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

I've had a credit card with Bank of America for over 3 years. It has been on autopay for its entire existence, I've never had to go online to make a payment other than setting up the autopay amount and/or adjusting the autopay amount. In XXXX and XXXX of 2021, my autopay was stopped for some reason. Since I was not notified, I did not make a payment in time and was therefore reported as late to the credit bureaus. 

On XX/XX/XXXX, I requested Bank of America to remove these lates as it was their fault that the autopay was turned off without notifying me. I was told ( via a representative on the chat help desk ) they would submit a complaint and would be notified in 5-7 business days of the status of the complaint, but was warrant the actual credit report correction may take 60-90 days. But, I never heard anything. 

On XX/XX/XXXX, I called back in to Bank of America to check on the status now that we were well past 7 business days. I spoke with XXXX XXXX who notified me that the prior rep had NEVER submitted any complaints despite my request and despite the fact that he/she told me they had. I asked her if she could check the chat transcripts to see that I had already requested this and was told it was submitted but she said she was unable to access them OR share them with me. I sat on this call for XXXX minutes and was ultimately told by XXXX that she shows no record of my autopay being turned off by Bank of America and claimed that they actually aren't able to do that, therefore she didn't have a " reason '' to submit my complaint. Despite me explaining multiple times that I've never made a manual payment and the autopay was never turned off, she still refused to file a complaint for me. 

I don't want much. I only ask to correct my credit report to show no lates and to refund applicable late fees. That's it. Nothing more. 

I will NEVER bank with Bank of America again. But I just want them to fix their mistake.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED
Product: Money transfer, virtual currency, or money service

Coinbase gift card # XXXX was redeemed but it wasn't added to the balance. Customer service seemed to be unable to solve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized inquiries which do not belong to me or were opened without my permission. 

TRANSUNION XXXX : XXXX XX/XX/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
Product: Bank account or service

Wells Fargos teller deposited a check made payable to me into a dealerships account without my notice or my signature. Please see the attached letter that I have sent as a final means of communication to Wells Fargo to stop the harrassment, roughly 10-15 calls a day and anywhere from XXXX-XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written Transunion over 5 times and they continue to lie stating XXXX XXXX Georgia has verified the information was accurate. I received another letter from Transunion dated XX/XX/2022 with an update from my dispute through CFPB. The letter has the SAME LIE FOR THE XXXX TIME FROM TRANSUNION AS BEFORE stating XXXX XXXX Georgia verified this inaccurate information. 
It is apparent the previous lawsuits against Transunion have not taught them a lesson and more should be filed. 
Transunion has added a bankruptcy to my account showing a filed date of XX/XX/2022. Transunion continues to add unverified bankruptcy information to my credit and breaking the law when it comes to credit reporting steps and verification of information that they place on my credit I have called the number Transunion has listed for XXXX XXXX Georgia and I also received correspondence in writing from XXXX XXXX Georgia that stated this was never reported, verified, or discussed by them to Transunion or anyone else for that matter. I have sent this with my dispute several time and spoken to Transunion on many occasions and they just start the dispute over cause me more time and stress. Transunion is the only bureau reporting this inaccurate information and continues to lie to me and prolong the investigation causing detrimental results to my credit report, loss of points with my fico, anxiety, mental and emotional stress. I believe it Is time to speak to legal cancel concerning this matter.
Product: Debt collection

On XXXX the XXXX I received a letter from XXXX XXXX XXXX XXXX. The letter stated I owed XXXX as of XX/XX/2022 and the creditor is PayPal Inc. I do not have a PayPal account and never have had one. It references account number XXXX. This is a fraudulent attempt to collect money. I looked on line and it appears this company is doing this to multiple people. My concern is if everyone knows about this, why is our government protection agencies not doing anything about them? 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

" NEW ISSUE '' PRA pulled a Hard inquiry on my credit report on XXXX XXXX without authorization or permission from me this is illegal. Now it showing the removal of the inquiry ( This inquiry could stay on your report untilXX/XX/XXXX. ) has to stay on my report for 2 years.I need this inquiry remove immediately. Cease all pulling of my credit reports. Anymore violations I will be seeking remedy in Third District Court here in XXXX XXXX XXXX Utah.
Product: Checking or savings account

On XX/XX/XXXX, I deposited {$1700.00} and Citi flagged my account for closure soon after for no apparent reason. I've already filed a complaint but it has been two months since the deposit and Citi has taken no actions towards the recollection of my check nor has my account been closed. I made another complaint recently but it was taken down as a duplicate even though Citi hasn't resolved my issue. In the company 's response they mentioned the account closure takes 30-60 days and it has already been that long.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent out a letter to XXXX XXXX, XXXX and Experian, notifying them that after checking my credit report there were several credit inquires that I did not authorize on my credit report. I requested they validate the information and provide me with copies of any documentation. After receiving no response after 60 days i sent a 2nd letter on XX/XX/2020 demanding to follow up. I still have yet to receive any validation or proof of an investigation or investigation method.
Product: Credit reporting or other personal consumer reports

Please remove fraudulently inaccurate inquires. 

The following inquires accounts are an error below Business Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Business Type : All Banks Business Name : XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Business type : Credit Unions Business Name : XXXXXXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Business type : XXXXXXXX XXXX XXXX XXXX 

Business Name : XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Business type : Credit Unions Business Name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Business type : All Banks Business Name : XXXXXXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Business type : Banks and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXXXXXX XXXX XXXX  Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  Account XXXX XXXX XXXXXXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

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

I DO NOT HAVE ANY SIGNED CONTRACT ( S ) WITH GLA COLLECTION COMPANY!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX Has violated my rights.

15 u.s.c 1681 section 602 states I have the right to privacy.

15 u.s.c 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 i sent a letters 30 days ago with inaccuracies on my credit report and i have yet to receive a reply back. I have done my own research and i know that they have 30 days to investigate and reply. I feel taken advantage of by the credit bureaus because they are ignoring my disputes.
Product: Credit reporting or other personal consumer reports

The address reporting on my credit file is incorrect and I want it removed immediately. I am attaching my current and only address.
Product: Student loan

I have been trying to login to my nelnet account for the past week starting XX/XX/2023, and I continually get loading pages or errors that send me back to the initial login. Currently, all I get is " Sorry, Our Systems Are Temporarily Unavailable '' when trying to login. I have attempted to call and have waited for over an hour several times now to actually speak to someone. I have only given up when the time has gone over the quoted time and I have to move on with my day. It got through once for the call to be disconnected, and I never received any callback. How am I supposed to setup repayment if I can not even get access to my account online or reliably speak to a representative. I am pretty sure I have everything setup and ready to go, because I was not having these issues about two months ago when my loans were transferred. However, it is absolutely necessary that I have access to my information to ensure that I have the correct accounts setup for autopayment and won't have any issues once repayment begins. I'd like to begin paying in XXXX, so that interest doesn't accrue. But, I can't even get online or speak to someone to ensure that happens. Either this company wasn't ready for the demand that they are seeing and are unable to actually handle online and phone requests or they are intentionally having these issues to ensure that borrowers pay more. Both are honestly ridiculous and unacceptable.
Product: Debt collection

A Company called Portfolio Recovery has done all of these things. Contacted family in other states, contacted employer, threatened me, calls multiple times a day from different numbers, wo n't tell me what this is for ... .etc ... ..FOR SEVERAL YEARS!!!! 
Please stop them.
Product: Credit reporting or other personal consumer reports

This is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ). 

Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Attached is the dispute letter, which is dated, and time stamped.
Product: Credit reporting, credit repair services, or other personal consumer reports

For whatever reason my scores are so much lower with Transunion than the other two reporting agencies. They have me at XXXX whereas Im at XXXX on XXXX and in the high XXXX with XXXX. I dont get it. It doesnt seem to move. I had asked them last year about my score. They said a previous mortgage company gave me a bad score. I got rid of them for harassing me via XXXX deliveries almost daily to refinance my home through them. And my bank sent a double mortgage payment in error and they would not send it back electronically. They made me wait for weeks to get it back. I informed them at that time I would refinance with someone else if they held back with my money. Ive never heard of this company until they started soliciting for my mortgage via mail at first. And some how they were able to take over my mortgage. If I knew about CFPB I would have filed a complaint against them. At this time I received a letter from them a week and a half ago saying their data was breached and my personal information was compromised. XXXX XXXX XXXX  XXXX is there a way to have my personal removed from companies I no longer use? Cause at this point Ive been advised my ssn is on the dark web. I have security freezes and other security measures on my credit through the credit bureaus.
Product: Student loan

During the first week of XX/XX/2021, my parents and I have been receiving calls and voice messages from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( that is connected to Navient ) harassing us to force us to pay more for my private student loans, which I have paying for timely every month now for the past three years. They want us to pay a balance due as of XX/XX/2021 in the amount of {$6900.00}, which we can not and would not be able to afford. I have had to deal with the same company before, and I do not wish to talk with them because I do keep up with the full amount due each month for each loan. I am still going to work on getting my loans transferred to another company that will better settle the issue, and I would appreciate that the same aforementioned company not harass us anymore. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have inaccurate information on my credit report and I want it removed immediately and they did not get back with me in 30 days which they have to do by law according to the FRCA.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, there were errors that appeared out of nowhere. I even tried refreshing the browser, hoping it was just a glitch, but nothing changed. I need the documents Ive submitted to be thoroughly reviewed so I can put this issue behind me for good.
Product: Debt collection

Citibank is reporting a credit card delinquent XXXX that is not mine nor can I find out whose it is. My credit report shows me is an " authorized card holder '' but I have no information on the account and I have not had any credit with XXXX. I had a XXXX several years ago and any credit card debt I may have had is either included or not mine. 

I called XXXX and they would n't give me any information. I called several different divisions of XXXX and nobody would attempt to help me. 

I finally got hold of the corporate office and they told me most likely it was sent to a collection agency. Again no other assistance other than call someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX XXXX, I have several name variations on my credit report that need to be deleted XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX. I was going over my credit report and I noticed that there are several errors. My current and only address XXXX XXXX XXXX, XXXX, OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX SQ XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Product: Debt collection

The process server phone # is registered to Hunt & Henriques, see attached XXXX XXXX listing. It should be illegal to misrepresent using a process server that never existed and is in fact registered to them. 

Also highlighted is the name XXXX XXXX in their response, which is not me. 

I was NEVER served by them.
Product: Checking or savings account

This year I have been charged with over XXXX XXXX dollars in overdraft fees. I've canceled my coverage so I don't have any overdrafts, but they keep allowing charges to go thru.
Product: Credit card or prepaid card

I overpaid which resulted in a credit of {$180.00} All pertinent information is on the statement copy attached XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE WAS USING MY INFORMATION AS A COSIGNER AND LEFT ME WITH LOT OF HARD ENQUIRES I FOUND OUT WHEN THE BANK TRY TO VERIFY WITH ME ABOUT A MOGAGE TRY TO EXPLAN THAT TO TO TRANSUNION BUT IS ALWAYS A DEATH END XXXX JUMP ON IT QUICK AND RESOLVE IT SAME AS XXXX BUT TRANSUNION SEEMS TO NEGLECT MY CASE I TRY CALLING THERE FRUAD DEPARTMENT SEVERAL TIMES BUT NOTHING I REACH OUT TO THE CREDITORS THEY SAID THEY WILL FORWARD THE MATTER TO THE CREDIT BUREAU BUT NOTHING SEEMS TO HAPPEN.