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

XXXX XXXX XXXX XXXX {$1200.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed Condition I did not open this account with this creditor in XXXX. If an account was opened it is fraud. 

Securitycred Balance {$500.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Unknown Condition I did not open an account with this creditor in XXXX. If an account was opened it is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XXXX XXXX, 2020, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. I requested for a reinvestigation as my right under FCRA 611 and on XXXX XXXX, 2020, Experian did not delete as requested and just updated the accounts for XXXX XXXX XXXX As relevant proof I disputed these XXXX  XXXX XXXX accounts with XXXX  XXXX since XXXX  had a different name reporting along with my other personal information, as a result XXXX  deleted the erroneous XXXX  XXXX XXXX XXXX from my credit report. I believe I have become a victim of Identity Theft. I have attached copies of my XXXX  credit report.
Product: Credit reporting or other personal consumer reports

As of XXXX XXXX XX/XX/year> there has been many hard inquiries placed on my credit report. I didnt authorize these companies to pull my credit, nor did I apply for any loans with these companies. There is XXXX inquiry I do recognize and thats XXXX XXXX  thats my current bank, but as for the others in XXXX  in XXXX and XXXX those arent my responsibility I didnt apply to these companies nor did I give them permission to access my credit/ Credit report. We have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I didnt authorize any of these.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with Ally Financial. On or about XX/XX/XXXX, I realized I would be late with my car payment as my business has gone under due to Covid. I called Ally and told them my situation and asked if I could defer the payment. I was told I would have to pay {$840.00} by the XXXX of XXXX in order to get that deferral. They sent me a letter stating such. On XX/XX/XXXX, I sent the required payment, transferred from my bank account. Ally Financial reported my account delinquent to XXXX and XXXX. I called Ally and they said they would leave a note for their supervisor, but I should go ahead and dispute with the credit reporting companies. I disputed with XXXX and XXXX. 

Today, the results came back from experian, and it says after their investigation, they found it factual, however, now it says my payment was late and not only that it says my next payment is late. Today is XXXX XXXX. My payment is not due until XXXX XXXX, I paid them 10 days ago. Although it is not even my due date it has also been reported as late. 

My credit has taken a 75 point hit due to this. I have always had an exceptional payment history and now without income and trying to keep all my accounts up to date, this credit hit is keeping me from being able to advance.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding Equifaxs failure to respond to my request to correct inaccurate information on my credit report, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite having submitted a formal request for correction, I have yet to receive confirmation or action from Equifax to address these inaccuracies.

I filed my formal dispute with Equifax on XX/XX/year>, providing documentation to verify my correct address and legal name. I requested the removal of any outdated or inaccurate information, as is my right under the FCRA. However, to date, I have not received any response, confirmation of receipt, or evidence of investigation or correction from Equifax.Details of the Requested Corrections : Address Correction : o My only valid address is : XXXX XXXX XXXX, XXXX, IL XXXX. 
o I requested the removal of incorrect addresses that do not reflect any current or past residence.

2. Name Correction : o My legal name should be listed as XXXX XXXX XXXX XXXX, and I requested the removal of any aliases or incorrect variations.

Equifaxs lack of response directly impacts the accuracy of my report and, consequently, my credit history. I believe that this issue requires CFPB intervention to ensure that Equifax meets its obligations under the FCRA and that my report reflects only verified and accurate information.Action Requested from the CFPB : I respectfully request that the CFPB investigate this matter to ensure that Equifax adheres to FCRA standards for accuracy and timely response. I appreciate your attention to this issue and trust that measures will be taken to uphold consumer rights in my case and for the benefit of others.

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I have a Robinhood investments account a someone influence me to open and fund we had domestic disputes relationship end everything has been funded through me and has my name and social security number attach to it they have tried three times to trick me to send XXXX dollars to get my assets ask me how much money you have in your bank I have a session from help desk with them and no solution other than give me five hundred dollars or all your assets and investments are gone the guy who has the phone attach to my account has it and he never answers, unauthorized trades and transactions since XX/XX/year> I haven't spoken to the person using my account. I want my funds and the unauthorized usage stopped. I verified id through XXXX XXXX on XXXX XXXX, I have XXXX I securely sent link through email they blocked my number and cursed me out. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It baffles me that I am repeatedly battling the same problems with the credit bureaus in regards to them reporting fraudulent information on my credit files ... .I have a fraud alert on my credit files for a reason!!

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 

XXXX  : XXXX XXXX XXXX ACCT # XXXX, I HAVE NEVER LIVED IN XXXX, GEORGIA!! 

INQUIRIES : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX EXPERIAN : INQUIRIES ... ..XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported our mortgage late back in XX/XX/2019 in error. They responded with a letter acknowledging the error and stated they would notify the credit bureaus to remove the late remark. 

It has been removed from all credit bureaus except TRANSUNION. 

We would like Transunion to remove this late remark from both our credit reports since it is affecting our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of this year I observed XXXX on my credit report as a inquiry. I notified Equifax and was instructed that the company ( XXXX ) would have to request to remove the inquiry. I contacted XXXX and on XXXX I received a letter ( attached ) requesting my name, address, last 4 digits of social security number, date of inquiry, and reason so Equifax can remove the inquiry. I also forwarded the letter in XXXX, via mail, and have not received and type of response back. I contacted Equifax 's dispute department and the representative stated I would have to request the inquiry to be removed from the company. I informed her I did and forward a copy of the letter too. This was done in error and just want Equifax to do the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several emails to LexisNexis because they are providing incomplete and/or unverifiable information about a public record or Bankruptcy to XXXX XXXX  and XXXX 
LexisNexis informed that the information is verified to the 3 major credit bureaus but they havent verify that information. 
Please see the attachments as evidence and as my last request.
Product: Money transfer, virtual currency, or money service

Yesterday my dad wire transferred {$30000.00} to my Coinbase account. It has been a full day and still haven't seen the money in my account. His bank says the wire went thru but it is still not in my account. I have al the documents to show proof. I have tried calling and submitting a formal complaint and have not heard anything.
Product: Credit card or prepaid card

The fraudulent billings on my Bank of America Mastercard XXXX came to my attention on XXXX XX/XX/XXXX after review of the prior year 's Bank of America charge card statements for XXXX. The review was done to gather information to prepare my federal tax return for XXXX. 
These fraudulent billings to this credit card all had one thing in common - XXXX ( merchants name ) '. After researching these items with a call to XXXX on XX/XX/XXXX, it became clear they were billed from a rogue account. This account had been opened by a relative of one of my employees. This employee had been hired a few years earlier to help me manage my sole proprietor business. I provide eye care services and products. 

I called Bank of America on XX/XX/XXXX, with the list of fraudulent billings from this rogue account per XXXX fraud department. Bank of America 's fraud department closed the account, and issued a new credit card XXXX. They investigated the matter. They agreed, and found all the fraudulent billings. They issued credits of {$68000.00}. I agreed this was correct, and they closed the case - per letter from Bank of America XX/XX/XXXX. 

I had also filed a report with the XXXX Police Department on XX/XX/XXXX. The report # XXXX was investigated by Detective XXXX. He did confirm the XXXX account is fraudulent after issuing subpoenas. The fraud case is ongoing against those involved as other issues arose from this investigation. All this information had been given to Bank of America. 

Surprisingly, on XX/XX/XXXX, I received a letter from Bank of America charging back /denying all my credits. This letter stated the merchant ( fraudster ) reported I received product and had a subscription that was delivered to my address. Again, I called Bank of America to complain the fraudulent billings were unauthorized. They had been paid by my accounting staff at the time ( rogue employee ) with billings from her relative 's rogue XXXX account. 

I wrote a letter on XXXX XXXX to Bank of America in reply. However, they denied my request. Thus, I closed the Bank of America account ending XXXX. I have not paid any of the fraud charges to date. Thus, my credit score was ruined since Bank of America reported this. They continue to refuse to issue back unauthorized billing credits. 

I believe XXXX had a reponsibility in detecting fraudulent activity, and the opening of this rogue account. If their systems detected numerous billings going out of this rogue account to just my Bank of America account -- it could have been prevented. Bank of America should have contacted Bank of America to confirm this account was indeed fraudulent -- as the XXXX Police Department found through subpoenas. 

I also believe Bank of America should adhere to their written policy in not having consumers be responsible to pay for fraudulent billings. If they investigated the matter thoroughly by contacting XXXX, this matter would have been resolved correclty. 

In summary, I have exhausted all other avenues to have my Bank of America account credited back appropriately. I now hope to have CFPB to investigate this matter to apply back credits due to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My girlfriend of XXXX years took out several fraudulent cards and opened accounts in my name after we broke up. I didnt accuse her of these originally but she used her email address ( XXXX ) on the accounts and her was current mailing address ( XXXX XXXX XXXX XXXX, XXXX XXXX AL ). Ive never lived or visited said address ever. 

For instance while together I added her to my XXXX XXXX XXXX account as a primary user and she went and got internet and other services after we broke up & never paid the bill. 

Im guessing with the cards they may have came in the mail and she knew my information to active them from there but she couldve easily just applied for them. I have messages between us once I found out she had done it but besides that and her information on file thats all I have to prove I did not open these accounts. As well as a police report but the cops havent been much help at all. I have W2s to show Ive never live at this address as well.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a dispute via certified mail through USPS to XXXX. They received my dispute on XX/XX/2024 at XXXX. The tracking number is XXXX. I asked for the dispute results to be sent to me by mail and they failed to do that. They sent me my results by email on XX/XX/2024 at XXXX. I also asked upon completion of their reinvestigation, I am also requesting the business name, business address, and telephone number, if available, that was used in connection with this reinvestigation. Lastly, please provide a description of the procedure used. But they have failed to send me the method of verification and based on what I asked for in the letter. I'm publicly asking for XXXX to provide me with the verification of the information about these entire accounts that I asked for in my dispute. I believe that there wasn't a true investigation based upon the benefits that XXXX and the furnishers that provide this inaccurate and incomplete information on my credit report which is hurting me and my family deeply and financially. I asked that XXXX DELETE the following accounts that I sent in my dispute. If the information can't be proven to me to be accurate and complete. I also asked for a copy of my credit file and XXXX has failed to send this to me, which I have a right to have access to. The report number from their finished investigation is : XXXX. Please Delete the following account from my credit file : 1. Regional Acceptance Corp XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from bank of America on XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score
Product: Debt collection

I sent a initial dispute letter to National Credit Systems on XX/XX/2018 ; follow-up letters on XX/XX/2018 and XX/XX/2018 asking the company to validate and verify the debt. Tell this day I did not receive proper validation of debt of ownership of dept from National Credit System. The company sent me a part of a rental lease an a bill. This isn't proper validation under FDCPA. Not only did I request for validation of debt, proof of ownership and many other requirement by law, I also provided them proof of inaccurate reporting errors on my credit reports. 

Also, I sent disputes to the all three credit bureaus ( XXXX, XXXX and XXXX on ( XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018 ). Again, asking for proper validation and investigation of inaccurate reporting data. 

Unfortunately, I only received letters from the credit bureaus stating the account was " verified as accurate ''. 

Please help!
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a rewards checking account and a credit card with Upgrade. Through XXXX XXXX there was an advertised bonus for {$500.00} if both were opened and XXXX transactions were completed with the debit card that came with the checking account. The checking account was approved that day, but the credit card was not approved until 8 days later. After completing the terms of the agreement and contacting Upgrade customer service they stated that I now had to use the credit card for a few months in order to receive the bonus. I completed those terms and paid the monthly bill on time for multiple consecutive months. 

On XX/XX/XXXX, I again contacted customer service asking why the promotional offer had not been honored. The customer service agent stated that because the checking account and credit card were not opened on the same day that the offer would not be honored. The credit card was not approved until 8 days later, even though that was the product that I had applied for first. 

Upgrade is refusing to pay out a promotional offer with deceptive practices. The accounts were opened in the order which the terms stated, but by not approving the credit card days later they can avoid paying out the promotions.
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. 

XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  : XXXXhas 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.
Product: Checking or savings account

I received a promotional offer from Citi. If I opened a new savings account between XX/XX/2022 and XX/XX/2022 and put in {$50000.00} or more, I would receive a {$450.00} bonus. 
I opened the account about XX/XX/XXXX. That was the day the account was funded with {$50000.00}. I received an email from Citi on XX/XX/XXXX " Thank you for enrolling in the Citi Accelerate High-Yield Savings Leveled Bonus Offer '' So I know I had followed the rules of the offer. 
I have not withdrawn any finds form this account, so I should have qualified for the {$450.00} bonus. 

I have called in several times and finally opened a dispute on XX/XX/XXXX. 
I've received no updates. When I call in, they just say the dispute id still pending. 
The dispute number is XXXX. 
Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. XXXX, The actions of XXXX and the actions of our previous attorney XXXX XXXX removing XXXX  from the XXXX litigation without our consent or knowledge was a backdoor deal that granted XXXX plausible denial and lack of liability. We were told, " we could not sue everyone it would be a waste of his time and our money ''. The judgment was awarded against XXXX but we know the odds of collection. Three months were wasted due to a gross miscommunication in which XXXX still thought we had legal representation and thus would not communicate with us. We were told we own the loan, the delays have cost us the rebates that would have paid for the panels in full. 

Your erogenous deferment error dropped my credit score by XXXX  points and counting overnight! Applied for XXXX in interest-free financing for 12 months and denied by XXXX XXXX XXXX XXXX while just the week prior XXXX in new credit and a XXXX line of credit extended by my bank. Ordered an item from XXXX XXXX that never arrived. Check my credit report and my account is closed and I am now considered " High Risk '' due to the actions of XXXX. Your immediate removal of the " alleged error '' was not the solution this never should have happened XXXX had all of my checking information to automatically pull a XXXX payment and chose not to do so for the third time! This was supposed to be handled by you personally and not by automation for the third time. 

The actions of XXXX were a gross breach of contract not once but three times and each infraction impacted my credit maliciously and adversely. Your lack of immediate communication on this matter further impacted the situation. 

I consider the actions of XXXX to be predatory lending and will require years for credit to be rebuilt. That being said we are holding XXXX liable to the fullest extent of the law in this matter. In one day XXXX changed our lives and you have one day to fix the damage. The creditors affected by the actions of XXXX the credit agencies that received the report from XXXX now consider me high risk due to a fifty-plus one-day drop in my credit score. 

Your removal was only after you were informed due to me checking the credit report. XXXX had taken no responsibility has not contacted any of the credit entities on my behalf and this is not the first time over the course of two years that this has happened. XXXX failed to properly vet XXXX XXXX resulting in the loss of two federal rebates legal fees for a hollow victory with a deal made against our wishes or knowledge with XXXX. XXXX XXXX leaving us totally liable for over XXXX XXXX dollars. The processes to activate the panels were intentionally stalled Failure to comply will result in complaints to appropriate consumer and financial entities to include legal action if not resolve with resolution and compensation. XXXX  due to the actions of XXXX XXXX XXXX denied zero interest on one account and closed an account in good standing due to your misinformation of ninety-day delinquency expect to hear from you on this matter.

Respectfully,