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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX and XXXX. All theses. Inquiries on my report where disputed their investigation all these inquiries where due to fraudulent activity ive they still wont these items off my report or give me any proof that its me. Being to lazy to truly investigate this problem XXXX XXXX XXXX  Unlocked : Access granted XX/XX/23 XXXX XXXX  ... XX/XX/23 XXXX : Access granted TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX granted CONSUMER XXXX XXXX Unlocked : Access granted XX/XX/23 XXXX XXXX XXXX Inquiry XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer my rights has been violation by law ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account has been disputed multiple times, and Trans Union has failed to verify the account. They have also filter provide me with any documentation with my signature on it, making me liable for the account. I have disputed the account listed below with XXXX and XXXX and both companies remove the account from my credit report. I would like Trans Union to do the same and remove this damaging information from my report. The account I am speaking of is listed below : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent a compliance letter to Experian, XXXX, and XXXX, requesting corrections to my credit report due to being a victim of identity theft. Despite filing and submitting my FTC report to all three bureaus, they have not rectified my credit report. This is impacting my ability to utilize my VA home loan as a recently XXXX XXXX XXXX with a XXXX XXXXXXXX and as an XXXX XXXX. Its causing significant hardship and non-compliance. I kindly request the Consumer Financial Protection Bureau ( CFPB ) to assist me in expeditiously removing all negative reporting items from my credit report within the next 72 hours, with USPS receipt proof available.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently 3 accounts showing on my credit report that I have never opened. I am a victim of id thief I have a police and a ftc report on file with these companies yet they are still reporting inaccurate data about me
Product: Debt collection

This business has called my job twice after I specifically asked them not to. 

These people also refuse to reveal who they are when they call. When they call they do not leave a message and just hang up. I am being harrased,
Product: Credit reporting or other personal consumer reports

Violation of 15 USC 1681b ( e ) ( 6 ) Your Company is in VIOLATION of 15 USC 1681b ( e ) ( 6 ). ALL CRA 's must maintain a joint notification system. I do so believe that this subsection was put intact to maintain MAXIMUM and proper accuracy amongst consumer reporting agencies. This account and information being reported does not match the other consumer reporting agencies. This means your company has failed to keep a joint notification system. WHICH NOW PLACES YOU IN VIOLATION. REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY. 

Account : XXXX XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank = Citibank N.A. 
Account = basic checking account. 

I was charged a monthly {$12.00} account maintenance fee on : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 The account opening packet mailed to me by Citibank asks that I maintain a combined average monthly balance in qualifying linked deposit accounts of {$1500.00} or more. 

The Certificate of Deposit I opened on XX/XX/2022 started off with a balance of {$1000.00}. Upon opening the CD, Citibank emailed me saying " Welcome to your Citibank savings account! '' My online account overview page shows my CD under the savings accounts section. 

After adding the balances in my CD and checking accounts, my total balance always exceeded {$2000.00} and often {$25000.00}. 

On XX/XX/2022, I mailed Citibank a physical letter including screenshots of my account overview page and their account opening packet with relevant sections highlighted. 

I received no response from Citibank and I was again charged a {$12.00} account maintenance fee in XXXX.
Product: Checking or savings account

I have received a letter that the bank is closing my savings account. I've been in this bank since it was XXXX XXXX XXXX in 1968. Letter states we decided to close your accounts but the refuse to ste why they are closing it. They are not closing my business account which is linked to it. There was a small checking account linked to it for 5 years that was never used and my bank manager closed it out for me a couple weeks ago. Then this happened out of no where. I currently have over {$120000.00} in the account. My current credit is over XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I was offered a guaranteed loan for {$4000.00} and in the process Mariner Finance in XXXX Georgia pulled my credit and told me that my Birthday is displayed where my social security number is and I should call XXXX to fix it on XXXX with them the phone for verification because they arent allowed to call credit bureaus on consumers behalf. So I did just that and then I was told that my credit score isnt reporting so I got that fixed but XXXX said they did nothing to fix it now, I called Corporate to report that office for blowing me off, being rude, not being professional and just all around not doing their job. Corporate calls me back 3 days later to tell me that she spoke with XXXX and she a very nice XXXX  with a great speaking voice and XXXX told her shes doing everything possible to help me so I told her ( I think her name was XXXX ) I didnt call you to check XXXX well speaking voice, I called you because I have been mistreated, tossed aside and the office is being dismissive of me and not doing their job! So now I threaten to call CFPB now the XXXX XXXX told me they can give me a loan for {$2000.00} when in fact my loan is a guaranteed {$4000.00} and that is what I want!
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly CORRECT or REMOVE the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Citi bank someone hack my account charges and make big payment looking like it came out of my checking account but i did not make the payment
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian/XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 opened a Huntington bank account on XX/XX/XXXX and received a fraud hold when I tried to login to online banking. Huntington has refused to close or downgrade the account over the phone and I can't do it online. Due to COVID-19 I am physically unable to come into a branch location. I've called several times and spoken to multiple representatives and managers - they keep giving me misinformation and telling me they will call back. Please close the account ASAP
Product: Debt collection

i sent a letter to the credit agencies, i dont even know who these people are
Product: Vehicle loan or lease

Not sure where to start with this company thell tell you one thing on Monday and by Tuesday do something different. 

I have had countless issues with this company from deceptive billing practices, deceptive dales practicies we wanted an auto unit were told the company would do this that was not the case tried to swap or rewrite nothing but the runaroud. They had my info incorrect in system claimed we spoke on days we did not and on days we did speak had no record of. 

They have no website, no app they advised they were correcting XX/XX/XXXX XXXX and XX/XX/XXXX on CRAs Every rep had a different reason why its not done. I said I feel like Im being ripped off do I need to consult a lawyer for help just for you to make an attempt to work with me they blacklisted me customer service wont speak to me they wont take payments via phone or mail and keep shuffling me around. Ive been on the phone for 3 hrs i have the logs for when they try to backpedal there too.
Product: Checking or savings account

I deposited {$1700.00} in cash at ATM machine from Bank of America. The machine took the money and started counting and all of the sudden stopped the screen when Black in the machine completely stopped there was no noise and no action on the screen. I never had this happened before, I waited after a minute or two I dont know how long the screen started to show some letters and names like labels of the company think like that. Eventually, the machine started making noise again like it was processing something. The screen came on the Bank of America screen, and it gave me my debit card back, I was able to log out and I went back in to see if the transaction went through to my amazement there was no money in the account except for a - {$20.00} balanced. I tried to talk to the bankers inside the office and nobody opened. Eventually employee came out that was leaving for work and I explained the situation he looked at the machine, but he said he couldnt do anything because it was a temporary assignment. This happen on XX/XX/XXXX between XXXX and XXXXXXXX XXXX. This happened at XXXX XXXX XXXX XXXX, XXXX. Boa Claim # XXXX.
Product: Debt collection

On XX/XX/XXXX a report of a collection debt ( XXXX XXXX XXXX XXXX XXXX ) was placed on the Experian credit bureau file under my name. Upon discovery, the credit bureau provided inaccurate or misleading information that the consumer isn't sure where to send. The website and app show two different address and at one point no contact number. As a company that sells people 's information for profit to support their business, the consumer ( with the credit file ) is supposed to be allowed to contest every debt and all debts ( by the original creditor ) and under Fair Debt Collection Practices Act. 

Experian has already had a class action lawsuit against for providing wrong information and paid a {$22.00} XXXX dollar fine without admitting fault ; lack of accountability. In addition, XX/XX/XXXX article shows " Experian had identity thieves had worked out how to bypass its security and access any consumer 's full credit report armed with nothing more than a person 's name, address, date of birth, and Social Security number ''. This is not only concerning, the trust of the public are in the hands of a company that can not even do anything accurate to assuage Experian Credit Bureau is trustworthy, accountable as the company severely lacks, have distasteful policies and practices, and provides misleading information whether on the website or app. 

Every consumer has the right to dispute and needs the correct information vs misleading information that can be interpreted as " bad faith business practices '' or tactics used to delay/aid another company in collecting debts ; that violates due process. XXXX XXXX bought a debt after the original company ( XXXX  ) has already written it off the debt, and a third party company ( whom bought for less ) is wanting to make a profit, slander/libel your name publicly, and use all kinds of ridiculous methods to talk and use sneaky tactics against every day people. 

Experian must provide " accurate and current updated information about creditors/debit creditors '' as this provides/allows consumers to address alleged debts in good faith business practices unless they are supporting this unethical behavior which needs to be public awareness. By providing wrong, misleading, inaccurate information comes as Experian is in cahoots with XXXX XXXX which is not only unethical, it's dishonest and uncivilized.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I was reviewing my Experian report. I noticed some errors with my name and address. 

XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX Social security Variations : XXXX and XXXX ( does not belong to me )
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report on XXXX XXXX and I noticed an inquiry from XXXX which I don't have an account with them. I called the company and after verifying my information they said that it's truth that I don't have an account with them. They told me to report this online to consumer finance so they can remove it from my credit reports.
Product: Mortgage

I had a condo in the XXXX units complex which was burned down 3 years ago including the entire complex. 
By the time of the fire my outstanding mortgage was {$25000.00}. I had the home owner insurance and after the fire the insurance company sent me a check for {$25000.00} which I sent to the mortgage company. They applied this amount toward the interest and other fees and the remaining to my principal which left me with outstanding balance of {$12000.00}. XXXX years ago, the mortgage company put a foreclose on this property, but they never completed the foreclose process because there is nothing to take. I 'm stuck in this status which ruins my cred history. I spoke with the mortgage company so many times, but the loan owns by Fannie Mae and they do n't want to settle my case or forgive the remaining balance. What should I do and how can I complete the foreclose process and start to recover my credit history? 
Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Debt collection

I am writing in regard to a debt collection statement that I recently received from Williams & Fudge Inc., on behalf of XXXX XXXX University, XXXX XXXX. The statement indicates that I owe a debt of {$3700.00} to the university. 

However, I must inform you that I never attended any classes at XXXX XXXX University, XXXX XXXX. Due to a medical issue, I was unable to attend any classes so I unenrolled before the fall 2022 semester. I have already sent an email to the university explaining this situation and requesting that the charges be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that is not mine I have not applied used or know of this account I need this off my credit report ASAP!!! 

XXXX XXXX XXXX  XXXX  - Acct # XXXX Amt {$7300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has always reported me as a credit risk. Regardless of how well I pay my bills or pay off my bills my scores with this company continue to be in the fair zone, costing me higher than normal interest rates. I attempted to address this matter with them but I was unable to get pass their automated system, there were no prompts that allow for a live operator or an email response. It almost seems when I report a problem to an attorney, government agency, etc, XXXX  retaliates by lowering my score or adding old information to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX XXXX XXXXXXXX on my credit report for months now. Today I received a letter from XXXX XXXX XXXX stating that I openend this account back in XX/XX/XXXX. First off this is old information ( over 7 years ) and secondly the information they put in this letter is wrong. I did not make any payments after XX/XX/XXXX. I don't no where they are getting there information from but it's wrong. I checked with my bank but due to being over 7 years they are unable to verify from that far back. There was fraudulant activity done on this card back in XXXX. I contacted the bank immediately back then and told them that I did not make these cash advances nor purchases. Today in XXXX this account is still reporting negatively on my credit reports and is affecting my credit score. XXXX XXXX XXXX is stating it will remain on my reports from the date of the charge off. Well they charged it off in XXXX. This is not my issue. I contacted them and told them of the fraud back in XXXX. I want this information removed off all my credit reports.