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

The following inquiries have been on my report out of nowhere. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge and I have been having issues with fraud for the past 3 years. The creditors said that they had notified Equifax of this and it is Equifax who should make these changes by removing the inquiries. 

XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Us Department Of Edu Inquiry from XX/XX/XXXX State Us Department Of Edu Inquiry from XXXX XXXX, XXXX State
Product: Credit reporting or other personal consumer reports

-- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Credit Report Dispute for Account Opened Fraudulently Dear Transunion Dispute Department, I am writing to dispute an item on my credit report that reflects negatively on my credit history. The account in question was fraudulently opened, and I believe this information is inaccurate. 

- Name : XXXX XXXX XXXX - Account : XXXX XXXX XXXX XXXX  - Account Number : XXXX I recently obtained a copy of my credit report from Transunion and noticed an account that I did not open or authorize. This account is negatively affecting my credit score, and I have reason to believe that it was opened fraudulently without my consent. 

I am formally requesting an investigation into this matter to correct the inaccuracies on my credit report. I kindly request that you : 1. Conduct a thorough investigation to determine the validity of this account.

2. Provide me with any information related to the account, including the date of account opening, the name and contact details of the account holder, and any supporting documentation.

3. Remove this account from my credit report immediately as it is a result of fraudulent activity.

I have attached copies of supporting documents that may assist in your investigation. 

Please inform me of the results of your investigation once it is completed. You can reach me at ( XXXX ) XXXX or via email at XXXX to provide updates or request further information. 

I appreciate your prompt attention to this matter and your assistance in resolving this issue. I am committed to ensuring the accuracy and integrity of my credit report. 

Sincerely, XXXX XXXX XXXX ---
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit Reporting Act, the following creditors have violated my rights under 15 UC 1681 section 6 o 2 states that I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Creditors in Violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. I demand the following accounts to be verified or removed immediately : Name of Account Number Provide Verification Creditor 1 XXXX  XXXX XXXX {$870.00} ACCOUNT # XXXX Creditor 2 XXXX XXXX XXXX XXXX XXXX XXXX$740.00} ACCOUNT # XXXX Creditor 3 XXXX XXXX {$2200.00} Creditor 4 : XXXX XXXX XXXX {$150.00} Creditor 5 : XXXX XXXX {$13000.00} Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is currently reporting 2 mortgage accounts on my credit file. Both are showing 1 late payment but each account is reporting a different date. I have already provided written proof to XXXX via mail and fax several times last year trying to correct/remedy the situation. 

Current mortgage account : XXXX XXXX- this account was not opened until XX/XX/XXXX so it should not be reporting any late payments in XX/XX/XXXX or anything prior to XX/XX/XXXX. 

Previous mortgage account : XXXX XXXX- this account transferred XX/XX/XXXX to XXXX XXXX- this account did not have any late payments and based on the incorrect reporting on both accounts it further validates my claims that XXXX is erroneously reporting inaccurate information on my credit file. 

I have attached my bank statements that further support my claim ( the payments are highlighted in yellow ) : XX/XX/XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX XXXX XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX I have written to XXXX  several times with no response showing the conclusion of their investigation as well as no additional info about my supporting docs.
Product: Money transfer, virtual currency, or money service

I was a member of cash app. I had multiple transactions that were unauthorized. Tried to resolve but no one was available for customer service. My account was close XX/XX/year> with no notice just an email stating I was gambling which I was not
Product: Credit card

Bank of America sent me a targeted offer of XXXX miles if I opened a credit card with them. They approved the card, and I completed the minimum spend. I received XXXX miles. I filed a complaint with them, and they told me I had to apply for a credit line increase to get the remaining XXXX miles, as I did not have sufficient deposit and investment accounts with them. The promo material for this offer does not include the stipulation that I have to have certain investment or deposit accounts with them to receive the offer as promised. I have been a Bank of America customer for many decades, having XXXX accounts and a mortgage. My credit score is well above average. They then told me if I requested a credit line increase in three months, the missing miles would be credited. But what they did not tell me was that I would have to let them run my credit for a second time, and reduce my credit score by doing this. This information was left out. Since my credit score will be the same in three months as it was when I applied, they are showing that they are not intending deliver the miles that were promised when I signed up for their offer. This is an unresolved issue, and is unfair.
Product: Credit card or prepaid card

I tried for a THIRD time on using the promotional XXXX  link on another purchase and I still did not receive the correct promotional reward. Purchase amount was for {$590.00} on XX/XX/21. I had a feeling it would not apply correctly, so I took a VIDEO AS PROOF that the purchase was made correctly, following all the rules and using the correct link. 

Here is the video : XXXX XXXX XXXXXXXX There is obviously a glitch in their system that is preventing the promotion from applying, at least for me. It could be possible that other customers are affected but have not yet noticed to complain. AMEX needs to do some serious digging here, as this could be false advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus seem to throw my letters out or do not do anything on my file. I want the inquiries I did not authorize removed. My name and alias names need to be corrected. My addresses are wrong as well. I am attaching a letter of explanation.
Product: Mortgage

On XX/XX/XXXX I made a payment of {$20000.00} on my mortgage. Clearly written on the check was " Extra to principal ''. This should have resulted in {$890.00} for the XX/XX/XXXX payment, and a {$19000.00} principal payment. Selene Finance did not do that. They took the XX/XX/XXXX payment, then took a XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payment, each at {$890.00}, then applied {$16000.00} to the principal. I called them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time they say the issue will be fixed, but have yet to fix it. My requests to speak to someone else have been denied. I keep speaking to the same " manager ''  who tells me it will be fixed, but refuses to tell me when or provide me with the name and number of someone who can fix the problem.
Product: Credit card

Several months ago, XXXX ended its relationship with XXXX XXXX and transferred all accounts to Barclays. The transition was handled incredibly poorly. I always paid my balance in full and monitored activity online, but because all records of my transactions disappeared from the XXXX web portal, I was unable to check my balance and did not agree with the balance that Barclays was showing and do not believe they applied the last payment that I made to XXXX XXXX. I have been on the phone with both companies several times in an effort to resolve this, but 3 months later have been unable to do so. In the meantime, I am not willing to pay Barclays the extra amount -- over {$1200.00} -- that they believe that I owe and which I believe was paid and the account has accumulated late fees and interest penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX XX/XX/2022.
Product: Debt collection

I received a lawsuit by my local court stating that I was served by alternative means via mail and by leaving summon papers by the door on a debt owed but I did not receive anything other than a copy of someone else 's lawsuit that was placed by my door. This is a poor tactic to get the court to say they have served me and now I have a court date on XX/XX/2021. This is not right.
Product: Credit reporting or other personal consumer reports

The following account is showing on my credit report with just XXXX, no account number, I checked with XXXX XXXX XXXXXXXX, but they told me I should file a report since I do not recognize this account and I suspect identity theft. 

The account is as follows : XXXX XXXX XXXX XXXXXXXX {$7200.00} XX/XX/year>
Product: Checking or savings account

We mailed a check to IRS for {$25000.00} on XX/XX/XXXX. Several days later we have received a call from XXXX  XXXX XXXX informing us that someone tried to deposit a fraudulent check but it was caught. Our check to IRS was intercepted through the mail system, washed and rewritten. XXXX has informed us that the funds were safe and we just need to let XXXX ( our bank ) know to process the request for refund. 
We have notified XXXX immediately and opened a claim. The claim has been mishandled over and over. Initially, submitted documents were not being added to the claim despite two bank branch submissions. After nearly 3 months of followups and revisiting, XXXX closed the case stating that funds were refunded, which was incorrect. So the case has needed to be reopened. It was not until middle of XXXX that XXXX has finally submitted a request to XXXX  for the refund. Upon multiple followups, we were informed that this process can take months as banks take their time in responding. It is not clear why. As of today, we have received a letter stating that if within 90 days, the case would be closed. This is despite the fact that claims respresentative has informed me that we will have to wait, as the case may take time. And apart from not taking proper action for nearly 4 months, XXXX is still not providing us an update It appears that both XXXX and XXXX are being deliberately inattentive so that they do not have to refund the {$25000.00} It would be appreciated if you could help us with this case
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I asked Experian to reinvestigate the following accounts on my credit report. XXXX XXXX XXXX, XXXX - XXXX. They received my Letter on XX/XX/XXXX tracking # XXXX XXXX XXXX XXXX XXXX XXXX. Experian said that the accounts were verified. per 15 usc 1681i i have the right to request clarification of the method of verification. On XX/XX/XXXX i formally submitted my request for the method of verification. per the FCRA the company has 15 days to respond and as of today i have not received the method of verification paperwork that i requested and is lawfully entitled. according to the FCRA consumer reporting agencies hold a responsibility to publish 100 % accurate information. one quick glance at my credit report and i can spot inaccuracies. if an investigation was performed, they would have found these mistakes also. XXXX : the first error I spotted is " high credit '. XXXX and experian list the account as having a high balance of {$6700.00}, but XXXX says the account high credit is {$5800.00}. This clearly not 100 % accurate .Which one of those high balance is 100 % acccurate? another obvious error is the date last active. XXXX has XX/XX/XXXX, Experian XX/XX/XXXX, and XXXX XX/XX/XXXX. how is it possible for one account to have different dates of last activity. these are examples of errors that i see and should have been identified when Experian performed their reinvestigation. the same with XXXX XXXX affirm is listing this account as being 30 days late.

per 15 U.S. Code 1666b - Timing of payments U.S. Code Notes prev | next ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

i have requested ALL information involving the reinvestigation of this account and i have not received anything. I'm requesting both accounts to be removed from my consumer report. it's too late to finally provide a valid investigation please delete the accounts. 

i have included proof of my claims. my reinvestigation letters, methods of verification, my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint ( number assigned XXXX ) in refgards to unauthorized credit inquiry. I received an email from Equifax on XX/XX/XXXX stating the dispute response was available and it could be read by entering an assigned number ( XXXX ) along with other personal information. After following the email instructions a message came back stating no information was found! Is this a Equifax scam? I am concerned where my personal information went and is it safe?
Product: Credit reporting or other personal consumer reports

I found unauthorized inquiries on my credit report this evening, and Im completely at a loss as to why theyre there. Ive checked my credit report as I usually do, but this time, unexpected discrepancies appeared. I even refreshed my browser, hoping it was just a glitch, but the unauthorized inquiries remained. Im really upset about this and urgently request that the documents Ive provided are thoroughly reviewed so I can finally put this worry to rest.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act ... the account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681, XXXX XXXX XXXX XXXX section 602 A, right to privacy 15 USC 1681 604 A section 2, a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I have communicated with Diversified Consultants several times regarding a bill I may owe to XXXX from several years ago. I have asked them numerous times to send me documentation about this bill and all they keep telling me is it was already sent out. I need to see this bill. I did have XXXX years ago, and thought there wasn't anything owed. After initially speaking with them thought about it I wanted docs showing where I owe it. All I would like is Documentation on this bill and for some reason can not get it. 
And on top of that, they listed my open date as XX/XX/2018 which is a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. Over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted expeditiously. If the accounts are not deleted immediately, I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
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. 

XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

I have been disputing this company on my credit report for several years and they have yet to verify this information is mine. I called them and they could not even verify my address. Asked them to send me a wet signature of any information from me that identifies this debt is mine and it is still on my credit report years later. I want this resolved immediately because giving them 30 days is not acceptable when they never verified that this is my debt because it is not. I want this removed from my credit report immediately. It is not my debt and is making my credit score horrible. I disputed the information with the credit bureaus and they have yet to remove anything.
Product: Credit reporting

This would also relate to cfpb case numbers : XXXX & XXXX, filed against XXXX. 
On XXXX/XXXX/XXXX, I contacted " XXXXXXXXXXXX '' to notify them that my mortgage account being serviced by XXXX XXXX XXXX, XXXX was paid in full on XXXX/XXXX/XXXX by wire transfer, with such enclosed documentation so that my credit report could be updated and consequently improved. However, XXXX XXXX 's email response on XX/XX/XXXX was that I needed to initiate a dispute, which was effectively immediately done through their very restrictive website prohibiting ways to adequately formulate the nature of the complaint. Today, through EXPERIAN 'S report number XXXX, dated XX/XX/XXXX, it refutes my claim that the mortgage loan which XXXX had been servicing has indeed been paid. In fact my newest credit report dated XX/XX/XXXX, my order number : XXXX, shows the real estate accounts with Experian ; XXXX and XXXX remain at {$170000.00}. And to make matters even worse, the report also indicates that my credit scores with Experian and XXXX have been lowered to XXXX from a high of XXXX most recently, and probably XXXX will soon do the same. 
This is vexing and extremely humiliating since I have gone to extraodinary lenghts to pay off the mortgage loan to XXXX for an overall sum of {$170000.00} on XXXX/XXXX/XXXX, plus additional closing cost of {$16000.00} and an addtional remittance of {$2900.00} for taxes for which an escrow account already existed with XXXX. The closing could not be effectuated if I had not disbursed that sum of money for real estate taxes. In total, in order to safeguard a good credit report, I sold my house for {$180000.00} on XXXX/XXXX/XXXX and which I paid for on XX/XX/XXXX in the amount of {$230000.00}. But the damages to my credit report continues because, Experian will not amend the report to show full payment of the loan and on top of it, the newest report shows payment latenesses on XX/XX/XXXX and XX/XX/XXXX, when XXXX was informed that the loan was due to be paid in full in XX/XX/XXXX and for which it provided a PayOff Quote Valid Through XXXX/XXXX/XXXX for {$170000.00} but which it ultimately increased to {$170000.00}. EXPERIAN is acting in bad faith and does not show any concern for the right of the consumer who attempts, even through incredible financial losses, to maintain an honnest and credible financial status. When the financial mortgage sector had collapsed in XX/XX/XXXX, I could have foreclosed on that loan but decided against it, despite numerous legal advice, in order to preclude such a negative notation in my overall credit bureaus rating. But instead, the response is absolute contempts by the credit bureaus. I demand that these wrongdoings by Experian and the other credit bureaus be immediately corrected.
Product: Money transfer, virtual currency, or money service

I transferred money from XXXX to USA via WISE on XXXX XXXX on what was promised a two day transfer. It has now taken 5 days and still no money. I have complained, I have tried to get help but no resolution and they still have my funds. I have called three times, sent three messages, and nothing.