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

I have repeatedly tried to unlock my XXXX Report from the fraud alert that was placed on my credit profiles without my prior written consent to do so and it is currently hindering me from being able to qualify for the purchase of my home. This is causing great stress and frustration to myself and y family. I have called multiple times and mailed several letters but the problem still exists.
Product: Debt collection

This bank of America claims department are criminals. Everyone I have spoken with have a criminal back rounded sould ot be at this bank and as you see on my RT respond they have said that my aims were closed and they were not said they have paid me.and that's not true because if they did why was re they open now. The latest after falsifying my whole account to. They now have taking pictures of me at Bank of America last year. And when I didn't have a bank of America Bank card but I did have a bank account with XXXX XXXX so I was going to Bank of America which I was living next door to to get money out of my XXXX account but they took the pictures from me being there getting money out of my XXXX  account and use it on my claims from 2020 and it had nothing to do with me getting money out of Bank of America account. They also have people on the pictures with me I have never seen a day in my life I don't know those people not guarantee you find out who those people they are they don't know me first my account not a falsifying pictures and lying about my pictures on my account I don't know what you guys job is and what you're supposed to do but I would assume you guys are supposed to help us I sent you all the evidence that this bank is falsified my account or Central evidence of this bank has done a whole lot of things that's against the law my next move is to file criminal charges against Bank of America and XXXX XXXX that you guys charged them to pay back to customers believe me they're not giving us anything so what are they doing with the money can y'all find that out too please thank you and they claim to know nothing about the injunction that was filed against them none of the supervisor or the employees and that's ridiculous when the injunctions it's rules they're supposed to be following I don't care if they know nothing about it or nothing they supposed to be following certain rules that judge XXXX put down for them and they're not doing any of it that's another crime they're committing one I guess they need to be reminded that no one is above the law I mean no one you commit the crime you do the time it's hard to trust someone that lies to you about their name in the state they were in every time they pick up the phone the first thing they do to us is lie how are y'all trusting these people with millions and millions and millions of people money and their criminals and liars and thieves and scammers it's only thing I got out of them
Product: Debt collection

15 USC 1681. I have no business now nor have I ever had business with company that is reporting on my credit report. According to 15 USC 1681.this is fraudulent reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to " Investigate every piece of information '' on the accounts I have listed below. Also I have attached and sent them corresponding documents to prove inaccuracies ( photos of my DL, SSN, & utility bills ). Yet has anything been resolved from my report.

According to the FDRC the term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate and its not and i have the photos with highlighted inaccuracies. 

XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE ACCOUNT I HAVE LISETD ABOVE 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with them, monthly payment was {$250.00} due ( 21st of the month ) on XX/XX/XXXX a payment of XXXX was applied to the balance bringing the balance to {$2700.00}. A Lien release was also created. A car dealer purchase the lien vehicle. I had called multiple times because I told after payment was made a principle breakdown would be applied with a monthly payment lower payment. I called a few times regarding this principle breakdown agrrementXXXX, XX/XX/XXXX, XXXX Finally on XX/XX/XXXX I received a principle breakdown and and now I am currently waiting for clarification on the amount and interest rate which was not provided on the the document sent to me. XXXX was paid on XX/XX/XXXX which in fact would cover a few months of payment, I am not late. Plus I said I would not pay anything additional to loan balance until this principle breakdown has been all cleared up. As of XX/XX/XXXX I am still waiting for that.
Product: Checking or savings account

My Debit card was lost or stolen. 
I am notifying you, under the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or stolen XXXX XXXX and unauthorized transaction. See especially 12 C.F.R. 205.6, 205.11. I request that you refund any unauthorized transactions involving this card, including but not limited to the following : Transaction amounting to {$260.00}, XXXX  : XXXX Transaction amounting to {$590.00}, XXXX  : XXXX. 
PNC bank 's response was unclear, and I do not know what they are doing. Their representatives are extremely incompetent, and I am shocked to my core. I still havent received the new debit card even though the representative told me it would arrive in XXXX business days. 
I am moving all of my funds out of PNC and closing all of my accounts with them because I am extremely dissatisfied and devastated. But I hope my story helps other people avoid this incompetent bank. 
Please have PNC bank restore funds for the unauthorized transactions and send me a proper final confirmation of their action. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing information so I have the records to indicate my standing
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding inaccuracies on my credit report. Despite my previous requests, the following erroneous accounts continue to be reported incorrectly, causing undue harm to my financial stability, XXXX health, and overall well-being.
Product: Credit card or prepaid card

Capital One froze my card and told me to send in some documents to have my card unlocked. 

I did so and they still havent unlocked my card. I advised them that I live in Florida and we just experienced a hurricane and I really need my card unlocked. 

They still have my account locked.
Product: Credit reporting or other personal consumer reports

I have an identity theft case opened with the police. Over the summer I went out of town and my information was used without my permission. Ive asked transunion to remove these inquiries but they are still showing. They listed that they were factual ( meaning authorized by me ) And I disputed it but they refuse to help me. So Im contacting you all to find out if you can let them know this is fraud. I never have anyone permission to look at my profile. Can these inquiries be deleted? Its not fair. Im being penalized for it and in the process of buying a home.
Product: Payday loan, title loan, or personal loan

I was approved for Solar Panel and a Gas Generator to be install on My House.

This was more than 2 yrs ago. Total cost {$49000.00}. 
The Solar Panels was installed but the Gas generator was never installed.

They said it was on order and even gave me and upgrade. But it was never Installed. I reached out to see how much it would cost est. {$12.00} to XXXX. The installer ( XXXX XXXX ) took my good Credit and cash I was approved for, went and installed other solar panels with my Money. 
Telling SunLight Financial that the Job was Finish. But I've been paying for product I never received. I want so compensation!
Product: Credit reporting or other personal consumer reports

Am I going to have to change my name and social security number to stop these fraudulent accounts and inquiries from popping up on my credit report. I was eating XXXX XXXX earlier enjoying my food when I started getting alerts from 10 credit monitoring services I pay for to come to find an inquiry from XXXX  XXXX. Then I looked at my TransUnion to find an account from XXXX XXXX.. Is that like the dark web like XXXX. This is a fraudulent account and inquiry! Please under the FCRA 605B can you please remove these items listed
Product: Credit card

American Express offered a XXXX card and required {$2000.00} spend in the first 3 months to receive XXXX bonus points. This bonus reward was confirmed by an associate and during that chat I specifically asked how much needs to be spent to receive the bonus points. He gave me a number and I spent enough to get the bonus. I waited for an extended period of time but no bonus was credited. When I contacted customer service they said {$3000.00} was required and I am not entitled to the bonus. I described the conversation with the first associate and they reviewed the transcript but no action was taken. I contacted customer service 3 more times but they only respond by saying it still being escalated. All this after the 2nd associate said it would be resolved within one week. Here we are 2 months later and it is still being investigated. I do not believe anything is being done internally and I am looking for outside assistance to persuade them to honor their commitment.
Product: Credit reporting or other personal consumer reports

In accordance to the fair act XXXX  account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15U.S.C1681 sec 602a states I have a right to privacy 15U.S.C1681 sec 604 sec 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

In reference to an account of XXXX XXXX XXXX XXXXXX/XX/XXXX - I sent a letter letting Transunion know that this account is not being reported correctly, and to please update to show that it's never been paid late. I received no response. 

XX/XX/XXXX - I sent a letter to Transunion following up that this account is still showing incorrect information and that it needs to be updated to show never paid late. I received no response. 

XX/XX/XXXXXXXX  - I sent a letter to Transunion letting them know that this account is still showing incorrect information, and that it needs to be updated to show never paid late. I asked for the method of verifying this information - but again, never received a response. 

XX/XX/XXXXXXXX XXXX  I sent a letter to Transunion informing them once again that this account is continuing to show incorrect information, and it needs to be updated to show never paid late. - Once again, no response. 

XX/XX/XXXXXXXX  - I sent a letter to Transunion explaining the numerous letters I have sent to them over the months since XX/XX/XXXXXXXX XXXX and explained that they continue to report inaccurate information that is damaging my credit profile. I sent them factual information that shows the data furnisher that is reporting this account is reporting different information to different credit bureaus. There is NO WAY that this can be verified as accurate. I advised that if this was not resolved, I would be filing a complaint with the CFPB. 

I have never received any response to my letters. The only way I know what is going on is by looking online at my credit report/profile to see what they are updating. They continue to report inaccurate, damaging information and continue to put a statement that it has been verified on the account.
Product: Debt collection

On XX/XX/XXXX Med - 1 Solutions send me a letter informing me that I have a balance of {$4000.00}. That they previously tried reaching out to me to collect this debt under the FDCPA, and to that date they have not receive any resolution. 

I called spoke with XXXX XX/XX/XXXX after receiving the letter in the mail to understand what debt are theyre trying to collect. She informed me it was from year XXXX and the debt amount was {$4000.00} different from the letter Med- 1 Solutions send on XX/XX/XXXX. She also couldnt provide me with anymore information. She requested that I send a email asking for a idolized list of the debt theyre trying to collect. I send email XX/XX/XXXX. She informed me that Ill get a email back that day with the list. I called back on XX/XX/XXXX because I never receive list. She informed me they were unable to send via email and will send a list in the mail. 

I called back again on XX/XX/XXXX they informed me that they couldnt locate list and will have a supervisor give me a call back with update. I called again on XX/XX/XXXX they informed that a letter was send on XX/XX/XXXX. I requested that they send the list again On XX/XX/XXXX. 

I finally received list on XX/XX/XXXX I see that the balance owe from the medical bills are the balance of {$2800.00} and that I made a payment of {$200.00} by on XX/XX/XXXX and Med - 1 solutions added additional charges to the debt owe. I called again on XX/XX/XXXX to ask why I have additional charges and dont see the {$200.00} taken off debt, they place me on hold and then disconnect the line.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered several fraudulent inquiries and accounts that are related to transactions which I did not initiate : I am disputing these entries on my credit report under the Fair Credit Reporting Act, as amended by the Fair and Accurate Credit Transactions Act. 

The transactions represented by these entries were not made by me, but rather by an imposter. Therefore, I request that you block these disputed entries from my credit report as they are a result of identity theft. 

I have made a report with the FTC Report Number:XXXX  I have filed two police reports with the XXXX Police Department about this matter and I received letters that state that this fraudulent account is verified and accurate. I have requested to see how this account was validated. And for 2 years I have never received a response from TransUnion or XXXX XXXX. 

This account is fraud and I need it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 
XXXX {$270.00} XXXX {$930.00} XXXX {$760.00} XXXX {$420.00} XXXX {$700.00} XXXX {$630.00} XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Please update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user on an American Express card and a XXXX XXXX American Express card. The two cards only show on my XXXX XXXX report. They are not showing on my XXXX and XXXX reports. American Express was contacted this month and they stated that they have been reporting the cards to all three credit bureaus as of XX/XX/2020 and every month thereafter. After contacting XXXX and XXXX, they are stating that they have never received the information from American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete the Hard Inquires listed below : 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

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

15 U.S.C. 1681 section 602 A states that 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: Money transfer, virtual currency, or money service

On XX/XX/2020 I received copies of my completed tax returns in the mail that were prepared by XXXX XXXX XXXX XXXX. I immediately noticed that my refund of {$12000.00} was set to be deposited on XX/XX/XXXX into a bank account that was not mine. I called the IRS and Mr. XXXX to inform them of this error. I was told by the IRS that they need 10 days to stop an electronic deposit from hitting an account. The rep provided with the name of the bank and advised me to call the back and notify them of the error so that they could return the funds to the IRS. I called Citizens Bank and visited the branch at XXXX XXXX XXXX XXXX, XXXX, OH. While in the branch I spoke with the Branch Manager and an Associate who took down all my information including the account number ( XXXX ). They assured me they were notating the account and escalating the matter through the proper channels. I also continued to call the bank for the next week and was told that the notes were there and that the funds would be returned in a few days or so. The Rep at Citizens confirmed like the IRS rep that the names did not match the account and since it was coming from the IRS they would definitely return the funds. 
To no avail, I contacted Citizens Bank at least a dozen times and was told different stories by different reps. In early XXXX, one Supervisor told me that I needed a letter from the IRS stating that indeed it was an error. I contacted the IRS and they told me that they do not send letters but that they would put a trace on the funds and that would result in the bank returning the funds. I continued following up with the bank and being told it was being investigated. I called again 3 weeks ago and spoke to another Supervisor who reached out to the ACH department while I was on the line. She told me a man by the name of XXXX was handling the case and he could give us an update. She was unsuccessful in reaching XXXX so took my information and said that XXXX would follow-up with me in XXXX hours. I did not hear from XXXX. I called again today XXXX XX/XX/XXXX ) and spoke to another Supervisor by the name of XXXX. XXXX reached to the ACH department and came back to the line about 15 minutes later. She told that she had an update but it wasnt good news. She professed that the bank did not immediately put a hold on the funds and the account holder had withdrawn most of the funds and the account was overdrawn and that there was nothing the bank could do. 
I am beyond devastated and angry. Citizens Bank took me on an emotional roller coaster for over 4 months only to tell me they gave my money away and that basically its too bad because they dont feel they are responsible. How could they not be responsible after I informed them before the funds were even deposited that there was fraudulent activity? I will ultimately pursue legal action if I need to. This is a large sum of money and they are responsible.
Product: Debt collection

A complaint was filed against on XX/XX/2018 against this company, the company responded on XX/XX/2018 and said ( see below ) they have requested to delete the account from Credit Bureau. 
As of today, the collection is still on the report and credit bureau said they have not received any notices form SOURCE RECEIVABLES Management to remove the collection. I have also disputed the collection account with credit bureau and they submitted my dispute to SOURCE RECEIVABLES Management but SOURCE RECEIVABLES Management affirmed the collection being valid.

************************************************************************ XXXX Company responded STATUS Company responded on XX/XX/2018 RESPONSE TYPE Closed with explanation We have received and reviewed the consumer complaint claiming that this account is fraudulent and therefore he is not liable for the debt we have reported to the consumer reporting agencies, and requests deletion from such agencies.
Product: Credit card or prepaid card

From approximately XX/XX/XXXX until the beginning months of XXXX, I was the victim of severe identity theft and fraud on all of my financial accounts and personal technology. Additionally, in XXXX of XXXX I got sick and required hospitalization. I was not well again until the beginning of XXXX. As a result, I did not add any charges to the card during that time frame. Additionally, there was additional coverage on the car insuring the resolution of any outstanding balance if, in fact, I did become ill and could not otherwise resolve the dame. I therefore dispute the balance in its entirety.