23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The XXXX XXXX  credit reporting bureaus XXXX, XXXX, and Transunion are not removing non verifiable adverse accounts off my account. XXXX XXXX XXXX, has never provided me with ALL the accurate verifiable information, so I am sure they could have not provided it to the credit bureaus. These credit reporting bureaus know they are getting paid by these companies to falsely place and keep negative items on consumers credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I looked at my report, and noticed XXXX and Experian are still reporting inaccuracies on my report. I disputed the items on XX/XX/year>, XXXX sent me back there response stating that they investigated the item and the account is complete and accurate. However I looked at my report and noticed everything is still the same. I sent another letter to both XXXX and Experian asking for proof of verification because they are reporting inaccurate information and according to the FCRA I believe they have laws that these companies are supposed to follow yet they are ignoring the laws and penalizing me for there inaccuracies. XX/XX/year> I sent my letter to Experian asking them to reinvestigate the inaccurate account : XXXX XXXX XXXX, here 's the tracking number : XXXX XXXX XXXX XXXX XXXX and on XX/XX/year> XXXX XXXX for the same XXXX XXXX XXXX XXXX tracking number : XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX Experian sent me back the same thing stating that they investigated the account and its complete and accurate. XXXX sent me the the same response XXXX week later. How are these accounts complete and accurate when they are reporting that my last payment was made on a date that is considered a C/O. I consulted with my lawyer friend and I have proof of all the inaccuracy also the lawyer stated that by law they are supposed to remove any inaccurate account from my report. My lawyer friend also stated that after any reinvestigation according to 15 USC 1681i 5 " ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed, 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. Also according to 15 USC 1681s-2 this is supposed to happen ( 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. 
XXXX and Experian really did not investigate or reinvestigated the account, they lied on an official document saying they did something they did not do and I have evidence to prove my case. XXXX deleted the item I disputed and XXXX and Experian continue to lie about they're investigation. Why do we have laws, rules and regulations if they are not following it??? 
I've attached all of my proof.
Product: Credit reporting or other personal consumer reports

My credit report contains incorrect entries involving hard inquiries I never approved, violating 15 USC 16c-2. Please take steps to remove them immediately.
Product: Credit reporting 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 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, often than records of conviction 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: Credit reporting 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 XXXX XXXX 15 U.S.C 1681 section 602 A. States | 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 15m of momation other stares : ion umation oter than armat any cions of crimes concaniedates te repoor 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit on a credit card account under an open consumer credit plan as late for purpose.
Product: Debt collection

I pulled my three major credit reports, and I noticed there were a number of medical collections being reported by Commonwealth Financial. They are from 4 to 5 years ago, but only began reporting at the end of XXXX. I never knew these collections existed before seeing them on my reports. I have disputed them with the various bureaus, but they arent all deleted. Some, Commonwealth Financial reported back as verified as being accurate. Ive looked into it and see that Commonwealth Financial isnt even a legitimately licensed collection company. According to the clerk at the Florida Office of Financial Regulation, she said that Commonwealth 's license to collect debt in Florida was revoked in XXXX. Im not sure if this has something to do with why Im seeing collections that Im not sure even exist, or what is happening. But I dont understand they can verify debts they arent even licensed to collect on. And if they cant collect, how are they supposed to inform me of it so I can properly get it taken care of before it ruins my credit?
Product: Checking or savings account

Bank of America ( BofA ) Sent me a letter inviting me to open a checking account : XXXX. Before XXXX, XXXX, 2022. 
XXXX. Enroll the account with the unique offer code XXXX XXXX. " Set up and receive XXXX XXXX XXXX totaling {$4000.00} or more into that account within 90days of account opening ''. 

The letter said if I did all 3 above, I will receive {$300.00} as a bonus offer. 

I opened the account on XXXX, XXXX, 2022. I enrolled the account with the unique offer code and I have set up and received XXXX XXXX XXXX {$2300.00} on XX/XX/2022 and {$2300.00} on XX/XX/2022, totaling {$4700.00} in the month of XXXX alone. My salary is paid twice in a month. 

Based on this and my interpretation of their offer, I believe I have met the conditions and should receive the {$300.00}. 

However BofA is claiming I failed to meet the number 3 condition above because it is in 2 installment of {$2300.00} ( i*e. {$2300.00} * XXXX = {$4700.00} ) and not a single {$4000.00} direct deposit payment. 

I believe their interpretation of the letter they sent to me ( which is attached to this complaint ) is wrong and I have met all the 3 conditions above. 

Account Number : XXXX Phone number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX XXXX listed a hard inquiry on my credit report that I did not make. Upon requesting removal, I was told to file a police report if I thought it was wrong. I have no loan through them and I wasn't even in their system when I called to inquire about its removal.
Product: Credit reporting or other personal consumer reports

Personal Statement Under 15 USC 1681c-2c ( a ) The credit report agency must block and remove any alleged pecies of information the customer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 
XX/XX/XXXX - amount {$26000.00} XX/XX/XXXX - amount {$0.00} XX/XX/XXXX - amount {$0.00} XX/XX/XXXX - amount {$910.00} XX/XX/XXXX - amount {$520.00} XX/XX/XXXX - amount {$1300.00} XX/XX/XXXX - amount {$1300.00}
Product: Credit card or prepaid card

On Sunday, XX/XX/XXXX- I tried to order the XXXX XXXX fight via XXXX XXXX. It was a world wide problem with streaming services and fight, they literally delayed the fight because so many could not watch it. I tried to order on XXXX and it never gave me the option to watch the fight - only to keep renting it. I was on the phone for 45 minutes on hold with XXXX tech support, never reaching anyone ( which they acknowledged since high volume that night ) I gave up. 

I find out that i was charged for the fight. I contact XXXX and they say they are not offering refunds on XXXX and to dispute it with my bank. I dispute the charge with Citi, under advisement from XXXX themselves. Citi sides with XXXX and will not be refunding me. Neither party can answer how I was charged for a service that could not be delivered and neither party will be giving me my money back.
Product: Credit card or prepaid card

I made a payment for XXXX dollars to my credit card and Bank of America claimed they never got it. I went into a local branch with a copy of the check. The banker found my check in five minutes it was applied to someone other than my account. The customer service rep in the back office of Bank of America refused to let the copy be faxed or emailed in. I have tried for 25 days to resolve this issue. I am XXXX XXXX XXXX and been a client of theirs since 2004. They have been calling me and emailing me about late payment. This was totally their fault yet they are charging me late fees and interest..
Product: Debt collection

On XXXX i checked my bank account and seen i was in the negative about XXXX i called my bank account and followed the process .. they had told me that a debt collector by the name of XXXX XXXX XXXX and they wed have to get in contact with that guy. We called right after on that Friday and got no answer.. Ive sent XXXX emails asking for any type of clarification and Ive gotten no answer, now its Monday and Im still down XXXX with no response from the debt XXXX.
Product: Debt collection

Hello : My name is XXXX XXXX. I have a complaint in regards to a debt collection agency named I.C. System. I disputed this debt and recieved the following from XXXX. 

XX/XX/XXXX Completed I C SYSTEM Reported on XX/XX/XXXX {$1100.00} Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 
Dispute Reason Ownership : This is not my account. It belongs to a relative or a person with a similar name or address. 
Dispute Results From XXXX I log on to my XXXX XXXX report, on XX/XX/XXXX to find this company has now sold this non-valid debt to XXXX, XXXX phone number XXXX two days after the completion of this report on XX/XX/XXXX. XXXX XXXX XXXX has now reported this to XXXX further damaging my credit. I attempted to dispute this directly with XXXX ; however, now XXXX will not let me do so due to the system being temp. down. This is not okay and I expect results. These debt collectors practices are illegal and should be prosecuted to the full extent of the law.
Product: Credit card or prepaid card

I need this company to take this fraudulent account off my report I have reached out to them and have not gotten a response, I never opened this account and have send many letters fax and emails they have failed to reply to me and its because they dont have the documentation bearing my signature that I asked for ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a resident at XXXX XXXX from XXXX and had made numerous complaints and requests concerning a neighbors barking dog at all hours of the day and night. Per their policies, tenants are responsible for their pets causing unnecessary noise and large dogs are forbidden on complex grounds. This was a very large aggressive XXXX that barked and howled repeatedly. I made numerous complaints to the management and even attempted to contact the owner of the dog. The management instructed me to write a letter stating the nature of the complaint in order for to take legal action against the owner of the dog. I even contacted the local XXXX XXXX ; their contracted security personnel and repeatedly visited the office concerning this issue. After my letter was written, the management took no action against the owner of the dog. I am a XXXX veteran with XXXX and my VA appointed XXXX wrote 2 letter for me to get an XXXX XXXX animal due to the stress of this dog causing me lack of sleep and a poor quality of life. My lease came due and I initially refused to renew my lease and then the management stated they would move the owner and dog across the complex which they did not follow through. With my doctors letter and for my sanity, I moved out of the complex. This was discussed several times after my move with the owners of the apartment complex, which resulted in nothing being done.
Product: Mortgage

My mortgage is serviced by Caliber Home Loans. On dozens of occasions I have received email and mail marketing solicitations from their originations unit, encouraging me to refinance. On at least five occasions, I requested to be removed from their marketing list electronically, to no avail. I then called a representative and asked to be removed, again to no avail. Finally, in XX/XX/XXXX, I emailed XXXX XXXX, Caliber 's SVP of Strategic Growth whose signature graces every solicitation. I received a letter back on XX/XX/XXXX apologizing and confirming that I had been removed from the marketing list, and cautioning that I may receive one more mailing. Over the past few weeks, I have since received multiple additional letters in the mail. Today, I received a letter dated XX/XX/XXXX, weeks after I received written confirmation that these annoying letters would stop. 

My right to opt out is guaranteed by the Gramm-Leach-Bliley Act. Either Caliber 's process is unable to comply with my request, or they are willfully ignoring my request. Either way, it 's time the federal government knew about it.
Product: Credit card or prepaid card

I was approved for my Chase Credit card on XX/XX/XXXX and according to Chase 's terms and conditions the billing cycle of which the date the month ends matches the number of days in the month to ensure the due date is the same every month. So it's either XXXX or XXXX ( unless it's XXXX then it's XXXX or XXXX ). My first statement was closed on XX/XX/XXXX, of which only gave my first billing month 26 days, instead of 28 days ( or XX/XX/XXXX ). Other cards that I have opened with Chase have closed according to the normal Chase terms of the number of days in the month. I spoke to Chase on XXXX occasions first being XX/XX/XXXX and after speaking to them and then put on hold to speak to a supervisor they claimed they had issues and it disconnected my call. I called back immediately but after talking with a customer service representative they said I would have to wait in the que again for another 15+ minutes to talk to a supervisor. I asked to leave a message to have them call me back the following day but they said that wasn't possible, I hung up because I wasn't able to hold for a supervisor. I called back on XX/XX/XXXX again spoke to a representative and then was put on hold to speak to a supervisor, and after 10 minutes or so I spoke to a supervisor. They understood my complaint and said it would have to be resolved with the " back office. '' The supervisor said they would contact me but still haven't, when I asked about a phone number to contact the " back-office '' they said they don't have one and they can't be contacted. This last supervisor said they did notice my length of my first statement was only 26 days but wasn't sure why as it should have been 28 days since it was XXXX.
Product: Debt collection

Printed my credit report and noticed i had a bill for a medical debt. Wrote the 3rd party collector and asked them to valida te the debt .They sent a letter with a bill that includes my name and no proof. I have asked them to validate and verify the debt but all they did was send a itemized statement provided by the medical provider. A bill is not validation. It is hearsay. I need them to send me the contract I signed? Where is the full accounting? Where is the contract showing that you have been giving the right to collect on this alleged debt from the original creditor?
Product: Mortgage

On   XXXX   XXXX   XXXX    , Mortgage  XXXX  promised me by email a  XXXX  rate lock on a  XXXX  -year fixed refinance. The 45 days started on   XXXX   XXXX   so the rate lock period should expire on   XXXX   XXXX       On   XXXX   XXXX   I was asked by Mortgage  XXXX   XXXX  to sign " missing '' initial documentation. On this allegedly " missing '' documentation, the rate-lock period had been changed to expire on    XXXX   XXXX    which would amount to a rate lock period of 24 days instead of 45 days. This was a major red flag. I am in North Carolina and Mortgage  XXXX  is in  XXXX   XXXX . The distance made it especially important that I could wholeheartedly trust this company. They had no right to alter a guaranteed rate lock.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - XXXX I was never late on this account- Please check status on this account the past due information is wrong XXXX XXXX XXXX I was never late on this account- Please check status on this account the past due information is wrong XXXX - XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX ( exact dates can't be seen due to being frozen ) I wanted to transfer {$300.00} from our sofi checking to our sofi savings. I clicked submit, and I noticed the default bank was a XXXX XXXX account I had just closed. I contacted customer service through the online chat. I explained what happened and was told it was no problem, the transaction would just be declined. On XX/XX/XXXX the {$300.00} was declined. On XX/XX/XXXX I called about the frozen account, and was told it was frozen due to fraud. I explained I realized I had the money transferred from the wrong account. On XX/XX/XXXX I was emailed after making a complaint, stating to contact sofi about my account. I called and was told it was closed and the remaining balance would be transfered to the only bank account on file. The account is still in the " process '' of being closed because they deemed it fraud. I have called on XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX all in XXXX, and once on XX/XX/XXXX. With every call stating I will be notified when the account is closed. 3 months to get this resolved is ridiculous. It was an honest mistake that I tried to fix immediately after I noticed.The money I am owed is {$870.00} in the checking account, and {$700.00} in savings.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRUAD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Checking or savings account

I opened an account with HSBC. I had a difficult time initially funding the account. I made a small deposit followed by a {$400.00} deposit. I received a {$40000.00} transfer into my account. The next day I wanted to use a wire transfer to another account. I was told that the account was suspended. I called and talked to some who would relay my concerns to the bank 's fraud department. I was told that the account was under review. The bank keeps delaying their decision to reopen or close the account. They are stalling. I ask for an expedited decision and was told a decision would be made on a Friday. The following Monday I called and no decision was made.
Product: Payday loan, title loan, personal loan, or advance loan

There is something suspicious going on with the lender company Upgrade, where I had successfully completed payment, as confirmed by my bank and yet theyre bombarding me with stressful emails saying payment failed. The payment did not fail ; it shows as paid on Upgrades site and on my bank statement. And yet Upgrade customer service is insisting it has failed due to my account being closed. The bank account I used to make payment is certainly not closed. 

This leaves me in doubt as to whether its actually been considered paid or not. This is not a doubt I have usually when paying any bills, as confirmation is straightforward and easy to obtain. Not the case here with Upgrade however. This is causing me undue anxiety, as I am left with uncertainty and I am desperately trying to improve my credit score and can not afford to have any negative marks due to issues that were not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a charged off account from XXXX. The company continues to report a past due balance. Experian and XXXX  continue to post 90 day lates each month from the company. In addition, the close date is only shown on XXXX  and not Experian or XXXX. The date of last activity is listed as XX/XX/XXXX on XXXX  and XX/XX/XXXX is shown on XXXX. Experian doesnt show anything. XXXX and Experian do not show a high balance but XXXX  does. 

My FCRA rights are being violated and the account needs to be immediately removed. This account has been reinvestigated multiple times and is not being corrected which violates my FCRA rights in section 611- more specially how to handle inaccuracies and unverifiable information. It is clear that each reporting agency hasnt done this with previous investigations. 

My attorney will file a lawsuit in XXXX XXXX, GA because this is harming my changes of obtaining a mortgage. 

Remove this account as enough time has been provided to give accurate information.