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

I noticed that 3 inquiries from XXXX to XXXX for XXXX XXXX have opened accounts for credit cards that I dont have and never got approved for with my knowledge. As well as a XXXX DT Credit which I dont know what or who that is either. If someone could please help me figure out whats going on with my account.
Product: Credit card or prepaid card

I purchased the bluebird card and loaded a {$190.00} on XX/XX/XXXX. 
I tried to use after I bought it and couldn't, so I went back to XXXX and spoke to a supervisor and store manager and they said it had to be on your end. 
Because my receipt showed it had been scanned upon purchase and loading the {$190.00}, that I had to call Bluebird/American Express. 
Bluebird shows it's an invalid card ( was not scanned appropriately ). 

I have called at least 40 times and I have spoken to 8 or 9 supervisors and also spoke to XXXX in prepaid resolution dept and his supervisor. I was given an email address to forward documents for resolution and would get something in the mail within 5 to 7 days. 
Because the 3 fax numbers that had been given to me, I was continuously told they didn't receive my documents. 
After emailing on XX/XX/XXXX to XXXX I called back 2 hours and verified docs were received and spoke to XXXX supervisor and was told they had to forward documents on to the group that handles my type of complaint with the card. 
I emailed documents on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX. 
I asked for an update and to no avail. 

I'm still waiting, no update or communications.
Product: Mortgage

Paper dated XXXX/XXXX/XXXX shows Chase did not pay my land taxes, although they took out the money, via my escrow account. The XXXX XXXX XXXX statement shows they paid the taxes the years they had the loan. I had to pay XXXX taxes myself, that 's when I found out Chase had not paid XXXX taxes either, this was about the time Chase sold my loan to XXXX XXXX. Now Chase will not reimburse the over XXXX dollars I wrote a check for on my XXXX taxes, or any money I paid to them on my XXXX taxes. Now XXXX XXXX has caught up my taxes to secure the loan resulting in my house payment increasing. I have included all paperwork to support this.
Product: Debt collection

After carefully going through my latest credit report, I found multiple accounts that seem to have been added fraudulently and without my knowledge.
Product: Student loan

I was giving a forbearance and my loans were paid off and then XXXX Aidvantage student loan place said they bought my loans and now I had to pay them when my loans were paid for. Now they got my loan start dates on days and years I was never in school at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit industry standard is that hard inquiries stay on the credit report for up to two years ( 24 months ). Experian had decided to not purge or delete hard inquiries until 25 months. For example, a hard inquiry that reaches age two years on XX/XX/XXXX should be deleted on XX/XX/XXXX not XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complait to you today to follow up the previous CFPB complaints that I have been submiting to fomplain regarding the removal of the fraudulent accounts and information from my Credit Report. On XX/XX/XXXX, I sent a letter addressed to the Credit reporting Agencies to remove the disuted accounts and information completely from my Credit Report in accordance with the FCRA section 605b. The Letter I sent was already my sixteenth ( 16th ) Dispute letter I have been sending. But despite all the letters and efforts I excert, the Credit Reporting Agencies grew ignorant of their duty and chose to neglect their responsibility with the FCRA section 605b. This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. I have read enough to uinderstand my rights which is clearl beoing violated by the Credit Reporting Agencies. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/2012 XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Today ( XX/XX/22 ) my husband and I tried to buy a ring at XXXX. Wells Fargo declined the transaction 4 times even though our account is in good standing. The system texted us letting us know of the suspicious activity, we called the number they included in the text, they called us back and verified that we were the ones making the purchase. After this, Wells Fargo STILL wouldn't approve the purchase another 2 attempts. 
We were completely mortified. 
We went to the bank closest to figure out what's going on and the personal banker we spoke to said that the bank declines certain retailers because of high instances of fraud. 
It doesn't matter. All that should have been cleared up after we verified our identity TWICE at the store. 
We pay this bank between 18-25 % interest and pay our bill on time every month, they have no right to decline ANY transactions.
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. 
XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX 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 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: Money transfer, virtual currency, or money service

Cash app takes money without any trace of it. 
It should be common sense that if I start with {$100.00} in a time frame and spend {$10.00}, {$22.00} and {$7.00} then I should minimally still have ( with or without fees ) {$61.00} dollars unless fees are associated. Fees cost {$2.00} per transaction. That would be {$7.00} in total fees. There should be a minimal balance of {$53.00}. However, on several occasions I get a text stating I made a Purchase for X amount not once or twice but three consecutive messages stating I made a purchase. My ending balance will be {$1.00}. Once, it was actually closer to accurate at {$15.00}. Where, how does that add up. It doesn't, and never does.
Product: Credit reporting or other personal consumer reports

I am no longer a consumer of this company and I owe no debts to them. There should not be damages on my credit report as it is a deformation of my character and I did not give this company written permission to report anything using my personal information. There is no permissible purpose for this company to cause negative damages to my credit report. This is a violation of my rights to privacy. 15 U.S.C 1666B states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I made an overpayment to my Bank of America Account. The amount was supposed to be {$2000.00} but i made it for {$20000.00}. I tried to stop this payment when i realized the mistake and was told by Bank of America that i could not stop it and had to wait until the payment cleared and then request a credit. My account was adjusted ( debited ) on XX/XX/XXXX for a credit back to my original form of payment, and I still do not have this money back into my XXXX XXXX XXXX. 

I have been following up on this every day since XX/XX/XXXX and being told many inconsistent policies by Customer Service and inconsistent dates for when I will have my credit back. 

I was originally told it would take between 5-7 days after I request the credit to receive the money back.

After the 7 days passed, I was told it was 30 days and was told no one should have ever told me 5-7 days. ( At this time i started documenting the days i was calling and what i was being told ). 
Then on XX/XX/XXXX I was told it would be about 2 weeks from that date. 
Then on XX/XX/XXXX I was told I would have it in my account on XX/XX/XXXX. 
Then on XX/XX/XXXX I was told I would have it on XX/XX/XXXX. 
Then on XX/XX/XXXX I was told it was pushed out for review again until XX/XX/XXXX. 
It seems like every time I called it was being pushed out, at least that's what I kept being told. 

I finally reached out to the Corporate team after that and it is now XX/XX/XXXX and I still do not have my money and no one can give me a concrete answer of where my money is and why it has not been credited back to my original account. All I keep being told now is that it is being reviewed by the review department, but no one can contact that department and see exactly where the hold up is. I am beyond outraged that my money is being reviewed for some reason for a decision on wether I am getting it back or not? 

I am beyond stressed and upset about how many phone calls I have had to make so far, calling every day, being on the phone for at least XXXX hour each time, sometimes with 3 Representatives per day and without any resolution. At this point I feel that I am being lied to by everyone at Bank of America that I have talked to, and I need my money back and have no clue of how to get it back. I have followed all their processes.
Product: Credit reporting, credit repair services, 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. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax credit information hack. it is unacceptable that I have to PAY to freeze my credit when I did not consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Product: Checking or savings account

I opened a bank account with Truist Bank in XXXX. I was promised a {$400.00} checking bonus for opening the account. I never received my bonus. I met the requirements by receiving direct deposits for 2 months. The information said that I would receive the bonus within 2 months of completing the requirements. By the time XXXX arrived, I realized I hadnt received the funds. I gave an extra month and contacted my local Truist bank in the beginning of XXXX. They said they would call back the next day with answers. They did not. I called customer support to try and fix my problem. They said that they had no bonus showing on my account and that when my account was created I didnt sign up for the offer ( which is not true ). They said it would take 25 business days to resolve and look into the issue. It has been far over that and I called them a second time this past week. They said that there is no actual date on how long it will take. I asked if I could speak to someone in promotions directly or someone else that can help and the agent said that there is no one I can talk to. No one can help. I have to wait an indefinite amount of time and they will address my situation when they have time ( I began this in XXXX and should have had the money by XXXX. ) They are withholding my bonus and will not speak with me or give me help.
Product: Credit reporting

on or about XXXX XXXX, 2016, I disputed incorrect information my credit report, such as incorrect names, dates of birth, address and collection accounts specifically - XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX Account number # XXXX and XXXX XXXX XXXX XXXX acc # XXXX. however on conformation number XXXX XXXX XXXX XXXX has been removed but I have not received conformation statement that it has been deleted but have received conformation # XXXX that XXXX XXXX XXXX has been. further the XXXX XXXX XXXX XXXX accounts XXXX showed paid in full and the other showed collection which is confusing to me as the consumer and incorrect Equifax deleted the account in good standing but the collection account remains however both are over 7 years old, I also attached proof that I won a settlement from XXXX for reporting incorrect collection accounts on my credit file to Equifax.
Product: Debt collection

I cancelled serve and paid my bill, also I have returned the equipment they are charging me fore. when I called to cancel I was told because they could not get me service at my new address there would not be any extra chargers just my last months bill. I have called numerous times and they keep on giving me new excuse. please remove this charge of my credit report
Product: Debt collection

They are reporting this medical debt for an emergency room that is not my name nor my social. They added this to my credit report and this is a collection on my credit file and the only one I have ever had. I called them to ask how and why they are doing this and they are telling me I signed to pay someone medical bills which is not true. I have never been to the emergency room.
Product: Mortgage

When filing bankruptcy, Shellpoint gave in their " Mortgage Proof of Claim Attachment '' ( uploaded as attachment ) and added escrow shortage twice. Please refer to attachment and look under " Part 2 : Total Debt Calculation '' and find escrow shortage added to mortgage of {$37000.00}. In attachment look at " Part 3 : Arrearage as of Date of the Petition '' and see {$37000.00} added to arrearage. {$37000.00} was paid twice through bankruptcy. Shellpoint collected {$37000.00} twice. Therefore, for accounting purposes by U.S. law, Shellpoint is hereby requested to add + {$37000.00} to escrow account for collecting twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT ALSO WAS IN THE EQUINOX DATA BREACH I HAVE BEEN GOING OVER THESE ISSUES FOR MONTHS NOW IN REGARDS TO FRAUDULENT THINGS REPORTING ON MY CREDIT SERVAL TIMES AT LEAST EVERY MONTH THIS YEAR OF 2019 I HAVE TRIED TO HAVE THIS ON GOING ISSUE RESOLVED.
Product: Checking or savings account

I had Wells Fargo and money was took out my account theny account was closed without me receiving my funds back
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I was in a middle of a XXXX  game. After the game ended, I check my phone and seen that a transaction had been made on my account. I immediately called my bank to resolve the issue but they kept directing me to another department. At one point they had me on hold for over an hour, meanwhile the transaction had been finalized. I called before it finalized to avoid this mess but it didnt work. Then they kept distributing me to departments telling me that the bank couldnt do anything for it had been made through XXXX. So I called them but when I did, they directed me back to my bank to finally to make a fraud claim. So I cooperated and then called a few days later to check on it. They said that it was through my phone and Face ID but I dont know how if I didnt even have my phone. They then said they couldnt do anything about it and left it at that. So then I called again a few days later to try to resolve it because I lost money without my consent but it was no help.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- XXXX XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Debt collection

I had several XXXX pulled earlier this year by Doctor XXXX XXXX & XXXX/XXXX, PA. My husband help paid this off directly with the XXXX PA Office and ALL IN CASH PERSONALY. The debt collector sated the bill has not been paid on or paid off withing the past 6 to 7 months. The total was paid directly with the XXXX  office and the collector stated they wanted the full amount paid in full. I hung up went they started to get loud and obnoxious. The number that called XXXX.
Product: Money transfer, virtual currency, or money service

The bank is claiming there was a fraudulent and scam check in my account, I do not hold any responsibility about this money.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report, specifically regarding the account XXXX XXXX XXXXXXXX as reported. This request is made in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information.

I recently reviewed my credit report and noticed inaccurate information related to this account. The inaccuracies include discrepancies in the account status, balance, and payment history. These errors are adversely affecting my credit report and financial standing. I request that you reinvestigate the completeness and accuracy of every piece of information related to this account. If any information is found to be inaccurate, I ask that it be promptly removed from my credit report. According to 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be deleted from my credit report. Additionally, under 15 U.S. Code 1681e ( b ), I ask that you ensure all procedures followed in including this information are reasonable and guarantee maximum accuracy. 

Please send me the results of your investigation and an updated credit report reflecting any changes via mail once it is complete. I appreciate your time and attention to this matter and look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a dispute with Experian requesting the removal of an account from my credit report. I provided a ** '' Cancellation of Debt '' ** form issued by the original creditor, with the **1099-C form dated XXXX. The debt was classified as a **charged-off account**, and I inquired whether Experian would remove it from my file. After conducting an " investigation, '' Experian responded just **four days later, on XX/XX/XXXX, XXXX, merely " updating '' the information without making any actual changes. Despite the documentation provided, they did not remove the account from my report.