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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been deputing XXXX accounts from XXXX XXXX XXXX on Equifax for the last six months. It has been removed twice and then gets put back on within a month or 2. Tried to call and get them to correct but act like they ca n't understand what I 'm saying and have to repeat several times and get no where. I have attempted 3 times since it showed back up to get it redeleted and nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is " XXXX XXXX ". I have been trying to report inaccurate items in my credit report over past year and more often recently. However, none of my request are fulfilled. 
**Hard inquiries** XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX This charge off account is not mine, Please delete it!! 
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX I have never receive any credit from this company, provide me full document or delete it!!! 
XXXX XXXX XXXX XXXX : XX/XX/XXXX. XXXX, XXXX This charge off account is unauthorized and date furnisher provided has violated Metro 2 reporting compliance by not reporting dispute status and incorrect and inconsistent Account Number. Provide me full document. I demand report of full reinvestigation procedure in the regulation time frame of 30 days. 
_XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX THIS ISN'T MINE, DELETE IT!!! 
_XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING dispute status. 
XXXXXXXX XXXX ONLY Inquiry : XXXX. XXXX, XXXX This account is mine, DELETE IT!! 1 _XXXX  Inquiry : XXXX XXXX, XXXX THIS CHARGE OFF ACCOUNT IS NOT MINE, PLEASE DELETE IT!!! 
_XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is not mine, delete it!!! 
XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX I have never worked with this company, this account are inaccurate, delete it!!! 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is not belong to be, i never receipt any credit from this company, DELETE IT!!! 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is not mine, delete it!!! 
_XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is not mine, There are several account like this in my credit report. The credit bureau might intentionally put them in my report. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX This charge off account is not mine, provide me full documentation proofs that i am wrong or delete immediately!!! 
_XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is not mine, DELETE IT!!! 
**Collection** _XXXX XXXX XXXX Reported XXXX XX/XX/XXXX I never received any loans or credit from this company. DELETE IT!!! 
XXXX XXXX XXXX XXXX : XX/XX/XXXX I never received any loans or credit from this company. Delete it or provide me full information and proofs that you has follow all the FCRA laws. 
_XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX THIS ISN'T MINE. DELETE IT!!!
Product: Money transfer, virtual currency, or money service

I have a checking account with Bank of America for years. I was frauded by a company called on XX/XX/XXXX pretending to be XXXX XXXX XXXX and asking for payment before they shut down my services in XXXX minutes. They seemed to have information about my XXXX XXXX XXXX as I haven't been making payments for the past few months of shutdown due to hardship but haven't also received any mail notices. 

They asked me to make a transfer from my account at Bank Of America with a feature called XXXX which they can receive their payment so that they would stop shutting down my services. They took two different payments of {$190.00}, and then another for {$490.00} as that was the full amount they were looking for and not the partial payment of {$190.00} I tried to pay first. They told me they will issue a refund on the {$190.00} they couldn't accept and needed full payment of {$490.00}. Once they collected the full amount, they said they have systems issues and have to wait till Monday XX/XX/XXXX to issue refund. I called them and all their voice messaging systems were excatly as XXXX & XXXX and trusted that this was XXXX & XXXX. But when I tried to call them on XX/XX/XXXX, I realized that there was something wrong as they wouldn't want to issue a refund. 

I checked back and found other 800 numbers for XXXX & XXXX and they told me that they haven't received any payments and realized I was frauded. I called Bank of America to report this fraud transaction and they started the claim but they wouldn't issue a refund back to me stating that this was my responsiblity to transfer cash to this party. They admitted that they have recent fraud transactions with XXXX but kept indicating that they have notified part of setup that it should be used for only freinds and family but this is not consistent with all the big content they have within the process flow when entering the amount to transfer and indicating this is a safe and secure transactions. I called them back again and they said the other party Bank was XXXX and they will need to ask for persmission from their part who received the money to issue a refund. In the meantime, FTC has caught these people on XX/XX/XXXX and put a message when calling this number at XXXX that this number is a fraud and scam and to report to your financial bank for protection of transactions. 

Bank Of America is not offering to return my money back as of now and they are indicating that if the other bank and people who got the money has no fund, I won't be receiving my money. This is unacceptable by Bank of America and XXXX not to place any types of pretection against these kind of scan and fraud and if it wasn't for this feature of XXXX within their system I wouldn't be that easily trusted that I was protected with this transaction. They should remove this XXXX immediately and return my money back. You need to file a class action law suite against BoA and XXXX for having such money transfer features with no consumer protections against scam and being frauded. 

Please try to resolve this asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several hard inquiries on my credit file that significantly impact my score that I did not authorize. Here is a list of the inquiries and dates : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXc XX/XX/XXXX
Product: Debt collection

I am currently paying this debt and have made payments HOWEVER after taking money from me they placed on my credit for the whole amount after telling me they would not if I paid. They lied to collect a debt which is illegal.
Product: Checking or savings account

i closed an account in XXXX apx with wells fargo they promised me a closing statment thirty days after and i never got it today i called cust service and because i could not remember my username for the online account she refused to help me. i gave her my ssn and everything else. XXXX was her name. tel XXXX XXXX XXXX. 
XXXX XXXX put a refund on my card ending in XXXX i told XXXX XXXX not to do this but they did it anyway i told them the account was closed they said it would kick back and at that time they could give me my refund well it never kicked back so wells fargo has it the transcation was doneXX/XX/XXXX and the amt was XXXX so, i am filing a compliant XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Ive called CAP one about this and got nothing but LIES and justifications which are NOT true. 
As of XXXX I had a +  balance ( that the bank OWED ME... this is MY MONEY not credit ... of XXXX XXXX ) I did a charge on XXXX of XXXX XXXX for some food gift cards. 
I told a XXXX at XXXX XXXX, to dispute the charge she also refused which is illegal. 
she claimed it was a cash advance ( it wasnt it was for PHYSICAL GOODS )... but that doesnt matter you CAN NOT CHARGE ME A FEE ON MY OWN XXXX MONEY ... this is PURE XXXX and a SCAM ... another way for XXXX XXXX to RIP PEOPLE OFF!!!! 
CAPITAL ONE charged me a FEE of {$10.00} for a CASH ADVANCE ( on my own money!!! ) this is a blatant FRAUD from CAP one ) ... its MY MONEY ... this {$46.00} was NOT from my CREDIT LIMIT and it was NOT DRAWN from my credit line... plain and simple ... it WAS MY MONEY ... and the XXXX CREDIT CARD of CAP one is trying to charge me a FEE on my money!!!!! 
One XXXX rep tried to say that the {$42.00} charge from XXXX comes from my credit line... NOT TRUE if that was true it would show my credit line used {$42.00} and I would have a balance still of my {$46.00}. 
I want the {$10.00} SCAM RIP OFF FEE the XXXX one is trying to charge me reversed ( as its a SCAM you can not charge me a CASH ADVANCE FEE on my OWN XXXX MOENY!!!! ) its MY MONEY. 
And once that is done I want the balance of the XXXX  XXXX mailed to me and both credit cards closed, as I refuse to do business with XXXX. 
Also filing this complaint with the XXXX ( Virginia cap 1 headquarters ) and CFPB ( https : //www.consumerfinance.gov/complaint/ )
Product: Credit reporting or other personal consumer reports

I am requesting assistance from the CFPB concerning the violation of my rights as a consumer. I was a victim of ID theft, I noticed the credit bureaus of the fraudulent account and inquiries posted on my credit report that needs to be blocked and removed immediately per federal law FCRA fair credit act section 609 and section 609 ; also federal law 15 U.S.C 1681 C-2. I have provided copies of official police report and Federal trade commission Idenitity theft affidavit along with my social security card Drivers license and utility bill. The following information I am demanding be blocked and removed immediately per federal law : FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$6900.00}. 

Fraudulent INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I request an update to remove these late payment remarks and reflect a positive payment status, as I have never been late.
Product: Credit card or prepaid card

Dear Bank of America ; Im a little confused after I review my credit report earlier. COVID19 and you still ruin your clients credit? Wasnt there a special accommodation set in place for this not to happen when I called? Listen, I was protected under Mr. Trump Cares Act and i've called you guys before to make proper accommodations because of the COVID19 pandemic. 

Basically, I was reviewing my credit report and noticed a late payment reported on my credit report by your company. I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditors can not report payments as past due, and make proper accommodations to consumers. 

Also, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and notice that you deducted the money out of my checking account on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for the past several months to get Equifax to remove inaccurate information from my credit report. They have asked me to send them several items, such as copies of my Social Security card, drivers license and W-2 form, and I have sent them these items multiple time, both by postal mail and by email, but they refuse to correct the information. I have filed several disputes with them. Some have been corrected but there are 2 disputes that keep coming back as " open '' or active ''.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have 2 hard inquires on my credit report that I did not authorize and I would like them removed immediately.
Product: Money transfer, virtual currency, or money service

I purchased digital currency from Coinbase.com on XX/XX/XXXX/XX/XX/XXXX respectively. They have taken my money ( {$1400.00} ) but have not issued said currency ( Ethereum ).
Product: Mortgage

I have recently filed complaint # XXXX, after bankruptcy ended XX/XX/XXXX. I am contacted on XX/XX/XXXX, 3 weeks before closing on XX/XX/XXXX, by Rep XXXX who ask me for {$44000.00} I owe Ditech. She is unable to tell me why I owe them {$44000.00} but she will research it. On Monday XX/XX/XXXX I receive paperwork claiming i have a past due balance of {$44000.00} with no explanation of how. I contact XXXX at Ditech who explains I have a modification which I fax an approval letter from Green Tree to Ditech. I call up on XX/XX/XXXX and they confirm they have received the authorization letter for CFPB to contact them on my behalf, and all the paperwork from the bankruptcy and the modification approval letter from Green Tree. Now, on XX/XX/XXXX I receive a certified letter they have not received payments of {$1300.00} and I owe {$48000.00}. I still have never received reason why I owe this money. This is a case of Predator Lending it started with XXXX XXXX ( RESCINDED FORECLOSURE SALE ) Green Tree ( APPROVAL MODIFICATION LETTER ) Ditech ( INACCURATE INFORMATION REGARDING ACCOUNT $ XXXX/ $  XXXX/ {$48000.00} NO EXPLANATION )
Product: Checking or savings account

I have waited 30 days or more to be refunded monies due or several occasions not being refunded at all. There is never a live person to speak with to address these issues so they go unattended. The online people dont are and always give the same answers. Ask for supervisor to no avail
Product: Checking or savings account

On or about XX/XX/2020, Discover Bank opened a money market account in my name. I did not instruct them to do so. I have asked a manager at Discover Banks XXXX Customer Service group to contact me via phone to discuss this issue, but she has not done so. She ( XXXX ) told me via email on XX/XX/XXXX that she considers the matter addressed since the account has now been closed ; however, I dont believe the situation has been adequately investigated and reported to the appropriate regulatory bodies. This is an account that I did not request, and should therefore raise some level of alarm within and outside of Discover Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX MY PERSONAL INFORMATION WAS STOLEN WHILE I WAS IN A XXXX XXXX XXXX XXXX  IN XXXX MI DUE TO AN INJURY. SHORTLY AFTER I LEFT THAT PROGRAM I BEGIN TO RECEIVE LETTERS IN THE MAIL AT MY OFFICIAL RESIDENCE FROM CREDIT COMPANIES DENYING OR APPROVING ME FOR CREDIT THAT I DID NOT APPLY FOR, I REPORTED IT TO THE SECRETARY OF STATE AND THE POLICE. ON XX/XX/XXXX I APPLIED FOR CREDIT AND WAS DENIED DUE TO XXXX XXXX XXXX ON MY CREDIT PROFILE, ( XXXX XXXX XXXX XXXX {$300.00} ACCT # XXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} ACCT # XXXX ) SO I CONTACTED THESE DEBTORS AND THEY SAID I OWE THEM FOR EQUIPMENT ORDERED ONLINE AND DELIVERED TO THE XXXX XXXX XXXX ADDRESS IN XXXX MI, BUT I DID NOT ORDER OR NEED ANY MEDICAL SERVICES OR EQUIPMENT AND I DID NOT LIVE AT THE ADDRESS WHERE THE EQUIPMENT WAS SAID TO HAD BEEN DELIVERED. MY SON TOOK ME TO THE XXXX POLICE STATION TO REPORT THE INCIDENT, OFFICER XXXX SUGGESTED THAT I SEND THE POLICE REPORT TO THE DEBTORS AND THE CREDIT AGENCIES SO I DID BUT THE DEBTORS TOLD ME IT WAS STILL NOTHING THEY COULD DO EVEN AFTER RECEIVING THE POLICE REPORT FAXED BY OFFICER XXXX HIMSELF. I MAILED COPIES TO THE CREDIT AGENCIES BUT THEY HAD MULTIPLE ADDRESSES SO I DONT KNOW IF IT GOT TO THE RIGHT PLACE, I CANT GET NO ONE ON THE PHONE FROM THOSE AGENCIES ITS VERY HARD AND NOW I AM STUCK WITH NO HELP
Product: Mortgage

XXXX XXXX XXXX : Griffin Funding should be made aware that XXXX XXXX was not licensed to be an originator on our loan in the state of Oklahoma. On our loan paperwork, she is very clearly listed as the originator on our loan when the NMLS website does not have Oklahoma as a state where she can perform those tasks. We ended up terminating the loan due to a number of reasons to include our inability to secure financing before closing and for the main reason being that we didnt feel comfortable with XXXX not being licensed to give us the loan for Oklahoma XXXX We had been skeptical throughout the entire process and this was icing on the cake. Im glad we chose to not go through with this loan because we have no idea what would have happened if the CFPB found out this information when we had the loan. Would we have an illegal loan? Would we get in trouble for not having a legit loan? Would we lose the house? 

She was also extremely hard to contact at all times. She would rarely answer her phone, text, or email. There was times where it took 3-4 days to hear back from her. Our buyers agent also had a very difficult time contacting her. A lender should be more responsive especially when we are needing quick and timely updates or modified loan terms. This made for a very difficult loan process and very frustrated sellers.
Product: Credit card

Somebody tried to open a credit card in my name that I did not authorize for JPMCB. This is the second time in almost two years that Ive had this happen with the same company
Product: Credit reporting or other personal consumer reports

A fair solution is to delete the false inaccurate information of Bankruptcy # XXXX Immediately!! FCRA rule # XXXX!!!! 
15-USC-6802, 15-USC 1681A2B Good Day XXXX XXXX XXXX have contacted Transunion several times !!! I am demanding immediate deletion of this inaccurate information!!! I have demanded they remove this bankruptcy information!! Its either an error or a lie!! I have also contacted Nevada Bankruptcy court which stated verbatim!! They do not provide nor verify bankruptcy information!! Therefore according to FCRA Transunion is in direct violation : 15-USC 1681 , 15-USC 1681 ( section 602 ) A, 15-USC 1681 ( section 604 ) 15-USC 1681-C, I have contacted Nevada Bankruptcy Court who confirmed this is a record of direct violation of Transunion as they do not verify!! This is NOT my bankruptcy, Transunion illegally placed this on my consumer report!! XXXX XXXX also confirmed this is NOT my bankruptcy!! I repeat I am demanding that Transunion immediately delete Bankruptcy # XXXX!! and Bankruptcy # XXXX!! You cant even legally file that close together so its an error or a lie This is not my bankruptcy!!! Nevada Bankruptcy Court also stated they did not verify this to Transunion therefore this information is an error or a lie either way this is inaccurate information and I am demanding that Transunion immediately removes this off of my consumer report!! ASAP!!!! This inaccurate information does not comply with the FCRA and the information must be deleted immediately!! If this inaccurate bankruptcy is not immediately deleted off of my consumer/credit report I will contact my attorney as Transunion is in direct violation of reporting inaccurate information!! Transunion has my police report on file as well as my identity theft report from when my wallet was stolen and my information was compromised!! 
Police Report Number : XXXX I demand Transunion Credit Bureau delete this false inaccurate information immediately!!! 
XXXX XXXX Transunion File Number : XXXX Date Of Birth : XX/XX/year> Delete this inaccurate bankruptcy immediately!! Both of these are errors!!! 
# XXXX # XXXX According to FCRA guidelines this is a direct violation of Transunion and I have the right to a fair credit report!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax never showed proof of their investigation with XXXX. I asked them to investigate an Issue. I also told them to provide me with the original contract from the original Debtor with my signature and Equifax failed to do so. They sent me a later stating that the information is updated which should of been deleted.