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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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 a account without my written instructions. 
The following Accounts Account name XXXX XXXX XXXX Account number:XXXX Date opened : XX/XX/XXXX Status : Closed. {$12.00}, XXXX written off. 
Status updated : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

THIS FALSE AND INNACURATE REPORTING AND FAILURE BY EQUIFAX AND XXXX TO PROPERLY INVESTIGATE MY CREDIT REPORT DISPUTES AND TO REMOVE THE FALSE REPORTS FORM XXXX XXXXXXXX XXXX AND XXXX  HAS CAUSED ME FINANCIAL HARDSHIPS. These repeated denials have had a significant impact on my financial stability and opportunities, making it difficult for me to access necessary credit and improve my financial situation. I have been denied an apartment on 3 occasions, credit on multiple occasions due to the lack of properly investigations into what I asked them to investigate, false reporting and inaccuracies on my credit reports, in XX/XX/XXXX : Denied a credit card application from XXXX ( Equifax ), Denied a personal loan by 2 Financial institutions due to ( XXXX ) XXXX XXXX : Denied a car loan by XXXX XXXX XXXX ( Equifax ), in XX/XX/XXXX : Denied a mortgage pre-approval by a Mortgage Company ( XXXX ). In XX/XX/XXXX : Denied a credit line by XXXX XXXX XXXX ( Equifax )., XXXX : Denied a home loan by XXXX XXXX  ( XXXX ), in XX/XX/XXXX I was Denied a small business loan, XXXX XXXX ( XXXX ) XXXX : Denied an apartment lease application by a XXXX XXXX ( Equifax ). XX/XX/XXXX : Denied a retail store credit card by XXXX XXXX ( XXXX ). 

I decided to try to figure out my credit and noticed several inaccuracies on my credit reports from Equifax and XXXX, which I believe are negatively affecting my credit score. I contacted both bureaus to dispute these inaccuracies, requesting a thorough investigation and correction of the erroneous items. Despite providing all necessary documentation to support my claims, the bureaus did not properly investigate my complaint. The inaccurate information remains on my credit reports, causing ongoing harm to my financial well-being. ''
Product: Money transfers

Issued a wire transfer recall. The receiving bank is requesting that Chase bank provide XXXX with an indemnification agreement. In turn I would then sign the indemnification agreement, so that Chase bank is not held liable.
Product: Mortgage

I 'm a XXXX XXXX veteran, I applied for a modification to keep my home in which the VA is the gauranter. I feel they turn me down unfairly, I feel they did n't even try. They reveal to me that they went by a scale to determine my financial ability which I do n't think they considerd the details of my modification. Can I request your assistance with this matter? This is my XXXX home an I want to keep it but, I do n't feel I 'm getting a fair chance. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a complaint to XXXX and Experian credit reporting companies well over a month ago with a copy of my Identity theft police report, FCRA 605 B, my ID NYS Drivers Lic. utility bill, and a narrative of what was fraudulent on my report circled and spelled out what had happened and I want the items blocked from my report immediately, and that was well more then a month ago, as I sent them certified and they were returned to me XXXX XXXX and it is XXXX XXXX and just got a letter from XXXX XXXX that they need my id as they cant find my file, that is a lie they are stalling to correct my file and I want my file corrected now as I was a victim of id theft. I sent them all necessary paperwork and they are not following the regulations set forth by FCRA 605B that they are to block all info within 4 days or receiving dispute and they have dispute well over a month. I demand that my file is corrected immediately as XXXX and Experian was directed and FCRA 605 B states within 4 days ....
Product: Credit reporting

I have been the victim of identity theft fraud and my attorney has submitted several disputes to the credit reporting agencies along with proof that the accounts and bankruptcy was fraudulently filed in my name. They have yet to delete any of the accounts, inquires and BK filing. They are literally holding me hostage to a debt that I did not create. I need assistance immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent several certified letters to verify accounts that supposedly belong to them and they came back stating they investigated them but they couldnt have because none of these companies have not sent verification documentation to me. However, they did state they will not investigate anymore after I submitted certified proof. I feel like they have not done their job and violated my rights. The credit company nor the collection companies.
Product: Debt collection

First Financial Resources , Inc contacted me stating that I owe a balance of {$2200.00} that I never applied for or received.

This account was fraudulent opened using my personal information with no agreement signed. I reached out to the company for the original contract from XXXX XXXX XXXX XXXX signed and the purchase agreement According to Identity Theft and Assumption Deterrence Act ( ITADA ) - identity theft and provides remedies to victims. It allows victims to dispute fraudulent accounts opened using their personal information.
Product: Credit reporting or other personal consumer reports

I have been complaining to the three credit bureau about these fraudulent accounts. I did everything they told me to do and I haven't received a response.
Product: Debt collection

CBA collection burea is illegally reporting on my credit reports a fraudulent account that they know is fraudulent. This company since XXXX of XXXX  has been reporting that I owe some mysterious company {$840.00}. They have absolutely refused to provide ANY thing to verify this account. A copy of a fraudulent bill is NOT evidence of legitimate account.
Product: Credit card or prepaid card

On XXXX XXXX, 2019, I made a payment from our checking acct in the amount of {$4000.00} through XXXX XXXX XXXX bill pay to XXXX Master card, Barclay Bank and the following day I realized that payment was suppose to go to XXXX XXXX XXXX Visa.  So I called XXXX and asked them to intercept this payment but was told that they couldn't. So I called Barclay bank and asked to return my $ but at that time the payment hadn't processed yet so they couldn't do anything. The following day, I called again and asked to have that money returned to my XXXX account electronically but was told they don't do that but they would return the funds by check and it would take 7-10 days. We were going away so I assumed the check would be in our mail upon our arrival him. XX/XX/XXXX, no check. On XXXX, I called Barclay Bank and asked where my check was and was told it was sent back to bill pay processing company. ( Payment Processing, XXXX XXXX XXXX, XXXX Ill. XXXX ). A case was created XXXX and an investigation began & I would hear back in once again 7-10 days. I then called XXXX and they conference called Barclay XX/XX/XXXX with me and requested they transfer those funds and again was told they don't do that. XXXX  requested batch # of that refund check to XXXX XXXX & Barclay requested proof from XXXX that payment was withdrawn from our account and not returned to that account. XXXX faxed info & on next conference cal XXXX requested transaction # for round check, Barclay-no transaction #, how about a batch #. Barclay was to fax the batch # to XXXX within 48 hrs. Next conference call On XX/XX/XXXX I requested a supervisor from Barclay & she gave XXXX a transaction # of XXXX & they once again were to fax a copy of returned check to XXXX and I requested a copy mailed to me, that would take 15 business days. As of XXXX I still have no answers let alone my funds. I emailed a complaint to Delaware banking commission and am still awaiting a reply. XX/XX/XXXX after a call to XXXX, was told they're still investigating it. XXXX case # XXXX. I expect my funds returned and as I've expressed to both banks that if I'd been late all this time in paying my fees & interest on that amount of money would be astronomical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There is a collection account that shows up on my credit report every 3 to four months which damages my credit report.I have had this same collection account removed from my reports three times already.This latest company has posted it to my credit report again dropping my credit score. I now have gotten a notification from the bureau saying it has been flagged as seriously overdue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit.. and found a few accounts that where not mine.. I contacted the company and the court house it should have been removed.. well over thirty days ago.. still no response..
Product: Debt collection

I was a victim of identity theft and noticed a collection from BERLINWHR-KS I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against BERLINWHR-KS in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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: Credit reporting or other personal consumer reports

I looked at my credit report on 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 ( XXXX ) 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. 

Here are the list of accounts that are not reporting accurately ( Name and account numbers ), delete accounts immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. The account ( s ) with 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 I never gave anyone consent or permission to sell my information which is against the law to do so, the first violation that was committed was the FCRA law 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts :, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I was ordering online a mattress pad from XXXX 's online when a pop up asked if I wanted to apply for a XXXX 's card. I had unlocked my credit to apply for a XXXX 's ( which went smoothly ) and a XXXX 's card from XX/XX/2018 to XX/XX/2018 to do so.I was told by experian that it would be good to place a fraud alert since I was removing my credit freeze for 3 months. So I said that would be fine even tho I have never had any fraud. I applied for the XXXX 's on the pop up on XX/XX/2018. I could not see anywhere on the pop up that the application had gone in. On XX/XX/2018 I called the XXXX, XXXX number and asked if they had received the online application. The representative said just give me your information and I will put it in and they will contact you. I then received a letter from XXXX, s XX/XX/2018 saying declined unable to verify identity information. They had used experian. On XX/XX/2018 a letter from XXXX, s again saying declined because I was recently declined.They had used experian. I called XXXX 's to explain the above situation of 2 applications. The representative had no answer for me on what to do. On XX/XX/2018 I received a 3rd letter from XXXX 's saying I was declined because unable to verify credit reference due to security alert. ( which experian had recommended ) and they had used experian. I called experian for my credit report and it was fine.They had no answers for me. I would like to know why I could not get a supervisor at XXXX 's or Experian to look into this and help the consumer ( me ) .I understand XXXX 's is not obligated to issue credit to anyone.This is however a very frustrating to me since I trusted both Experian and XXXX , s.
Product: Credit card

I received an email from Indigo Mastercard from Concora Credit that I had applied for a credit card and I need to unfreeze my XXXX XXXX credit report. 

I did not apply for this credit card. I have tried to figure out how to contact concora credit but they only have a phone number listed for contact. Im a US merchant XXXX currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have limited internet connection and am unable to make a phone call to the credit card company.
Product: Checking or savings account

On XX/XX/2018 I noticed 3 unauthorized charges on my checking account. It was 3 separate transactions done at XXXX XXXX at XXXX XXXX  for {$720.00}, XXXX XXXX for {$560.00}, and at XXXX XXXX for {$760.00}. I checked my account at around XXXX XXXX that same day and upon noticing the charges I immediately called my husband to let him know what was happening. I also asked my boss to let me go down to the Chase bank down the street, he said yes. Once I got to the Chase branch they called the help line for fraud, they asked if I still had my debit card on me and I said yes, because I did and I showed it to the banker. I asked her how this was possible if I still had my debit card on me and she said it could be something called " skimming '' and she advised me to use my credit cards for all purchases from now on. I was told by the person on the phone that they could email me an affidavit that they needed me to return signed so that they could open the investigation. I agreed to having it emailed.Five days later ( XX/XX/2018 ) I had not received anything to my email so I walked into another branch where someone assisted me and they fax in the signed affidavit ( where I say that I am in possession of my card, and that NO, I have not given my pin to anyone else nor did I approve {$2000.00} in charges at XXXX XXXX ). I was assured that Chase would look at everything, and investigate thoroughly before making a decision on the claim. Today, XX/XX/2018, my husband ( who is a joint owner of the checking account ) received a letter in the mail saying that the claim had been resolved. We called the number on the paper, once we got someone on the line they told us that the claim had been denied. It was denied because the card had been used with the chip, and there was no incorrect tries entering the pin. I've asked if they can say with 100 % certainty that a chip reader was used, they wont tell me. My husband asked why does the checking account say that the transactions happened at a XXXX XXXX in XXXX XXXX, but when you click on it for details it says it's located in XXXX, TX which is actually almost 3 hours from where we live? I explained that I was at work the whole time with my card, while these transactions were happening and I have time sheets/location services that can prove it. They are still denying my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a dispute with Transunion requesting that a XXXX  negative item be removed from my credit report due to the first day of delinquency had exceeded 7 years. 
Transuion did not remove XXXX negative item despite the FDOD being longer than 7 years. 
Transunion investigated the dates of the MOST RECENT transactions instead. 
Transunion said the most recent transaction were correct so they were not going to update my credit file. 

My dispute was not about the most recent transactions dates - it was about the oldest transaction dates with exceeded years. 
Transunion removed the older dates from my credit report - having it appear as if the 7 years had not been reached. 

Since I am making this complaint there is another item - A XXXX XXXX debt that has also passed the 7 year DOFD. 
I want transunion to follow the law & update my credit report with the removal of FDOD items. 

I placed the same dispute with XXXX  - they removed both items that were beyond the FDOD reporting window. 
I placed the same dispute with XXXX - XXXX also didn't investigate the FDOD - they confirmed the dates of the MOST RECENT activity - exactly as Transunion has done.
Product: Debt collection

I have repeatedly attempted to contact XXXX XXXX since XX/XX/year>. I still have received no response to voicemails or my email. I am growing frustrated with this lack of communication and it feels like unfair debt collection practices. Being that its now been more than 60 days from my original request of information. I am requesting this debt be discharged. I have also attached proof that I called on XX/XX/year> and left a message. That call was never returned either.
Product: Credit reporting or other personal consumer reports

I checked my credit report because I got a letter saying that my credit was involved in a security breach. Once I checked my credit I realize there was a few things on there that was incorrect such as XXXX credit inquiries from XX/XX/year> to currenta repossession for global lending. It shouldnt even be reporting on my report because its over the XXXX years but for some reason, I have been asking for documentation of this date I have yet to be received When I called the company stated that they currently had no documentation for me to speak to the credit bureau.
Product: Credit card

I purchased {$57.00} worth of garden dirt at Home Depot with my store credit card in XXXX. I never recieved the bill, they sent it to my husbands email account instead, ( why I dont know ). He not thinking it was junk mail deleted it. I receive a call from citibank saying I am XXXX months behind and have late fees. I was able to get them to waive XXXX month but not the other. I paid for the garden dirt over the phone with the operator but they said they reported me to the credit bureaus. I received the bill yesterday it is {$66.00} all interest and late fees including late fees on late fees. I probably will shred all of my Citibank cards now.
Product: Credit reporting or other personal consumer reports

This account XXXX I have disputed these accounts for years once they were removed but placed back on to my credit report. These accounts do not belong to me. 

n 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. Account name XXXX XXXX XXXX XXXXXXXX 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 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.