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

I have a inquiry ( XXXX/XXXX  ( XX/XX/2020 ) ) on my consumer report that should not be there on my consumer report.
Product: Consumer Loan

THIS COMPANY DOES NOT LISTEN. I HAVE SAID TO PLEASE NOT CONTACT MY FAMILY, RELATIVES, ETC. AND THEY STILL DO. THIS IS EMBARRASSING AND CONTINUES TO OCCUR.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


PLEASE REMOVE FRADULENT ACCOUNTS & INQUIRES BELOW!!! 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Enclosed are the following : A copy of my driver liscense. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent informatio
Product: Credit card

Ordered an item. The item never arrived. Package said delivered but mail company could not place the package arrival scan near my building. Contacted seller site. No refund offered. No purchase protection. Contacted citibank. Filed dispute, even included police report in original dispute. Dispute resolved favoring outside party. Raised second dispute, same conclusion. No answers, no purchase protection.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I contacted XXXX XXXX mortgage about a hardship we were experiencing. I was told to fill out an application and send it in. I quickly got an email right away to fill out the forms. I contacted them the next day to have them explain what the forms were for and how it worked. I was told that once the application was accepted, we would not be at risk for foreclosure, late fees, or being reported to the credit bureaus. I asked for something in writing at that time and was told it would come in the mail in the documents I received once our application was complete. When I received the letter in the mail saying the application was complete there was nothing in there about late fees or credit reporting, only about the foreclosure. 
After my application was fully turned in and complete I contacted the loss mitigation department. I called on XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was trying to get verification in writing that the account would not be reported and I talked to a few people who assured me it would not, one person was going to send me an email with the information but our call was cut off and when I called back the next person said that it was not guaranteed not to be reported but could not give me a definite answer on the negative either. I asked for something in writing stating it would be reported and was unable to get that either. I eventually got someone who stated that it will likely get reported and I explained the situation. She told me that due to the information I was given that if it did end up getting reported to contact the research department to have them adjust and correct it so that it does not report. 
In late XXXX is when I noticed that it had reported to the credit bureaus and contacted the research department only to be told that they would not change it because at least one person told me that it might be reported they were going to keep it as is. We entered into a forbearance as of XX/XX/XXXX and so I contacted them again once that was official and stated again, that we were now in a forbearance from the application that was deemed complete as of XX/XX/XXXX, prior to any late payment, and we would like the adjustment made. They explained that it would not be adjusted as the forbearance was only from XX/XX/XXXX.
Product: Credit card or prepaid card

4 INVOICES WERE PAID BY 2 CUSTOMERS ON XXXX, FOR MARKETING, ACCOUNTING AND OTHER BUSINESS SERVICES. THE MAONEY WAS NEVER PAID AND THE COMPANY SAID THEY WOULD ISSUE A REFUND IN 65 DAYS. IN THE ORIGINAL AGREEMENT INVOICES ARE TO BE PAID IN MY ACCOUNT WITHIN 5 TO 7 DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and as allowed under the Fair Debt Collection Privacy Act ( FDCPA ), I am requesting that you validate the alleged debt with XXXX XXXX XXXX and provide proof of proper investigation. 



Please provide me with a breakdown of all charges and dates of service.

Additionally, reporting of this debt prior to allowing me to validate may be a violation of the Fair Credit Reporting Act ( FCRA ), which can allow me to seek damages from your collections agency. I will await the proof for 30 days, and if proof is not provided it is considered invalid and I expect XXXX XXXXXXXX XXXX to be removed from my credit report. 

All Accounts are listed below : XXXX XXXXXXXX XXXX Thank you
Product: Money transfer, virtual currency, or money service

In XXXX of XXXX, I was approached by this person thru other intermediaries about capital funding for an Aviation Fuel Transactions under contract with XXXX XXXX XXXX XXXX ( XXXX XXXX ) and a Tank Storage Provider named XXXX XXXX XXXX XXXX in XXXX. 

XXXX XXXX ( XXXX ) needed {$240000.00} to pay tank storage fees for these contracts for aviation fuel so he asked me to fund them ( {$240000.00} ) and in return he promised to pay back the capital plus a significant ROI totaling {>= $1,000,000} and he wrote 3 separate business checks to ensure payment to my corporation. 

I send 3 separate bank wires from my business account at XXXX XXXX   to XXXX XXXX XXXX XXXX - Bank of America business checking account and XXXX in turn wired from his business account at BOA to various international bank in XXXX and XXXX XXXX as instructed by XXXX XXXX XXXX XXXX. 

Here are the 3 wire receipts XXXX sent to international banks for fraudulent tank storage fees. 

{$87000.00} on XX/XX/XXXX Bank of America ( XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) in XXXX, XXXX {$74000.00} on XX/XX/XXXX Bank of America ( XXXX XXXX XXXX XXXX ) to XXXX XXXX  XXXX XXXX XXXX ( Polenectar ( XXXX ) Limited ) in XXXX XXXX   {$71000.00} on 01/23/2019 Bank of America ( XXXXXXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX  in XXXX Texas ( XXXX XXXX XXXX ). 
In the end, I found out the deal was a scam because the tank storage company was a fake and stole the money which I learned from an XXXX agent that tank spoofing scams are common in the industry. 

I have attempted to collect what is owed from XXXX and XXXX and Bank of America for several months to no avail and I need your departments help to make Bank of America ( FDIC Insured bank ) aware of their part in assisting XXXX in facilitating the fraud/scam by sending out bank wires to banks who conspired with the fraudsters and allow them to hold open & use bank accounts for their illegal scams. 

Banks need to be held accountable as well since they allow fraudulent activities thru business bank accounts open by their client/customers committing fraud and stealing money with the use of these accounts. 

XXXX XXXX XXXX - XXXX XXXX must force his bank BOA to reclaim the money and money he promised thru the 3 post dated checks that remain uncashed due to having insufficient funds.
Product: Credit reporting or other personal consumer reports

This is my several request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My Citizens Bank checking account ( opened 2022 ) is completely gone. I can login to the app and website but don't see my account. When calling customer service, nobody can find my account. This is crazy, all of my money is essentially stolen. There was > {$1000.00} in the account.
Product: Credit reporting

there are XXXX accounts on my credit report XXXX- XX/XX/XXXX mortgage loan .. closed short sale- bank agreed not to report. 
XXXX reported XXXX XXXX XXXX balance O .. from 13 years ago.. creditor closed my account was never late. 
XXXX/card- bal o reported 11 years ago XX/XX/XXXX card was stolen .. closed still on report. never late. 
Transunion and XXXX reporting these accounts. they need to be removed..
Product: Debt collection

I have been called by XXXX XXXX  XXXX years ago about a car my mother got in my name and I told them then it wasnt me. Now currently I see that I got a letter saying I am Being sued
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I disputed an account on my report with all three bureaus regarding. I was given notice that it would take 30 days for the investigation to be completed from each bureau. On XX/XX/2019 XXXX  responded to my investigation stating that the item was deleted from my XXXX Credit Report. I received results from TransUnion stating that the investigation was complete and that information was verified. The report did not include how the items were verified. On XX/XX/2019. Again, I disputed the same items with both TransUnion and XXXX. This time I sent a follow suite letter attaching the deleted account from the XXXX  record to both TransUnion and XXXX.I received a response on XX/XX/2019 from both TransUnion and XXXX  that the account was updated and verified. Again, no documentation on how this account was verified. XXXX  sent along a stall tactic during this dispute stating that I had not sent all required documents which I keep logs of what I sent to each bureau.
Product: Credit reporting or other personal consumer reports

I looked at my credit report and noticed some things are incomplete and not accurate. I sent a letter to XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This is unfair and if they are doing this to me imagine who else they are doing this too.
Product: Credit reporting or other personal consumer reports

Multiple variations of names that do not belong to me Numerous addresses across different states that I have never resided at Pattern suggests possible synthetic identity theft Mixed File/File Segregation ( 15 U.S.C. 1681i ) : Information appears to belong to other consumers Credit file contains information from multiple individuals Clear evidence of file mixing requiring immediate segregation Accuracy and Fairness Requirements ( 15 U.S.C. 1681e ) : Information can not be verified as belonging to me No legitimate business relationship or credit application associated with these details Information compromises the accuracy of my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

under the fair credit reporting act i have proof that accounts below has been reporting incorrect information on my behalf. these accounts are XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit card

We made mistake in typing in a bank account number to pay off the card. Realized the mistake when it declined and fixed the mistake. The card was then paid off but they locked the card. This was a month and a half ago. They refuse to call us and every time we call they tell us they can not help us because we can not provide the proper documentation. We have given the bank statements for the correct account showing the payoff information, we have called more than 20+ times and talked to a supervisor, and escalated this issue more than 2 times. They refuse to help us but keep charging the yearly fee and have locked us out of our earned rewards balance and the ability to use the card without even considering this was an error in typing and not fraud. They are calling the account fraudulent and refuse to release it even though we provided the information and documents they requested. The account they are needing to verify does not exist and can never be verified because we made a mistake in typing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was having issues with collections on my credit report recently and in the pass with to apartment agencies and also have an issues with other employers and car dealerships doing inquiries on credit report without asking me. I was trying to get rid of my collections, charge offs which I thought were inaccurate and reported incorrectly the credit agencies because of my racial and XXXX veteran background. I tried to work things out with credit repair agencies such as XXXX XXXX XXXX XXXX XXXX XXXX to help me clean my report and dispute the inaccuracies on my credit but all I got was the same results of bad credit and nothing to help me get employment or a home. I was unemployed and homeless at the time of the reporting to the credit agencies but I still paid my bills to XXXX and other credit repair agencies to help to clean my credit. I think terrible service to a veteran and it my credit should be clear of inaccuracies. I hsve contacted all my creditors to workout a payment plan and resolution but most of them have sold the account to collection agencies and credit attorneys who harass me with letters in the mail and emails about making higher payments and threats from old creditors about bills I already paid over multiple times. I just want to new credit report and new start for all my troubles. I did my best to pay everything owe but in the end their trying to make me pay more interest than before if I do n't pay up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 

XXXX XXXX CO Reported XX/XX/2022 {$10000.00} Outstanding XXXX XXXX XXXX Reported XX/XX/2022 {$210.00} Outstanding XXXX XXXX  XXXX Reported XX/XX/2022 {$160.00} Outstanding XXXX XXXX XXXX Reported XX/XX/2022 {$130.00} Outstanding XXXX XXXX  XXXX Reported XX/XX/2022 {$84.00} Outstanding XXXX  XXXX  XXXX Reported XX/XX/2022 {$42.00} Outstanding XXXX XXXX Reported XX/XX/2022 {$0.00} Outstanding 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 an account without my written authorization.
Product: Credit card or prepaid card

Company offered a phony promotion through a statement insert claiming that you will receive a {$15.00} statement credit after making 3 single transaction purchases of {$10.00} or more at Exxon/Mobil gas stations. I qualified by making the required purchases.
Product: Credit reporting or other personal consumer reports

I submitted a dispute for a debt with XXXX that was not mine. Experian removed that account from my report because of this dispute. Later, a debt buyer purchased that debt and recorded a collection account on my credit report. When I disputed this collection account, Experian validated the information from the debt buyer, and left the account on my record. Experian is reporting that this debt is and isn't valid at the same time.
Product: Mortgage

I recently changed banks and changed my banking information on XXXX website. I got an email saying they have received my payment on XXXX/XXXX/2016. I checked their website and it showed my payment was current and my next due date was XXXX/XXXX/2016. I noticed the money was not taken out of my bank account so I thought maybe it was just a delay. 10 days later XXXX/XXXX/16 I got a letter saying there was a problem with my payment information. I checked the website and it now said payment was overdue. I submitted payment again and called ocwen customer " service ''. I was told that my payment was submitted and there was no problem with it. When I told the customer rep that they did not take the money out of my account and asked why, I was told that the payment did not go through the first time due to a problem with my bank but he could not tell me what it was. I told the customer rep that they need to update their website as it had incorrect information on it which caused me to assume everything was OK. He said I was being charged {$59.00} for the payment being returned even though I was told the payment was current and the website reflected that. I told him to cancel my current payment until I figure out what was going on so I did not get charged this ridiculous fee again and he told me it was too late to cancel the payment and I will be charged the fee again. So I am being charged $ XXXX+ in fees for XXXX mistakes and do not believe this is fair. On top of that I sent in a request to have my escrow account removed and was denied due to false information from their escrow department. My loan to value ratio is XXXX % but they had it at XXXX % even though I offered to provide proof of my appraisal value.
Product: Checking or savings account

XX/XX/XXXX opened the account XX/XX/XXXX deposited {$400.00} money order from XXXX. 

XX/XX/XXXX deposited ACH for {$300.00} from another bank. 

XX/XX/XXXX deposited a {$13000.00}. cashier check from XXXX XXXX Bank. 

Once the {$13000.00} check finally clear the bank, the bank informed me the account was suspended for an unknown reason. After a number of days Discover fraud department informed me that the account was closed again for an unknown reason. I don't have the closing date. They told me the funds will be returned with in 60 to 90 days. 

I have attempted to call the Discover fraud department but they state the hold time is 3 hours. I called this morning, XX/XX/XXXX, XXXX and was told the wait time would be 30 minutes. I could only wait 1 hour and 30 minutes. The fraud department stated on the phone they are open 2 hours a day. I call last night at about XXXX PM but they said they were closed. 

The account was only opened for one month. I guess the bank can not large deposits. 
No wonder they were fined billions of dollars ago, probably due to how they treat their customer.