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

Hey, my name is " XXXX XXXX XXXX '' and I have noticed on my consumer report. That I have had a bankruptcy. Which in fact, does not belong to me and need to be deleted immediately. It has impacted me deeply and has hurtled me. The consumer reporting agencies Experian, XXXX, and XXXX have violated codes 15 U.S Code 1681 s-2 " Responsibilities of furnishes '' of information to consumer reporting agencies. They have reported a bankruptcy knowingly that it's not connected to me. And I have on record, that I am not connected to this public record. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must be deleted within XXXX business days. Due to me filing my XXXX Report. This law states that if you file a police report through the XXXX, it must be removed.
Product: Consumer Loan

In XXXX 2015 I contacted Santander Consumer to review my vehicle loan account and describe my temporary financial hardship. Santander told me that they would defer my XXXX and XXXX payments until the end of the loan, and that my next payment would be due on XXXX XXXX, 2015. However, this morning ( XXXX XXXX, 2015 ) they repossessed my vehicle without warning, leaving me unable to work to generate any income.
Product: Consumer Loan

Other at fault driver hit my two week old car. I traded in damaged car. Accepted fact of damage from dealer my loss $ XXXX. I sent at fault ins company proof of loss. The dealer conspired with the insurance company and stated No damage was deducted from trade in damaged car. ( see letter from XXXX ) The insurance company refused to pay my actual loss as a result of the information supplied by the dealer..I consider this a conspericy to defraud me from my actual economic loss from the accident.
Product: Checking or savings account

Opened Virtual Wallet Checking account with PNC Bank on XX/XX/2019 and funded with a {$25.00} deposit from a checking account at another bank. PNC opened the account, processed the {$25.00} deposit. I received a letter dated XX/XX/2019 stating that my account was closed ( with no reason ) and that they will send me a check for the account balance. I called PNC and multiple reps stated that they couldn't provide the reason why account was closed and told me I would need to go to a bank branch even though there were no bank branches near XXXX. I did visit XXXX and stopped by a PNC branch ( XXXX XXXX XXXX ) on XX/XX/2019. The banker ( XXXX XXXX ) there called the back office to figure out what was happening but they were out on lunch so he promised to call me back. XXXX days later I received a call from him stating that he couldn't provide a reason why the account was locked and wouldn't be able to refund me the {$25.00} initial deposit. I tried calling customer service again and spoke with XXXX XXXX XXXX XXXX XXXX they advised me to file a dispute with my bank for the {$25.00} deposit. When I reached out to my bank, they told me that because it has been more than 30 days since PNC XXXX 'd {$25.00} from my account, they couldn't file a dispute.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 | opened a dispute against XXXX XXXX XXXX with Experian credit reporting for the incorrect balance, date of last payment, and last payment amount. XXXX XXXX claims that my latest payment was XX/XX/24 with a balance of {$470.00}. This is incorrect. My latest payment was XX/XX/24 with a balance of {$200.00}. I furnished Experian with screenshots, from the app of all of the payments that had been made from XXXX and a copy of the the billing statement of XXXX which show a payment of {$120.00}, which was made on XX/XX/24. On XX/XX/24 Experian sent me a notification that my Account Dispute had been updated. Shortly thereafter XX/XX/24 a second notification was sent to me by Experian claiming my Dispute Results was ready. There had been no change as Experian claimed for the report remained unchanged. Later on XX/XX/24 I filed a second dispute for the same exact issue, emphasizing their failure to have XXXX XXXX change anything although they had the evidence. On XX/XX/24 Experian notified me that my dispute was completed and updated. The updated information posted was that the updated information as of XX/XX/24 my latest payment was XX/XX/24 with a payment of {$120.00} with a balance of {$350.00}, ignoring the correct information that was given. On XX/XX/24 I opened a third dispute, this time giving them the current statement, from XXXX XXXX I might add, which clearly shows my latest payment was made on XX/XX/24 with a payment of {$150.00} with a current balance of {$210.00}. On XX/XX/24 Experian sent a notification that the dispute was completed and updated. The result were that nothing had changed from their investigation and that XXXX XXXX had confirmed the information that they provided. And one Experian source has that the updated information that had been posted from XXXX XXXX changed from XXXX XXXX XXXX. How is this even possible? I called Experian on XX/XX/24, spoke with XXXX where he asked if I uploaded my evidence. When I assured him that I did do so. He said that he had to find the evidence. He found my uploaded documents and I asked him to verify the that he was looking at the correct document and that the information was correct, which he answered yes. The correct information takes my credit usage on that account from XXXX XXXX XXXX XXXX XXXX to XXXX XXXX  Thats massive. But I can see that Experian has no interest in posting correct credit reports.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Update to Open/Never late 2. 15 U.S. CODE 1692e - False or misleading representations XXXX  XXXX Account Number : XXXX Update to Open/Never late 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete from my credit report. 


4. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete from my credit report. 


5. 15 U.S. CODE 1692e - False or misleading representations XXXXXXXX XXXX Account Number : XXXX Update to Open/Never late 6. there is some inaccurate information reporting XXXX  Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Bureau, received two fraudulent claims that I was late on payments and destroyed my credit score. The companies that gave these false reports are XXXX XXXX and XXXX XXXX  XXXX. I had a {$2000.00} loan with XXXX XXXX and when I made the last payment OXXXX XXXX  claimed I refinanced my loan and that I owed them {$1800.00}. XXXX XXXX could not provide one piece of evidence attesting to the refinancing of my original loan. There is a report with CFPB concerning XXXX XXXX. 
I disputed this with XXXX but they wouldn't do anything about it and drove my credit score down to below average. 
The same scenario happened with XXXX XXXX XXXX. I had charged approximately {$1400.00} dollars worth of vitamins from a company called XXXX, MD. Every payment I made the account balance remained the same and i was paying interest as if I wasn't making any payments at all. This went on for months and the amount owed on this account never went down. I complain to the CFPB and all of a sudden the balance went down to where I had only one payment remaining. XXXXXXXX XXXX XXXX contacted all three of the credit bureaus and told them I was over thirty days late on my last payment. However, all payments to XXXXXXXX XXXX XXXX were on auto-pay and the monthly statements showed auto-pay. I disputed this and I provided copies of the monthly statements to each of the credit bureaus and pointed this statement out but they did nothing other than lower my credit score.
Product: Credit reporting or other personal consumer reports

I applied for my XXXX XXXX XXXX XXXX. I received a response from XXXX that I had already received my credit report in the last 12 months. That is a false statement. XXXX stated I needed to provide proof of my address. Yet they sent the notice to that address. My address does not prove my identity which is why when you complete the request you provide name, birth date and social security number and address. 

The credit bureaus already have all the information and all that needs to be done is to verify my identity. They are refusing to provide MY credit report. 

I have also tried calling, but I just end up getting shuffled around a call tree with no results.
Product: Debt collection

This debt is not mine I requested validation of debt and the bureaus could not provide that to me I sent out letters to the collections company and they never responded to my letters.
Product: Prepaid card

I received three American Express gift cards in XX/XX/2023. I initially had trouble using all three of them. I would get an error message for online transactions or a " card declined '' message at stores. I spoke to customer service and received zero help. I was told to try again or try a different merchant. I was eventually able to make purchases with two of the cards, but at a certain point they all stopped working anywhere. The cards say " active '' on the American Express website. I have to tried to use them at grocery stores, XXXX XXXX, XXXX 's, XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX and more and they are all declined every time. Both online and in stores. I have had the same experience with other American Express gift cards in recent years. I feel like they make the cards impossible to use in hopes that the customer will give up and they will keep the money. I have unused balances of {$25.00} ( this card never worked ), {$8.00} ( out of {$300.00} ) and {$89.00} ( out of {$100.00} ). They are all non-functional.
Product: Credit card or prepaid card

I paid Capital One credit card in full on the due date ( XX/XX/2022 ). They then charged on XX/XX/2022, {$180.00} in interest fees. I called asking them to remove these fees on XX/XX/XXXX as this is double billing and my understanding a banned practice. They refused even after I threatened and closed this account after paying it in full again minus the disputed interest charges.
Product: Credit reporting or other personal consumer reports

After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, names/spelling and addresses where I have never lived. I've reached out to one company in question, which is called the XXXX XXXX. They are stating that I leased and actually lived there. However, this is inaccurate. I have been a resident at my current home since 1994, which is where I have lived since birth along with my parents. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank you.
Product: Vehicle loan or lease

I requested to receive my title when I paid it off in XX/XX/2022. They sent me a title but not the lein release. I go to the dmv and thats not the correct title and I cant do anything because they sent me a title that should of never been sent and I dont have the lein release still to this day. I called them they told me that I need a wet signature lein release and told me they will fax it. I need my title or Lein release ASAP its been 4 months and they still show they have a lein on me at the DMV. This is Hyundai motor finance
Product: Debt collection

This is a personal credit card debt owed by my late husband in the amount of {$1900.00}. He was an XXXX XXXX XXXX veteran who was solely dependent on his XXXX XXXX. When he died on XXXX, XXXX, his XXXX benefit died with him. As his widow, I informed Suntrust of his death by phone and that my husband has no money to pay for it. I was told that I had to submit a copy of death certificate and have it faxed thru the local Suntrust Bank, which I complied sometime XX/XX/XXXX. Together with the death certificate was a copy of the document signed by the XXXX XXXX XXXX stating that my husband was not receiving any XXXX pension since he is only eligible for the health care program. After that I still received a SunTrust collection letter that I ignored since I was told by the SunTrust lady banker to ignore any more letters to collect since this is a personal debt involving only my husband and  that I already submitted the proper documentations. Then just this afternoon, XX/XX/XXXX, I got a collection letter from XXXX XXXX , XXXX addressed to the Estate of my husband which he does not have. I am very much bothered with this because I myself as his widow am struggling to survive and can barely pay my bills on time. A copy of my response to this collection will be provided to you by postal mail. So I need your physical address, pls.
Product: Money transfer, virtual currency, or money service

Bank of America is not allowing EDD debit card recipients to request an emergency cash transfer while waiting for their EDD debit card to arrive.
Product: Checking or savings account

I opened an account with CitiBank 's Citigold Private Wealth group on XX/XX/2020. I used two checks to open the two accounts ( savings and checking ). 

Checking Acct # XXXX The first XXXX was drawn on a CitiBank account, for {$99000.00} drafted by XXXX XXXX XXXX XXXX, and dated XX/XX/2020, the check number was XXXX, and the routing number was XXXX. The account number was XXXX. It was addressed to myself c/o my estate and trust attorney XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Oklahoma XXXX. 

Savings Acct # XXXX The Savings Account check was from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, TX ) and is a regular oil and gas royalty check drawn on Citibank. The Check Number I did not write down. However, the routing number is XXXX. The Account XXXX is XXXX. 

On Friday, XX/XX/2020, I was provided a paper confirmation by Citibank that the funds are available in the account. However, due to an erroneous claim in an " Early Warning Systems LLC '' report, which is a private organization run by seven banks, they are giving little to no information regarding the account. They are saying it is " under review, '' and I have no access to my funds. 

I have received email prompts to read urgent alerts, but I have no access to online banking. Presently, Citibank is holding precisely {$95000.00} XXXX as a credit card payment of {$3000.00} was allowed ). However, my debit card is inactive. I can't make a withdrawal, and my funds are being held up in limbo at this present moment with no light at the end of the tunnel.
Product: Mortgage

Applied for a refinance of my primary residence on XX/XX/2016. Received an auto responder email thanking me for the application. NOTHING since that time. A couple lame emails saying they were escalating my request for info to a manager. NOTHING. I got someone on the phone today and was told that particular loan officer left the company. I 'm quite surprised that they circumvented the regulatory requirement to provide me with disclosures within 3 days after I applied. I cancelled the application as I no longer trust the service going forward. My phone call today at least got my application cancelled - I hope, as I seriously doubt I will get any confirmation via email or in writing.
Product: Credit reporting or other personal consumer reports

I filed a dispute with the credit bureaus regarding errors related to accounts from XXXX XXXX, Bank of America, XXXX XXXX XXXX XXXX XXXX XXXX. Despite my requests for documentation to verify the accuracy of these accounts, the investigations did not resolve the errors, and the derogatory marks remain on my report. These accounts are reported inaccurately, and I believe some of the balances, statuses, or ownership details are incorrect. My credit scores have been negatively impacted, with current scores as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested verification and correction of these accounts, but no satisfactory resolution has been provided
Product: Credit reporting or other personal consumer reports

This CFPB complaint is being filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the TRANSUNION Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items.

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am unable to access my Transunion account. Therefore I am being prevented from seeing my report or score. I contacted TransUnion on chat and on phone where I discussed what is going on. When they tried sending temporary new credentials to log in the account kept kicking me out and locking again this was 5 days ago. I was told by TransUnion Consumer support that they have extended the issue to the specialist department and I would be contacted by email within 24hours with instructions. Well it's been a week and I'm still locked out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act Blakely Witt & Assoc Account XXXX has violated my rights. 

15 U.SC. 1681 section 602 A, States : I have the right to privacy.

15 U.SC. 1681 section 604 A Section2 : Its also states a consumer reporting agency can not furnish a account with out my written instructions.
Product: Credit reporting or other personal consumer reports

My Payment history is all inaccurate all over Transunion report. Attached youll see documented proof of payment history on my XXXX XXXX Account XXXX XXXXXXXXbut yet my accounts show lateness when they were never late. Just recently last month XX/XX/XXXX my report shows XXXX  in XX/XX/XXXX and XXXX  in XX/XX/XXXX and a 30 day lateness in XXXX despite me making 4 large payments in the month of XXXX alone. How is this even possible? Also, they have latenesses reporting in XXXX, XXXX, XX/XX/XXXX in addition to XXXX, XXXX, XX/XX/XXXX. Ive attached the proof of payment history along with the inaccurate credit reporting info.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I reviewed my XXXX credit report, XXXX, and XXXX I discovered multiple inaccuracies, including unrecognized collection accounts and incorrect personal information, such as misspelled names, phone numbers, and wrong addresses.. Suspecting identity theft, which I previously reported to the authorities in approxiemately around the year XXXX, when I had to file my taxes. There mortages that were take out on my name, deparment of education loans When I print out my credit report from the credit bureau the credit report aren't displaying accurate information. Collections are assigned to someone else name that isn't me. I have not received any documentation proving the legitimacy of these alleged debts, which is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). The failure to provide debt validation suggests that these debts are not valid, as supported by the doctrine of estoppel by silence in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inaccuracies have caused significant stress and have impacted my ability to secure credit. Despite disputing these items with XXXX, the issues remain unresolved. I am seeking the CFPBs assistance in having these fraudulent collection accounts removed from my credit report and in correcting the personal information errors to prevent further damage. I also request that XXXX and the collection agencies comply with all legal obligations to ensure that my rights are protected