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

For the past few months i 've been trying to submit a dispute to the credit bureaus about an account on my credit report. The account is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. This is reporting as a bankruptcy. Now i can admit that i did in fact start the process of filing bankruptcy but i never went through with it, I have the paperworkk to prove that. For some strange reason the credit bureaus are still VERIFYING this account when i KNOW for a fact i have NEVER filed bankruptcy. How is that even possible? Can they do that? Is that legal?
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I was trying to buy a product from someone online. I sent the money using XXXX as its through Wells Fargo and I thought I would be protected because its a transaction through my bank, however this was not the case. When I called to make a report of this I was greeted with a brick wall. The customer service rep was condescending and not much help as she filed my complaint. I never received any follow up through the course of their investigation. They closed my claim and didn't even notify me, I found out by calling to check on the status of the claim. Wells Fargo should be ashamed to partner/work with a company that offers its consumers no safety net. So I was scammed out of {$400.00} and thats unfortunate for me. Please, DO NOT SEND MONEY THROUGH XXXX!
Product: Credit reporting or other personal consumer reports

Subject : Continued Inaccurate Reporting and Failure to Disclose Verification Method - XXXX  Account Dear Credit Bureau, I am writing to formally dispute the continued reporting of inaccurate information on my credit report, specifically regarding the XXXX account. Despite previous disputes and requests for corrections, the inaccuracies persist, indicating potential willful noncompliance under 15 USC 1681n.

As per 15 U.S. Code 1681e ( b ), credit reporting agencies are obligated to " follow reasonable procedures to assure maximum possible accuracy of the information. '' The continued reporting of inaccurate information violates this provision.

Furthermore, 15 U.S. Code 1681i mandates that credit reporting agencies " conduct an investigation with respect to disputed information. '' Despite multiple disputes, the inaccuracies remain, suggesting a failure to conduct proper investigations.

Additionally, I previously requested the method of verification for past disputes, as is my right under FCRA Section 611. This information has not been provided, further hindering my ability to assess the accuracy and completeness of your investigations. 

Due to the repeated failures to correct inaccuracies and the failure to provide the requested verification method, I am formally requesting the deletion [ DA ] of the XXXX account from my credit report. This request is supported by : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion - If an item is found to be inaccurate or can not be verified, it must be deleted by the credit reporting agency. 

15 U.S. Code 1681s-2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies - Furnishers , such as XXXX, are obligated to provide accurate information and investigate disputes. Their failure to do so warrants the deletion of the inaccurate account. 

In line with 15 U.S. Code 1681n, I am also attaching an invoice for damages incurred due to the continued reporting of inaccurate information. These damages include, but are not limited to, lost opportunities and emotional distress. I expect these damages to be paid in full as a direct consequence of your failure to comply with the FCRA.

I anticipate prompt deletion [ DF ] of the disputed account and full payment of the attached invoice. Failure to comply with these requests will leave me no choice but to pursue further legal action. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

Personal Information XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXXXXXX XXXX ID # XXXX XXXX XXXX XXXX ID # XXXXXXXX Addresses XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make and consumer report containing and of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish and information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

check the following accounts that appear on my credit report, they do not belong to me, they are hurting me Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 
XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.
Product: Mortgage

XX/XX/year> I changed homeowners insurance companies and Mr. Cooper Mortgage didnt pay my new insurance. It was overdue as of XX/XX/year> and I was sent a letter of cancelation. When I went on Mr. Cooper website they advertise a Live chat, but when you click it is only automated answers to questions. After searching for an 800 number I called and could not get past the automated system to get to a rep no matter what I did. This is the scenario that repeats each time and was the reason for my prior complaint. There is no way to speak to a live person when an issue can not be solved by automation. I finally found a number on XXXX that got me a live person, she assured me she would transfer me to insurance department live rep but she just transfered me to another automated line I couldnt get through. I finally found yet another number after an online search and I finally got to someone who could get my insurance paid, But. THERE IS NO WAY FOR A CUSTOMER TO REACH A LIVE AGENT USING THE COMPANY WEBSITE INFO. A customer has to stumble upon the right phone number online by accident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of Bankruptcy Account Reference Number XXXX account thats being reported on my recent credit report. Upon challenging this, XXXX and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Experian that they verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information Experian used to verify this account in writing. If such documents can not be produced, Experian needs to DELETE this account from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I urge you to promptly assist in removing the fraudulent information from my credit file. This data should have been removed already, as it is a result of fraud, yet it remains. Under FCRA Section XXXX, you are obligated to remove any incorrect records. I have already submitted the required supporting documentation, which I am providing once more. My attorney has been informed and is ready to take legal action if this issue is not resolved without further delay. 
XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/year>
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. Transunion 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Bureau suspiciously dropped my score within a 24hr period from XXXX down to XXXX without being able to offer me any explanation at all based on my credit report reviewing with Equifax .

Normally credit scores drop with this wide margins if there are significant negative changes to ones credit reports. However, in the case of mines, my credit report history over the last 6 months, score showed a significant improvement in my personal financial data 's. 

This may indicate 1. a gross incompetence, 2. a discriminatory practice or 3. an wanton abuse or 4. a dereliction of duty, or 5, a reckless negligence etc. on the part of Equifax, which admitted to not finding any negative factors that may contribute to a XXXX point dip in credit score within a 24 hour period. 

I hereby appeal to federal investigators to help intervene in my issue here. My score should actually be increasing rather than decreasing based on various improved credit financial data 's showing up on my report over the last 6 months.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccurate inquiries. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. INQUIRIES : XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX  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 XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, are not accurate. Also, according to 15 USC 1681s-2, 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: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Fraudulently Obtaining Consumer Credit Reporting Information XXXX XXXX To Whom this notice may concern, You are in violation of Credit Reporting act 15 USC 1681 ( b ) for unlawfully obtaining my XXXX XXXX XXXX, XXXX and Early Warning Services LLC consumer report without my authorization and permissible purpose under the Fair Credit Reporting Act. 
As a result of you unlawfully obtaining my consumer report without my permission, you are liable to actual damage or statutory damage for up to {$1000.00} in punitive damages. I am willing to settle this matter without admitted liability. Cease and desist on obtaining copies of my consumer report from consumer reporting agencies and pay me {$1000.00} in punitive damages and deliver it to my address above within the next 14 days of receiving this demand. 
Please be advised that I am prepared to place a commercial lien on your company if you refuse to comply with this demand. 
At the time of received payment this letter will become a general release of all claims herein. 

Kind regards,
Product: Credit card or prepaid card

NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX On XX/XX/XXXX I arrived home from a 45 day rehabilitation retreat where we were not allowed any contact with outside world. Once home I checked my XXXX Bank of America Card Expecting to have {$4000.00} +. When I checked I noticed my account had been drained. I immediately called BofA and was informed I needed to call back on Tuesday the XXXX because the Claims was closed for XXXX XXXX. I shut off access to my card on that call. 

I called the claims department 1st thing Tuesday morning to report my claim. The claim amount was for {$4200.00} of unauthorized charges. 

On XX/XX/XXXX I Received a Provisiona Credit in the amount of {$4200.00}. On XX/XX/XXXX I received mail from the BofA Claims department saying the charges were unauthorized and the provisional credit will stay. 

On XX/XX/XXXX or possibly the XXXX my account was closed without any warning and the {$4200.00} was deducted from my account. 

That same day over XXXX people had the exact same thing happen to them. 

On that same day I received another piece of mail from the Claims department but this time the letter said they had ruled against me. 

I contacted the Claims department immediately and for the next 4 months was given the run around as BofA played the blame game blaming XXXX while XXXX said the issue was with BofA. 

Well we all know now the truth and the truth is BofA was using automatic fraud filters and on the same day everyone whom had am unauthorized claim had their account closed and money deducted. 

I fought this for 6 months and lost everything. Then I got word that BofA was fined XXXX XXXX and ordered to pay back the people ( me ) who were impacted by this atrocity. 

I called in and was informed they reopened my claim on XXXX XXXX. 

Since that date I have called over 25 times. Been put on their TRACKER 10+ TIMES AND HAVE OVER 15 COMPLAINTS FILED through their CSR Every call it's the same XXXX YOUR CLAIM HAS BEEN REOPENED THEY ARE WORKING ON IT. 

I've requested access to their investigation after they ruled against me more than 4 times and never received anything... you know why. ... nothing was investigated ... itbwas an auto decline due to a faulty filter system. 

As of today it's almost been 2 years. 

.. BofA has broken every rule in the banking book when it comes to the handling of claims.
Product: Debt collection

Hi XXXX XXXX XXXX / ASA ; How are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Debt collection

An account was open with XXXX  with my information. I already have phone service with XXXX XXXX XXXX. I seen it on XXXX XXXX and I don't know what information they have on me. 

I have called XXXX and XXXX and filed a fraud alert. I also called the Sunrise Credit Services and they lead me to XXXX. I let them know that I didn't open the account and they filed reports in there systems. I am awaiting on the reports as of XXXX, XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

I requested that my phone number be entered into my personal consumer statement and they're refusing to do it they're using a number that's located in XXXX and it is an actual number that is fraud that number does not belong to me and I requested that my actual phone number be listed and that I am to be contacted before any credit could be released or given to anyone there's a lot of misspellings in the statement that was taken as well
Product: Vehicle loan or lease

I filed a complaint with the creditor that the information on my credit report is not being reported accurately and it was reported to me that it is correct however its not and i will prove that it is not and want the history of the late payments be removed and deleted.
Product: Credit reporting or other personal consumer reports

Recently, I discovered that I am a victim of identity theft, there are fraudulent accounts I did not open on my credit report. This has caused me significant distress and hardship. These fraudulent accounts are hurting me deeply, preventing me from improving my quality of life for myself and my family. As a first-generation American born to XXXX XXXX who came here seeking a better life, this situation is devastating. It feels as though the credit bureaus and creditors are not taking my plight seriously, possibly due to the commonality of XXXX names, which smacks of discriminatory practices contrary to the Equal Credit Opportunity Act. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681, 15 U.S.C. 1681i sections 611, 15 U.S.C. 1681s-2 sections 623, 15 U.S.C 1681 section 602 A, and 15 U.S.C. 1681s-2 ( A ) ( 1 ). Please delete the fraudulent accounts immediately. In addition to correcting the inaccurate information, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to request validation of this debt. Specifically, I request that you provide the following : A copy of the original contract or agreement that I allegedly signed, which substantiates the debt.

A detailed account of how the amount being reported was calculated, including any fees, interest, or other charges.

Proof that you have the legal right to collect on this debt, including documentation that shows your ownership or authorization to collect this debt.

I believe these fraudulent activities are a direct result of the XXXX data breach which led to Transunion, XXXX, and XXXX having inaccurate accounts on my report. Despite being affected by this breach. This failure to notify me has left me vulnerable and unprepared to address the fraudulent activities in a timely manner.
Product: Debt collection

Ive received numerous phone calls from Portfolio Recovery nearly every day for more than three years but I do not owe any debt in collections. Ive verified this through personal records as well as through third party credit reporting services including XXXX and XXXX. Ive been unable to speak to anyone at Portfolio Recovery to resolve the situation, nor have I been able to block all of the dozens of phone numbers they use. Its truly harassment, especially considering they have no legitimate reason to continue contacting me.
Product: Credit reporting or other personal consumer reports

Sofi decreased my credit limit due to my credit score dropping to XXXX. I called Sofi and was told they would request a higher limit. I called Sofi again and requested where they got the XXXX  credit score from. They replied with XXXX which turned out to be false. They then correctly said it came directly from XXXX XXXXXXXX XXXX 

I was told by Sofi to call XXXX. I managed to get in contact with a XXXX rep who said Sofi 's credit score number is fraudulent and to report it to FTC or CFPB. 

By lowering my credit limit, my credit usage has gone up which will affect my credit score. SoFi refuses to do anything about their fraudulent reporting which is hurting my credit score.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my consumer report and found several items on there to be inaccurate and violation of the law : 15 U.S. Code 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I do not receive any material as mentioned in section 1637b of this title. 

Also, under 15 U.S. Code 1681 ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( 2 ) Exclusions. -the term consumer report does not include- ( A ) any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report : These alleged late payments are transactions between me the consumer and the furnisher, which are the person making the report, which shall be excluded from my consumer report. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This is hindering my ability to exercise my right to extend credit in connections with loans and pursuant of 15 USC 1602 ( g ), please correct the following accounts in my credit report immediately, update any alleged late payments to current, and any status stating otherwise unless you wish to be held liable for {$1000.00} per violation. 
I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my consumer report. 



Accounts 1 ). Account Name : XXXX XXXX 2 ). Account Name : XXXX 3 ). Account Name : XXXX XXXX ). Account Name : XXXX 5 ). Account Name : XXXX XXXX
Product: Debt collection

his number called & left a message that said : XXXX XXXX calling from XXXX XXXX XXXX in regards to referernce ID XXXX. I would need to hear a call back from you at XXXX. I'll be in the office here today till XXXX. Then I got a call from the same number 3 minutes later saying : XXXX XXXX from XXXX XXXX XXXX. I think this is bogus. I am not going to return the call. If they call again, I am going to try & respond through the XXXX Messaging Service I used to make them leave a message. I am going to request something in writing.