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

Agency did not provide me the consumer the following information.

The Following information is required. Please fill out the form below in its entirety.

1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful :
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act convergent account name XXXX XXXX XXXX XXXX account number 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Experian failed to send me evidence of the accounts in question XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX ( duplicate reporting ) XXXX XXXXXXXX, XXXX XXXXXXXX ( duplicate reporting ), XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX,
Product: Checking or savings account

There was fraud wire transaction on my BOA account of $ XXXX on XX/XX/XXXX. BOA denied my claim and I have faxed new evidence at the beginning of XXXX, however, they are sitting on my case and never reviewed my case. I am requesting BOA to review my case asap and return my money. Attached is the fax content.
Product: Credit card or prepaid card

i did not apply for this card and now there is a inquiry on my credit report, i believe someone stole my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report I have found numerous inaccuracies and violations. I have contacted Experian multiple times to correct these errors but to no avail, as they seem not to be conducting a proper investigation. I have sent certified letters on XX/XX/2019, XX/XX/2019 & XX/XX/2019 all of which have not been able to correct these errors. Below are the account & numerous inaccuracies along with violations ( FCRA, FDCPA ).

XXXX - Date of Last Activity is incorrect, High Credit inaccurate, Showing a Past Due on a Charge Off account. 

XXXX - High Credit incorrect, Showing a Past Due {$55.00} on a listed Collection/Charge Off account, Date of Last Activity inaccurate, Date of Last Payment is incorrect, Payment History is inaccurately reporting. 

XXXX XXXX - Showing a Past Due {$180.00} on a Collection/Charge Off account, Date of Last Activity is incorrect, Payment History is reporting inconsistently. 

It is the sole responsibility of Experian to conduct a proper investigation and report accurate information on my credit report.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted USAA several times about charges that have dated back to XX/XX/XXXX. They recently mailed new cards to the wrong address and those cards were used.
Product: Debt collection

I received a collection notice for medical work do e in XXXX texas. I have never been to the doctor or had in medical work done in XXXX, because During that time i lived in new york.
Product: Checking or savings account

From last XXXX ( XXXX ) until this XXXX ( XXXX ), I have a lot of unknown transaction from XXXX. As soon as I realized them, I filed claim but XXXX denied the case. I gave them additional documents to make them re investigate. But they denied agian the claim. 
Especially XX/XX/XXXX, there are 22 transactions from XXXX in a row. I never ever paid that much transaction from XXXX. I have a car so I ve never used XXXX before. Please help me I need your help
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an inquiry from check into cash on my Trans Union report and I never remember going into XXXX XXXX XXXX or inquiring to XXXX XXXX XXXX for a loan. I contacted the customer support email with the problem and they sent me a number to call, XXXX XXXX XXXX I called them about my problem, and they tried searching up an account with my social attached and said there was nothing coming up and there wasnt anything they could do they said to call XXXX XXXX XXXX but thats what I contacted in the first place. They gave me a number and I went straight to voicemail XXXX on a Wednesday.
Product: Debt collection

IN THIS COMPLAINT U WIIL OUT THAT ALL THREE CREDIT REPORT AGENCY REFUSING TO FIX THIS INFORMATION DATA BEACH OF TO CONSUMER ALL THREE CREDIT REPORT AGENCY ARE RESPONSIBLE FOR THERE ACTIONS FAIL TO PROTECT THESE TWO CONSUMER DATA INFORMATION ALL THREE CREDIT REPORT AGENCIES JUST MERGED BOTH PARTIES INFORMATION TO EACH OTHER CREDIT REPORT AGENCY THE OTHER COMPANY ALSO DATD BRECH MY CREDIT REPORT WITH NO AUTHORITY TO OPEN MY CREDIT REPORT THEY ALL IN DATA BEACH ME AND MY TWIN BROTHER HAVE TRY OVER AND OVER WITH ALL THE CREDIT REPORT AGENCIES THAT THIS IS MY TWIN BROTHER INFORMATION AND ACCOUNT WE BOTH SENT IN ALL DOCUMENTS IDENTITY XXXX, EXPERIAN AND XXXX SHOWING ID NUMBER DRIVE LICENSE SS NUMBER OF BOTH PARTIES WE HAVE BEEN DISPUTING THIS PROBLEM 2-3 MONTHS AND NO ACTION WAS NOT HANDLE AT ALL ALL THREE CREDIT REPORT AGENCIES FORCE THIS ON MY CREDIT REPORT AFTER ALL THIS THEY ARE SAYING THAT THEY THIS IS MY ACCOUNT I ALSO PUT IN SO MANY DISPUTE OVER AND OVER AGAIN I KEEP TELLING ALL THREE CREDIT REPORT AGENCY 'S XXXX XXXX  XXXX THEY ALL IN DATA BEACH OF PERSONAL INFORMATION XXXX XXXX  XXXX  PLACE AUTO MY TWIN BROTHER CALLED XXXX XXXX XXXX PLACE EXPLAING TO THEM ALSO HAD NO BUSINESS TO INFORMING MY TWIN BROTHER ABOUT MY NAME ACCOUNT OR ANY PERSONAL INFORMATION MY TWIN BROTHER WE HAVE THE FIRST XXXX NUMBERS ARE A SAME BUT THE LAST XXXX NUMBERS ARE SO DIFFERENT XXXX ALL THREE CREDIT REPORT AGENCIES SHOULD HAVE DONE A FULL INVESTIGATION AND XXXX XXXX XXXX PLACE DID NOT FOLLOW PROTOCOL SPECIAL DEALING WITH TWO DIFFERENT PEOPLE PERSONAL INFORMATION WAS NOT HANDLED OR PROTECTED BOTH CONSUMER DATA INFORMATION IT IS SO RECKLESS ABOUT HANDLING TWO CONSUMER
Product: Credit reporting or other personal consumer reports

The account is not reporting accurately on XXXX account XXXX and it is causing a hardship for me in getting our home. Initially, it was removed from my credit in XXXX of 2023 and all of a sudden they put it back on my credit. I contacted Experian, XXXX, and XXXX to remove and there was no help or response.
Product: Credit reporting or other personal consumer reports

date XXXX XXXX XXXX  amounts XXXX $ I have an erroneous report in my credit history, by the company XXXX XXXX XXXX, ACCOUNT XXXX LOCATED AT XXXX XXXX XXXX, XXXX XXXX, MN XXXX IN THE AMOUNT OF {$910.00} WHICH IS AFFECTING MY CREDIT HISTORY AND IN THIS AT THE MOMENT THIS ACCOUNT IN COLLECTION IS HINDERING ME FROM OBTAINING MY RIGHT TO HOUSING CREDIT. 
I DO NOT KNOW ABOUT THAT TRANSACTION, I HAVE NEVER DONE BUSINESS WITH THAT COMPANY AND THIS IS WHY I DEMAND THAT IT BE REMOVED FROM MY CREDIT BUREAU XXXX, TRANSUNION, XXXX
Product: Credit reporting or other personal consumer reports

My identify and money is constantly being took out my account fraudulently
Product: Credit card or prepaid card

Hi my name is XXXX XXXX and I 'm filling a second complaint against bank of America again I received a letter about my claim and it was denied by the bank in the amount of XXXX and it was rebilled back to me and I also received a phone called from a banker and she was unprofessional and called me too early in the morning and told me that I was denied on another claim for XXXX XXXX in the amount of XXXX and XXXX and I was rebilled twice and I never used the temp credit and I also received a rebilled for XXXX in the amount of XXXX and XXXX in the amount of XXXX and never was issued a temporary credit for those two charges and I was told that my investigation will be reopend but I have n't got my issued resolved yet and my credit score is dropping by 15 points every two weeks and I 'm not responsible for these charges my card was stolen alone with my wallet and car keys I report this to the ploice dept and call bank of America and open up a dispute in the amount of XXXX and it was denied because of the chip use and I told bank of America I never used my card at stores and they have n't done anything and leaving me responsible for the charge and I cant afford to make payments for it I called XXXX bank to put a stop payment on XXXX because I did n't authorize it that debit card was stolen as well and I got a new debit card on that on ending XXXX
Product: Consumer Loan

I contacted Wells Fargo today and they advised that I was 51 days delinquent. I was a little confused as to why. I spoke with XXXX who first advised that he was a supervisor ( I later found out that he was a lead ) and he advised me that if a partial payment is made on the account, then it is not applied towards the account and that interest accrues daily on the full amount due. I have made larger payments towards my account for some time. I want to make sure that the company is calculating the interest correctly. If they are not, I would like for them to adjust my account accordingly. Also, the person on the phone advised that he was a supervisor, when he was not. He was a lead. This is misleading.
Product: Credit reporting or other personal consumer reports

I am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g.

I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THE ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND EQUIFAX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. Below is the inaccurate information on my report. PLEASE REMOVE THEM IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and submitted all information on XXXX AND again in XXXX because the identity theft items were purchased which is against FCRA laws. As you can see in the XXXX affidavit, XXXX XXXX was listed and now in XXXX i am now faced with purchased identity theft debt. The information attached, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. It also includes violation of my consumer rights. If these Identity theft accounts were mine, I didnt give these companies the permission to report or sell any information you have on record. So because my rights and privacy is being violated. I am demanding you follow the law and remove/block any information that I have identified as being a result of identity theft. Again not later than ( 4 ) business days after the receipt of such information I have provided to you.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B ( USC 1681A ) of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Also section 605B ( USC 1681c-2 ) ( a ) Clearly states : a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

As you can see, it states from an alleged identity theft and it gives 4 items that must be submited to the credit agencies for identity theft. Not one of these items states a police report must be included. That within itself is in violation of my consumer rights. 
I am provided the following per USPS CERTIFIED MAIL : XXXX AND XXXX, XXXX, XXXX A copy of my Identity Theft Report from the FTC Report and proof of my identity. 
Completed and Notarized Identity Theft Affidavit Copy of my Identification Proof of residence Again, Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

The accounts, collections and inquiries are listed on the next page and also listed in my FTC Report and Affidavit. This is not a request for an investigation. This is Identity Theft and by If by any reason you decide not to block or remove. I will be moving forward with a lawsuit for violating my FCRA and Consumer Rights for each identity theft account listed.
Product: Credit reporting or other personal consumer reports

I have reported to upgrade LLC for the last 2 years to cease and desist any contact and they continue to send billing statements monthly when I closed this account back in 2021 after signing up with said company for only 2 months due to their bad business practices.

I do not do any business with Upgrade and I am not requesting that they cease any further soft pulls against my credit report as " permission purpose / account review '' Do not pull, view, nor attempt the offer any upgrade products or services to me Upgrade was the worst company to get rid of, they create alot of hoops and abuse customers with long wait times and multiple disconnects of calls.

I am quite surprised that this company hasn't been fined due to the way they operate.
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 u.s.c. 1681 Account XXXX... XXXXXXXX XXXX XXXX  ... Account # XXXX... XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... 15 u.s.c 1681 section 602 A. state 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 reports containing any of the adverse item of information, other than record 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 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

These accounts are not mine. The bureaus failed to verify these accounts and this is grounds for deletion. Accounts ar Debt Recovery, Act # XXXX and XXXX XXXX, Acct # XXXX. The FDCPA and FCRA was violated.
Product: Credit card

I am XXXX XXXX XXXX XXXX, and have been serving on XXXX XXXX since XXXX. I researched the Citi XXXX XXXX XXXX XXXX XXXX, and read everywhere that XXXX XXXX military members were eligible to have annual fees waived. Through several engagements with Citi 's XXXX XXXX XXXX, I've been denied coverage under both the Military Lending Act ( XXXX ) and the Servicemembers Civil Relief Act ( SCRA ). 

XXXX XX/XX/XXXX : Applied for Citi 's XXXX XXXX XXXX XXXX XXXX card. 

XXXX XX/XX/XXXX : Received and activated the card. Emailed Citi 's XXXX XXXX XXXX requesting my annual fee be waived under the XXXX. Provided information from the XXXX XXXX XXXX XXXX verifying my status as an XXXX XXXX military member. 

XXXX XX/XX/XXXX : Received response from Citi denying request to waive annual fee under XXXX. 

XXXX XX/XX/XXXX : Called Citi 's XXXX XXXX XXXX, who stated I was not eligible to be covered under XXXX and could not have annual fees waived. I asked to cancel the card. The technician transferred me to an account management member, who reviewed my case and told me that wasn't accurate. He transferred me to another XXXX XXXX XXXX member who informed me that my social security number was incorrect on the account. He corrected it and submitted XXXX requests to have my annual fee waived since I'm an XXXX XXXX military member : XXXX under XXXX, and one under the SCRA. 

XXXX XX/XX/XXXX : Received response from Citi denying second XXXX request. 

XXXX XX/XX/XXXX : Received letter from Citi denying SCRA. 

On all denial responses, Citi has stated that because the card was opened after I came on XXXX XXXX, I was not covered under either the XXXX or the SCRA.
Product: Credit reporting or other personal consumer reports

Transunion is refusing to allow me access to my account. I have been trying for over a month to access my free account so I can dispute unauthorized inquiries I found on my credit report that I ran on XX/XX/XXXX, and freeze my credit due to possible identity theft. I have tried calling and emailing. I provided the requested forms of identification to prove my identity, as well as personal financial details that only I would know. Transunion requested this information over a non-secure email and then sent an email closing my case without resovling the issue! Transunion claims they cant verify my identity and have blocked my access to my account! Yeah, they cant verify my identity, yet they mailed me a letter on XX/XX/XXXX after I applied for a job. In the meantime, Transunion is more than happy to continue sending me emails to allow me to create a paid account and charge me $ XXXX! I wasted hours on the phone trying to reach someone only to be referred back to their website that wants me to share personal infomation over social media platforms like XXXX and XXXX XXXX! It is no wonder my data has been stolen! I want access to my account so I can freeze my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Please remove the erroneous information regarding this matter and see the attached file for assistance in resolving this issue.
Product: Mortgage

My loan got sold XX/XX/2023 to RoundPoint Mortgage. Loan # XXXX. 
I received a letter XX/XX/2023 that I have a shortage on escrow amount of {$110.00}. I submitted the payment of {$110.00} on XX/XX/2023 confirmation number XXXX. 
RoundPoint Mortgage increased my monthly payment anyway, even though the shortage for escrow was paid. I have contacted Roundpoint by email and phone requesting the insurance to be removed from the escrow account and inquiring why my payment increased on the following dates : XX/XX/2023 email and phone. XX/XX/2023 phone. XX/XX/2023 email and phone. XX/XX/2023 email and phone. XX/XX/2023 email. XX/XX/2023 email. I receive an automatic email stating Acknowledgement but that's where the communication will end. Representative on the phone will tell me that the information has been noted and I will receive an email when the account will be updated. I is very unfortunate that this company has also a very bad reputation on the web with exactly the same information as described above. 
I have proof of the correspondence if needed. 

Thank you for your time. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> Chase authorized a {$30000.00} wire transfer from my business account, i did not request this wire and i have no idea who the recipient is. I also noticed on the wire request, again i did not request, that Chase let the money go with the name of a closed business account i had years ago to futher prove that i did not initiate this. i called over XXXX  times. Had to lodge XXXX separate claims as the denied the first time so did XXXX  phone interview and they denied, my claim again but said they were sorry i was out {$30000.00}. Reached out to my attorney and he sent me to you as my money was suppose to be secure with Chase but was not and they could care less. i just want my money back so i can part ways with them and let everyone on social media know how i was treated and to beware of Chase i am attaching the bank statement showing the withdrawal as well as the wire request that clearly show the incorrect account name on it. 
thank you
Product: Credit reporting or other personal consumer reports

Since XXXX, capital has been sending wrong balance to about my credit card to the credit bureaus. Every time I call about the problem I get different kind of answers and the problem is not solved. 

Example. 

My XXXX statement balance was XXXX ( zero ) dollar. XXXX week after the statement was issued, the reported a balance of {$100.00} to the credit bureau. When I called the, a representative told me that another report was sent to the bureau, the report should be updated in XXXX or 3 days. When I called again after 10 days, because there was no update, another representative told me that they don't the statement balance but the current balance on the card, this is not how it normally works. I asked to talk to a supervisor, that guy confirm that only the statement balance should be reported. the problem was not fixed for the whole month of XXXX. 
Now my XXXX statement balance is {$31.00}. It was reported correctly on XX/XX/XXXX or XXXX. But on XX/XX/XXXX, capital one reported to the credit bureaus that i owe {$990.00}. I called again, filed dispute I am still waiting for answer. that time I credit score dropped by XXXX points. While i am waiting for this to be solved, capital reported to the bureaus on XX/XX/XXXX that I owe {$1400.00}. My score drops again by XXXX point. I call capital one and XXXX again they keep telling the same things ( that this shouldn't be like this ), but nothing has changed and I continue to be the victim of their wrongdoing.