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

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

I have been receiving emails statement about the card. Try to access the account for the balance forgot password and called Bank of America XXXX XXXX XXXXXXXX XXXX XXXX. Was told I couldn't have the info unless the party who gave me the prepaid card contact them with my info. I'm confused, if I'm receiving email about the statements they must have my information. The card was give to me to pay my expenses for XXXX XXXX purposes.
Product: Debt collection

XXXX XXXX XXXX is showing up on my credit report 5 times with all three bureaus and they are n't licenced in the state of fl..I 'm resquesting that they be removed immediately from all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have live here for ove 10  years.The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXXXXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXXXXXX XXXX .... Balance : {$950.00} ; XXXX XXXX XXXX .... Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$530.00} ; XXXX  XXXX Balance : {$800.00} ; XXXX XXXX XXXX ... .Balance : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Three years of back-and-forth and because it had already been discussed two of the three CRAs have yet to remove what is a gross error on my credit report regarding the current existence of a child support case. 

As you can see I have attached the necessary proof to show otherwise and would appreciate the compliance of the FCRA by both companies in the instant removal of the miss information.
Product: Mortgage

In XXXX, my home flooded and my family was forced to move out. 

We had to send all of our insurance funds to Loss Track, which is part of BSI Financial Services. 

We have been unable to get the money back from BSI in a timely matter, resulting in MAJOR delays and additional incurred costs ( we have to pay to stay in rental and far from job ) for EXTENDED periods of time. 

It took an extra 6 weeks to get our first distribution of funds. 

I am now trying to schedule an inspection so I can get the second distribution. 

I requested an inspection a month ago. They said they didn't have the paper work I had ALREADY given them ( and insurance gave them ) weeks before. 

I had to resubmit this paper work and they said they needed 2 weeks to process it ( FOR A SECOND TIME ). 

I called again today to schedule my inspection. And they said they don't have record of me ever requesting an inspection and the process has to start all over again. 

So, I waited a month already for the second distribution and now I will have to wait an additional weeks to months to see if I can actually get it scheduled. 

They are stealing my money. And I can't pay my builder until I get it. And I have to incur ADDITIONAL costs at this rental every week that they delay giving me my money. 

So my house sits empty and not work is being done. 

This is the most FRUSTRATING process ever.
Product: Credit card or prepaid card

On XX/XX/XXXX, I transferred {$15000.00} from XXXX XXXX XXXX  XXXX card to Chase Slate card. This was my response to an offer they sent me on the website. I had a XXXX   balance with Chase the day I transferred the {$15000.00} balance to them. The terms and conditions of the balance transfer are on Exhibit 1 : They are 0 % APR until XX/XX/XXXX ; Transfer fee of 4 % = {$600.00}. I have no minimum payment due. I have never had a late payment because I have never used the card. I have only paid Chase. As of today I have paid them a total of {$8000.00}. They closed my account, added late fees and other fees. They have destroyed my credit rating by lying to the credit agencies.
Product: Debt collection

I LOOKED AT MY CREDIT REPORT BACK ON XX/XX/year>, AND NOTICED SOME THINGS ARE INCOMPLETEAND NOT ACCURATE. AND ACCORDING TO THE FAIR CREDIT REPORTING ACT WHENEVER A CONSUMER REPORTIG AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE THE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. THESE ACCOUNTS, XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ARE NOT COMPLETE AND ACCURATE. AND ONE MORE THING ACCORDING TO 15 U.S.C. 1681S-2. A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PEROSN KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATIONS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 at I sent certified mail written communication to EXPERIAN dated XX/XX/2020, requesting verification to substantiate information that is being furnished to them. The request was made pursuant to FCRA 609, FCRA 611 ( a ) ( 6 ) and ( 7 ) in compliance with FCRA 607 that EXPERIAN used to verify all data for each listed account in an effort to avoid violations under FCRA 605. I received communication from EXPERIAN on XX/XX/2020 dated XX/XX/2020. Out of 16 requests for verification of accounts. ZERO items were deleted. I requested for EXPERIAN to substantiate the information of verification pursuant to FCRA. I requested a detailed explanation of the specific method of verification. They did not provide me with such. 
Furthermore, on XX/XX/2020 I sent a second certified mail written communication to EXPERIAN dated XX/XX/2020, requesting verification to substantiate information that is being furnished to them. I received written communication from EXPERIAN on XX/XX/2020 dated XX/XX/2020. I received the same results as the previous EXPERIAN communication. FCRA requires EXPERIAN to clearly and accurately disclose all information contained in my file at the time of my request pursuant to FCRA 609, such as my signature on an application, Agreement to such terms, and any other physical documentation EXPERIAN received and used to verify the information being reported and maintained in my file. EXPERIAN must verify THE validity of every notation, dates, balances, required certifications, and the purposes certified for the use of my information as required, and any other possibility of fraud, identity theft, or other related crimes and are reporting incomplete information. The accounts must be complete and accurate or promptly deleted pursuant to FCRA 611 ( a ) ( 5 ) ( A ) ( i ). I have requested the exact same information from XXXX and XXXX. They have deleted the items of dispute. How did Experian verify these accounts and disputes while XXXX  and XXXX  could not. I will be attaching letters of deletion to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau : I wish to dispute any and all association with XXXX XXXX credit account tied to my credit score. At no time have I ever had an account with XXXX XXXX, nor have I ever authorized anyone to open such an account. I humbly request that all references to this account, and the negative marks related to its delinquent status, be dissociated from any record of my credit history. 

I began checking my credit regularly several years ago after the report of a substantial data breach within the South Carolina Revenue Service. Using the XXXX XXXX app I noticed an account with XXXX XXXX was under my name. After beginning my investigation in earnest, my then wife and now ex-wife informed me she opened this unauthorized account. At no point did I ever receive a XXXX XXXX, a statement was never forwarded to me, nor did I ever make a single purchase using that account. 

I have contacted XXXX XXXX dozens of times informing them that this account was created without my consent. Protests have been filed and appeals have been submitted. The only XXXX XXXX associated with this account that I have ever seen is in the name of my ex-wife. I have never be in possession of a XXXX XXXX with my name on it, nor have I ever made a single purchase of any kind with such a card. Furthermore, I have produced the divorce documents stating that my ex-wife, ( name redacted per your request ) takes full responsibility for addressing the balance of the XXXX XXXX. This is account is NOT responsibility. 

I authorize your organization to do a full review of my credit history and consult with any and all of my other creditors. You will find no other late or delinquent accounts, nor any accounts that were ever late or delinquent. Actually, you will find that I have paid off every vehicle and or loan early. My mortgage has every so much as had a late payment of any kind. 

Please, I beg your agency to use a modicum of discernment regarding this circumstance. All logic points to the fact that this delinquent account is not mine. XXXX is engaged in character assassination of the most odious kind. I have thousands of dollars of debt in my name, all being serviced and reduced in accordance with the original terms agreed to with my creditors at the time each account was established.

A credit score is supposed to an attempt to accurately display a persons credit worthiness. Due to XXXX refusal to clear my name, even though they MUST know this is not my debt, it continues to negatively affect my good name. I ask that your agency correct this travesty by removing this erroneous information for the reporting of my credit history. 

I you will just give me the opportunity, I am will to speak to anyone, travel anywhere, supply documents, provide affidavits, etc. to clear my name and correct this injustice. 

Thank you for your consideration.
Product: Student loan

I have been XXXX, in and out of the hospital and in homeless veteran programs trying to survive. My storage locker was auctioned in a storage locker auction. Since that time I have been the victim of identity theft and homeless. I have been living out of friends and families homes. I am currently working with the XXXX XXXX Hospital now to put my life back on track. 

My income is only my XXXX XXXX XXXX XXXX XXXX compensation of XXXX a month. I have dependents XXXX small children. I am on public assistance ( welfare ). I need help and would like to have the opportunity to rehab my defaulted student loans. 

I have called numerous times but never a resolve or help. I actually got a rep to tell me instead of rehab they would take my military XXXX and I would still have a debt. 

I was told on another occasion rehab for default student loans was not a guarantee and just because I was homeless didn't mean they were going to do anything. 

So instead of wasting postage stamps I am on this platform hoping for a better solution.
Product: Debt collection

I have attempted to communicate with this company to let them know that I am an ID Theft victim, and that these medical bills are fraudulent. I never applied for them, and they are both under my XXXX maiden name. I already complained about one Debt Collection Company. These people would n't listen!!!!
Product: Credit card

On XX/XX/year>, my Citi credit card number was used to make 3 fraudulent purchases at XXXX online. Each purchase was for {$250.00}, for a total of {$770.00}. 

I noticed these charges on XX/XX/year>, and reported them to Citi as fraudulent purchases. Citi said they would refund the {$770.00}. 

Later, I learned that XXXX told Citi that the online order was picked up ( in XXXX ; I live in New York ), and therefore was a legitimate purchase. Citi provided me with the information that XXXX provided them. ( See attached file XXXX ) The purchase was made using a fake email address. The items, large boxes of flooring, were picked up in XXXX XXXX, where I do not live. 

Citi reversed their decision, and charged me the full {$770.00} again. They didn't contact me to tell me this, I discovered it myself later when my credit card statement seemed too high. 

I have since called Citi multiple times over the past 2 years, explaining that this was obviously a fraudulent purchase, based on the evidence they already have. Every time, they tell me that they have to re-open the account and re-start the investigation process. Citi assures me they have all the information they need ( which is true ), they can see it was a fraudulent purchase, and will contact me when the investigation is complete. 

Then, nothing happens. Multiple times, I have called Citi back a couple of months later, and they tell me the same thing again ; they have to re-open the account and start the investigation, etc... They can see it was a fraudulent charge and they will contact me when the investigation is complete, etc... 

I have been doing this every few months since 2022, when this first began. I have files the dispute forms Citi requited, and provided them with all the information they have asked for. I would like Citi to finally resolve my fraud dispute case and refund me the {$770.00} I am owed.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I tried to withdraw {$500.00} from XXXXXXXX XXXX  here in XXXX XXXX. My primary bank is Discover Bank and from their app, XXXXXXXX XXXX does not charge a fee to use their ATM. After I requested the {$500.00} from this ATM, and this ATM has worked for me in the past, the ATM froze and did not dispense my cash and gave me a receipt. The receipt showed that {$0.00} was dispensed and said it canceled the transaction. 

Later that day I checked my checking account with Discover and I noticed the {$500.00} came out on my account. I first contacted XXXXXXXX XXXX  and they told me to contact Discover. On that same day, I opened a dispute with Discover Bank and uploaded my receipt from the ATM stating I did not receive my cash. 

XXXX weeks later I received a letter in the mail saying my dispute had been denied. I contacted Discover Bank that day to reopen my case and they asked me to upload more information. I told them the receipt was the only thing I could provide. This XXXX attempt has been denied. 

I contacted Discover Bank today and asked what else I could do they said they wanted more documentation from XXXXXXXX XXXX. I contacted XXXXXXXX XXXX and since I'm not a customer the receipt is the only thing they can provide me. So I've uploaded my receipt to Discover Bank for a XXXX attempt but it will get denied as it was denied in the past. 

I'm attaching the receipt as proof and the last XXXX of my debit card align to my card number and within that receipt, it shows {$0.00}. 

I am not committing fraud and just want the {$500.00} that I never received from the ATM. Push come to shove there is suverlliance from the XXXX XXXX that will support this.
Product: Credit reporting

i have a student loan account that has been closed for a long time and it 's still showing on my credit as an active closed account. I have disputed this situation with the credit bureau and it was suppose to be deleted. This has n't been the case yet. This type of account is past XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

bankruptcy Still in my credit and it has Been more that 7 year since the discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with Equifax trying to get a fraudulent account removed from my credit report many times from XXXX  through present and constantly they are not investigating this property. They just send me a message saying this is your debt. If they would check it properly then they would see its not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I contacted XXXX  XXXX for an extension on my payment on my account answer be placed in my payment protection plan that I paid for every month with the company the payment protection plan covers you in case of XXXX  deaths family emergencies loss of job loss of income etc. I am formed XXXX XXXX   that I needed to be a part of the program and to activate it my subscription that I paid for every month to get coverage for my payments because I was out of work due to having a XXXX And losing my XXXX the representative told me that my payment will be all set and I didn't have to worry about any payments in late fees or negative remarks on my credit report. However XXXX XXXX is reporting that I am 30 days late on my credit report even after sending them all the proof that I have lost my baby see attachments.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Credit Bureaus are required to remove any items not later than 4 business days after the XX/XX/XXXX letter. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX  XXXX Balance Owed : {$51.00} ; XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX Balance Owed : {$630.00} ; XXXX  XXXX Balance Owed : {$70.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$100.00} ; LAW XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ;