed ; was Paid as agreed Terms {$0.00} per month, paid Monthly for 120 months Date Closed XX/XX/XXXX