23daVinci/CFPB_Complaints huggingface dataset:
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 ) they 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I made a deposit to my savings account at CIT Bank via ACH on XXXX. As of today, XXXX, the funds are still not available. It was a large deposit, some $ XXXX and change. It was my understanding that the should have released some of the funds. They have not. I called the bank and they stated that the hold would stay in place until XXXX well in excess of their own policy.
Product: Debt collection

On XX/XX/XXXX, Ive submitted the form given to me by Franklin collection services to contest the charge and receive documentation. I have not received anything back, they have put it negatively on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has not updated the payment status on   XXXX    & T ransUnion to paid.  XXXX  is still reporting " Bad debt & placed for collection & skip '' The balance is  XXXX .
Product: Credit reporting or other personal consumer reports

Formal Request to Reopen Previously Filed Claims Dear CFPB Team, I am writing to formally request the reopening of the following complaints previously submitted through the CFPB Complaint Portal, which I inadvertently missed providing feedback for within the allocated time frame due to the holiday season and XXXX XXXX  schedule : XXXX Complaint : Reference # XXXX Experian Complaint : Reference # XXXX XXXX Complaint : Reference # XXXX I greatly value the assistance provided by the CFPB and the accountability it brings to consumer reporting agencies. Due to unforeseen circumstances, I missed the feedback window. However, the unresolved issues in these complaints have continued to harm me both emotionally and financially, and it is imperative that these matters are revisited. 
Emotional and Financial Harm Caused Discrimination in Financial Matters : Due to the inaccurate and false reporting on my credit reports, I was denied financing for a new car under account number XXXX with XXXX XXXX XXXX.This forced me, during a separation period from my husband, to ask him to co-sign the loan. Despite being the sole responsible party for all payments, my husband, with whom I am divorcing, was designated as the main buyer. This has not only caused significant financial strain but also severe emotional harm, given the complexity of my personal circumstances. 

Reporting Inaccuracies and Lack of Action : My credit reports show accounts that stopped utilization around XXXX, during the slowdown caused by COVID-19. At that time, my wallet was lost and the Unauthorized charges that I did not make, and I reported them all as lost via phone. I trusted that the system would address these issues, but I later discovered that these accounts were neither properly addressed nor resolved. 

Fraudulent Third-Party Assistance : In XXXX, I sought help from XXXX XXXX XXXX , believing they would assist in disputing unauthorized charges. Instead, they defrauded me, taking my money while allowing the accounts to go into collections. In desperation, I turned to XXXX XXXX XXXX XXXX, who charged me {$500.00} on the monthly basis since mid XXXX but worsened my situation with the same deceitful business practices. When I requested an attorney, as stipulated in our agreement, they refused. Additionally, when I asked for an account ledger and a copy of our agreement, they denied my requests. When I attempted to print a copy of our agreement, the document displayed names of unrelated companies, such as XXXX XXXX XXXX XXXX and XXXX, which I have never heard of, proving I was conned. 

Mental Health Impact : These persistent and unresolved issues have caused me permanent emotional damage, resulting in XXXX  and XXXX. The unfair treatment and harm inflicted by the reporting agencies and third-party companies have left me in a constant state of distress
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act this creditor has violated my rights. Under 15USC 1681 sec 602 states I have the right to privacy. 15USC 1681 sec 604a sec 2 states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking to Experian open an investigation for having a wrong information in my credit report, this information has been publicly shared for more than a year, creating serious financial problems of reputation and prestige to me. Experian is putting in the credit system that I have an record public with " XXXX XXXX XXXX XXXX XXXX XXXX. The listed item is entirely inaccurate and incomplete and represents a very serious error in my reporting. That account is from 2017 and I have never had a bankruptcy. Experian has never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged record public. The name of the court with which Experian verified this information. The address and phone number for the court with which Experian verified this information. The name of the Clerk who verified this information. The Documents, date, and signature in which verified this information. Have an information inaccurate or incomplete items in record public and credit history have serious consequences. Please delete the misleading or inaccurate information. Experian is committing a violation by 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act
Product: Checking or savings account

This is a small town bank who is abusing their authority and returning my checks for irregular signature out of spite even tho they have been contacted and know the checks are authorized
Product: Mortgage

Bank of America was the mortgage holder for the commercial property owned by XXXX XXXX, a company I held the majority share in. We sold the property and BoA had released the lien and escrow had been closed. Then on XX/XX/2020, BoA charged XXXX XXXX termination penalty fee of {$95000.00} without my consent. Additionally, on XX/XX/2020, BoA locked me out of access to both my XXXX XXXX XXXX XXXX XXXX and my XXXX XXXX XXXX accounts per a minority shareholders request without any official approval from the companies meeting minutes, etc.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding several unfamiliar accounts that have appeared on my credit report following my exposure in a national data breach. Despite my proactive efforts to address this matter, I have not received satisfactory assistance, and I am seeking your intervention to resolve the issue. 

Following the data breach, I reviewed my credit report and identified accounts that I did not open or authorize. In response, I submitted a written request to the credit bureaus, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), to validate the debts associated with these accounts. However, I have not received adequate documentation or validation confirming the legitimacy of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor was advised of personal difficulties regarding reduced employment and lack of financial ability to satisfy debt due to COVID-19. Creditor indicated account deferral was available and - notwithstanding said deferral - subsequently reported account delinquent to the credit reporting agencies ruining an otherwise perfect credit history. Creditor should investigate and correct account history consistent with protections available for those negatively impacted by COVID-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been 4 weeks and Experian hasnt updated my credit report with the accurate information about my available credit. It should be {$19000.00} and not XXXX ( Please see attached document ). 

Also, Theyre not even showing my XXXX XXXX XXXX XXXX either ( that I had for almost six years ). While XXXX  and XXXX  all have been reporting correctly and updating information.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. This account was charged off on the following dates : XX/XX/scrub>XXXX  and XXXX Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charge off account should NOT include an active payments history. This inaccurate information falsely manipulates the states of limitations of Fair Credit Reporting Act. Its is my understanding that you reinvestigate this account properly and see its violated my rights. I am demanding a deletion of the following XXXX and # XXXX.
Product: Debt collection

I believe that this phone number is for a debt collection XXXX. There are several issues with the way they are attempting their practice:1 ) they have called from the following phone numbers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX - all of these phone numbers when GOOGLED do not reflect XXXX nor any company even close to that of a Debt Collector. Rather, for example on phone number ( XXXX ) XXXX when you look it up online, it states it is for XXXX XXXX in XXXX XXXX, SD. This is a deceptive practice and as a debt collector, they should have to clearly identifiy themselves. 
2 ) the company has continued to call my cell phone repeatedly daily and when I do not answer the calls because I am at work, they have recently attempted calling my phone at work - which I never provided authorization or the phone number to do so and I would like them to stop calling that number IMMEDIATELY. 

Further if they are attempting to collect a debt, why are they not leaving me a voicemail message with a call back number? This is a shady practice. My voicemail clearly states my name so even leaving a brief message of this is XXXX calling for XXXX XXXX regarding her account, please call us at XXXX would be better than nothing. XXXX XXXX XXXX practices need to clearly be investigated for proper actions.
Product: Debt collection

Progressive Financial Services XXXX Inc. and I agreed to the minimal payment of {$5.00} a month on an overly inflated student loan total of {$59000.00}. I work 20 hrs a week at $ XXXX. I pay rent, phone and the IRS. I can barely buy food. I was told that I was eligible for the {$5.00} a month plan. So I faxed them a doc of income, pay stubs and references as they requested only to get a phone call saying that my monthly payments will be {$27.00} a month instead. I told them that 's not what we agreed on and I can only afford our original arrangement and the agent kept trying to " talk '' me into it and threatening to garnish my wages if I do n't pay the {$27.00} a month. I told them no deal and now they are constantly calling me, several times a day, at all hours of the day and never leaving a message. 

I thought that if I offer what I can pay and they accept that, they would finally get off my back and take my loan out of default. Not try to reel me in under false pretenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX 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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer.

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$940.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$800.00} XXXX XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX ) XXXX Balance {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$830.00} XXXX XXXX Balance {$900.00} XXXX XXXX XXXX Balance {$640.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX Balance {$390.00} XXXX XXXX XXXX Balance {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquiries being furnished on my consumer reports. 

XXXX. XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  is showing an inaccurate debt reporting on my credit report from XXXX XXXX XXXX  in XXXX XXXX, GA. I have contacted XXXX XXXX and the management company, XXXX XXXX XXXX, and spoke with a XXXX XXXX AND XXXX XXXX. Both state they have no knowledge of any account owed. I contacted XXXX XXXX  and was told to " stop talking '' after I told them they are inaccurately reporting an account that does not exist. The representative released the line in my ear after I told her I would not stop talking. I have filed a complaint with Top class Action Attorneys as I have located more than 100 complaints online in regards to illegally reporting and attempting to collect debts not owed. This will lead to a class action lawsuit that will help prevent this company from illegally reporting and collecting from individuals.
Product: Checking or savings account

XX/XX/XXXX i noticed online an unauthorized ( pending ) transaction ( {$36.00} ) on my wells fargo checking.immeduately contacted fraud dept. they pointed out that same company ( XXXX XXXX XXXX ) had previously charged three other times since XX/XX/XXXX. for 3x {$36.00} & 1x {$12.00}. 
i informed wf that i was receiving no subscription, Bank opened a dispute case told me that they must allow the pending payment to process to completion tgen it would be added to other charges in dispute. 
and told me that I would have a response and refund 10 to 15 business days. on the XX/XX/XXXX I saw a deposit into my account that said final deposit {$12.00} with no other explanation received an email on the XX/XX/XXXX which said that they had made a decision that I would receive a letter explaining the final amount that was too excited and that if I still had questions once I have that letter so I should call two weeks later no letter.when i could wait long enough on hold it took 19 minutes to speak to someone who tgen put me on hold for most of the call. only to tell me that wells fargo was only liable for the {$12.00} ( introductory rate, i called XXXX XXXX XXXX myself while awaiting the letter which never came ) XXXX cancelled fraudulent account in my name, suggested i push back on my bank for refund. Wells Fargo agent insists theyre not liable for anything beyond 60 days. ( not even the pending transaction which i alerted them to? ). 
W.F. bank. says theyre pushing back on visa to refund the money and that decision could take up to 45 days. i requested a letter stating so & she told me that I would receive a letter once they have a final decision. my truck was broken into XX/XX/XXXX, thieves took my XXXX, notebook, cell phone, & in XX/XX/XXXX my mother XXXX, so i didnt notice the unauthorized transactions, when i did i alerted bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and the Bankruptcy that I have been filing a complaint still on my credit report. This XXXX  XXXX bankruptcy is erroneous. The bureaus and the company failed to provide proof and I never received any proof of the investigation which I have been requesting for so many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a complaint to Transunion in regards to Inquiries on my credit file that I did not make and Transunion said that these inquiries were verified, so I wrote Transunion again and ask, who verified these accounts and to send me documentations, names and number of the person or persons who verified these inquiries and still nothing from Transunion. I filed an Identity Theft document and sent to Transunion and yet these inquiries still remain on my credit file. I have done research on these crooked credit bureaus. I would like a live person to investigate my complaint instead of putting letters that I send thru XXXX which do not verify anything. 
Inquiries : 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

XXXX of Bank of America XXXX did not want to fix this issue on a call today XX/XX/XXXX Account ending in XXXX was supposed to be closed same day I opened it and it didnt happened I was charged fees and this fraudulent bank with this fraudulent employee XXXX XXXX refused to adjust the account and fix the issue I told him that I will be submitting a formal complaint with the XXXX and she did not even care about it. This is kind of employees that your company has.
Product: Vehicle loan or lease

Ive paid roughly {$4000.00} of car notes on my {$10000.00} XXXX loan. My payoff amount is still over {$10000.00}. Ive read similar complaints of this company falsely reporting and stealing money from consumers. They need to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act 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
Product: Debt collection

a debt collector refused to send a validation notice or failed to respond to my validation letter.
Product: Credit reporting or other personal consumer reports

I AM WRITING TODAY IN REFERENCE TO SEVERAL FRAUDULENT ACCOUNTS, UNAUTHORIZED HARD
INQUIRES, AND INCORRECT PERSONAL INFORMATION THAT KEEP APPEARING ON MY CREDIT REPORT. THESE
THINGS DO NOT BELONG TO ME AND SHOULD NOT BE SHOWING UP AGAINST ME. I DEMAND THAT THEY BE
REMOVED IMMEDIATLEY. THIS IS THE SECOND TIME THAT I'VE WRITTEN YOU REQUESTING A 'PROOF OF
CONTRACT FROM THE CREDIT BUREAUS AND THE COMPANIES LISTED IN MY IDENTITY THEFT REPORT AFFIDAVIT.
MORE THAN 30 DAYS AGO I WROTE AND REQUESTED "PROOF" OF THE ORIGINAL CONTRACT WHICH
CONTAINS MY SIGNATURE IN REGARDS TO THESE FRAUDULENT ACCOUNTS TO THE CREDIT BUREAUS. THE
CREDIT BUREAUS NEVER PROVIDED ME WITH ANY PROOF THAT A CONTRACT EXIST, NOR DID THEY RESPOND
BACK TO ME. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX