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

I reached out to the law firm/collection agency to inform them that the information that was being reported on my credit was inaccurate and does not belong to me. The information thats been reported is an account I supposedly have with blink fitness that was opened on XX/XX/XXXX, however I moved from New York XX/XX/XXXX, I wrote a letter requesting verification of the debt and also made calls to the law firm informing them that this information is inaccurate and The account must be a fraudulent account, which does not belong to me and should be removed from my credit report, to which they insisted that I pay the debt and that their information that is being reported was received from their client ( XXXX XXXX  ), and is assumed to be correct and is going to continue to be reported until I pay the debt.
Product: Debt collection

Good evening, On XX/XX/2022 between XXXX and XXXX I received a series of 5 calls from XXXX XXXX that I attempted to answer more than once and also received a voicemail at XXXX asking me to call same number at extension XXXX. I called back and was transferred to XXXX XXXX at Ability Recovery Services who asked me to verify the last 4digits of my SSN without advising me of the purpose of her call. Once I requested the reason for the call she advised me that it was regarding a debt from XXXX or XXXX on behalf of XXXXXXXX XXXX  I advised her that I had no idea who XXXX or XXXX company was and that I needed a report of the charges from the original creditor to verify. 

I can be reached at XXXX XXXX or by email at XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the accuracy of certain information on my credit reports maintained by XXXX and Experian. The details of the accounts in question are as follows : XXXX Report : Account # : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Experian Report : Account # : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Upon reviewing my credit reports, I have identified significant discrepancies between the information reported by XXXX and Experian regarding the above account. Specifically : Date Opened : XXXX reports the account as opened on XX/XX/XXXX, while Experian reports it as opened on XX/XX/XXXX. 

Date Last Active : XXXX reports the account as last active on XX/XX/XXXX, whereas Experian reports it as last active on XX/XX/XXXX. This discrepancy in reported dates of last activity is substantial and needs clarification. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA 611 - Accuracy of Information : The inconsistencies in reported dates of account opening and last active dates suggest a failure to maintain accurate consumer information.

FCRA 623 - Duty to Correct and Update Information : According to FCRA 623, CRAs must promptly update and correct inaccurate information upon notification by the consumer. The discrepancies noted above indicate a need for immediate correction and updating of my credit reports. 

Furthermore, under FCRA 611 ( a ) ( 5 ) ( B ), inaccurate information must be promptly deleted or corrected by the consumer reporting agency after receiving notice of dispute from the consumer. Given the discrepancies noted above, I request that XXXX and Experian promptly delete the inaccurate information from my credit reports. 


I request that XXXX and Experian conduct a thorough investigation into these discrepancies as required by FCRA 611 and promptly delete the inaccurate information from my credit reports. Please provide me with the results of the investigation in writing and confirm when the corrections have been made. 

Additionally, I kindly request that you send me a free copy of my updated credit report once the corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely,
Product: Mortgage

NACA promises you can apply for a mortgage if you spend hours attending seminars and going through and around hoops and red tape. I did all this in XX/XX/2017. I met with NACA Counselor XXXX XXXX in XX/XX/2017. I also paid membership fees at this time. He told me I could qualify for any amount ( up to their maximum non-jumbo limit ) once I was ready. 

Three years later, I decided I was ready. On XX/XX/XXXX, I was given a new appointment with NACA Counselor XXXX XXXX. Because of COVID-19, it was distantly set on XX/XX/XXXX at XXXX XXXX PST. On XX/XX/XXXX, I emailed XXXX and XXXX to confirm my appointment. Neither responded. 

On the day of the appointment, I called the phone number for my appointment. No one answered so I left a voicemail. Instead of a call back, I got an email saying I got pushed to XX/XX/XXXX. Ms. XXXX did email asking how she could help. I've written her three times and she has never responded. I've also tried multiple times calling/emailing the national center for help. None of the phone numbers get me to a live person. Each email I response I receive asks me not to reply to their response ( even though their response does not address my email ). 

I feel like this company is denying my access to apply and they are misrepresenting what it takes to apply for a mortgage. I also wonder if some sort of discrimination is taking place.
Product: Prepaid card

I went to draw XXXX off chime credit card said insufficient funds which they seem I had almost XXXX on card at ATM it said indifferent funds but my money is gone twice it happened same bar an machine and my credit buildier card I didn't receive any cash XXXX is a lot to act like Im lying or something. Something has to be done
Product: Credit reporting or other personal consumer reports

This company still has inaccurate information on my credit file! This information needs to be deleted because it's a clear violation of my consumer rights. How did they conduct a proper investigation but still have multiple inaccurate accounts on my credit file! If you don't delete this I will speak to my local attorney general about deformation, and compensation for violating my rights or simply delete the inaccurate information I pointed out!
Product: Credit reporting or other personal consumer reports

I want this XXXX XXXX deleted from my account Reported on XXXX XXXX and on XX/XX/year> I have Credit inquiries on my report that I don't recognize, and shared without consent, I have credit inquiries from unknown sources that I do not know about and did not authorize.
Product: Checking or savings account

Ally Bank closed my account without notice or explanation. I initially called Ally Bank when I was unable to access my funds. Everytime I called, I was transferred to the fraud department but I was never able to speak with anyone that could help. On multiple occasions I was told that someone ( i.e. a manager ) would call me back but that never happened. 

I'm not clear as to why Ally Bank would not send the funds back to me as the owner or to the institution from which they received the original funds which is my credit union upon closure. I even looped in my credit union via phone and email for verification purposes but still received no response from Ally Bank. 

Please help me to retrieve my funds from Ally Bank. Its appalling that this case has not been resolved after such an extended length of time. Thanks in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries or information not later than XXXX business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft filling the Data Breach. My personal information had been compromised in this breach. My name is XXXX XXXX XXXX XX/XX/XXXX SS # XXXX. This CFPB complaint has been filed request pursuant to FCRA605 ( 15 USC 1681 c-2 ) that you the Transunion reporting agency, block information appearing in my consumer credit report that it is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent, inaccurate and false information consist of an auto loan account opened at XXXX XXXX XX/XX/XXXX a collection account at XXXX XXXX XXXX opened XX/XX/XXXX. A collection accounts at XXXX XXXX XXXX XX/XX/XXXX a personal account at XXXX XXXX XXXX opened XX/XX/XXXX a personal account at XXXX XXXX  opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX. XXXX opened XX/XX/XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX. Inquire : XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached my FTC Identity theft Affidavit. # XXXX, Social Security Card, Current address, Drivers License, Police Report, etc. The aforementioned accounts hosted by you are were a result of identity theft and fraud from your data breach
Product: Checking or savings account

I was trying to open and account, had some questions. I called and spoke to a male operator who did not know the answers, I asked for a supervisor when he hung up the call on me. 

I called again, and this time I got a supervisor on the line, but the supervisor did not know the answers and started giving me misleading responses. 

I called a third time and got another supervisor on the call. I asked her to get the bank 's executive office to contact me, she said she will escalate this to the executive office and they will reach out to me within two business days. I never heard back from the executive office.

It appears that starting from the phone operators up to the executive office all people at Ally are XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have many issues with how XXXX, Equifax, and XXXX are reporting collections and closed negative accounts on my consumer report with my verbal or written consent.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 6802section ( b ) Opt out In general a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. My consumer report is private information. I have not received any disclosures from any of the following accounts : XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$630.00} I need the mentioned accounts removed from my consumer report immediately, the mentioned accounts are ruining my consumer report and my credit score which is hindering me from getting any new credit lines and credit loans.
Product: Credit card or prepaid card

I had purchased a vacation on XX/XX/XXXX through XXXX using my XXXX credit card. The vacation was cancelled by Bookit.com on XX/XX/XXXX ; The trip was for XX/XX/XXXX - XX/XX/XXXX to go to XXXX, I used my Discover card to pay for my portion of the vacation with my partner. My discover was charged {$2000.00}. ( To note : my partner paid for his vacation & on a XXXX card, that received no refund due to XXXX being closed, and was disputed and resolved in his favor within 90 days, NO PROBLEM ) On XX/XX/XXXX, XXXX 's website stated that they were not in functional operation and UNABLE to process refunds. Shortly after, I submitted a dispute as SERVICES NOT RENDERED/RECEIVED on XX/XX/2020. 

Discover sided with XXXX.com on the original dispute stating that I had not submitted documents, although I spoke to a representative from their company that there was no need to submit additional documents. Discover has now received all documents supporting that XXXX cancelled the trip, was unable to process refunds, and I sent them the email that XXXX sent showing that I was due a refund. 

At this point, I have had the dispute escalated for supervisor review at least three times. I have waited over five days straight despite numerous calls for a supervisor to call me back, never received a call back from one. Additionally, in this process I was hung up on over or purposefully disconnected at least five times. On my last call, I went over line by line my terms of service with representative and she had no other explanation why I was not receiving my money other than that BookIt.com is a mutual client of them as well and essentially positioned that they were more in the business to protect that client over me and my cardholder terms of service. The company is being sued for this by the attorney general of Massachusetts. I have also submitted a police report in the county/township in which BookIt.com operates their business. 

I have requested all calls that I had with Discover to be sent to me, which is within my right and they still have yet to do so. Additionally, they said that the refund document was not clear in which where the refund was to go even though BookIt.com clearly states on their website that they are NOT able to issue refunds. After many tireless attempts, Discover is still essentially okay with defrauding their customers and not following their own terms and services as I signed.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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. 

I have never lived at these addresses as stated on my credit report. THIS report IS INACCURATE. : XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX OR XXXX XXXX XXXX XXXX, IL XXXX I have not updated the status of the account XXXX  XXXX : # XXXX and this report appears to be older than 7 years old & should not be reflected on my report for any reason.
Product: Credit reporting

Have put att on even after power and utilities commission told them to take off Then put att back on and refuse to take off even thou its thru another company that is not original debiter they have refused for 4 years to take of lates of XXXX/XXXX/XXXX / XXXX and XXXX late payments even thu i have sent them all documents proof many times over they show my student loan twice and that it is not paid off XXXX owed they show half of credit limits and have XXXX limits and XXXX balance they XXXX limit and up to XXXX balance that they need to send all companies over the last 4 years new credit reports with an apology to me and company for not complying to federal and state regulations. 
That they have had information and letters rom fed and state agencies sent to them many times over and they take off then put right back on when they no better and have cost me XXXX in time copies certified mail and countless complaints over and over for the same thing for years
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 EB 15 U.S.C 1681 S-2 15 U.S.C 1681 I5 Whenever a consumer reporting agency files a consumer report it's supposed to follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the individual who the report contains. 
This has been a nightmare of a problem to get under control. The credit beauro has my credit so screwed up I most likely will never get into another loan or car or house for the rest of my life. There are so many inconsistencies in the report I Can't even name them all. All I know that almost every single account is innacurate in that each credit agency has different numbers for everything I don't even know which one are good and which ones are bad .... I know they better fix it
Product: Credit card or prepaid card

SUBJECT-FEES CHARGED AS RETURN CHECK FEE DESPITE PRIOR CANCELLATION OF AUTOMATIC PAYMENT Dear Sir, This is to bring to your notice that my credit card company-CITIBANK ( account ending XXXX XXXX ) has fraudently charged me an amount of XXXX $ on XX/XX/26 claiming RETURNED CHECK from my XXXX XXXX XXXX checking account.On enquiring , with XXXX XXXX XXXX, they have said citibank had tried withdrawing XXXX my checking account twice in succession on XXXX and XXXX of XXXX XXXXI had cancelled automatic payments to citibank well in advance of this date.Despite this citibank went forward with this transaction..On contacting citibank, they said there is no option to refund this charge at present.but would take care of such issues in future. 
Kindly take action against citibank and please refund me, the amount of {$41.00}, fraudently charged on my account resulting in me, sufferring undue mental stress and hardship. 
I have attached, my bank statement summary from citibank. 

Regards, XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates XXXX XXXX XXXX., XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I want to file a complaint against the above four companies for harassment and continued negative reporting of the same creditor information after the items have been removed from my credit report. The debts from the original creditors date back to about 2012 and have continued to remain on my credit since then. I have gone through the dispute process numerous times with all three of the credit bureaus and have had success in the past with the items removal from my credit reports. However, the collection process has continued steadily over the years in the form of phone calls to my cell phone, calls to my place of employment, threatening letters in the mail despite cease-and-desist letters I responded with and extremely detrimental damage to my credit reports. Aside from these 4 collection items on my credit, the reports reflect only good items including on-time payment history, length of credit, etc.

My goal is to have these 4 companies reprimanded and reported for having violated the Fair Credit Reporting Act and the Fair Debt Collection Practices Act on several occasions and in several different areas and to have the collection items permanently removed from my credit report from all three credit bureaus. 
I have the necessary documentation to support my allegations and will provide it, if requested. I have been working very hard to fix my credit to improve my quality of life for myself and my children but these 4 collection companies have ruined and continue to obstruct my efforts.
Product: Credit reporting or other personal consumer reports

I have repeatedly informed you about inaccuracies on my credit report, yet I continue to be ignored by both you and the credit reporting agencies. This ongoing disregard is causing me unnecessary stress. I will be forwarding a copy of this to the Consumer Financial Protection Bureau ( CFPB ) Ombudsman and consulting an attorney about my legal options as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i sent multiple letters out to XXXX and XXXX about these inquires on my report but noone has gotten back to me yet on my XXXX account i have 4 inquires and on equaifax i have 17 thats outrageous i calles and i comtacted the creditor and nobody is trying to help me out with this issue. I contacted them 30 days ago with 20 letters asking them to delete these inquires because they were unauthorized. Theres inquires going back from 2016 and i have no idea what they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report to work on and clean up my credit and I noticed inquiries that were on my report that I didnt authorize. I contacted TransUnion credit bureau and I told them that I would like these items removed off of my credit report, they then told me that I had to call each company to have them send a letter for deletion. I had to XXXX the numbers based off the name of the company found on my credit report i called each company and they couldnt find a record of my name or anything because I didnt have an account with them. I called transunion back to let them know that and they still said they couldnt delete the inquiries. Some of these inquiries were for the same name on the same dates. Duplicates. 
1. XXXX  XXXX  Date of inquiry : XX/XX/2019 2. XXXX XXXX Date of inquiry : XX/XX/2019 3. XXXX  XXXX Date of inquiry : XX/XX/2019 4. XXXX Date of inquiry : XX/XX/2019 5. XXXX XXXX  date of inquiry : XX/XX/2019 6. XXXX Date of inquiry : XX/XX/2019 7. XXXX  XXXX  Date of inquiry : XX/XX/2019 8. XXXX  Date of inquiry : XX/XX/2019 9. XXXX  Date of inquiry : XX/XX/2019 10.XXXX  XXXX  Date of inquiry : XX/XX/2019
Product: Credit card or prepaid card

I reported fraudulent activity on my visa credit card with Bank America. There were two fraudulent charges made on XX/XX/XXXX and XX/XX/XXXX at the same location in amount of {$39.00}. I filed a claim with Bank of America and they denied the claim with no explanation other than saying I have too many accounts with this pizza place, which makes no sense. I contacted them again and they said they'd have to file an appeal it would be another 45-90 days. In the meantime while I'm waiting for appeal, they added the two charges back into my account which is continue to accrue interest. Please help me with these fraudulent charges and unfair treatment from Bank of America