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

XXXX, XXXX and Transunion are reporting inconsistent information. They are all reporting different payment amounts, balances owed, date of charge offs, and more. This is my second notice I am sending to the bureaus of this inaccuracy. I have received no verifying information. I have attached the letters and the account information for your reference. Please remove the following accounts from my credit report. XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE DISPUTED THIS INACCURATE INFORMATION AND ACCOUNT REPORTING TO TRANSUNION ON THIS DATE XX/XX/XXXX, AND SENT THEM THIS LETTER ON XX/XX/XXXX. UNFORTUNATELY, THE INCORRECT INFORMATION AND ACCOUNT ARE STILL SHOWING. 

The personal information is inaccurately reporting : Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 

Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV, XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 

EMPLOYER - XXXX XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 

EMPLOYER - XXXX - This in incorrect. Please remove this immediately and only report accurate information. 

This account is not mine : XXXX XXXX XXXX - XXXX, The following inquiry was not authorized : XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove these personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information not later than 4 business days. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date Updated : XX/XX/2021 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance Owed : {$380000.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$43000.00} ; XXXXXXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit card or prepaid card

Hello, On XX/XX/XXXX, 2 purchases of XXXX  each at 2 seperate XXXX XXXX locations in Minnesota were charged to my Bank of America credit card account. I informed Bank of America that they were fraudulent charges and they took them off of my account and closed that account. 
On XX/XX/XXXX Bank of America mailed me a letter saying because I had done business with XXXX XXXX in the past they determined that the charges were made by me and put the 2 charges totaling XXXX  on my new credit card account that they had opened to replace the other account. 
On XX/XX/XXXX I made a report with our local police in XXXX, WA about the fraudulent charges. 
On XXXX I spoke with employee XXXX at XXXX XXXX and after I provided him with the last 4 digits of the compromised credit account and the date of the fraudulent charge he was able to tell me that the purchases were made by someone purchasing 4 - XXXX XXXX gift cards at 2 separate retail locations in Minnesota. He told me there is video footage available of the suspect making the fraudulent transaction. After that phone conversation I called Bank of America fraud department and gave them the information that a police report had been filed and that XXXX XXXX has further information about the fraudulent transaction. 
On XX/XX/XXXX I spoke with supervisor XXXX in the Bank of America fraud department. He told me he saw that the information that I had given to another employee on XX/XX/XXXX had been added to the file. He also told me there was no evidence of any further investigation being done by any Bank of America employee.
Product: Mortgage

I initiated a cash-out-refi on a  Wells Fargo owned condo mortgage. My personal creditworthiness is outstanding. Employment, ann ual income, on time mortgage payments and  XXXX   credit score are  all verified. The condominium is my primary residence and only propert y. Wells Fargo bought  my mortgage in   XXXX   as the original mortgage broker was too small to service the loan.  XXXX   XXXX  is the date I started sending documents  to Wells Fargo. As of  today,  XXXX   XXXX , I received an e-mail from  XXXX   XXXX  informing me tha t Wells Fargo un derwriters could not approve the refinance because the  " Fidelity Bond Insurance '' policy wa s not in the name of  XXXX   XXXX , but rather in the name of  XXXX   XXXX   ( th e company that provides  HOA servic  XXXX  to  XXXX   XXXX   ).   XXXX   XXXX  has NO Employees and therefore needs no fidelity bond insurance.  XXXX   XXXX  IS covered.  XXXX   XXXX  an d Wells Fargo  have been negligent in their duties to properly handle this refi attempt. I should not have had to wait 38 days to find out they ca n't refinance THEIR OWN MORTGAGE because of some semantics issue o ver fidelity bond insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting lates that should not even exist on a closed account. I haven't had the account open since 2015 so all of the lates that exist on the account should not even be reporting.
Product: Checking or savings account

This starts XX/XX/2022 and its still a ongoing situation I am still have problems with them. When I first made the account I accidentally lied and said I was XXXX program because I thought they wouldnt check and I was just having that bank account to just save my money in there. I didnt think they was going to lock me out of MY account So they they told me to send proof that I was in XXXX  and I found a paper online and sent that to them but that was only to get my funds out the account and have my money back I didnt think they was actually going to be a problem I told them I didnt want to do business with them anymore! But I sent in my ID, my social security card, my birth certificate they think Im fraud I told them IM ME just give me my money. They locked my account because I was cash apping my brother {$10.00} here and {$8.00} here over petty money like its my money they see where my money came from which is my school I just dont understand its been a 4 month situation and they still giving me a hard time they still send me letters of house much money I got in the bank but they act like they dont want to close it 2 ) I have {$2000.00} that I can not access my school sent those funds to me through my financial aid where I am taking a loan out that I will have to pay in a long run.

Just please help me I even told them my mother passed I couldnt even pay for funeral cost I went through a hardship, loss of income, definition of Character. Just please help me!!! Im begging you
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my GM FINANCIAL - XXXX :. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very frustrated with Equifax. My attorney has also had the same experience with them. I do not trust them, especially with the most recent data breach they had. I have had accounts on my credit report that were never applied by me. As soon as I saw them on my credit, I immediately reported them to have them removed off my credit. 

XXXX and XXXX were great and helpful in removing this fraudulent information but Equifax continues to respond to me with canned letters, never providing me with any relevant information on the investigation. How can it be that XXXX and XXXX  removed the fraudulent information but Equifax has n't. It is the same exact information.
Product: Checking or savings account

capital one Tried to get me to sign up for there savings Plan At a Low Interest rate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I reached out to XXXX XXXX XXXX regarding Verification and Proof of Verification that this company had authorization to run my credit. To date I have not received a response that aligns with the Fair Credit Report Act or that they had a written consent to run my credit multiple times. At no point did I give any of their representatives permission to run my credit and they have no proof as such. 

I requested Experian, XXXX  and XXXX to prove proof of this as well and have received only a generic letter stating that XXXX XXXX XXXX has " verified as accurate ''. How can XXXX XXXX XXXX verify to the credit bureaus this information as accurate but can prove me no proof with my consent this information is true and correct after multiple times contacting the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Goldman Sachs for its lack of response to my dispute regarding errors on my Apple credit card account. On XX/XX/, I sent a letter to Goldman Sachs disputing errors on my credit report, including discrepancies and incorrect information on my account. My letter also requested a correction to my XXXX and XXXX consumer report. 

As the furnisher of the information, Goldman Sachs is responsible for providing accurate information about my account to the credit reporting agencies. However, despite my attempt to bring the inaccuracies to their attention, Goldman Sachs failed to respond to my dispute letter within the 30-day time frame required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, My public record " Bankruptcy '' will expire.The 10 year mark is over with.The actual date date i filed is XX/XX/XXXX.That date is on record.Therefore, this public record should not be on my credit reports at all
Product: Credit reporting or other personal consumer reports

Within the upcoming 15 days, I am slated to update my credit reports, and I earnestly anticipate the elimination of the following items from my credit file. Permit me to underscore that, as presented in FCRA Section 605b, Credit Reporting Agencies are duty-bound to eradicate any items listed on an identity theft report, reference number XXXX XXXX  The specified items for removal in each bureau are as follows : 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 XXXXEQUIFAX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Presto tittle Loan I paid off the whole balance of my loan, the next time I went back try to get a new loan, they told me I need to ask credit bureau, some things they report on my credit, even thos I paid it off!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX Inquiry Date XX/XX/XXXX ; US SM BUS ADMIN ODA Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 168i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies is XXXX did not modify or removed anything from my credit report ( Driver License and Social Security Information was sent by mail. Here is my tracking XXXX and XXXX. It has been over 30 days. 

The date is not correct, date last is not correct on XXXX reports, date of last payment is not correct on XXXX credit reports which violates my rights. 

Which is a violation. This impacting me from moving forward to buying a car.
Product: Money transfer, virtual currency, or money service

I got scammed last year, where in a person claiming to be from Concession Solutions XXXX XXXX XXXX paid XXXX towards my XXXX XXXX bill, and asked me to pay XXXX by Money Order to account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America on XX/XX/2022. The XXXX bill payment was then reversed. I filed a complaint XXXX XXXX XXXX with the US Postal XXXX, XXXX with the XXXX XXXXXXXX Police Department and XXXX XXXX XXXX MO Attorney General at the advice of the Office XXXX XXXX ( XXXX XXXX XXXX Bank of America closed this saying they would work with law enforcement, but not the XXXX who they identified as a compliance/regulatory agency. Communication and screenshots are attached. 
I reached out to Office XXXX XXXX who filed my report multiple times by various means and updated on the response from Bank of America, but there hasn't been any update on this complaint progressing.
Product: Credit card or prepaid card

In early XXXX my card would not work twice. I contacted the discover credit card company who informed me that three statements and two letters had been returned to them marked by the United States post office as undeliverable. When I heard that my card had been shut off and that my payments were overdue on that phone call with discover I electronically transferred the entire funds to cover the balance of the account immediately from my checking account. In XXXX I received a call from my insurance agent who told me that my homeowners bill was returned as undeliverable by the post office, after receiving one letter returned... they called me immediately... discover never contacted me. Over a year and a half ago I changed from a post office box to a street address using a address forwarding card with the post office. I thought I was receiving all my mail but evidently only half of it I filed a complaint with the United States XXXX XXXX online in 15 minutes I had a call from the XXXX supervisor I was put on hold and the supervisor returned telling me that my street address was not in the system and that the route driver who was out had not updated his route in a year and a half. I called back to the Discover Card Company and explained what the supervisor told me from the United States XXXX XXXX, Discover waved the late fees but reported me as being delinquent anyway. I asked discover account manager if they would remove the bad marks on my credit my credit... .it had dropped from XXXX to XXXX the account manager said they would not. I asked the postal supervisor if they would contact the credit card company or the credit bureau and explain what happened ... .her reply was we don't do that.
Product: Debt collection

I have been trying to dispute and or pay this debt to get it off my report for months. I have left messages, emails, and waited for hours on hold multiple times. I can never get anyone on the phone or talk to anyone. 

It is account number XXXX For a XXXX XXXX XXXXI never received any phone call or mail initially regarding this debt. Only learned about it when applying for mortgage
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Experian along with XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

15 USC 1681 section C-2. States that any information that is a result of identity theft be blocked within 4 days of receipt 15 USC 1681 section 602 A. States I have a right to privacy 15 USC 1681 section 611 States there must be verified accuracy 15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instruction 15 USC 1681 a q 3. States identity theft means fraud committed using the identity information of another person
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these account removed and deleted immediately. 


Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710XXXX XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico  say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60  days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

whom it may concern. Inaccurate addresses I never lived at or have no knowledge of are being reported to my credit report due to this concern I am not able to obtain any credit in my name. Due to my lack of acknowledgment for these accounts, I never associated with the account or addresses as stated above. Please remove all other addresses off my report as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 


My current and only address is { XXXX XXXX XXXX }. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i sent a request for transunion to go over some items that i needed to dispute and they have yet to process my dispute. At this point they have ignored my request.
Product: Credit reporting or other personal consumer reports

I have disputed with XXXX with these companies XXXX XXXX XXXXXXXX XXXX and I'm in court now with XXXX XXXX  which shouldn't be showing on my credit report because we are in pre-trial, Midland credit is on my account twice different acct # XXXX and XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX have disputed these accounts as not mine accounts and still the outcome ( was verified and updated the information dispute has been verified as accurate ) which is not correct. I contacted XXXX asking what documents were use from collection agencies verifying investigation I was told to contact collection agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX I received a copy of my credit report. To my surprice, you are reporting this account incorrectly. This collection account is reporting not only as a CHARGE OFF ACCOUNT, but also shows a past due balance of {$590.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Credit reporting or other personal consumer reports

Equifax continues to violate the FCRA. Equifax sent me an illegal stall letter and provided false information to the CFPB by stating in my previous complaint that they conducted an investigation. TO DATE EQUIFAX HAS PASSED OVER THE 30 DAYS REQUIRED TO COMPLETE A PROPER INVESTIGATION. ENCLOSED IS PROOF OF THEIR FAILED INVESTIGATION AND PROOF THAT THE INFORMATION IS STILL REPORTING INCORRECTLY ON MY CREDIT REPORT. ( See Attachments )
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I am not happy to see the below items that are still showing in there as negative. An error to my credit report have not yet fix I've sent you too many letters to correct your record which is my credit report.