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

I am following up on a complaint regarding fraudulent activity identified on my credit report. After submitting an identity theft report to the Federal Trade Commission ( XXXX XXXX XXXXXXXX ), I am requesting the removal of the following account, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), reference number XXXX. Attached are the documents needed to facilitate this process. Please find below the account details as reported by each credit bureau, opened without my authorization : XXXX : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- -- -XXXX  : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- -- XXXXTRANSUNION : XXXX XXXX XXXX Balance : {$920.00}. According to FCRA Section 605B  ( a ), credit reporting agencies are required to remove any fraudulent entries from a consumer 's file no later than XXXX business days after receipt of a claim.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX is reporting account with XXXX XXXXXXXX XXXX XXXXXXXX. Here 's a draft for your CFPB complaint regarding the account with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. : **Company Information : ** - Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX **Complaint Details : ** I am writing to file a complaint against XXXX XXXX & XXXX XXXX XXXX XXXX XXXX regarding an account that is still being reported on my credit report, despite the company being out of business. 

**Account Information : ** **Description of the Issue : ** 1. I have attempted to verify this account with the credit bureau, but they stated that they conducted an investigation and could not verify the account because the company is closed.

2. I sent a letter to the company requesting verification, but it was returned as undeliverable.

3. Despite these efforts, the account continues to be reported on my credit report, negatively impacting my credit score.

I believe this account should be deleted from my credit report due to the company 's closure and the lack of verification. I request that the CFPB investigate this matter and assist in ensuring that my credit report is accurate.

**Attachments : ** - [ List any documents you are attaching, such as the returned letter, credit report showing the account, etc. ] Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Bank of America visa credit card XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Ref # XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX and XXXX working in XXXX, MN on those dates. Multiple charges made by XXXX and XXXX in XXXX on same dates. Not our charges nor were they authorized by either of us. 

See attachment for details and dates contact made to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

The only time a consumer reporting agency may furnish a consumer report are under the following circumstances and no other : ( o ) In accordance with the written instructions of the consumer to whom it relates. I Did NOT give you written instructions to furnish this on my credit report!!
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2017, I sent a wire to coinbase for {$12000.00} Usd. It has been 2 months, and I still do not see the money in my coinbase account, nor has it reversed to my bank. I have sent several help inquiries on their website and have never received a reply. Please may I have the money sent back to my bank or put in my coinbase account. It has been floating for 2 months.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated with the credit reporting agencies responses, claiming the investigation of these accounts returned as verified and updated. My credit report continues to contain multiple inaccuracies. 

Under 15 U.S.C 1681i ( 7 ) Method of Verification, I am entitled to understand the verification process your agency conducted. I demand a detailed account of every step taken to ensure the accuracy of these disputed items. 

Despite these investigations, my credit report still reflects discrepancies. Rectify these errors promptly and provide the documentation I am entitled to under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX DEPT OF ED/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  DEPT OF ED/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  DEPT OF ED/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had Three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Mortgage

I have a mortgage and HELOC with US Bank. Due to XXXX, I entered an 18-month forbearance plan on both accounts. The mortgage loan was successfully modified in XX/XX/XXXX and is current. I resumed interest payments on the HELOC on XX/XX/XXXX, and have made monthly payments since. US Bank claims they have not heard from me on how to proceed with exiting the forbearance plan nor have they given me options by sending documents to defer or modify as they did with the mortgage loan. They sent a letter on XX/XX/XXXX, stating if they don't hear from me by XX/XX/XXXX, the forbearance will expire and I will be required to pay the outstanding balance due in full of {$20000.00}, due by XX/XX/XXXX. I do not have the resources to pay this balance. I have tried getting in touch with them multiple times. Each time I call the customer service number, I get rerouted to different departments and do not successfully connect to someone who can help. I'm on the phone for several hours each time I call. I am worried US Bank will move this account to collections and I have tried to reach them regarding this issue 5 different times to no avail. Please advise. Thank you.
Product: Credit card or prepaid card

Navy Federal is reporting my Experience ( utilization ) and transaction ( account balance ) with their company to the Credit reporting Agency, XXXX. I feel like this is a violation of my rights as a consumer. My personal information is exposed to anticipated threats or hazards. when I applied for a car, a print out of my consumer report was furnished, I was not given that report and don't know what was done with it. My account balances were on that report. it could have been miss handled. my account balance has been used to verify my identity when speaking to a company regarding my personal account information. this is personal information that should not be included on my consumer report.
Product: Credit card or prepaid card

Community Bank website continues to be down not allowing us to access our account, make payments, or review charges. Additionally, the card is being declined every where except BJ 's stores. They phone number takes you to a recording but no answers from anyone, no representative to discuss the issue with. Yesterday, the recording indicated the service centers were closed.
Product: Credit reporting

My Name is XXXX XXXX XXXX XXXX. Me and my dad share the same name However they put his information on my credit report. Such as tax liens and child support and other collections that I 'm not associated with. I would love another accurate credit report. It took me forever just to get this one and it is n't correct I 'm very upset with the services. My social is XXXX ...
Product: Checking or savings account

I opened a business account with my certification of formation along with my tax id both new and never used before. Some kind of early warning came up during account opening the branch manager came over assured me everything would be fine with the account then i get a call saying the account would closed on the XXXX of XXXX by the branch manager. The account is still open i cant access my funds the branch manager and other associates have been very rude and u helpful. I called customer service and they stated this was a branch level hold and the branch made the decision to close the account. My electricity has been off for days because they are holding on to cash i put in the account open it deposits have been returned and no one will answer my calls or help me the account is still open still allows me to sign in online they even sent me a debit card that i was able to activate but the branch manager has some kind of hold on cash that i put in the account the account was opened on XX/XX/2024 it is now the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this report because today XX/XX/2020 I found out about two accounts and several credit inquiries on my credit report that do not belong to me. I was denied from refinancing my car and thats how I found out about all of these items on my credit that do not belong to me. I did not open those accounts nor did I make those credit inquiries. I did not allow anyone to open those accounts in my name nor did I give those companies permission to run my credit. I do not have any written/verbal contract with any of the companies listed on this report nor did I benefit anything from these accounts and inquiries such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts. I have filed a police report regarding this unauthorized accounts and inquiries that should not be on my credit.
Product: Credit card or prepaid card

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it.
Product: Bank account or service

On XX/XX/2016  at XXXX I entered my local PNC branch located at XXXX XXXX Florida XXXX.  I was there to make 3 separate transactions.  The first transaction was to deposit checks in the amount of XXXX into my business account.  The second transaction was to cash a check in the amount of XXXX  The third transaction was to exchange XXXX in small denominations for XXXX in XXXX.  The teller took the checks, and cash behind the window.  As I waited for my transactions the branch manager and I talked for a few minutes.  I saw the money machine dispense cash and the teller walked over and grabbed it, then walked over to me.  She gave me my deposit receipt that I have attached here, and she counted out XXXX XXXX bills in the amount of XXXX. She asked if I wanted a envelope and I said yes.  She gave me the envelope.   I walked out of the bank never receiving my last transaction which was XXXX in XXXX bills.  I went about my busy day and went home.  I counted my money when I got home and realized I was XXXX short.  It suddenly came to me that the teller never completed my third transaction, and I was never handed the XXXX.  By then it was too late to call the bank.  I waited until the next day, XX/XX/2016, and as soon as the bank opened I walked in and asked to speak to a manager. No one was available.  I explained to the employee what took place.  I was told I would be contacted.  I was contacted later that day by the branch manager and was told I would be contacted Monday, XXXX.  I was never called. I called the bank at XXXX and was told that the branch will have a security man look at the video the following day which was XXXX.  I received a call from the bank on XXXX.  I was told that the tellers till was accurate and that no action will be taken regarding my missing money.  I drove to the bank to speak to the manager.  She has a brief meeting with another teller before I was asked to enter the office.  I was told that no action would be taken on my behalf.  I asked about the video and the manager and her assistant told me that the video showed the teller counting out XXXX XXXX bills.  I asked to see the video, and I asked for some documentation stating that a professional reviewed the video and that I was handed XXXX.  I was told that they could not help me.  I contacted PNC cooperate office and was told that I have to wait several business days prior to any information pertaining to this matter.  I was never given the XXXX that the teller took behind the counter to exchange for larger bills.
Product: Debt collection

I disputed this account over 5 times, that account was Fraudulent open. I have no claim or ownership for this account and writing or electronically validation so it can immediately be remove from all three credit Bureau
Product: Credit card or prepaid card

Hello, i fill an online application for a Wells fargo credit card, and i fill all the information for the initial investigation, after 48 hours XX/XX/2020, i call and they told me i have to go to a near branch with two statement with my name and an ID, so i take my license ID, XXXX XXXX XXXX Statement and my car insurance where appears my address, my photo and full name. I went to the near branch in XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and by fax the y send all the documents. Passing the 24 hours XX/XX/2020 i can call again to know the resolution. I call and they told me, they not approved the car insurance as my address verification, so i sent my Pay stub from my Company because they said yes for that document, again, i call and the told me i have to wait another 24 hours. Again i wait the 24 hours XX/XX/2020 and when i call the lady very kind told my, they need now, the image of my social security number or my residence, i said, why if you have all my information, even you see me at your branch and an executive could see that was me. i don't understand why and i request for a supervisor, and the supervisor told me, because i am from XXXX they have to request more information and see if i am a residence person of the united states. I told her, i sent my pay stub from my company, and i to received w-2 i need to be a residence, also they have all my information. At the end they don't approve my credit card application because i'm from XXXX, i feel discriminated because i born in XXXX. that is not acceptable if i complaint with all the initial requirement for every resident or citizen of this country.
Product: Credit card or prepaid card

I tried to apply for a credit limit increase on XXXX for my shell credit card. My limit was XXXX dollars. After requesting a limit increase of XXXX so my limit would be XXXX it instead changed my total credit limit to XXXX. This system issue will negatively impact my credit score, which I am trying to keep strong so I can buy a house. Please provide assistance with this as that is an unacceptable programming error in a financial application.
Product: Debt collection

I am writing to request the deletion and removal of the following accounts and information from my consumer report. It is imperative that the accounts and information listed below cease reporting on my consumer report immediately. This action is in direct violation of the FDCPA and FCRA, and it is essential that these accounts and information be promptly deleted and removed from my consumer report. Please ensure the immediate removal of these accounts and information.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible in accordance with the Fair Credit Reporting Act and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

account was charged off with consumer remarks stating profit loss write off. No 1099 c form given. Continues to attempt to collect despite debt being forgiven Under the Fair credit laws + IRS rules canceled debt is income and no longer collectible. Navy federal is reporting negative and inaccurate information. They also continued to report charge off on report as fresh charge offs every month up until XXXX which is an abusive tacit meant to further damage. Theyve ceased reporting charge off every month but failed to correct previous months in which they were reporting charge off which is inaccurate reporting. Please remove and please send 1099c
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company ED Financial has placed two accounts on my credit report since XXXX. I have no knowledge of this account. My student depts were paid when I filed for chapter XXXX in XXXX. I have schedule of all payments made on all creditors. The company refuses to provide any details regarding this account and continues to reflect on my credit report. EDFINANCIAL SVCS Details Account # XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage - Balance {$7000.00} Balance Updated XX/XX/XXXX Original Balance {$2700.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 180 Months Responsibility Individual Your Statement - Comments Student loan - payment deferred Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX View All AccountsPreviousNext EDFINANCIAL SVCS Details Account # XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage - Balance {$18000.00} Balance Updated XX/XX/XXXX Original Balance {$9200.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 180 Months Responsibility Individual Your Statement - Comments Student loan - payment deferred Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX
Product: Debt collection

There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either. 

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 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 ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix