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

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XXXX XXXX XXXX, I was out of state. I tried to use my debit card and was declined. Which I had plenty of funds to support this transaction. So I tried to log into my account and was locked out. I called the XXXX number and they wouldnt give me any information. As I said I was out of state, so I flew out the next day. Not knowing what was going on. I have been with Bank of America four over 30 years. As soon as my flight landed, I went straight to my local bank.I talked to the bank manager and he called to see what was going on. When he got off the phone he told me I deposited a fraudulent cashiers check. And the cashier check didnt belong to me. Right away I started crying, I was so sick to my stomach. I have never committed a crime in my life. I explained to him the cashiers check was from a trust from another bank, and it was left to me by my godfather as an inheritance. I left the bank and got documentation stating the money belonged to me. Went back to the bank. They said they would accept this document, but I had to get it notarized. Which I had to pay XXXX dollars out of my pocket. Then went back to the bank. They faxed it over, and told me to call the next day. I called the next day and they said they closed my account and told me even with supporting documents it was still fraudulent. I said I dont care you closed my account, but you cant accuse me of such a horrendous crime and not give me any evidence. This is such gut wrenching to be accused of bank fraud. On XX/XX/XXXX I had the attorney that worked on this trust call Bank of America, and said they couldnt talk to him without me being present. So I called them to see if I can give them the okay to talk to him but they said no. At this time we are unable to get together. Hes going on vacation and wouldnt get back until XX/XX/XXXX. He wanted to let the bank know exactly what XXXX XXXX  bank said. That the cashiers check belonged to me. He is willing to write a letter or submit any documents he has to support me. If you want more documentation. I pressed for information why they were accusing me of bank fraud. I wanted answers. No one ever deserves to be accused of something they didnt do. Then they tried back peddling. Were closing your account. Its a business decision. No, you accused me of bank fraud, and I want to know why. Even when I had the bank submit documentation supporting your allegations. You shouldnt be able to get away with this. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I DO NOT consent to any automated scan response or e- Oscar verification methods. 

I reached out to all three credit bureaus Transunion, XXXX, and XXXX to dispute incorrect and invalidated reports provided by XXXX XXXX XXXX XXXX. All 3 returned as validated but provide no evidence after a re-investigation. There is conflicting information shown on the 3 separate accounts This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

There are still the following months missing data : XXXX XXXX have no information and XXXX XX/XX/XXXX show " No Data. '' There is charge off then th4e account was brought current then charged off again for the same account. The account showed positive status after charge and then many incorrect negative statuses followed by more charge offs. This is impossible. This would be a violation of Tax law, Metric reporting requirements, and my federal rights. 


One one reporting account there is an account ending in XXXX and an account with a different account number. Both are being reported as my account. This is impossible. 

Further, XXXX, Transunion and XXXX continue to violate my rights by not providing specfic information requested to document a bona fide dispute process. Also, by engaging in stalling tactics by requesting identifaction information, even when the information was submitted with the complaint. These agenices have also sent multiple communications to the contact information provide in the past. If there was a legitimate process, this false inaccuracies would not continue to appear on my report. 

All Bureaus continue to report missing, incomplete and inaccurate data reported monthly. There are several months missing whole data and information. XXXX reports incorrect payment history that reflects incorrect late payments. XXXX, Transunion, and XXXX do not list payment history and records before XXXX. This does not constitute as a complete report. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I requested your credit bureau to initiate an investigation and to validate this information more than 4 times. This information was not validated. This information has greatly impacted my ability to qualify for other opportunities and I have been denied opportunities because XXXX, transunion and XXXX refuse to remove incomplete, inaccurate information., I demand this innaccurate and incomplete report be removed from my credit profile immediately or federal litigation will be sought pursuant to FCRA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry on my credit report from PNC bank that is not me. Someone used my SSN # to try to open an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Continuing to report a false bankruptcy that was only filed
Product: Checking or savings account

Hi earlier this month, I paid a 5 dollar fee to have a replacement card sent out and the card was supposed to arrive within 3 to 5 business days. The card hasnt arrived, and I have had no access to any of my money for weeks. Due to an issue with my phone company, I am not able to call the company to discuss the issue by phone, but I have contacted the company through the bbb, and have not heard from the company this time. I have had similar issues with this company multiple times in the past with my money being put on hold in some sort of way without me being able to access it due to an issue on their end, and it felt like it was being done on purpose. For some reason, I keep having issues with things that should be simple
Product: Debt collection

I reached out to the XXXX XXXX XXXX and was told that amount was less than how much I am getting charge on the paper. 

During the pandemic i thought XXXX XXXX was provided.
Product: Mortgage

In applying for a loan modification, Bank of America, I was told XXXX would be contacting me to help with the application form and any other paperwork needed for the process. I was sent someone, XXXX XXXX, 2015 who went over the docs and said he would be sent the next day XXXX. I called BoA on XXXX, and asked if they had received the paperwork and they had not, but that they fully expected them to be there in a few days. I kept calling for three weeks and no one could track where they were. I was anxious because the paperwork contained tax papers and copies of my bank statements. When I asked BoA to verify that the person was indeed who he said he was and legit, they had no idea how to track who had showed up. I left a message at XXXX. and a few days later they called verifying that the papers should have gotten to BoA. I spent several hours following up to no avail. Finally after three weeks, I was told me papers had been received, but they could n't tell me what the delay had been and where they had been. 
In the meantime, my request has gone to underwriting and they are again asking for additional docs, which could have been sent the first time around. 
I feel there 's a game being played in which I 'm given the run-around. 
Three years ago I had been given a modification, and there were many attempts to send papers, poor follow-up and no coordination between departments. It seems to be a strategy to make it really difficult and place arbitrary obstacles so one is discouraged from continuing. 
I had also followed up previously as to why I received the particular type of modification they gave me, and have never received any explanation.
Product: Debt collection

Received a letter from Bown & Joseph LLC dated XX/XX/XXXX regarding {$45.00} owed by us to XXXX XXXX XXXX Called and left messages twice and talked to someone one time. He said I needed written documentation from XXXX XXXX XXXX that we did not owe the debt. I emailed the written email from XXXX XXXX XXXX that we did not owe the debt on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have never received a response to date. I went on the collector 's website and the amount is still available to pay, so they have not closed the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Debt collection

I have told you that I am represent Ed by lawyer but still you are calling me I am retired and XXXX. I asked my lawyer to contact you and settle this account
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 
Validate inaccurate reporting late payments. Please remove inaccurate reported late payments. Update to paid as agreed.
Product: Credit card or prepaid card

I have had a Bluebird by American Express debit card for a few years ( I primarily use it to make purchases online as to not display my checking account information or major credit cards online ). Every month my card has been restricted advising that I am making too many transactions. I recently requested a new card and was told by the activation representative that my personal information was incorrect and I should call back once I had the correct information to provide. She then terminated the call on me. I called back and requested to speak to a supervisor for further assistance as my information has not changed. I was advised by the agent that he would assist me rather than getting me to a supervisor but after 20 minutes on hold he then advised that he would need to transfer my call to a supervisor ( which I requested at the start of my second phone call ). I am currently still holding for a supervisor.
Product: Debt collection

Individual called everyone in my household phone number and threatened that if I did not respond yesterday by end of day that I would have a default judgement. I was at work and had time to call the number back, they said they were a law office and had sent out a letter over 30 days ago that I was supposed to sign stating I owed {$1800.00} on a credit card that had been written off over 10 years ago. They had my social security number, birthdate and current address. Stated that they would be sending someone to my house yesterday to serve me paperwork and tried to get my email address as well, but I did not provide. Stated that I would have to appear at XXXX XXXX XXXX and total fees not after attorney fees would be a little over {$4000.00}. I work at a car dealership and on XX/XX/2024 our XXXX XXXX ( which services XXXX stores ) had a cybersecurity hack. I do not know if this has any relation, but I do not owe any current debt. Please assist. I currently have all of my credit bureaus locked. The name of the law firm was XXXX and XXXX and the male I spoke with was XXXX. The number is XXXX. He was the one that told me how much I would owe. The initial calls being made to all of my family members, and I came XXXX and his name was XXXX XXXX Very threatening and invasive especially at a time like this when I am dealing with health issues along with family in the hospital. Does not help my anxiety at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXX 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX  XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX  XXXX
Product: Debt collection

1. I sent a money order to Zwicker and Associates for {$300.00} that was received on XXXX. Zwicker mis-routed the money order and paid someones account for XXXX. 

2. I made numerous phone calls, which I didn't document at the time to get it resolved. They eventually discovered that they had sent my money to the wrong account instead of my XXXX bill. I then XXXX overseas in XX/XX/2020 to XXXX and my father continued to follow up on the issue. He has a Power of Attorney to conduct business on my behalf. All the subsequent actions after this were conducted by my father while he kept me apprised of his progress. 

3. Called the morning of XXXX. I ( father ) talked to the XXXX side representative who told me that I had to talk to XXXX directly. I called XXXX who told that I needed to talk to Zwicker as they had not received the {$300.00} mis-directed payment for XXXX account. I called Zwicker back at XXXX and talked to someone with Zwicker. He had just received an e-mail at XXXX saying that a {$300.00} refund was requested to be sent to XXXX. 

4. I called on XXXX and talked to a XXXX manager XXXX XXXX. She told me that she would talk to the person who was handling the account as the refund was never sent to XXXX. She said that she would talk to her boss. 

5. I called again on XXXX and talked to XXXX XXXX who said that she had sent an e-mail on XXXX to XXXX XXXX, a Zwicker manager who had previously been handling the issue, and to the person currently handling the account. She said that she had not received an answer back yet. I asked her if she had talked to her boss yet and she said that she hadnt. 

6. I called on XXXX and talked to XXXX XXXX. She said that XXXX had sent them a check but that they couldnt find it. Zwicker requested the check number from XXXX. I proposed that Zwicker pay us the {$300.00} and then they could pursue the issue with XXXX. XXXX said she wasnt authorized to do that and that she had to talk to her boss. She said that her boss had left for the day when I asked her to talk to him. I then requested that she talk to him about my proposal. 

7. I called on XXXX to talk to XXXX but she wasnt available so I talked to XXXX XXXX. She said that internal correspondence on XXXX indicated that the check was authorized to be sent directly to me from XXXX. She expected it to arrive no later than XXXX. She requested that I inform her when the check arrived. The check has never arrived. 

8. On XXXX I filed a XXXX XXXX XXXX complaint in XXXX name. The complaint number is XXXX. Ive not heard from the XXXX  as of XXXX.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has done a hard inquiry on my account. There was need for this inquiry. I have not applied nor do I have a mortgage. There should not have been any inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENITY THEFT. I HAVE NEVER IN MY LIFE DEALTH WITH ANYTHING LIKE THIS. THIS EXPERIENCE HAS RUINED MY LIFE. I HAVE BEEN GOING BACK AND FORTH WITH EXPERIAN ABOUT XXXX XXXX AND XXXX XXXX ( NOW XXXX ) THEY HAVE ALL OF MY INFORMATION FROM FTC AND POLICE REPORT, ID, AND ANY OTHER INFORMATION THEY ASKED FOR. XXXXXXXX XXXX AND XXXX HAS NOT BEEN REMOVED FROM MY CREDIT REPORT AND MY CREDIT SCORE IS STILL DECREASING. THIS HAS AFFECTED ME XXXX  TO WHERE I ALMOST HAD TO SEEK XXXX XXXX. THIS HAS RUNIED MY ENTIRE LIFE. AN AGENT AT XXXX ADVISED FOR ME TO PERSONALLY MAKE A COMPLAINT IN THIS REGARDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my report and saw accounts appearing that I am not aware where it came from. I have filed an Identity Theft complaint attached to this complaint. Below are the accounts apearing. 

XXXXXXXX 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