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

On or about XX/XX/2017, my husband and I visit XXXX XXXX XXXX in XXXX, Texas to purchase a vehicle. We explained to the sale man, XXXX that we only wanted to have our credit run ONCE due to going through mortgage process. The finance gentleman explained he ran our credit with XXXX XXXX. 

We have since discovered our credit was run FIVE times. Twice with the same company. We have attempted to reach the dealership to discuss but to no avail. Multiple messages have been left with the owner/general manager, XXXX and the Sales Manager, XXXX. Neither of which will respond. 

Multiple inquiries were NOT authorized for this transaction. Our credit was run with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2x XXXX XXXX XXXX XXXX Further the Finance Manager, XXXX stated the inquiry was only a SOFT inquiry. When infact, all of these inquiries are hard inquiries and effecting our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Silver card shows a balance of {$39.00} The same day it was charge and paid it off. Why is it showing a balance on my credit report. 

Acct # XXXX Statement attached
Product: Debt collection

XXXX XXXX XXXX XXXX has sent a debt that should have been paid by my insurance company to QUALITY ASSET RECOVERY in XXXX, NJ. I am not sure why there is a balance of {$1300.00}. The service dated listed is XXXX XXXX 2014. I do not remember being at the hospital and if so, it should have been paid by my insurance company. I believe this debt is not mine. I need help with this debt because it is ruining my credit.
Product: Credit card or prepaid card

I received a credit card f rom Barclays Bank that I never applied for. I contacted that bank immediately and Barclays informed me that an online credit card application was applied for using my social security number and other information. I requested further information regarding the online application, such as the source location. I then followed through with the identity theft steps outlined at IdenityTheft.gov, one of which is to send Barclays a letter requesting records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act, which I s ent on  XXXX   XXXX ,   XXXX  . Along with the letter I enclosed the following documentation : Proof of my identity : A copy of my drivers license.   Proof of my claim of identity theft : A copy of the police report about my identity theft.   A completed and signed FTC Identity Theft Report.     I request ed that Barclays provide all records relating to the fraudulent account, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Section 609 ( e ) of the Fair Credit Reporting Act states that Barclays must provide documentation of fraudulent transactions resulting from identity theft,  not later than 30 days after the date of receipt of a request from a victim. As of  XXXX   XXXX ,   XXXX  , I have had no response fr om Barclays regard ing the request for records.
Product: Bank account or service

Hello! I receive a Social Security direct deposit at Chase Bank for {$440.00} and I paid XXXX pay of {$160.00} and XXXX XXXX XXXX for {$57.00} all paid on XXXX/XXXX/2016 that left me with {$230.00}, i made a withdrawal from the ATM for a {$220.00} then that left me {$7.00} and some change, then I made a {$140.00} payment to XXXX XXXX XXXX, I knew I was going to be charged {$34.00} overdraft fee for this payment, and then I see {$34.00} overdraft fee for the {$57.00} which was paid out of my direct deposit
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of inaccurate addresses which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2013 XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2013 According to FCRA XXXX XXXX ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

" I would like to request your kind assistance in verifying account number # XXXX, associated with the creditor XXXX XXXX XXXX which appears on my Equifax credit report. I would appreciate it if you could review this information and make any necessary corrections. Thank you very much for your time and attention. ''
Product: Credit card or prepaid card

After waiting for nearly a month to receive the credit card I've been approved for, Citibank has frozen my card with an identity theft flag and has " exhausted '' all their methods of verifying it. I am now stuck as a captive customer, can not use my card and can not discuss the activity on my card because I am assumed to be an identity thief. 

I've tried to amicably resolve this issue with my credit card issuer, but the only alternative to their verification is to send a letter through the mail and have me call them back with the code. I have waited multiple days for this letter to arrive, have asked them to provide a tracking number or to re-send and expedite it but to no avail. Citi has given me the explanation that as a business, they can not do that. 

This situation has caused me enormous grief and can not understand why I am assumed to be a criminal by my card issuer. 

Please help me resolve this issue with my card issuer!
Product: Debt collection

XXXX Chase tax form 1099 -G indicating my husband, XXXX XXXX XXXX who is deceased ) made a loan from Chase Bank XXXX XX/XX/XXXX in the amount of {$7600.00}. 
XXXX HAS BEEN DECEASED SINCE XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I paid the balance of the card in advance of the due date, yet I was still charged Interest on the balance after the cycle closed. I called the bank 's customer service and the claim the charge is valid and will remain on the account. I asked to speak with the supervisor who again asserted the change is valid and refused to credit it back to me. at which point she closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted TransUnion on XX/XX/XXXX regarding the inaccurate reporting of inquiries/Fradulent as I am a victim of the TU inquiry issue that re-reports old inquiries previously removed. Customer service rep declined to assist in removal of inquiries not submitted by me and disconnected the line without reason. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX  ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX   XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX  ) XXXX  XX/XX/XXXX Account Paid in full/closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX CH. XXXX BANKRUPTSY XXXX  FED COURT-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2017 my Paypal account was limited by PayPal and I have been unable to withdraw my {$360.00} balance to my checking account. I tried to resolve the issue but have been unsuccessful.
Product: Credit reporting or other personal consumer reports

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to Equifax and XXXX requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt.
Product: Checking or savings account

This is my second time making a complaint about Bank Of America. 

Can someone look at the previous complaint it is all the same exact informtion. Today a Bank of America associate called me about my case stating that it was imnpossible for me to be in the situation that I am in. She adivised me that my story was not authentic. She kept referring to things that happen in the past and not that occured on the exact day and time that this incident took place. I would like some one to look thru my case and actually resolved this matter instead of just skimming thru this case. 

PREVIOUS CASE COMPLAINT ID XXXX
Product: Money transfer, virtual currency, or money service

I am reaching out with regards to CashApp. I was defrauded on XX/XX/XXXX of {$4000.00}. Cashapp stated that they will investigate the issue and see what can be done. 
They refused to go after or prosecute the people who took my money and stated that I gave the defrauders access to my account based on my transaction history, when I clearly let them know that this was not the case. 
That was their resolution. They immediately closed the case after that without trying to help me recover the funds that were stolen. 

The ticket number with Cashapp was XXXX
Product: Credit card or prepaid card

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
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. 

XXXXXXXX XXXX XXXX XXXX  XXXX I looked at my Equifax credit report on XX/XX/year> and notice some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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

INFORMATION IN RED DOES NOT BELONG TO ME. REMOVE IT IMMEDIATELY.
Product: Consumer Loan

On XXXX XXXX 2015 I successfully refinanced my Auto loan from Exeter Finance Corp to a XXXX XXXX XXXX. On XXXX XXXX 2015 they ( Exeter ) 'cleared ' that there was an overage amount of {$490.00} that was due to me. Exeter stated that it would take 30-45 days for the overage check to be issued and sent to me. Exeter stated that on XXXX XXXX they had sent the overage check. After a period of approximately 7-10 business days, I had still not received the check. This is a beyond reasonable time frame for standard ground mail to travel from XXXX, XXXX ( Exeter 's location ) to XXXX, XXXX ( my location ). I made contact with Exeter on XXXX XXXX 2015 and stated that I had been more than patient in waiting for my money and arranged for the previous check to have a 'stop-payment ' issued in order for Exeter to issue me an ACH/Direct Deposit of the funds directly to my bank account. I called again on the XXXX, then the XXXX to check on the status and see if my direct deposit had been issued. Exeter stated they were still waiting on the bank to verify they could 'stop payment ' of the initial paper check. I continued to wait and then called again on the XXXX of XXXX to check the status of the direct deposit. Much to my shock and irritation, they still had no new information to give me. I called again on the XXXX of XXXX to try and illicit a response regarding this issue. Exeter informed me that a second paper-check was mailed out on the XXXX, despite what we had agreed upon and specifically noted on my account on XXXX XXXX. I continued to wait and on XXXX XXXX I called again very frustrated that I had still not received either the initial check which had a stop payment issued nor the second check which was sent on XXXX XXXX. I was blown off with a response that said there was nothing they could do once the check was mailed and that it would ( again ) take 7-10 days for the check to arrive. It is now XXXX XXXX, over 2 months since I paid the account in full and have still not received my money.
Product: Credit reporting or other personal consumer reports

I ask Experian for the 5 time to investigate XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX they fail to provide me with proof of documentation of 60 days being late they violated the fair credit bill act by not sending me my statement 21 days before the grace period they didnt show me proof I was ever late to support their false reporting on my account also XXXX  is reporting XX/XX/XXXX paid on time in never late I have proof down below circle showing I was never late Please remove 60 days late on XX/XX/XXXX payment update to paid on time never late they not doin they job they also violated my rights I didnt give them written instructions to furnish this on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information, allowing for a massive data leak. This puts myself and millions of others at risk. As per their website, XXXX, I 'm listed as a potential victim and would like to see a resolution. 

Their abhorrent behaviors of selling off stocks before disclosing the leak are indications to many that they lack remorse for their actions.
Product: Credit reporting or other personal consumer reports

I looked at my report back in XXXX of XXXX then again in XXXX of XXXX and noticed somethings are incomplete and not accurate and are from a result of identity theft. I have reached out to the creditors and bureaus to advise that they remove and block this information. They have failed to send any original contracts or documents linking the accounts to me and have now failed to remove from and block this information from my reports. This is multiple violation of my rights under the FCRA and I am demanding this information be removed and blocked from reporting. 

Account : XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, {$15000.00} open date is not reporting correctly, date last active and the high balance is reported differently across all 3 reports XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX Here are my tracking numbers : XXXX, XXXX, XXXX PLEASE LOOK INTO THIS MATTER
Product: Credit reporting or other personal consumer reports

Last year, I submitted a dispute to XXXX XXXX regarding the inaccurate Bankruptcy reporting to my consumer report. 

I asked them to verify the furnisher who reported this information on me. 

They confirmed they received the information from XXXX. 

I then reached out to XXXX to confirm how they received this information and how they verified it was accurate. 

I also reached out to the court listed to ask if they provided this information to XXXX or XXXX XXXX. 

The court confirmed they do not provide any information directly to consumer reporting agencies or XXXX. They also said they do not verify the accuracy of information being reported. 

XXXX is not the entity who can verify this information being reported accurately. Because they are not the original source of this information. Only the court can do that. 

Since the court has confirmed that they did not provide this information to XXXX XXXX. They also confirmed they did not verify any information with XXXX XXXX. 

When I reached out to dispute this information, XXXX XXXX completed their re-investigation and responded back saying this information has been verified. 

Since the court ( the original data furnisher of this type of information ) did not furnish this information to XXXX XXXX nor verify this information. 

I need this inaccurate bankruptcy removed from my consumer report, it is reporting falsely and tarnishing my credit.