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

I found several discrepancies in my credit report related to late payments that are inconsistent with my history. Please correct these mistakes and update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i didnt understand how or why the inquiries were reported of my credit without permission and hand wrote each credit bureau asking to remove the inquiries only to have my request fall on death ears.. 

XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks - non specific Contact Information
Product: Credit card or prepaid card

I am receiving state XXXX payments from California onto a Bank of America XXXX XXXX. I insisted a transfer to my Bank of America checking account on XX/XX/XXXX for {$3200.00}. The money instantly showed transferred from the debit card and as of today XX/XX/XXXX, the funds are still not in my Bank of America checking account. 

Bank of America to Bank of America transfers should be instant, yet my funds are nowhere to be found. I spoke with a representative yesterday for XXXX minutes who was not able to resolve the issue. I am on the phone today and again getting nowhere, they are saying it is a government issued card and they dont know why the funds arent appearing, so they transferred me to another line and I received a message that they are unable to complete my call and hung up on me. 

I dont have access to my money and am forced to pay interest and late charges to other bills because I can not access my funds a full 6 days later. Apparent the back is earning interest on my money for 6 days while I can not get to my funds. A supervisor today said they dont know what happened and I would need to be transferred to the claims department to try and get my funds returned. 

This is outrageous that Bank of America has the responsibility to handle these funds and they are not able to look and see what happened. I have spoken with 6 people so far and the last supervisor was completely condescending and said he doesnt know where the funds are and that possibly I entered an incorrect routing and account number, yet I have not updated my routing and account number since I started receiving these funds and every previous time I have transferred money. Now he needs me to file a claim with the bank for my missing funds. Its all internal Bank of America, I have spent two hours chasing this down when someone at the bank should have a system to see where the {$3200.00} went back on the XXXX. Now they are telling me I have to file a claim for missing funds. This is beyond irresponsible that they can not find my money and are delaying further while they file a dispute claim they will have to research the claim and it will take up to 45 days to get an answer. This is my MONEY, this is outrageous.
Product: Checking or savings account

My unemployment account was locked for ten weeks its been released and cleared and BOA i is still rejecting my direct deposits its now been 5 days they are still rejecting deposits!!!! my districts legislators have emailed and called then still nothing also unemployment has also been in cl tact still nothing I need Myl money Ive also got bills backed up!!!!
Product: Credit reporting

My report show I worked for XXXX, I have never worked at this business. 
Also there is a name on my report that is not mine and address that I have never lived at.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you review the paperwork? Several listed accounts exhibit inaccuracies in reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion LLC multiple times going back to 2021. I never gave Transunion LLC consent to create a consumer credit report on my trade name which is XXXX XXXX which is my copyrighted property. I asked Transunion LLC to remove fraudulent items in which they did about 2 to 3 months ago and now the items are back on my consumer credit report tht I did not give Transunion LLC consent to create. This is defamation to my character and they have committed identity theft. I will be getting a criminal complaint from the police. The people who I spoke to about these matters are XXXX XXXX, XXXX XXXX which are suppose to be supervisors. I sent in the information tht I was already preapproved thru XXXX XXXX XXXX XXXX and did not give XXXX XXXX consent to look for other lenders seeing tht I already had XXXX XXXX XXXX XXXX XXXX I have reach out tXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX in the information from XXXX  XXXX XXXX XXXX XXXX XXXX them tht I did not need any further inquiries from anybody because I had already made my mind up to go with XXXX XXXX XXXX XXXX XXXX There are 2 more fraudulent items on tht report tht I NEVER gave Transunion LLC consent to create and they are from collections XXXX, XXXX XXXX XXXX. I have never done business with these people and I sure did not give them consent to buy the debt tht are trying to report fraudulently either!! Like I said this is Defamation, Fraud, identity theft. The file number is XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate late payment entries on my credit report. Upon careful review of my payment records, I discovered these erroneous late payments listed, despite my accounts being current. Over 30 days ago, I submitted correspondence disputing these entries and requesting validation, but regrettably, I have not received any response or satisfactory resolution. I am respectfully seeking your prompt assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes about the XXXX Money Key line of credit which should have never been reported to credit bureau XXXX there was never a 30 day missed payment, the loan amount inaccurate, payment % inaccurate, account never been updated since XXXX XXXX showing incorrect information as if no payments were made on account. This information Should not be on account if company is not going to accurately report information consistently. No one at the company is reporting this matter correctly or trying to fix their error. Which shoes I owe an amount that is inaccurate. Refuse to take off credit report.
Product: Debt collection

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE
Product: Checking or savings account

I have been a customer of Bank of America for over ten years. the past 3 years I have had to dispute charges I didnt make and also replace my debit card 3 times in the last 2 years due to fraudulant activity on my account. Most recently on XX/XX/XXXX of 2022 I had too small charges pop up and a text came from Bank of America asking did I make these charges I said NO ... then a male clainming he worked for the bank asked was I trying to XXXX transfer money to some random person- I said NO. He stated all the values in my four accounts with the bank 2 are mine 2 my husbands. He said I had to enter a code to stop the transfer which I did. He said he was XXXX XXXX in the fraud dept. In fact he was lying and transferred money out of 3 of my accounts for a total of XXXX plus dollars.. I called the bank immediately to report this fraud they advised they would investigate and get back to me in 15 to 45 days. On XX/XX/XXXX I got the first of 3 letters stating that they had investigated this basically stated I did the transfers myself and that is not what happened on XX/XX/XXXX I called the Fraud dept again they said that they reached out to the bank where my money went and they refused to reimburse my money. BOA - basically offered me no help no recourse and they DO NOT protect accounts as they should. they didnt not even investigate this they sent out a letter in less than ten days even with Holidays included that just said this was my fault and it was not. This was a fraudulant theft of my accounts and they have done nothing. I can provide the letters they sent me in print or the emails they sent but I couldnt get them to download here.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX company has been reporting incorrect late payments for years since XXXX. I have reached out to them and also the credit bureaus namely Experian, XXXX  and XXXX. Nevertheless, none of them did anything to correct the problem. I am attaching proofs of my payments to XXXX XXXX XXXX for the last 4 months. Yet they still report a 30-day late payment on my XX/XX/XXXX reports across the bureaus. The credit bureaus mentioned above also did nothing. Every time I send in a request for investigation on the late payments, they also come back to me with a statement declaring that all late payments are verified. It is obvious and evidently that those late payments are wrongly noted. I even send in document from XXXX XXXX themselves to prove that I was not late. This is clearly a violation of FCRA and other consumer laws. I plan to take this company and the bureaus to court if they do not want to correct this problem.
Product: Credit reporting or other personal consumer reports

I filed ftc affidavit because there were fraudulent accounts and hard inquiries on my report that do not belong to me. None of the credit bureaus are helping me get this resolved.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : Account # XXXX 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 16811s-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.

15 U.S Code 6802 ( 1 ) ( A ) ( B ) ( C ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX XXXX of XXXX XXXX April 08 XXXX XXXX imports XX/XX/XXXX and XX/XX/XXXX No action taken yet I do Not recognize the hard inquiries on my account i XXXX have an idea on whos using my information
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a home loan XX/XX/2022. I was told by my mortgage lender that I had a defaulted loan with XXXX XXXX  that was having a very big negative impact to my credit score causing me to get denied. 



After months of going back and forth with XXXX XXXX, I was able to get them to send me a copy of the application which clearly shows me that this is not my account as none of the data including my name, phone, email address or physical address is valid for me. I assume the SS and DOB arent either, but I wasnt provided this information. 



I have 2 possible theories..

1- I am a victim of fraud. This doesnt seem likely as none of the data matches my true data. See highlighted data below.

2- Trans Union and XXXX are incorrectly matching this charged off account to my credit bureau report, in error. Please note : XXXX is not.
Product: Credit card

I've always made sure to pay this account on time, never allowing it to become overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Product: Debt collection

XXXX claims I owe XXXX on a credit that I do not know of.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts, has violated my rights. 

15 USC 1681 section 602states i have the rights 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 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Product: Mortgage

This is the second time I've been locked out of my account because my phone number was deleted from my account. The first time I was able to get in and add my phone number back because my mom was nice and gave me the code PNC sent to HER phone. 

I have absolutely no clue how or why they have her phone number at all. I am the sole owner of MY home!
Product: Checking or savings account

I have a screenshot of the date I received an email from my bank stating that after paying the item and charging me a fee I had {$150.00} and some cents, now I questioned the bank and they said yes this is the amount in acct. so I stated that Im in the positive and you cant charge me the fee there and as money in account to pay item I have been told twice and I told them I have screenshot of the email as proof I was in positive and they need to reverse fees. Now this morning I look on my Bank of A. App. And I see Im negative XXXX and some cents for transactions on XXXX now yesterday I saw I was XXXX and some cents negative so I rushed and deposited {$5.00} to bring positive I did this before the last deposits can be made at XXXX  XXXX. Which would be XXXX California time. Which it shows posted on XX/XX/22. Now anything that comes in is posted for XX/XX/22. So the fee they charged on the XXXX is in correct because I was positive the they decide to charge me a fee of XXXX leaving me XXXX cents now I also have a problem with the fact That bank of A like to look at online banking when they speak to you and we use the B of A XXXX. Now you would think that all they see is what we see oh no for some reason its way different that what we see. Im sorry I go by the app this way I facial ID my info not just online banking to many ways things get seen. Yet what I see is I am in negative on XX/XX/22 go deposit I have receipt that shows positive yet they slip a XXXX fee in there for activity on XX/XX/22 yet I see my activity and I am not in negative at anything till way in after noon make deposit yet charged and show today I have read major complaints about this and other fees people are charged and they arent valid I want my monthly back
Product: Debt collection

The collection agency failed to provide me a proper investigation as well as provide me PHYSICAL proof ( Just a COMPUTER GENERATED PRINT OUT ) That the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to Promptly DELETE all information which can not be verified.
Product: Debt collection

XX/XX/2020 XXXX  XXXX  Account XXXX Creditor : Caine & Weiner {$77.00} charge is paid in full - Confirmation # XXXX Caine & Weiner XXXX XXXX XXXX
Product: Debt collection

I filed a complaint/dispute with XXXX XXXX/XXXX  via their dispute system XXXX 2020. After submitting complaint online, I looked up the collection agency that had complaint on my file Allied Account Services, XXXX XXXX XXXX, XXXX, XXXX I spoke to the representative and told him if he checked his records he would see that I've never lived in XXXX XXXX  or had any relative living in the state. I told him whoever opened the account with the utility had to have used their own social security number. I told him that they did not use due diligence in investigating and that I wanted it removed from my record. That XXXX is still on my record with XXXX, XXXX XXXX and XXXX. I want them FINED for being sloppy and irresponsible! 
.
Product: Debt collection

XX/XX/XXXX I Contacted the following creditors by letters to dispute charges that were not mine, and I had no knowledge of them nor any verification. I asked for the debt to be removed. So far after the 30 days, XX/XX/XXXX I have not received any letters of verification from the following creditors and have sent another letter requesting for proper verification. The company 's have ignored my request. XXXX XXXX, sent a letter, however it was a letter stating I owe them and no verification on why. Each creditor has updated their information on my credit but all failed to send verification of why debt is owed. These collections are stopping me from buying a home. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Collection : {$2200.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX Collection : {$680.00} XXXX XXXXT XXXX XXXX XXXX XXXX, TX XXXX Collection {$220.00} XXXX XXXXI XXXX XXXX XXXX XXXX XXXX, WA XXXX {$740.00} XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX {$520.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute through Experian with the Dept of Defense. The item is nearing 7 years and I requested removal. 

On XX/XX/XXXX I received a message from Experian regarding an update to my dispute. The update was them adding a date of removal as XXXX. 

It's my understanding that the item remains 7 years from date of the last payment activity and that the consumer can not change that date. 

How can they add an incorrect removal date.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Equifax emailed me a notification that dispute results were available. Those results are false and Equifax is knowingly providing false information and reporting unverified information on my report.
Product: Mortgage

My previous complaint with first interstate bank is that they appeared to not have the successor in interest process. It appears to still be the case. I provided them with the information on XXXX and they should have responded within 30 days. Almost 4 months later they have not responded. I dont think my complaint should be closed this time until the whole process has been completed. It is clear that they continue to be in violation of the successor in interest rules and ignore to address this issue.
Product: Debt collection

I used this phone company only as a prepaid service. This debt do not belong to me.