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

I have tried several times to remove a public record that is still showing up on my Experian credit report. XXXX investigated and found that the bankruptcy was indeed not mine, and it's not. The record was removed from XXXX and the other 2 credit bureau files. The only one to remain is Experian. They continue to state, " the reporting company verifys the account is yours. '' XXXX has send me a copy of my report which also verifys the record has been deleted. When speaking to the Experian dispute person, she told me they send the dispute to XXXX and they have 30 days to respond. When talked to XXXX they claim they do not receive the dispute from them. So which is it? There is no way for me to get this corrected unless someone else steps in and forces them to do the right thing because they want my credit to remain bad. Experian has been told time and time again that they are reporting false information on my credit report and it needs to be deleted per the FCRA. They are clearly not doing their due diligence in the dispute process. They can't or won't event tell me how the process works. It's clearly a rigged system where no one is held accountable to uphold federal law. I demand the public record be removed immediately or legal needs to be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint on this company. The company generated a statement saying that XXXX has investigated and is reporting this information correctly. This statement is not true. My credit report still shows as delinquent and my credit score has been negatively impacted by this information. I am providing screen shots as of today to show that XXXX nor XXXX XXXX reported or responded honestly to the status of this case. They just entered a response without truly rectifying the problem.
Product: Checking or savings account

TIAA Bank is not responding to my secure messaging communication regarding maturity instructions for my CD, which matures today. When I log into the online banking on TIAA 's website, I see that they are trying to set a new maturity date in 2024. I have provided instructions that the CD is to be paid out at maturity which is today. Concerns me that the bank disregards my instructions and ignores my contact attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I don't recall having a contractual relationship with this collection company CKS PRIME INVESTMENTS. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Checking or savings account

On XXXX XXXX XXXX XXXX XXXX, I deposited {$2500.00} into Bank of America ATM XXXX XXXX XXXX XXXXXXXX ). It was a drive through ATM. The loading screen loaded for around 10 minutes and says there is a problem with the machine and they will not be able to return the amount lost. Only {$300.00} was deposited in the end. I called customer service and they told me I would get a temporary credit for the {$2200.00} lost in the ATM, but I still do not have it. They are still doing research but I would like this expedited. I am certain there is camera footage in the ATM to show that I was there to deposit and how much I deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

My last payment for this automobile was made XX/XX/2015. The car broke down on XX/XX/XXXX. I notified the car lot on XX/XX/XXXX. The car shows as a repossession on my Transunion credit report. At the time I owed under 4k. The car company never contacted me to say they retrieved the car, offered me an amount to get the car once they repossessed it, the car lot did not let me know that the car was sold to someone else and did not take the amount they sold the car for from the balance I owed. My credit report show I owe {$7500.00}. This amount is incorrect. The car is currently for sale by the same owner just at a different lot.
Product: Credit card or prepaid card

Back in XXXX XXXX both my fianc at the time and I decided to split. We were high school sweet hearts and honestly we didnt know much about credit and how to use credit responsibly. My payment history was always on time prior to us splitting up. The problem was that I was always used to having two incomes ( mine and hers ). Transitioning into having one income I was truthfully over my head with utilities, rent, truck payments, medical bills as well as fullfiling credit obligations. I became depressed and ended up having to leave my job. I voiced my problem by which then the representative showed empathy but they couldnt do much else for me. My intentions were to pay my debts as agreed but my only options at that point were to either file bankruptcy or leave my debts unpaid until I could pay them. I now understand what it is to be responsible with credit and paying debts as agreed.
Product: Mortgage

In the middle of XXXX I began applying for a mortgage. I had gotten pre approval letters from 3 lenders for USDA Guaranteed loan. I was approved by Quicken loans had an approval letter, and put in an offer on a house that was to be built. 

Everything was processed, and when I asked for the next step in the process, they told me it was the " good faith deposit '' of {$500.00}, that would be used to pay for the appraisal and roll into the closing costs. I was assured this would be refundable, as the appraisal wasnt going to be done until the home was built. Of course, this was never mentioned until I pointed out that they were not my only potential lender, as I was shopping around, suddenly, they needed a deposit. 
DO NOT AGREE TO QUICKEN LOANS GOOD FAITH DEPOSIT AGREEMENT! 

after 8 weeks, and submitting every document requested, i was told last night that Quicken loans was unable to approve me through USDA financing. My very next step was to ask that the deposit be refunded. This morning I got a call trying to convince me to borrow money or get a gift for a down payment, since my only option was going to FHA loan. When I told them that was not an option, they told me the appraisal had been done, and the money was not refundable. 
The appraisal they gave me and my request for a refund were both dated XX/XX/2019. 

I was adamant that the money would be refundable, and was told the appraisal would not be completed until the home was built. This was only a deposit to continue to process my loan. I was lied to. 

I feel that the lender is a scam, knowingly progressing to a point of no return, then having it all blow up in my face, walking away with my {$500.00}. 

How could I get to this point with USDA financing, only to be told they cant do it. I am aghast. 

Why would a company request an appraisal for a home not yet built, knowing full well they will not be able to finance the loan with the agreed upon terms?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX account # 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 an account without my written instructions.
Product: Debt collection

XXXX, XXXX ; XXXX, XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX is knowingly and willingly committed aggravated identity theft and these individuals have stolen my identity to fraudulently establish accounts and then sell those accounts to Debt Collector : SUMMIT ACCOUNT RESOLUTION WHO HAS TARNISHED MY PERFECT CREDIT SCORE OF XXXX BY A XXXX DEDUCTION now XXXX FROM XXXX. I have never done business with XXXX, XXXX who is fraudulently claiming to be an original creditor. These entities and individuals are stealing my identity to fraudulently create a {$300.00} debt that has damaged my credit and caused me commercial injury and harm. I am filing a federal criminal complaint as well as a federal civil complaint against ALL of the individual 's names above. These companies XXXX, XXXX, AND SUMMIT ACCOUNT RESOLUTION are committing FRAUD and aggravated identity theft as well as conspiracy. I have prepared and will file a Federal Criminal Complaint against all executives of XXXX, XXXX for Conspiracy, Identity Theft and Fraud. I will also be filing a Federal Civil Complaint. I have filed complaints with the FTC and received an Identity Theft Report. I have also filed an Identity Theft Affidavit with the IRS. I will also be filing a criminal complaint with th Sherrif Office where XXXX, XXXX is located in XXXX Florida as well as where SUMMIT ACCOUNT RESOLUTION is located in Minnesota.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America through its XXXX  XXXX XXXX  credit card reported negative information to credit reporting agencies regarding a credit card charge. The credit card in question is on Auto Pay to debit my XXXX XXXX bank account. However BOA did not carry out the debit for three months so far and tacked on many charges of interest and late payments and caused my credit rating to drop by several hundred points. BOA also took me to internal collections
Product: Credit reporting or other personal consumer reports

Send the following letter enclosed with this complaint to this company on XX/XX/year> once again asking for method of validation to which I only received a letter pretty much stating the debt is verified from the XXXX, XXXX, and Experian. And XXXX sent me a letter stating no Adjustments are required based on their investigation and XXXX response is enclosed as well. These companies are violating my rights Continuously, by not following fair credit report act and other federal laws.
Product: Debt collection

They keep reporting on my credit and I do know owe them anything they will not verify the debt the they say I owe. And I want them removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX did a soft inquire on my Equifax credit report. They did not provide " reason codes '' according to Equifax. Equifax says without these " reason codes '' they can not properly categorize the inquires. XXXX has been notified and still has not provided a " reason code '', so the inquires are showing as " hard '' when in fact they were soft. Equifax and XXXX XXXX won't pick up the phone and talk to each other and keep hanging up on me like little children. Equifax said that XXXX knows they are required to provide a " reason code '' yet they continue not to do so. Equifax says that if XXXX would " call them '' they could resolve this in minutes not the " weeks '' that they have taken. Also both Equifax and XXXX ignore their responsibilities during the dispute as neither side was able to communicate this " error '' and resolve it instead they " pretended to investigate '' and did nothing, it took me hours and hours to get this simple solution!!! XXXX under federal law and the rules of Equifax need to " provide a reason code '' yet still have not done so!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Transunion and XXXX with no successful resolution. XXXX and Transunion are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a mortgage and my credit report came back with a lot of accounts that are not mine and bankruptcy I never file for. All of this information is reporting on the Experian and XXXX. The credit information reporting on XXXX is correct. I have tried to dispute the reporting with the other two bureaus but they have not processed my disputes or remove the bad accounts.
Product: Credit card or prepaid card

On XX/XX/XXXX I called and spoke with a member of their team known as XXXX I asked for my account to be closed and he stated a confirmation letter would be sent to my current address. I received a confirmation letter with that same date We have close your Kohls charge account as requested. 

On XX/XX/XXXX I received notification from one of my other credit cards ( XXXX XXXX ) stating they would be unable to continue to allow me to use my credit card due to my deceased status on my credit report. I ran a credit report through each of the credit bureaus and each of them showed the Kohls account status as consumer deceased. 

I called and spoke to XXXX on XX/XX/XXXX and he had me go to a local Kohls store to prove I was very much alive. I show two forms of ID and they said within 30 to 60 days they would remove it from my credit report that they had missed keyed their entry. They also stated I would get a letter confirming their mistake in 2 weeks. 
All of this information was confirmed by a supervisor named XXXX employee number XXXX. 

XX/XX/XXXX I called as I had still not received the letter and spoke to XXXX as well as XXXX employee number XXXX who states that the card was closed due to me being deceased they are just now opened a dispute with their company as of XX/XX/XXXX. The resolution of this phone call with stated that the status on my account would be updated in 24 to 48 hours and the credit bureaus were already told as of XX/XX/XXXX that I was not deceased. 

XX/XX/XXXX I received a letter from Kohls stating that I had recently requested a Kohls credit card account be re-open but they were unable to process this due to missing income. At no time have I asked Kohls to re-open my card I am simply asking them to correct their error in keying my credit report as a deceased consumer. When I called on XX/XX/XXXX again I got the same answers of they hadnt started yet but that I would get a letter as soon as they had. 

I have filed a dispute with each individual credit report all of which have returned to me having corrected the deceased portion however today I spoke with XXXX and they stated that Kohls was still reporting me as deceased and though they can fix it internally until Kohls fixes that my credit report will remain troubled. I would have to call every time and tell the credit bureaus I am not deceased until I can get Kohls to fix their internal error.  Unfortunately I feel I can get nowhere with Kohls they are refusing to admit error on documentation or fix their error in mis-keying my account as deceased.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Captial One 's failure to deposit my direct deposit from my employer. Capital One has cited technical issues that may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. My pay date was XX/XX/XXXX. It is currently XX/XX/XXXX and I have not received my deposit. With Monday being a bank holiday I am unsure if I will receive my deposit before Tuesday. Capital One has sent one generic email stating that the issue would be resolved as of Friday the XXXX, which it was not. I request your assistance in investigating this matter to ensure my rights are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by the housing service ( XXXX XXXX ) today XXXX XXXX XXXX  that I have a fraud alert on my personal information via TransUnion. I tried on multiple occasions to contact Transunion. I can not get through their automated screening nor talk to an operator. Extremely frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. U S DEPT OF ED/XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. USDOE/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Checking or savings account

A mistake with a transfer placed automatic restrictions on the account. An email directed me to call customer service to address the problem. But the problem, which was pretty simple, required conversations with XXXX different employees and the phone call lasted nearly XXXX hours ( XXXX hour and XXXX minutes ), the vast majority of which was spent waiting on hold. The underlying problem itself was ultimately resolved. But I have never called Citizens Bank customer service and not been told there is an unusually high call volume and to expect a long wait time. ( The audio message said to expect 20+ minutes. ) It is excessively burdensome to expect customers to have to spend XXXX hours on hold in order to resolve simple problems!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$2000.00}, {$28000.00}, {$0.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

4. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- AUTO ACCOUNTS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried at least since XX/XX/2019 to revolve a matter of an unvalidated account with XXXX XXXX XXXX XXXX, XXXX has received several ( al least 6 attempts ) to validate or remove the account. XXXX has not resolved this matter and the negative account is affecting my credit score, causing me high interest, higher deposits, and the denial of a home purchase. I have prof of mailed letters sent to XXXX asking for this account removal. XXXX has always come back with a " verified with creditor '' never providing information You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act.
Product: Credit card or prepaid card

I started a bill error complained on XXXX for an charge from XXXX XXXX XXXX, which Suntrust Bank dont want to Investigate because the 60 day Rule has pass ( copy attached of the latter ) is my Understanding that by Law ( CFPB ) is two years. 
Please investigate Thank you XXXX XXXX SunTrust Bank XXXX. XXXX  XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX : Credit Card Number ending : XXXX Case Number : XXXX Dear XXXX XXXX XXXX : Thank you for your inquiry on your SunTrust card account. 
SunTrust has received notification regarding your billing error dispute with XXXX XXXX XXXX. Per the cardholder agreement SunTrust must be notified within sixty ( 60 ) days from the statement/billing date on which the error first appeared. We did not receive your billing error notification within this time period ; as a result your dispute case has been closed. 
Should you have any questions or require additional information, please contact our office at XXXX. 
Sincerely, Fraud Assistance Center XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX