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

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$370.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance XXXX {$180.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$280.00} ; XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX  XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$760.00} ; XXXX  XXXX : {$150.00} ; XXXX  XXXX XXXX XXXX {$110.00} ; XXXX  XXXX Balance : {$200.00} ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

Unfortunately, at the time of the incident mentioned above, I had job loss during this COVID19 Pandemic. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian had the following reports regarding my XXXX XXXX XXXX : Balance {$78000.00}, Balance updated XX/XX/2023 ; Balance {$XXXX  Balance updated XX/XX/2023 ; XXXX XXXX reported the following to me : Balance {$XXXX} on XX/XX/2023 ; Balance {$75000.00} on XX/XX/2023 ; Not only is Experian incorrect, it shows the balance going up instead of down. 

Experian showed a balance of {$XXXX} on XX/XX/2023. Then it shot up to {$78000.00} in XX/XX/2023. They claim the balance went up XXXX} in one month. It did not ; it's been going down steadily.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filled out a pre-approval application for a US Bank credit card. I navigated to this through choosing the pre-approval button on a banner at the top of the screen, NOT the normal Apply button. The banner says " see if you're pre-approved ... without affecting your credit score '', as can be seen in an attached screenshot. This means no hard credit inquiry should occur, only a soft pull. 

However, after filling out the pre-approval form, I ended up receiving a hard credit inquiry on my XXXX credit report, and this supposed pre-approval application seemed to go through as an actual credit application. 

I then attempted disputing this inquiry with XXXX, but their website didn't allow for me to include the context and details of the dispute. The result suggested to reach out to US Bank directly. I have attached the dispute result which seems to be a generic response when they don't have enough information. 

So I reached out to US Bank customer support who suggested faxing US Bank 's XXXX XXXX XXXX Dispute department with a set of information about the inquiry and why it should be removed. 

I sent the fax over a month ago on XX/XX/year> to inquire about getting this credit inquiry removed, but never received any contact or response to my fax. I have attached the fax confirmation and what was faxed as well. 

Finally, I attempted reaching out to XXXX XXXX 's executive office by sending an email to XXXX XXXX, XXXX XXXX XXXX on XX/XX/year> but also did not receive any sort of response. I have attached a copy of this email too.
Product: Mortgage

The journey with Citizens Bank has been prolonged for the VA loan assumption. The typical 30-day REQUIRED VA suspense period was ignored, and to date, they have exceeded XXXX  days. There is no end in sight for a closing date. The challenges have put us in a burden financially, due to their inability to process the paperwork promptly, communicate progress, ( or lack thereof ), and their general abysmal customer service.
Product: Debt collection

LVNV FUNDING LLC- is attempting to collect debt indicated on my credit report acct # XXXX, which it claims I owe {$490.00}. I have sent LVNV Funding two certified letters on XXXX/XXXX/16 ( received on XXXX/XXXX/16 ) and XXXX/XXXX/16 ( received on XXXX/XXXX/16 ), asking to validate the debt that it claimed against me. LVNV Funding failed to provide validation of debt and simply replied the debt is owed by me. Without validation of debt bearing my signature, I asked LVNV Funding to remove their derogatory remarks on all XXXX credit bureaus but they have failed to do so.
Product: Debt collection

My employer received a call on XX/XX/XXXX from Profit Services Group. XXXX XXXX XXXX was the lady that spoke with my co-worker and my manager. After I had left for today she asked to speak with my manager and my co-worker told her he had left for today. He gave her my manager name and she call the company operator to get his telephone number. My manager text me at XXXX XXXX XXXX XXXX asking about a XXXX XXXX who insist on speaking to me. She had my co-worker and my manager in a big uproar about trying to reach me. The very next day she called again and I answer the phone. I let her know not to contact me at work no more. She claim she tried to reach me at home and I told her I never received a call from you. XXXX XXXX said " we don't leave messages ''. So she decided to call my employer. She said she knew it was my number because that was my voice on the voice message. That was a RACIAL statement!!! I never spoke to XXXX XXXX for her to made that kind o statement. I asked may I speak to your manager and she replied I am the manager!. I asked may I speak to your supervisor, and she refused to let me speak to him/her. XXXX XXXX should be terminated with this kind of behavior immediately!. My insurance provider and I tried to do a 3 way call to clear this matter up. Profit Services Group is trying to collect $ XXXX.My Provider is disputing this amount in which they said I owe only {$33.00}. We contact the XXXX  XXXX XXXX to help clear this matter up.
Product: Credit reporting or other personal consumer reports

my credit report is full of accounts that been 1099 C, the account has been canceled with a 1099 c filed with my taxes
Product: Money transfer, virtual currency, or money service

I went to the website XXXX and contacted the person on the website to about purchasing a kitten. They emailed me from XXXX and said the kitten was XXXX and XXXX for shipping. I had many conversations with the person. They showed me pictures, videos, etc. I have purchased animals online before so I had no clue this was a scam. I paid thru XXXX {$1000.00} on XXXX. The cat was going to be shipped to me by plane on Friday XXXX. The seller sent me the plane information, told me the cat passed the wellness check to fly then told me I needed to rent or by a special cage. XXXX to buy or XXXX to Rent. Send her the money and she will take care of it. when I get the cat it will be refunded to me 100.00 % at the airport. I called XXXX XXXX and they told me that was a scam. They said do not do it. So I told the seller I could not afford than and would like a refund for the animal. They said they would do it the following morning. Since then I have not heard anything from the seller. The website is XXXX email address they used with XXXX is XXXXXXXX XXXX XXXX and phone number on the website is XXXX they gave me the address of XXXX XXXX XXXX XXXX XXXX CA XXXX. I have reported this to my bank. They are in the process is investigating and working with the other bank to get my money returned to me. I just wanted to buy a kitten and they not only stole my money but I am not getting the kitten that I fell in love with from videos and pictures. People like this make me sick to my stomach. If we could find them I have no issue pressing charges against them. XXXX Reference code XXXX
Product: Credit reporting or other personal consumer reports

I have examined my consumer credit report, and this marks my second complaint to your agency. Unfortunately, the issue of inaccurate reporting persists across all three bureaus. Despite my consistent efforts to dispute the inaccuracies with XXXX, XXXX, and TransUnion, the matter remains unresolved to this day. 

1. The following personal information is incorrect Former : XXXX XXXX XXXX 2. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

I applied for the Amtrak preferred credit card with a score over XXXX. I immediately got a pending decision on XX/XX/XXXX. I waited for over a week and continued to get the pending answer on status. I then called weekly and checked their site. The company overseeing Amtraks card is The First National Bank of Omaha. FNBO. I then researched the bank to see they are all over the place with whom they give credit to. Today is XX/XX/XXXX. I checked status yesterday which was XXXX XXXX and the status was still pending. Today when I checked status, the site stated I do not have an application in process. I called the bank today and spoke with XXXX people, XXXX named XXXX who was very vague with her answers. They both told me I had withdrawn my application. I stated I had not withdrawn the application and had in fact called them at least XXXX times with today being the XXXX. I was told to call this bank again on Monday and speak with their credit bureau..I had to get clarification from XXXX and ask if they have a department at their bank called credit bureau. She stated no, you have to call our bank on Monday, XX/XX/XXXX to see if the application can be taken out of withdrawn status which I never put in Withdrawn status. I really dont understand what the issue is. I have a problem with this because when they ran my credit, it reduced my XXXX score by XXXX points. It is now back over XXXX, but I would like to know what theyre doing and if the goal post is being adjusted.
Product: Debt collection

We have been receiving automated calls from a debt collection company called Harris & Harris at XXXX. I have not been keeping track of all the calls as I usually pick themup as opposed to having the answering machine record them. 

However, I did call them back several weeks ago and spoke to a representative. The company is looking for long list of people who have never lived here. Our landline has been registered to this address since before 2003, when we bought the home. 

The Harris & Harris representative I spoke to stated that they understood that they had a bad number and pledged to remove our phone number from their automated system. However, the calls soliciting us to call the company back have not stopped. 

Today, I called them back a second time and the representative claimed I had never called them before and that they would now put our home number on the do not call list.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and my wife submitted a complaint regarding my Walmart Credit card on my behalf because she handles all the bills. I was receiving phone calls from Wal-Mart and let my wife know, but when she contacted them, the automated system advised that there was not a payment due until X/XX/17. A couple more days passed and I was still receiving calls so my wife and I called Wal Mart ( actually XXXX XXXX on b/o Wal Mart ) who advised that we had a past due payment that was due XX/XX/XXXX. Granted they were sending emails to me at an email address that I no longer use, however, I still feel that we acted in good faith by reaching out to Wal Mart. We spoke with XXXX on XX/XX/XXXX who admitted that the automated system was having issues, but that they sent us emails and letters. While I understand this, I still feel like there are so many ways to communicate nowadays, and my preferred method is to make a phone call, not read mail so much seeing I get so much of it and am on the go a lot, and any reasonably prudent person would not think that a reputable multi-billion dollar company such as Wal Mart or XXXX XXXX would not have an automated system that did not function properly. I have attached the automated system recording as proof that it provided inaccurate information to us. They have reported us to the credit bureau which we also plan to dispute as we are in the process of a new home purchase and things like this can potentially impact our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus reporting false information. I been disputing this for months. And if taking longer than 30 days to get a response. It keep coming back verified. This is false information I never did any business with XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called Chase Bank to do a promotional balance transfer from my XXXX XXXX  going to a Chase credit card. The Original rep took my XXXX card # and told me the transfer from XXXX to my Chase card would take btw XXXX days. I just checked my new card and the transfer amount of {$5000.00} has posted to my new card. 

The problem is my XXXX XXXX  still shows {$5000.00} and no pending transactions to withdraw that money. 

I called Chase Bank about this and was told the original rep typed the wrong account #. I now have {$5000.00} posted on both Chase & XXXX. I spoked with the XXXX today and told her my billing period for XXXX ends early in XXXX and I don't want to be charged 2x. The XXXX @ Chase said it can take up to 30 days to post. I told her I don't want to be charged 2x for {$5000.00} because the Original rep didn't type my account correctly. She told me she can not remove the {$5000.00} from Chase. All I want done is to have the {$5000.00} removed from my XXXX XXXX before XX/XX/XXXX. I should not have to pay {$10000.00} on interest/fees when it should only be for {$5000.00}. Please investigate ... .This is not right ......
Product: Credit reporting or other personal consumer reports

My previous rental property I was residing since XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX original creditor located XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The leasing office misused my information inaccurately so the debtor RENTDEBT AUTOMATED COLLECTION Company wouldn't be able to allow me to address the debt correctly. I was never contacted in regards to the debt, I was never mailed or contacted via phone number. I have membership with XXXX, XXXX and XXXX but was never contacted by the original debtor. My information was that the debtor that obtained the debt RENTDEBT AUTOMATED COLLECTION collect never tried to reach me originally to address the debt properly. The RENTDEBT AUTOMATED COLLECTION company put the negative account ( XXXX ) just appeared on my credit report unlawfully XX/XX/XXXX for a balance of {$2300.00}. I have the RENTDEBT AUTOMATED COLLECTION Company recorded stating they never had a number or address which doesn't make sense. My move out date was XX/XX/XXXX I turned in the keys and requested the walk through. At the time XXXX property manager didn't have time for the walk through at the moment so it was done by the leasing company unfairly XX/XX/XXXX. I was never contacted about the balance. RENTDEBT AUTOMATED COLLECTION is known to have a past history of reporting inaccurate information or unfairly contacting consumers to address the debt so they can just be stuck and forced to pay the balance. But the debt remains on your credit report which is unfair Fair Credit Reporting Act ( FCRA ). Because I should have been able to address the debt before it just was put on my XXXX, XXXX and XXXX credit report. Now I'm having issues moving to another apartment or buying a house or obtaining a loan. It's just so unfair how it's making my life miserable.
Product: Credit reporting

My FICO score has been dropping ever since the Federal Reserve began debating raising the bank interest rate a few months ago. Because there is no logical explanation for the drop, I believe the XXXX major credit reporting agencies are manipulating ( i.e., artificially lowering ) consumers ' scores to prepare for the rate hike. I am asking that the CFPB investigate this matter as soon as possible. 

( I understand that my complaint does not actually belong on this form. When I tried to explain that no form fits my complaint to a CFPB person, staffing the hotline, she directed me back to this form. )