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

I submitted request to all XXXX, Experian, and XXXX regarding removing inaccurate items from my credit report. To date inaccurate information still appears on my credit report.

Variations of inaccurate name on my report Old inaccurate addresses on my report Old inaccurate employers on my report 1. My legal name is XXXX XXXX XXXX and it is the name I use for all credit and debt purposes, any other names ( or any other variations ) on my credit should be deleted as they are not my legal government name. 

2. My last employers was XXXX any and all other employers on my credit report should be deleted as I do not work for them. 

3. My current address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX and is the address I use for all credit and debt purposes, any and all other addresses on my credit should be deleted as they are not deliverable to me by the United States Postal Service XXXX
Product: Credit card or prepaid card

On XX/XX/20, I contacted Macy 's about the 4th letter that I received about a denial of my request for a credit limit increase. I spoke with several representatives and was told that I had a fraud alert on my account and I insisted there was no fraud alert. I advised that I had spoken to all of the bureaus and was assured there was no alert. I still wasn't provided the chance to get an increase to the original limit that I had when I opened the account. I spoke to a representative who pretended to call my phone number on file but no call came to the phone and he closed my account. I called back in upon learning that my account was closed and requested that it be reopened but the supervisor that I spoke to told me it couldn't be done due to outside reasons which was what I had been told about the credit increase. I then received an alert from XXXX that my credit file had been accessed and it was Macy 's. All of a sudden they could access my credit file. I feel that I was treated poorly by Macy 's and their customer value is at an all time low.
Product: Checking or savings account

This is a business account for XXXX XXXX XXXX at PNC Bank. 

I had a wire come in to this business account for {$85000.00} on XX/XX/2022 from XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX. This was payment for services rendered. 

Because I had fronted monies for this service from a personal bank account, I needed to withdraw this money from my business account at PNC Bank to my personal account at XXXX XXXX XXXX 

On XX/XX/2022 I tried to wire this money to my personal account at XXXXXXXX XXXX XXXX  The transfer was denied from PNC Bank because it was money going from my business account to a personal account. They did not like this because it had been an international wire. 

On XX/XX/2022 I was interrogated by the person " investigating '' the event, the Branch Manager and the Business Manager. I was told I HAD to tell them every detail of this transaction as the bank had a " right to know ''. It was an interrogation which all three of them asking questions fast and furiously. 

The service rendered was the planning and supply of chicken wings from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The details should not have been in question, but they were relentless. I was told that it could take up to XXXX weeks for the investigation. 

I had a medical emergency two weeks later which I informed PNC Bank because I needed access to that money. I was told that the decision had been made to close the account and to reject the wire due to the bank not being able to confirm the wire (? ). The wire was to have been rejected on XX/XX/2022 and I was to reach out to my client so he could send me the money again to another bank outside PNC Bank. 

My client had not received the wire as on XX/XX/2022 and neither had his bank. I was very concerned as to why. I reached back to PNC Bank and was contacted by XXXX from their XXXX customer service and was told that " No, the account was not closed, but sill on hold and the wire had not been rejected back to the bank where it came from yet ''? She had no idea as to when it would be sent back and that these things take time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has 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 an account without my written instructions.
Product: Credit reporting

On XX/XX/XXXX, I submitted a dispute to Equifax regarding XXXX XXXX XXXX ( ACCT # XXXX ) and originally requested that the debt be validated. There response was received after 30 days on XX/XX/XXXX stating " This creditor has verified to OUR company that the balance is being reported correctly ''. I submitted my dispute online after receiving this as requested another investigation disputing the date of the first delinquency. On XX/XX/XXXX, after my own investigation with XXXX XXXX XXXX, and the City of XXXX where the home was purchased, I informed Equifax that XXXX under the Fair Credit Reporting act misrepresented the debt owed as my last payment to XXXX XXXX XXXX was XX/XX/XXXX and my first delinquency was in XX/XX/XXXX. The debt was never brought current or paid on after XX/XX/XXXX to XXXX XXXX XXXX or any creditor. According to the Fair Debt Collection Practices act ( [ 15 USC 1692e ] ; 807 ) XXXX XXXX XXXX can not legally make false representation of " the character, amount, or legal status of any debt ''. They are in violation of this act 1 ) the statue of limitation is in Virginia is 5 years from the date of the first delinquency ; and 2 ) they continue to inaccurately report the first delinquency date so they can continue to continue report it on my file and try to collect on the zombie debt. In addition, the original creditor ( XXXX XXXX XXXX ) shows that the first date of delinquency was XX/XX/XXXX on my Equifax credit report. I have tried XXXX via online and writing to request that Equifax report this information to no avail. I have also being writing to XXXX XXXX XXXX via telephone and by mail about the debt since discovering it on my report in XX/XX/XXXX. They have responded to my correspondence and phone call with " we received your request and our research department is looking into your inquiry. Equifax is violating the Fair Credit Reporting act as is XXXX XXXX XXXX and XXXX XXXX XXXX is violation the Fair Debt Collection Practices act.
Product: Credit reporting or other personal consumer reports

I am a victim of identtity theft. I filed the correct information according to the FCRA and submitted disputes to the credit agencies. The disputes are not being processed correctly and the paperwork from the FTC is not being attached to the disputes. I am not getting copies of the verfication process sent to me. 

These are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that isb still reporting on my account : XXXX-Date of XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take time and effectively measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Wells Fargo allowed 2 charges to go through on my account for item I did not purchase and did not walk out of the store with. Wells Fargo refuses to provide anything that has my signature on it and continues to deny my claim. I have contacted them over 50 times between emails and phone calls and no one is helping me. 
The total charge amount was on XX/XX/2021 in the amount of {$3400.00}. This amount came about in two separate charges, the first amount was {$1000.00} and the second amount was {$2300.00}. I do not have the date it was charged because I do not have access to the account anymore. They temporary credited my account and reversed it several times and then refuse to provide and proof for the reversal. These fraudulent transactions caused sever hardship and caused my bank account to go into negative several thousands of dollars.
Product: Credit card or prepaid card

On XX/XX/XXXX @ XXXX I bought 5 gift cards for {$1900.00} as follows : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX # XXXX - {$500.00} # XXXX - {$500.00} # XXXX - {$500.00} - card has never been replaced. they still have my {$500.00} # XXXX - {$200.00} # XXXX - {$200.00} I paid for the cards with my debit card. Went home had coffee, sat down to sent cards out. first card I went to pay a bill, gave the lady the card number and thought I was finished, the lady said no there is no balance there. Went back to XXXX to have them unlock the cards. I got a store manager to help me. The manager call AMEX and had them look up the cards and was shocked to hear what he heard, first card was used on XX/XX/XXXX and was repacked. The manager said how can that be that card she just got the card today this morning. All cards used except for XXXX {$500.00} was still good and AMEX requested a replacement card for it. I waited XXXX days for Both replaces cards were no good. Still have not received another one. At that time I wanted a replace check instead but AMEX said no. I have cried till I cant anymore and fighting this battle. I am suppose to get married at the time this happen and had to rescheduled the date. I did some research and found out that XXXX XXXX news broadcast gave some light on the gift cards scam warning from XXXX and how many people were getting screwed by them and their policies. This is not the first time for me, the second one happened just a few days ago, XX/XX/XXXX, XXXX, {$180.00}. I got this card for a birthday present it was bought at XXXX and it was XXXX balance when i got it. I called AMEX and they had no words for me but offer to send a replace card. I got the replace card XXXX weeks ago and it was good until XX/XX/XXXX. I called on XX/XX/XXXX and there card had XXXX balance. the lady gave me information that someone called XXXX on XX/XX/XXXX and used {$170.00}. and she also gave the ID XXXX and the transaction was completed yesterday XX/XX/XXXX. The lady asked my name and I gave it to her and then the lady quickly said she couldnt give me any more information and hung up. Now today I am writing out of anger, frustration and concern for other people who have gotten hit or will get hit if this isnt put out to the public. There is enough scams going on in this world.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy federal, XXXX, XXXX And XXXX has violated my rights under the FCRA which has cuased actual damges of XXXX XXXX XXXX XXXX XXXX Defame of character, and Reduction of credit limit I've sent out several letters the last one dated on XX/XX/2021 that none of the companies named above responded to I Will attach document to the complaint. I Also have corespondence from XXXX federal stating they could not do a proper investigation which means the account should have been removed I asked for an original document bearing my signature and no one was able to provide me what I requested. They just kept saying that the account was validated but an account can not be validated without a contractual agreement bearing the consumers wet signature. XXXX XXXX and XXXX allowed Navy federal to report account # XXXX account # XXXX Knowing the accounts are inaccurate. Transition and XXXX closed the accounts instead of removing the account and XXXX has not taken the time to do anything at all. I will attach all supporting documentation and I Demand for the account 's to be removed immediately from my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The date of my final divorce decree was XX/XX/2010. Please reference Section 8 on the attached copy of the decree. It states : the home was supposed to be refinanced or sold in 6 months. This account is well over 6 months old and should not be reporting at all on my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus multiple times to remove this account however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX these companies completed Hard Inquiries on my account, has violated my rights. I did not authorize these inquiries and want them removed.

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. 

XXXX XXXX XXXX- XXXX, XX/XX/XXXXXXXX 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

In accordance with FCRA the creditor Goldman Sachs/Apple has violated my rights. Under 15 USC 1681 section 602 status I have the right to privacy. 15 USC 1681 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following entries on my credit report, which I believe to be inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$7700.00} XXXXXXXX XXXX XXXX XXXX - {$0.00} I have made numerous attempts to correct these discrepancies, submitting the required documents and following up multiple times, but no action has been taken. These errors have caused unnecessary financial hardship and have put an immense strain on my personal well-being. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report free from inaccurate or unverifiable information. I expect a thorough investigation and a resolution in a timely manner. Please ensure that these concerns are properly addressed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been inaccurately reporting information on my credit report. They listed several accounts twice on my report and placed them as charge off even though I stated they were not m accounts. I constantly ask them for proof and they can not submit accurate proof these are my accounts. I have disputed them numerous times with no response. Only two accounts were actually my accounts. One account was for XXXX and XXXX which has been paid over 2 years ago. I have been fighting with them for two years to have it reflect in good standing. That account was in good standing and was paid in full. The next account was for XXXX. I paid this in full and they still show it negatively on my report. Multiple letters have been sent to XXXX  to resolve this over the past two years and nothing has been done. My next steps are to seek legal counsel if these items are not removed immediately. Anytime I see a company uses XXXX XXXX, I deny their card. i refuse to do business with these people. They sell your information and illegally pad your credit report with false information. They even went as far to involve midland credit, who has harassed me and threatened to take my home and my car. They call 20 times a day. I have phone bills showing this. They threatened to garnish wages even though i told them the accounts were not mine and they sent me a picture of a bill saying that it was. i told them a bill does not show proof an account is mine. My signature was nowhere on the bill or their paperwork.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.
Product: Checking or savings account

I'm unable to access funds and account information after BBVA transitioned all Simple accounts to their services. Account creation doesn't work. No one is answering the phones at prearranged times. The bank didn't send any specific instructions. BBVA is only communicating contact information via XXXX to phone numbers I can not verify. For users who can get in, they're charging large fees to transfer funds out. This feels like fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion and XXXX are reporting some fraudulent accounts on my credit report.. here are the list of fraudulent accounts : DEPT OF EDUCATION/ XXXX : {$4500.00}, {$3500.00}, {$2700.00}, {$2100.00} {$2000.00}, {$1800.00}, {$1000.00}
Product: Credit reporting or other personal consumer reports

XXXX has failed to properly investigate or show proof that they verified this account and that it is accurate and complete. XXXX XXXX XXXX XXXX account on my credit report XXXX is reporting in accurately and clearly violates FCRA.
Product: Credit reporting or other personal consumer reports

I am sending to formally dispute inaccuracies in my credit report and to demand compensation for your companys repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 

Violations Cited by the CFPB The CFPB alleges that Experian engages in the following harmful practices : Conducting sham investigations : Experian fails to properly address consumer disputes by relying on faulty intake procedures and uncritically accepting responses from furnishers, even when they are improbable or unreliable. 
Improper reinsertion of inaccurate information : Experian reintroduces previously deleted inaccurate information without explanation, often under the name of a new furnisher, due to a lack of basic matching tools. 
Failure to notify consumers adequately : Experian provides notices to consumers that are confusing, ambiguous, or incorrect, failing to inform them of the actual results of investigations. 
These actions, as outlined by the CFPB, threaten consumers access to credit, employment, and housingkey areas that significantly impact financial stability and quality of life. 

My Dispute I have identified the following inaccuracies in my credit report that require immediate correction : PERSONAL INFORMATION Incorrect Name - XXXX XXXX - The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX - The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, LA, XXXX - The personal data reporting is inaccurate. 

EMPLOYER - XXXX XXXX  - The personal data reporting is inaccurate. 
Despite my previous efforts to address these errors, they persist, and I suspect your improper practices have played a role in their continued presence. 

Legal Obligations Under the FCRA Under the FCRA, Experian is required to : Ensure the accuracy of consumer reports. 
Conduct thorough and meaningful investigations of disputes. 
Prevent the reinsertion of inaccurate information unless specific procedures are followed. 
Your companys failure to meet these obligations constitutes a clear violation of federal law and has caused me significant harm, including damage to my creditworthiness and financial reputation. 

Demand for Compensation In light of the CFPBs findings and the harm caused to me, I demand the following : Immediate correction of all inaccuracies on my credit report. 
Compensation of {$1000.00} for each violation of the FCRA as outlined by the CFPB and applicable to my case. 
Expectations and Next Steps
Product: Mortgage

XXXX XXXX XXXX, GA XXXXOn XXXX XXXX, 2015, Wells Fargo sold my house through a foreclosure. Prior to the sale, I have sent to XXXX XXXX, my contact person all requested documents for the modification. Around XXXX XXXX, 2015 XXXX XXXX called me to request a new document that I have to download from the website. Because of confusion and type of document, I called XXXX XXXX to help me identify the new document.on XXXX XXXX, 2015. This document was completed and later sent to Wells Fargo prior to the sale date. Today, XXXX XXXX, 2015, XXXX XXXX mentioned that XXXX XXXX had requested of me proof of residence in that phone conversation. This is new to me and this information was never talked and mentioned in the conversation. This is another manipulation of facts or misrepresentation by the employee ( s ) of the company. At no point that she mentioned proof of occupancy.in the conversation. Today XXXX XXXX said that she wrote that statement in the side note. I was not aware of that until today. In addition, there is no over site. Wells Fargo can foreclose properties without facing any consequences. The company received TaxPayers money to conduct his business with the promise to provide loan products to minorities. So far, this promise has not been fulfill. I have requested Wells Fargo to rescind the sale of XXXX XXXX,2015. I have not heard anything yet,, The negligence for the review of HUD rules showed how powerful this institution can be. Therefore, they intentionally discriminate against me.