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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, 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 an 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

Hello. On XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX closed my XXXXXXXX XXXX XXXX XXXXXXXX XXXX ending in XXXX because of some fraudulent charges I reported. They issued a new card ending in XXXX. Equifax is not showing this new account in my credit file. This is my third complaint regarding this issue. Please refer to complaint # XXXX : XXXX and XXXX. Attached to this complaint please find an Account Verification Letter from XXXXXXXX XXXX XXXX  to confirm that this account ending in XXXX is open and active. Please make necessary correction. Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

I have been paying my car payment through billpay. The checks have been sent out and not returned. The account number is on the checks. However, I keep getting calls saying that I haven't paid my car payment and its going against my credit. I'm doing my part but I have no control over how GM Financial does things.
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. 

Account name : XXXX  # XXXX, Account name : XXXX  XXXX # XXXX, Account name : USBK Court XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX 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 the consumer/ natural person and original creditor sent affidavit of truth along with exhibits addressing the issue with my report on XX/XX/2020 with invoice violations of 15 USC 1681b ( a ) ( 2 ). As of 11/27/2020 I have not received any mail with my report about the issues the bureaus did not get my written instructions to furnish the information I listed as exhibits.
Product: Credit reporting or other personal consumer reports

I submitted an Identify theft report regarding A goldman sachs that was cloned fraudulently and used as part of an identity theft. 

I submitted this information to XXXX and they failed to internally file it correctly. I'm demanding this be reinvestigated and removed from my report or I'm going to sue.
Product: Checking or savings account

On XX/XX/XXXX there was a bank fraud in my HSBC accounts, in the amount of {$110000.00}, since that date I made multiple claims both personal and by mail and it was XX/XX/XXXX that I got in response of Mrs. XXXX XXXX, that within a period of 10 working days I would receive an answer if you have any questions, please contact Mr. XXXX XXXX, I have sent several communications and the last one I answered was on XX/XX/XXXX, " Dear XXXX XXXX, I appreciate your patience as I continue my review. I dont need anything further from you but do need a little more time to resolve the matter.Sincerely, XXXX XXXX XXXXManager, Executive Office | Customer RelationsXXXX XXXX XXXX - XXXX XXXX, NY XXXXwhere I indicated that it would give more time, despite the fact that I wrote after that date, I do not get any response, I have not received an answer to my complaint until today and it does not meet my requirements
Product: Credit reporting or other personal consumer reports

I have file several disputes with Equifax regarding this account and have additionally requested a description of method, and steps, used to verify this information as indicated by FCRA Section 611, paragraph ( 6 ) ( B ) ( iii ). Equifax has failed to provide such information. 

My previous home was foreclosed and the bank never changed the account to their name. My name stayed on the account until the house was auctioned. The power used for the house while is was owned by the bank was mine was credited to my account when it should have been the bank. 

I reported this situation to the Company, XXXX. and they agreed to removed the account from my credit profile. However, regardless of the documentation I provide, Equifax persists on not complying with my request to remove the account from my profile. 

I had to take the vendor, XXXX, to court to remove the account. Even while the account is in litigation, Equifax insists on reporting this information in my credit profile. This is a complete violation of FCRA. But they don't care to comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked into a loan from XXXX XXXX. Unbeknownst to me, they sent my inquiry to them out to several other companies. I have never heard of some of them. Out of 10 hard inquiries, I only know of one that I actually applied for.
Product: Checking or savings account

I have been with the Bank for over 14years. I have never requested a wire transfer at the bank or not through my Online Banking. On XX/XX/2022, my online banking account was compromised
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed dispute letters to each of the three credit bureaus. I still not received a response from any of them. If 30 days is the limit they have to respond, they have clearly gone over. There are accounts on my report that are older than seven years and they need to be removed from my report.
Product: Debt collection

I was a customer of XXXX  wireless in the years of XXXX. When I decided to switch carriers, I returned XXXX XXXX  I had and paid off the remaining balance including delinquent phone bills. They told me they would email me a copy of the final receipt. Online, it said account was paid in full. In early XXXX, I got a notice from XXXX  I owed {$1300.00} for not returning said phones. I called XXXX  for months, I was told there was no balance and it may be a scam. The charge became delinquent, even though I was told there was no charge and it was added to collection. This was disputed in XXXX but denied by XXXX since XXXX said they never received payment after all. When I called to pay, they said I actually owed more like {$2000.00}. I was able to access my bank account and show I had made a final payment of over {$800.00} to pay off everything. Every time I told XXXX  I had the documents the call would disconnect. The delinquent report fell off of my credit after the 7 year limit in XXXX. In XXXX of XXXX, it came back. Now a company called Jefferson systems says I owe a balance of {$1300.00} and my credit score has decreased XXXX points. XXXX is not even in business anymore. I called Jefferson systems to pay, and they tried to sell me on making monthly payments with 6 % interest. When I kept refusing and asked to pay the amount written in full, because I just want this dealt with, I was hung up on. Twice. This company is fraudulent and the account is almost 8 years old now, there is no way this should be on my report at all.
Product: Credit reporting or other personal consumer reports

list Inquiry on my account is Unauthorized and univariableXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX
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. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 card

I had previously filed a complaint against Citi Bank/Best Buy XXXX Complaint # XXXX. In Citi Bank 's Response to that complaint, they provided you with incorrect information. They are saying that I only disputed XXXX Fraudulent Charges totaling {$2100.00} that were made with XXXX of my Authorize User 's Card with the name of ( XXXX XXXX XXXX. That is not true, they are very much aware that I am disputing a Total of XXXX Fraudulent Charges that were made with XXXXXXXX XXXX Card, Totaling {$9500.00}. I also filed XXXX Police XXXX regarding this matter, but they obviously didn't take them in to consideration. Why they are denying the facts it's totally unfair and I believe that Citi Bank is now acting in Bad Faith towards me. The Charges that were made with my other Authorize User 's Card ( XXXX XXXX ) have absolutely nothing to do with this Fraud Matter! Citi Bank is picking and choosing what I can and can not get back from this, their decision is very contradicting and doesn't make sense! The XXXX Fraudulent Charges that I was credited for were for XXXX Airline Tickets that were made on XX/XX/2023. There are more Fraudulent Charges before and after that date. In order for their decision to make sense, I would of had to make some valid charges before XX/XX/2023, then lost my card or had it stolen and then found it again and continued making more valid charges. When I originally reported this matter to Citi Bank on XX/XX/2023, Citi Bank told me that call was being Recorded, but yet they have never taken the time to review that call. I have also asked CitiBank numerous times to provide me with a copy of all the information and or documents that they used to come to their decision. Although they've told me I have a right to that information, over half a year later I still haven't gotten nothing from them. I need this information because I do plan on taking them to Small Claims Court.
Product: Money transfer, virtual currency, or money service

In XX/XX/2022, a company posed as fashion brand, XXXX XXXXXXXX XXXX, reached out to hire me as a XXXX  for an upcoming XXXX. I was sent a fake check for {$1900.00} and was instructed to send {$1500.00} the stylist for clothing and hair. I was told to keep remaining {$350.00} from the check as part of my compensation. I would then be paid the remaining compensation the day of the shoot. 

I deposited the check sent to me, and the funds were available by my bank ( BoA ) the next day. I sent the XXXX for {$1500.00} to stylist as instructed, but later realized the bank retracted the funds from the check and was told it was a fake check. I immediately notified Bank Of America fraud department ( 1 day after sending XXXX XXXX and explained the job scam that I was a victim of. I attempted to get the money back from the fake company, but was unsuccessful. 

Bank of America has denied my claim for reimbursement. Despite having knowledge of this well known job scam. I was fraudulently induced into sending money, under false pretenses that the company and job were real.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from XXXX XXXX that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the ConsumeXXXX reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent to XXXX, Experian, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

This letter was sent to mortgage company Seterus INC. Now my house is in foreclosure, and they wo n't talk to me, since loan is in my ex-husbands name. I have made every payment since being awarded the house last XXXX XXXX. This letter I am attaching will explain more. 

Seterus , Inc . 
XXXXRe : Loan # XXXX-XXXXXX/XX/XXXXTo Whom it may concern : I am writing to request information on my home ; at property address XXXX 

This is my house. It was my child hood home I inherited in XXXX from my deceased parents. When my ex-husband and I refinanced this property with your company, we used only his income and credit score, because at that time I was a stay at home mom, and he had the higher credit score, making the interest rate and payments lower. I was, and always have been authorized on this account, until recently! I have been trying to find out where my XX/XX/XXXX payment of {$760.00} is at that I sent you. It has not been sent back or cashed. Nor will anyone discuss this with me!! 

Last year, XX/XX/XXXX our divorce was finalized and the judge awarded me my house. ( COPY ATTACHED ) XXXX XXXX was court ordered to pay all the delinquent payments at that time and I would resume the first XXXX in XXXX XXXX. 

I made each month 's payment to you in the amount of {$610.00}. I paid every month! I sent you XX/XX/XXXX payment of {$610.00}, which you returned to me. ( COPY ATTACHED ) Letter states that you sent explanation to the borrower. I then called and was told that the payments were delinquent, and each month I paid, the payment would be applied to the previous months. Therefore, you sent me a copy of a letter you sent XXXX, stating you were willing to work with him on the delinquency of the account, and modify the loan. It stated that that a payment of {$760.00} should be sent in for XXXX, XXXX and XXXX, while you waited for hardship letter and documents from XXXX XXXX to modify. 

I called on Tuesday, XX/XX/XXXX and was told XXXX never responded to this request. I asked where my XX/XX/XXXX check for {$760.00} at! I was told they could n't discuss this with me as I was n't authorized now! 

Last night, XX/XX/XXXX I got a phone message from XXXX XXXX stating my house was in foreclosure and I had until XX/XX/XXXX to pay you {$5600.00} because I have failed to pay any of my payments over the past year!!!!!!!!!!!!!! I have sent you all of my canceled checks to you for the past year, showing you I HAVE PAID!!!!!!!!!! This is my house, and clearly XXXX is in contempt of court, which I filed against him on Tuesday XX/XX/XXXX with XXXX XXXX Courts in XXXX, CO. 

Please send me correspondence regarding my check, and what is going on. I am the owner of the home and I will file a complaint against you legally, if a foreclosure is truly happening. 

In my own eyes I believe that XXXX is just unhappy that I won the home in the divorce and doing everything in his power to make me lose it! 

I have attached all of the pertinent information needed for you records ... 

Thank youXXXXXXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

I canceled my contract with XXXX XXXX which incurred a debt of {$300.00} in XX/XX/XXXX. I sent a check to collection agency Diversified Consultants in the amount of XXXX which posted to their system on XX/XX/2017. I called to verify that they had received the check. While I was working with the collection agency, XXXX XXXX charged my checking account an additional {$300.00} without my authorization. Which created an overdraft on my account. I was able to call the bank and get them to reverse the charge since I was able to show that I had already paid the bill to the debt collector. On XX/XX/2017 I received a call from Diversified Consultants stating that I did not pay any debt. I tried to resolve the overcharge with both XXXX and Diversified but neither company was willing to work with me. XXXX told me that I would have to wait 90 days to contact XXXX to begin the process of recovering the overcharge. Diversified told me that it was my fault because I chose to send a check instead of giving them access to my checking account.
Product: Credit reporting

SENEX COLLECTION REPORTING ON XXXX CREDIT REPORT A COLLECTION WITH XXXX HOSPITAL WHICH IS NOT MINE..ONLY DEAL WITH XXXX IN THE PAST XXXX..ON XXXX ....