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

XX/XX/2023, bankruptcy as filed and XXXX XXXX was included in debt. XXXX XXXX was notified of bankruptcy status via email and mail but still continued to take funds from bank accounts in XXXX, XXXX, and XXXX. In XX/XX/2023, bankruptcy was discharged and XXXX XXXX continued to initiate ACH transactions with banks. Stop payments were applied to all accounts. In XXXX, XXXX and XX/XX/2023, XXXX XXXX were continued to be notified via email, mail with cease and desist letters, and even contacted via phone. XXXX XXXX continued to threaten me with XXXX point drops on my credit if I did not pay the balance that was included in bankruptcy. XXXX XXXX continued to initiate ACH transactions from stop payment banks by changing names on all transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX opened on XXXX XXXX {$680.00} XXXX  XXXX Account # XXXX opened on XXXX XXXX {$530.00} XXXX Account XXXX XXXX opened on XXXX XXXX XXXX Account # XXXX opened on XXXX XXXX {$680.00} XXXX  Account # XXXX opened on XXXX XXXX {$1700.00} The accounts listed above were opened fraudulently without my permission. My personal information and identity were comprised and used to open credit card accounts and charges that I DID NOT authorize nor DO. I have already filed an identity theft report, a police report, and complaints with the XXXX XXXX XXXX As a direct result of this my persona credit has been severely damaged.
Product: Credit card or prepaid card

I purchased a living room set from XXXX XXXX in XXXX, Arkansas. I chose to use Synchrony Bank for the no interest. My dispute is that the furniture I purchased was not the furniture that was delivered to me 3 days later @ XXXX XXXX in pouring rain. I noticed immediately that the furniture delivered was a much cheaper set and not the set I agreed to buy. I called the very next morning and was told to try it and call back Monday. The furniture is so bad that you can't even set in it due to a board hitting your back. I was immediately told they don't take returns. XXXX submitted numerous documents multiple times and all Synchrony Bank customer service continues to say is that its a quality issue. For one reason or another they can't get it through their head that I was delivered a much cheaper, lower quality of furniture and NOT the furniture I agreed to pay for. XXXX XXXX have forged my signature on the delivery paper saying I inspected it. The 3rd party delivery wasn't in my house long enough for me to sign anything. I have attached documents that were notarized by my attorney on the forging of my name and from 2 other parties and still Synchrony says its a quality issue and work with XXXX XXXX which I did and received the rudest conversation with. All XXXX XXXX has to do is submit the forged delivery slip and the copy of my application. I even agreed to upgrade and pay the difference but XXXX XXXX wouldn't even consider it. Hopefully I will be able to attach my documents that I sent to Synchrony. All I want is the original furniture I agreed to pay for instead of waiting 3 days to get a cheap set that I wouldn't pay XXXX for.
Product: Credit card or prepaid card

I opened a secured credit card three years ago. Since then the company has increased the limit of my " secured '' credit card to {$5000.00} from {$500.00}. {$500.00} was the deposit that i had made to open my secured credit card. When i ask for the XXXX $ back, the company refuses to give it back citing that it is a secured product and is unwilling to upgrade me to a unsecured card despite having a very good credit history and great credit score.  They say they have no process to upgrade and the customer can't ask for an upgrade. My XXXX $ deposit is sitting locked up without me being able to earn any interest on it.
Product: Checking or savings account

On XX/XX/2018 a withdrawal was done from my Chase checking account of {$260.00} from an ATM. Chase alerted me of the suspicious activity and I advised them I had not authorized the transaction. Chase Bank refunded me the {$260.00} while they made an investigation. Approximately 3-4 weeks later, Chase advised me that they would not be refunding me the {$260.00} anymore because the person that withdrew the money use the correct PIN number on the first attempt. Chase advised me that the withdrawal was done in an ATM in XXXX, TX in a bank called XXXX XXXX XXXX. I advised Chase I have never traveled to Texas and I was still in possession of my debit card. Chase stated they couldnt do anything more since they had already done their investigation. 

I made a police report with the XXXX Police Department and informed Chase fraud department about the report but I have still not heard anything back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Bankruptcy Case Number : 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 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 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 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 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: Payday loan, title loan, or personal loan

On XX/XX/XXXX and XX/XX/XXXX, the Consumer completed an online credit application providing 2 accepted credit cards ( the Consumer 's Social Security Number/Card and the Consumer 's Driver License Number/Information ) pursuant to 15 U.S.Code {$1600.00} ( m ) to the Lendmark Financial Services LLC for the purpose XXXX obtaining money on credit. After completing the application the consumer was both a victim of " unauthorized use of credit '' pursuant to 15 U.S.Code {$1600.00} ( p ) and was " discriminated against '' by the Lendmark Financial Services LLC pursuant to 15 U.S.Code {$1600.00} ( a ) ( 3 ). Furthermore, the Lendmark Financial Services LLC has obtained the consumer 's, consumer report under false pretenses pursuant to 15 U.S.Code $ 1681q and without permissible purposes pursuant to 15 U.S.Code $ 1681b
Product: Credit reporting or other personal consumer reports

I do not believe that Experian is actually investigating, validating, and verifying my complaint. Experian is unable to provide me details of whom they spoke too and when, whom investigated the issue, or provide information on where original documents/contracts might be in order to inspect them. It should be noted that the CFPB has sued Experian on XXXX XX/XX/XXXX for Experian not actually investigating complaints. My case should be clear cut in that Experian is duplicating an alleged debt between Florida and Arkansas. I have no debt in Arkansas. There is no judgement or court order that exists in Arkansas. I have inquired with Experian only to be ignored. I have contacted Experian by certified signature required mail. I have contacted Arkansas with what little information I have via certified signature required mail and have not received any response to verify and validate any alleged debt. If needed I can provide photocopies of proof and I do have originals in my possession. Experian due to its incorrect credit reporting is creating situation where it is hard for my family, wife, and children to even obtain housing or transportation the way it has wrecked my credit, which was previously around XXXX. 

The debt is still being litigated with Florida, as even there should be no debt there, as the case was closed and moved to Alabama Attached will be court order showing Alabama is the appropriate state and jurisdiction. Also attached is letter from Florida showing alleged debt is current/paid/zeroed out, whatever on XXXX XX/XX/XXXX. I would like the option of providing additional documents in support of my complaint against Experian, if it can be narrowed down to what is needed. Even the Florida debt on my report should be off, as it contradicts the debt being current or cleared in XXXX.
Product: Credit card

a credit card account was open without my knowledge. i have contacted the bank it was issued from and informed them that it is not me. i fond out about it my way of a statement in the mail. they bought men 's cloths from macy 's and location that is given on the bill is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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

You haveviolated FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute & ( FDCPA 15 U.S. Code? 1692e.False or misleading representations ) you allowed this debt collector to violate my right. I already disputed these inaccurate items over 35 days ago and you havent notated it as disputed!!.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a medical crisis XX/XX/XXXX where I was unable to work, unable to pay bills, I paid off indigo credit card through XXXX XXXX on XX/XX/XXXX for the amount of {$770.00} through my bank account, however it's still shows it as a charge off and an unpaid balance and when I call two different numbers, one listed through credit bureaus and one on back of the card, it tells me I've been turned over to a collection agency and disconnects. I have filed disputes with all three credit bureaus who have been unable to resolve this. The fact is I paid this up on XX/XX/XXXX through XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I recently received a notice from Citibank that my credit card limit was being decreased from {$11000.00} to $ XXXX 've been a member since 2015, always paid on time so I am confused.They sent me a balance transfer offer with a 0 % interest rate, and I transferred {$5000.00} to a credit card that I owed and I paid back the {$5000.00} within 2 months.They thought I was creditworthy of the transfer.I pulled my credit report and nothing new showed up. I have never been late on any payment.I called Citibank to try to find out why they reduced my credit line and they kept saying XXXX required us to do it. " I said they mandated you to reduce my available credit, you have no discretion in the matter, and the response was yes, it was due to change on your credit report, except there was no change on my credit report. I am tempted to close but I know that's not the right thing to do. But it concerns me that this can just be done with no recourse? Ive tried calling Citi Bank many times either I get the wrong information or no response at all. I tried to fix this issue with them and nothing, they do not care about their loyal customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX, Macys/DSNB, and XXXX  The Account Opened is XX/XX/LVNVFunding Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}. The Account Opened is Macys/DSNB Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XX/XX/GapAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX XXXX XXXX  years ago to build my credit, I never mail a purchase on this card ever, some how my card was used fraudulently in NY for {$490.00}, I contacted XXXX XXXXXXXX and even spoke with a supervisor they refused to do anything about it, they were very rude dealing with my concern, now they put it on my credit report as passed due for 90 days. How can I be responsible for charges I never made. 
XXXX XXXXXXXX is the worst bank to try and build your credit. I tried many times to close this account and they refused. Please request a history of my credit card from them I never used the cards the entire time I acquired it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPAs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with Federal law and provides consumers with the necessary proof of investigation. These are the accounts listed : 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

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.

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Checking or savings account

IN 2017, IOPENED 5XXXX BASED COMPANIES, DUELY REGISTERED WITH THE CALIFORNIA BUSINESS REGULATING AGENCY AND IPROCEEDED TO BANK OF AMERICA TO OPEN 5 BUSINESS ACCOUNTS IN THE NAME OF THE 5DIFFERENT COMPANIES FAITHFULLY FOLLOWING THEIR LEGAL REQUIREMENTS.BUT TO MY SURPRISE AFTER A FEW DAYS OF OPENING THE 5 DIFFERENT BANK ACCOUNTS, THE BANK OF AMERICA CLOSED THE 5BANK ACCOUNTS WITHOUT GIVING ME ANY VIABLE REASON AND EVEN WENT AHEAD TO PLACE AN INDEFINITE LIFE BAN ON ME EVER OPENING AN ACCOUNT IN BANK OF AMERICA.AS A XXXX   OF THE XXXX WITH A CLEAN HISTORY AND INTEGRITY, ICONSIDER THIS ACT OF BANK OF AMERICA BARBARIC, UNJUST, SADISTIC AND EXTREME MISCARRIAGE OF JUDGEMENT AND WANT TO ASK THE CONSUMER FINANCIAL PROTECTION BOARD TO USE ITS GOOD FULCRUM TO PREVAIL ON BANK OF AMERICA TO REVERSE ITS EXTREMELY CRUEL AND SADISTIC INHUMAN DECISION ON BARRING ME FROM OPENING AN ACCOUNT WITH BANK OF AMERICA WITHOUT ANY REASON.THANK YOU.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Checking or savings account

I tried to close my account with BBT and they refused. They want to keep the account open and continue to charge me {$12.00} per month for having an account with them. Four years ago ( XX/XX/2014 ) I deposited 2 checks for {$68.00} each signed over to me by the " pay to. '' Even though the checks cleared and BBT received the funds, BBT placed a hold on my account for the deposit stating that the " pay to '' on the checks had to sign again. The " pay to '' verified their identity with BBT several times but the hold remains to date. BBT has robbed me of a total of {$280.00} thus far.
Product: Student loan

On XX/XX/XXXX I called Nelnet and was told I needed to send in documentation for an Income Driven Repayment plan. I had done this in XXXX and was told everything was received. I agreed to send it in again. After sending my docs a few days later I called Nelnet on XX/XX/XXXX. I asked if my documents had been received. I was told yes, my Income Driven Plan was completed and my next payment would be {$0.00}. I also logged into the site a fee days later and it said next payment due XX/XX/XXXX {$0.00}. On XX/XX/XXXX I received an e-mail stating that documentation was needed to reflect my gross pay in order to complete my IBR application. I had already sent this in and been told it was received and completed. I called back on XX/XX/XXXX asking about this and was told docs had not been received and on XX/XX/XXXX I had a payment due of {$270.00}. I explained what I was told on XX/XX/XXXX the rep was rude said it didn't matter the docs they needed weren't there and there wasn't enough time to send it in. I escalated to a supervisor and asked to have the last2 calls pulled. They said they will coach the rep. I re sent the docs in but I don't trust these people. Compliance was broken wrong info was given that can result in a negative impact to my credit report. The call center gives wrong info constantly and they are supposed to help us. I advised them I was making a complaint and they gave me this site.
Product: Debt collection

this goes back to XXXX from XXXX, an account was opened in my name, i was still in XXXX tx still, it was successfully proved to be false and i was not responcible for it, so XX/XX/XXXX it waS TAKEN OFF MY CREDIT REPORT, remained that way untill recently a shady collection agency focus recieveables management put it back on my report, they have not contacted me by phone or letter, so i wrote them a letter tellin them to verify they have the right to be doing this, they still have not contacted me, these people have so many complaints against them, now i know why, i just want them to stop lying to the credit bureaus and take this off my credit report
Product: Credit card or prepaid card

I have been getting repeated letters from BOA about getting a credit card that I didn't apply for. The latest was on XX/XX/2022, reference number XXXX. I have summitted a complaint and have asked the company repeatedly to fix the problem. They need to check an on line application to see if there is already an account at BOA with the SSN provided and then immediately text, email or call the user to see if they submitted a request BEFORE pulling a credit report that will affect that user 's credit rating. BOA seems unable to understand the problem and they should call me at XXXX to get it right. I have had to set up accounts with the credit bureaus and freeze credit reporting to keep this from happening.
Product: Credit reporting or other personal consumer reports

understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX