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

I have been trying to contact XXXX and the companies involved about these inquiries on my credit report but im not getting anywhere.When someone open an account in my name it was XXXX, XXXX or Experian job to see the red flags. I have XXXX inquires with XXXX and I 've called over and over to have them remove but lately because of their breach. I cant seem to get anyone on the line. Anyways I 'm writing again to let someone know that the following inquiries were not made by me ... 

XXXX XXXX from XXXX XXXX, XXXX XXXX Bank XXXX from XXXX XXXX, XXXX XXXX Bank XXXX from XXXX XXXX, XXXX CredcoInquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Bank XXXX from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Bank XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Bank/limited Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Mrcus Inquiry from XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus refuse or fail to delete inaccurate personal information from my credit file. They are reporting a previous address or contact information belonging to my ex-spouse and is an address where I never lived, resided, or even walked inside.
Product: Mortgage

My sister XXXX XXXX XXXX passed on XX/XX/XXXX. I contacted US Bank the first of XX/XX/XXXX to report the death of my sister who has a mortgage with US Bank and I was named Executor of her estate in her will. Her husband 's ( XXXX XXXX XXXX ) death was 15 months prior to hers. The bank stated they could not talk to me until they received 4 documents ( sister 's death certificate, copy of the property deed, my birth certificate and Court Executor appointment letter ). The Court letter was delayed due to COVID and not received until XX/XX/XXXX. I provide them 3 of the documents but not my birth certificate as my relationship was established and indicated on the provided death certificate. I tried numerous times to get US Bank to discuss general options to resolve this estate that has no assets. In calling the US Bank XXXX number numerous times the person that I would be finally connect to after going through numerous automated options would not know how to assist and would place me on hold and after 10 minutes would dump me back to the automated call system to start the process again. I even tried talking to a supervisor and the local branch and got no where. The bank provide me numerous excuses like short staffed because of COVID, XXXX of the month is a busy time for them and so on. On XX/XX/XXXX I finally get a call from US Bank Life Event Specialist that indicated she would help me through the process. I found this very frustrating that no one at US Bank knew this Life Event Specialist existed in my previous 3 months of attempts to talk to someone. The estate has to pay the utilities to protect this property until the bank either allows me to sell this property or repossess the property. I did secure a cash buyer ( US Bank was made aware of the cash buyer in XX/XX/XXXX ) for pay off ( I believe the payoff to be {$62000.00} before interest and late fees ) of the mortgage but US Bank will not provide the payoff. On XX/XX/XXXX a Mortgage Specialist called me and indicated US Bank had everything they needed and someone would contact me the week of XX/XX/XXXX. Never received a call. On XX/XX/XXXX I contacted US Bank again and my call was conveniently dropped twice on the third call the person stated there was nothing they could do and there was no one available to assist as the XXXX of the month is a busy time for them. I then reached out to the US Bank Life Event Specialist and she stated she would talk to a Mortgage Specialist and they would call within 4 days, no one called. On XX/XX/XXXX I called again and this time was informed US Bank needed the death certificate for XXXX XXXX XXXX ( my sister 's deceased husband ) which was never mentioned previously. Every time I do get through to a live person the process starts all over again and the requirements they need changes. The cash buyer has even emailed US Bank CEO who stated there was nothing he could do to help. I provided a 2 page letter with all of the dates and times to US Bank still no call. I can not believe this is the first mortgage holder death that has occurred on one of their mortgages
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports and found multiple accounts with conflicting information between the XXXX credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

Under 15 U.S. Code 1681e ( 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. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable 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.

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification.

Specifically there is a public record listed that should not be listed on my credit report as the courts do NOT report public record information to the credit bureaus which means that information was illegally posted to my credit report without my written authorization. Unless this written authorization can be provided by each of the credit bureaus this information must be removed immediately. Further the information presented is not accurate and that is further infringing on my rights and a direct violation of the FCRA as the law requires 100 % accuracy on all consumer credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

After hurricane Michael the storm destroyed my room in a I church XXXX XXXX XXXX  donated to me to help me and they asked for my bank information with Wells Fargo and I gave it to them and they logged into my account and they sorry And they uploaded a check to my account the account that the people said that the account that the money was on but the check was from having no money on the account then they change the story and said that the check was fake and made up and it was fraud And they close my account and they are closed 20 other banks iVe open and now I am XXXXAnd I had to move from my son family and friends and its unarthorized transaction the upload of the check was.
Product: Debt collection

The debt to XXXX XXXX is a checking account and credit card which is well past the 7 year period a person has to contact them. The company, as of recently, trying to collect the XXXX XXXX debt for pennies on the dollar is : From address : Jefferson Capital Systems , LLC, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Return address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I had already sat in a XXXX XXXX branch, with a customer service XXXX, and spoke over the phone with another customer service specialist regarding this debt collection stretching past the 7 year period which I have proof of from a 2006 credit card statement. 

According to " Jefferson Capital Systems , LLC '' they will take XXXX % of the money owed and it will be paid off. From other people online who have fallen for similar debt collection agency tactics it does n't work. XXXX pulled that on people and they are now in a class action lawsuit. These are not fair debt collecting practices, especially regarding the recent climate of the jobs market 4 to 5 years ago.
Product: Credit card

I have been a member of XXXX bank for many years but this year 2016 I had obtained a cash advance in the amount of {$10000.00} from the union bank on XX/XX/<YYYY> XX/XX/2016 with 5.99 % interest rate as a promotion. At that time XXXX bank was using The first bank Card services and I had always made the monthly payment on time and never late. Starting XX/XX/XXXX, I received a phone call that the payment was never received and charged late fee which was post it in XX/XX/2016, after I had made the payment and received a confirmation number?? 
My account was transferred back to XXXX bank with a new visa card and I was being charged 14.99 % interest rate since XX/XX/XXXX. When I called to inquire about the increase interest rate, I was told because my account now was with XXXX Bank?? it seemed rather strange that my account had always been with the XXXX bank. The monthly statement reflected 5.99 % rate and still my payment showed I am responsible for 14.99 % according to the XXXX Bank representatives? many phone calls and hours and hours of being placed on hold have not resolved the issue and the discrepancy?
Product: Credit reporting or other personal consumer reports

Inaccurate inquiries on my credit report not authorized by me
Product: Student loan

I attended XXXX XXXX College starting in XXXX then again in XXXX. Due to health reasons i could not finish my XXXX XXXX XXXX degree although i had XXXX XXXX  and finished all XXXX classes. I got the pell grant and other free help from the government that did not require repayment. I had took out 2 student loans during this time through XXXX XXXX for classes that i could not use pell grant. I received XXXX one time and XXXX the second time. I had asked for forbearance to delay repayment due to unemplyment. I was denied. I ended up having income tax returns taken and i paid XXXX back through wage garnishment of half my paycheck and all my income tax for a few years. I did not owe all this money too them.
Product: Credit reporting or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I was promised that after paying my debt, that this collection would be taken off my credit report and it hasnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are collections accounts and personal information on my credit report that are reporting inaccurately and need to be investigated. I have reached out to XXXX and TransUnion on multiple occasions through the mail and by phone, requesting them to investigate the accuracy of the accounts, and they have not responded or resolved the matter. To be exact, I've sent eight letters in the past 12 months asking for a verification of these accounts. I have not received a response email or letter from this credit bureau informing me that an investigation has occurred or a resolution. Please help me resolve this matter. I am exhausted by this company and highly disappointed in how they are ignoring me.
Product: Money transfer, virtual currency, or money service

Capital one bank hasnt sent my direct deposit from my job. I was suppose to get it XXXX  at XXXX. Millions of Americans are also affected and havent got paid ; I have bills due and XXXX  is a bank holiday so this puts me in a tough situation. Capital one needs to be held accountable!
Product: Credit card

I applied for and was approved for a XXXX XXXX XXXX card issued by US Bank. All the advertisements and information about the card stated I would be able to receive the last night of any point redemption on hotel rooms free. The materials I received with the actual card also stated this. Not one week after applying for the card that benefit was removed, and now a {$75.00} annual fee is being levied on my card. I feel like this was bait and switch through luring me to apply with specific benefits, and then immediately removing those promised benefits and still charging me for them.
Product: Credit reporting or other personal consumer reports

I have sent at letters to the 3 credit bureaus in reference to accounts that were charged off which means they were purchased at a lower rate than i owe and they are all 3 showing the incorrect balance. If they charge off my account they should be showing accurate and complete information. The information is not accurate or complete.

All 3 credit bureaus have the same information. 

examples : XXXX charged off and written off at {$3.00} is that the amount the paid to purchase this debt. 

XXXX XXXX Charged off and written off {$5300.00} is that the amount paid to purchase the debt XXXX XXXX charged off and written off {$1900.00} is that the amount paid to purchase the debt. 

My name and address has been incorrect and i have sent my license and my pay stub at least 3 -4 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure who reports my employment information to the credit bureaus but my current employer is not correct, it has me at XXXX  XXXX XXXX. How ever I have worked at XXXX XXXX XXXX for the past 17 years. They are my current employer I would like this updated on my reports.
Product: Checking or savings account

On XX/XX/2020, the amount of {$590.00} was deducted from my savings account. Someone used my bank account and routing number to pay a XXXX credit card bill. The persons name on the check is someone named XXXX XXXX XXXX. I dont know this person and I have no clue how they had access to my information. I constantly check my account, and the same day that this happened I called the bank. Ive been calling Santanders customer service number, as well as attending the branches to get resolution and they keep giving m the long run and until this day they still havent fixed my issue. Customer service does not want to help, neither the branches. I even had affidavit of forgery notarized and I went to the branch and submitted. I call Santander the following week to follow up and they tell me the case has been closed because I never submitted the affidavit of forgery. Ive been calling and visiting branches none stop to get this resolved and no one has helped. At this point i dont know what else to do.
Product: Debt collection

This debt has been paid through checking account that was used for verification of an account being open. Debt should no longer be in collections and having negative effects on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX XXXX XXXX XXXX di a hard request of my credit from Equifax. Since XX/XX/XXXX, there should have been freeze or alert put on my account, that day I founded out I was victim of identity theft and called all credit bureaus to freeze and lock my credit. Same day I filled police report also. XXXX XXXX was never authorized by me to access my credit report because I am happy XXXX XXXX customer and still have a about year left on my contract. This was unauthorized access by XXXX XXXX. The file could only been access with phone verification. None was done. Both companies failed its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm re disputing the following unauthorized accounts opened up in my name .Accounts inwhich the 3 major credit bureaus are reporting but has not validated their reportings with certified physical documentation but yet relaying on electronic Verification inwhich could be altered or manipulated. As a consumer within my rights as guaranteed by the FTC and the FCRA I'm demanding that these accounts be blocked immediately or the 3 credit reporting agencies provide me physical documentation as well as a detailed Method of Verification used in this instant investigation. Please block these accounts .... ( 1 ) XXXX XXXX {$640.00}, ( 2 ) Public Record {$0.00}, ( 3 ) XXXX XXXX, ( 4 ) XXXX XXXX XXXX, ( 5 )  XXXX XXXX XXXX XXXX,, ( 6 ) XXXX XXXX XXXX
Product: Credit reporting

On  XXXX   XXXX ,  2017, I rece ived a credit report alert from  XXXX  that  XXXX  negative accounts is being reported on my Equifax report. The  XXXX  negative accounts are  1. G  XXXX   XXXX   XXXX   XXXX  and  2.   XXXX   XXXX . Equifax removed the  XXXX  accounts on my credit file in  XXXX   XXXX . I was never notified that these accounts was going to be placed on my credit prior to this being put back on my credit file Per the FCRA " If a previously negative item is reinserted the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later tha n five d ays after the date of reinsertion. '' Their customer service is horrible it seems as though as soon as  XXXX  account gets removed they come back and reinsert another one. Please find that I 've included the previous cases that I filed against them via CFPB. Notice that Equifax responded several times in regards to this  XXXX   XXXX   XXXX   XXXX  account " stating that it 's not reporting and on my credit file and th e 1st res ponse is that they deleted it '' also I attached the credit report that they claimed that they removed both items. My case is based on a previous complaint I filed with CFPB #  XXXX  against Equifax they were reporting another deleted account on my credit file and they should n't. After their investigation, they responded with a letter stating that they deleted this item. Today Equifax has put it back on my credit bureau without notifying me prior that it 'll be back on there. Here are all the supporting documentation.
Product: Credit card or prepaid card

On or about XX/XX/2020, I received a call from payment solutions/collections with an offer to settle my past due balance and close the account as I have had so many problems with this account. On that day, I spoke with XXXX XXXX ( XXXX ) and came to the agreement of paying off my past due balance with the financial hardship help from Comenity Capital Bank ( hereafter Comenity ) via a program Comenity was offering for those hardest hit from the COVID-19 Pandemic and experiencing hardship. The settlement came down to the terms of paying an initial down payment of {$30.00} or {$35.00} over the phone with Ms. XXXX and subsequent payments of {$69.00} biweekly for 6 months as scheduled for automatic payments via XXXX XXXX from my banking institution. In return, Comenity would waive all accrued fees in the amount of some {$320.00} upon completion of the terms of agreement. All payments were satisfied on my end, however, Comenity failed to meet their end of the agreement. In XXXX, I received an email from Comenity/XXXX XXXX  stating my statement was available. So I opened it, log in to Comenity 's XXXX XXXX portal, only to find a balance of {$320.00} remaining when in fact my account balance should be XXXX, as agreed. I called in to discuss these details with representatives but NOONE seem to know anything. I got tossed around in que for over an hour, still with no resolution. After speaking to a supervisor, I was tossed back to payment solutions because he rudely stated that he could see no notations and couldn't pull the call pretaining to the terms of agreement. Get back over to payment Solutions and the rep identifies the call record and notes, but her system went down which made her abilities to rectify the issue utterly useless to assist me further in this matter. The rep then tried to contact MsXXXX XXXX but the agent was reportedly not working on that day. I'm exhausted with Comenity as a creditor. It has not been a decent customer experience and I can not wait to satisfy my obligations with Comenity and be done with them and XXXX XXXX forever. I have yet to call back to try and find MsXXXX XXXX in hopes of resolving this problem as I ABSOLUTELY hate to call Comenity, it takes hours out of my day, and makes me feel ill. I have done as agreed between myself and Comenity, it is Comenity 's failure or breach in the agreement that " unwarrants '' harassing collection calls and an open account with Comenity Capital Bank/XXXX XXXXXXXX card.