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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in the file listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2024, I found that my Social Security Number was compromised due to a scammer using my SSN to open an account at Regions Bank. I immediately called Regions Bank, and expressed my issue. 

They hung up on me. 

I called XXXX more times and again expressed my issue. They asked for my name and mySSN, then told me that they can not close the fraudulent bank because they can not verify who I am. 

However, if you are a scammer, the bank easily opens an account for you. Regions Bank is failing to verify SSNs to open an account, but are not allowing law-abiding citizens to close those fraudulent accounts. 

I would like to report this bank and have the fraudulent account closed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of specific information from my credit file. I have attached a XXXX document detailing the items that need to be deleted. I am a victim of identity theft and have discovered multiple accounts and inquiries on my credit report that I did not apply for. 

To support my claim, I have reported this identity theft to the Federal Trade Commission and enclosed copies of the report. I kindly ask that these inaccuracies be removed from my credit report to ensure it reflects only accurate information. 

Please block this information in accordance with Section 605B of the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

i I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX ar XXXX p.m. I reached out to XXXX after discovering they have reported a total of 72 lates on my credit report ( 18 accounts showing late 4 times each ). I spoke to XXXX whom then transferred me to Supervisor XXXX. XXXX XXXX stated XXXX is sending proof of payments. A few days later I received a copy of my payment history XXXX sent me ( included in this submission ). The payment history shows a deferment ( this area is marked with a * on the payment history ) during the dates ( XX/XX/XXXX 90 daysXX/XX/XXXX 120 days, XX/XX/XXXX 90 days, XX/XX/XXXX 120 days ) XXXX reported me late. I called XXXX back and was told a law prohibits them from changing a credit reporting and I have to dispute with the credit bureaus. I proceeded to do just that the end of XX/XX/XXXX by sending the payment history received from XXXX with my request. The credit bureaus refused to correct the file giving the reason XXXX is verifying the incorrect reporting as being correct. I placed 3 more disputes there after while continuing to contact XXXX. Nothing was corrected. In XX/XX/XXXX I hired an attorney to assist with this issue. My attorney sent a letter ( attached ) to XXXX ( and ccd all three credit bureaus ) along with the payment history ( attached ) requesting the information be corrected. On XX/XX/XXXX XXXX replied ( attached ) they do not have to investigate 3rd party requests. I then received a letter from XXXX ( via mail ) on XX/XX/XXXX stating XXXX verified the current reporting as accurate ( again ). These late payments on my credit report is NOT accurate as evident in the payment history sent to me directly from XXXX. It is imperative this erroneous information is corrected ASAP as it is contributing to a great financial strain on my family.
Product: Credit reporting

This account needs to be deleted Immediately!! The company has sent me a letter stating it will be deleted and is still remaining on my credit report. Attached is the letter I received.
Product: Checking or savings account

My mom found out that Wells Fargo opened a fake Savings account in my name in 2009 and closed the accounts several months later. I was only XXXX XXXX XXXX at that time. Once I learned about these accounts, I called Wells Fargo I filed a few complaints and they kept reassuring me that they would get back to me in a short amount of time. They gave me phone numbers to call, but it's been very unsuccessful and neither have they taken any action to address this matter. My parents were told that one of their excuses was that I was a minor and it didn't affect my credit. 

Wells Fargo opened several fake accounts for my family. A rep for Wells Fargo and a JAM mediator earlier this year promised to send me through mediation and make this right. They have not.
Product: Credit reporting or other personal consumer reports

DISCOVER FIN SVCS LLC Credit Card with account # XXXX RE : Requesting a Method of Verification Letter Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am certain that the item I disputed Is Incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact Information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal cas need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this rese be. 5 soon as possible. 
Very Respectfully, XXXX XXXX XX/XX/1993 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In XXXX I attended XXXX a couple of weeks and withdrew because we moved to Arkansas. I never heard anything from them. XXXX we filed Bankruptcy and told we have a clean slate. In XXXX I was notified by mail about a student loan debt. I told them I didnt have a student loan debt. It is not on my credit report. Since a year ago the amount changed from under {$2000.00} to nearly {$9000.00}. The whole cost of school is under {$2000.00} I think. Since then I consolidated them and they switch to Navient. I did this because the website said then I could get them discharged. I applied for school closure because it applies and XXXX XXXX states it qualifies because you cant transfer credits from a closed school. Navient denied it. Now I have applied for Borrowers defense because I was misled a lot and also not told they applied me for loans. I also found articles that I am not the only one there is a lot of people. Why wont they discharge mine?
Product: Debt collection

Ocwen has not responded to our request to validate our debt. Specifically, our mortgage was bundled in with several fraudulent activities including, Robo signing, improper disclosure of interest rate calculations prior to closing, illegal handling and reporting of escrow account payments and credits, and improper crediting of payments under federal modification agreements. 

All amounts said to be calculated or previously owed have not been accurately reviewed or proven to be correct. 

A request was made in writing disputing the validity of the debts, calculations or interest, subject to federal and settlements and legal proof to continue to be able to report all facts represented in the consumer credit report. 

This request was certified return receipt and has yet to be answered with any proof or mere correspondence, but continues to be an adverse action on my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Below is the accounts that need to be removed : XXXX XXXX XXXX
Product: Debt collection

I received several calls from XXXX. He will not tell me what company they are with, only that I allegedly owe money to a XXXX. I paid all my loan and then some to XXXX and I do n't know who these people are that are trying to collect money from me. They called me at work and even after I told him I was at work and they were not allowed to call me the agent said they would continue to call me. I called him back and he kept hanging up on me until finally he transferred me to a supervisor. This is harassment plain and simple and I want to file charges on these people.
Product: Debt collection

THIS IS THE THIRD COMPLAINT AGAINST AMERICAN EXPRESS FOR CALLING ME CONTINUALLY ABOUT A DEBT I DO NOT OWE. THE NUMBER THAT CALLS ME IS ( XXXX ) XXXX. AFTER I RECEIVED CONFIRMATION THAT THE CALLS WOULD STOP FROM THE COMPANY, I RECEIVED YET ANOTHER CALL TODAY XX/XX/2021. THEY KEEP ASKING FOR XXXX. I AM NOT XXXX. I DO NOT DO BUSINESS WITH AMERICAN EXPRESS AND I NEVER HAVE AND NEVER WILL. THEY THREATEN LEGAL ACTION AGAINST ME AFTER I CLEARLY STATE THAT I AM NOT XXXX AND OWE THEM NOTHING. I WANT THIS NONSENSE TO CEASE AND DESIST.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX opened on XX/XX/XXXX incorrectly shows {$440.00} was written off. On XX/XX/XXXX - {$440.00} I paid XXXX XXXX XXXXXXXX ''. Please see attached bank statement. ( bottom of page XXXX ) Please update the account as PAID in full, with nothing written off or delete the account in it's entirety. Thank you.
Product: Mortgage

I filed for lost mitigation with my mortgage company. They refuse to accept my self employment information. That was the last information that needed to be submitted for the company to consider my options. I gave them a copy of my tax return and they did not accept it. On my tax return my signature was not on the second page of the form. That was because my tax form was electronically submitted. In my tax return documents there was an electronic postmark certification of electronic filing. I was told that my tax return would not be accepted because my signature was not on the second page and the electronic postmark does not matter. I was also told that if I sign it and submit it that still would not matter. The company has a statement on their website that says a copy of my tax transcript can be submitted. I submitted it and they will not say why they will not accept the form. When asked they just tell me the information about the signature on my tax return. I have ringing in both of my ears that comes with pain and pressure. I do not have hearing loss but the ear exam that I submitted with my application shows the vibrations of the ringing. I was told since there is no hearing loss I can not be classified as having tinnitus so that I can get XXXX. I changed occupations and have been dealing with my issues but it became hard this last year because the pain would get so bad I could not get out of bed most days. I tried a natural remedy and it reduced the pain enough to get out of bed and work through it. I was asking for help for the last year and not long term assistance. I would like for the company to look at my application and see if there is anything that can be done based off the fact that I submitted all of the documents required.
Product: Checking or savings account

On XX/XX/2018, I received an offer in the mail from Citizens Bank  that stated I'll get a {$200.00} bonus if I opened a new checking account with direct deposit. It is now XX/XX/2018 and I still haven't received my {$200.00} bonus from them. I've called customer service multiple times and they keep saying to wait. Please help me.
Product: Credit card

Im being charged for one item that was returned along with everything else. On XX/XX/XXXX, the XXXX and XXXX that I purchased were taken away and I was only credited for the XXXX but left with roughly {$820.00} for the XXXX. I immediately disputed this and since then they have been charging me {$29.00} a month, despite the fact that under the Fair billing act, you are not supposed to be charged for the item in question. The dispute was closed after TD Bank did not ask me for any type of proof that I had. It was then reopened and has since been reopened for at least two months now and once again they have not attempted to provide me with anything. They have not asked me for anything either. I have asked to show them the proof that I have and they refuse to accept it. I have an email from the XXXX of my XXXX XXXX, confirming that she viewed on XXXX that it was taken away. For some reason, TD Bank refuses to abide by the mandated protocol for Fair billing act inquiries. Interestingly, they state that if you have a problem with your bill to email them, but then shortly receive an email stating that mailbox is not monitored and theres no way to get a hold of them through email. The people on the phone are never helpful and have any idea whats going on. Im attaching two confirmed correspondences that theres an investigation and the email from my XXXX and my attempts to message them. I might have one more letter from them, but I can not locate at the moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRIES NOT AUTHORIZED BY ME XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance Owed : {$1300.00}, XXXX XXXX XXXX Balance Owed : {$4300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For a considerable time ( several years? ) Transunion had been reporting my credit score as well below the others ; some 23 points below XXXX, when they both use VantageScore 3.0 to calculate the scores. 

For a point spread to be that large, there has to be something significantly different in these two credit reports, which there is NOT! I called Transunion for an explanation, but all they could tell me was that " Maybe '' it's this, or " Perhaps '' it's that, with no real accountability for the lower score Obviously, this effects my credit and my ability to secure credit at a reasonable rate. Since the Credit Bureaus have so much power in controlling our finances ( and the cost of it ), they should be held to a higher standard of accountability ; NOT the mush-mouthed " maybe this or that '' response that I got! I want HARD ANSWERS to this question!!! If they're going to cost me more to obtain credit, based on thier credit score,, then they'd better have a XXXX good reason why!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 card

I apply for a capital one student card. the card was very reliable and i could purchase thing where every need but the only problem was when it came to payment. I was always told to pay on price and it would cover the account and then you would pay that amount and the next customer service rep. would tell you that is not enough to cover the balances on the account. They would harrassed me on the phone about payment. and sound real hostile and it was always some kind of issues with late fees and over the limit fees. They never offered thing right assistance to bring account down. you speak to so many people and they are always losing docuement of you information or what was discussed on phone.
Product: Checking or savings account

on XX/XX/2018 I handed a check for {$400.00} to the lady working in the office at XXXX XXXX XXXX to cover my Husbands storage unit for the month that was late and 1 month in advance. I left and while driving home about 5 minutes later I called the lady and asked her to not run the check and I would bring her the cash of {$400.00} becauseI didn't want the check to bounce. She said okay and I brought the cash. She told me she DID NOT RUN the check when she took my cash. She handed me my check back and I ripped it up. A few days later my bank let me know I was overdrawn due to the payment that cleared to the storage company. I filed a dispute and requested they cancel the payment since I had paid with cash. They told me it would beep to 10 days until they resolve the issue. Well, a few times a week someone from Wells Fargo would call me asking for funds to put in my account, I kept telling them there is a dispute going on and they all said okay we'll work on it.. NO ONE EVER SAID THEY COULD NOT STOP THE PAYMENT. Later I find out that the lady that ran my check actually did an electronic check, which that alone was fraudulent of her for several reasons. I told her not to run the check, she told me she did not run the check. Moving on ... here we are in XXXX and now my bank account has been closed, the storage is claiming they never ran the check and are threatening to auction the storage due to non payment. No-one will help me and I have givin the storage my bank statement PROVING they took my money. They keep denying it. I am outside of 60 days now but have been constantly contacting both the bank and the storage company trying to get this resolved. My bank has sent me to collections already and I don't know what else to do. Also, when the bank notified me my account was closed it said I can still access my statements for 90 days. I tried to get my statements proving the check was cashed and haha I had no such access to ANY bank information. The storage people ( 3 ladies ) call me daily asking for money, its harrassment. The lady that took my check and cash knows what she did and still had the nerve to call me! 

Wells Fargo XXXX XXXX XXXX
Product: Checking or savings account

I had fraudulent charges on my debit card and theyre saying there was no error
Product: Credit card or prepaid card

Hello sir my name is XXXX XXXX XXXX and On XXXX XX/XX/XXXX i applied for XXXX XXXX credit card on XXXX XXXX they opened it but XXXX not say that its activation charge are XXXX that not a major problem on XXXX XXXX i made a payment on XXXX that got failed but amt charged in credit card did not reversed till now also when i using my card they unfortunately blocked my card when i contact them they says you have called and request for card blocking and this will not unblocked you have to replace your card with charge XXXX also that is not a major problem. 
I have made advance payment of XXXX rupees in advance and i closed my credit card on XXXX of XX/XX/XXXX and i mailed them from XXXX XX/XX/XXXX but till now they have not transferred my advance payment in my bank account. 
Such a worst experienced i faced from them.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX regarding their failure to investigate a disputed item on my credit report, specifically an entry under " XXXX XXXX. '' Despite multiple attempts to resolve this issue, XXXX has willfully refused to conduct a proper investigation, violating my rights under the Fair Credit Reporting Act ( FCRA ). As a result of their actions, I am requesting that the " XXXX XXXX '' entry be deleted from my credit report and that I be compensated with a {$2000.00} payment for the damages I have sustained. 

I believe XXXX has willfully violated the following sections of the FCRA : 15 U.S.C. 1681i : XXXX has failed to conduct a reasonable investigation of the disputed item within the time frame required by law. 
15 U.S.C. 1681e ( b ) : XXXX has failed to maintain reasonable procedures to ensure maximum possible accuracy of the information on my credit report. 
15 U.S.C. 1681i ( a ) ( 1 ) : XXXX has failed to conduct a reasonable reinvestigation of the disputed information within 30 days, as required. 
15 U.S.C. 1681n and 1681o : These violations constitute willful and negligent non-compliance with the FCRA, entitling me to actual, statutory, and punitive damages for the harm caused. 
Despite my repeated attempts to dispute the " XXXX XXXX '' account, XXXX has failed to investigate the matter appropriately, leaving the inaccurate information on my credit report. This continued failure not only damages my credit score and financial standing but also shows a blatant disregard for my legal rights under the FCRA. 

In light of XXXX 's willful violation of the FCRA, I am requesting the following : Immediate deletion of the " XXXX XXXX '' entry from my credit report as it is inaccurate and has not been properly investigated. 
A {$2000.00} payment to compensate for the damages caused by XXXX willful violations, which have resulted in emotional distress, financial hardship, and harm to my creditworthiness. 
Please let me know if any additional information or documentation is required to assist in the investigation. I appreciate your prompt attention to this matter and look forward to a resolution.