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

XXXX  Credit Report XXXX XXXX Credit Report I have sent 6 letters outlining there failure to abide by the FCRA and demand deletion of these accounts immediately. I have show previously on my credit report that they are violating my rights. There are 2 different dates and information for a collection with Ad Astra on my report. So how can it come back as investigated and verified as factual. My documents prove that the credit bureau did not do a competent investigation of the information when the dispute was assigned. I have also asked for validation and verification previously and never been provided service. Even though I supplied documentation that proved this account is inaccurate they have failed to recognize this and supposedly " verified '' the accounts as accurate. This is a violation of the FCRA which require them to complete a reasonable investigation, which was obviously not done in this situation. I have included all previous disputes to show pattern. 

I have also attached Credit Reports from XX/XX/XXXX and XX/XX/XXXX and Results of investigation with experian which show that reports are still not consistent and showing incorrect information. 

to show XXXX XXXX XXXX  XXXX  -Ad Astra XXXX Date of Last Activity 2 Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX -XXXX  XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX High Credit Balance incorrect Reporting Credit Balance on Report XXXX High Reporting Balance XXXX High Balance should be equal to or more than Balance. This is a violation of FCRA. 











I mailed letters on Dates XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX
Product: Bank account or service

SunTrust responded to Complaint XXXX and a representative committed personally to stop opening new bank cards without my consent. However, they 've once again started sending repeated cards that were not requested by me. This action is unethical and irresponsible. I would like to request in the strongest possible terms that SunTrust immediately cease opening new accounts or sending unsolicited new bank cards to my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On [ XXXX & XXXX ] I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. Numbers 6 & 7 listed below appear to be duplicate accounts.

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested. 
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 XXXXXXXX 9. U S DEPT OF EDXXXX : XXXX
Product: Checking or savings account

After the 3rd party went out and purchased a new phone and XXXX account just for the sake of what Chase requested. Then after month although the check had cleared through the escrow company and the phone was still not verifying a supervisor told me if I got power of attorney they could release the funds. After I spent all the time and cost and had to travel 3 hours away I got the durable power of attorney done. This was on a Friday before holiday weekend. The following Tuesday I go into local branch with Durable Power of Attorney and all my proper ID only to be told because the power of attorney was dated after the deposit they would not clear the check. They went back to telling I have to wait around 90 more days for the data to update in the data bank they use to verify the new phone number the third party has. Also they officially closed my business account. This means once the data is verified they will send me a cashiers check because I no longer have an account. In the meantime Chase is using my funds of {$150000.00} intest free as long as they wish costing me all sorts of money and still not releasing my funds!
Product: Debt collection

Due to a family death and the XXXX pandemic, I have been affected financially. I fell behind on payments for all three of my accounts. 
In XXXX, I contacted Amex via telephone and I also chatted online with Amex on several occasion, the last being a live chat requesting information regarding your Financial Relief Program. Unfortunately, according to your representative, I did not qualify for your program. I was never over 90 days late on either of my accounts. Two of my accounts have now been canceled. I went online in XXXX, XXXX, XXXX, and XX/XX/2020 to pay as much as I could. All but one account allowed me to make payments. My American Express Business did not allow to make a payment. I called American Express in XXXX and was told this account no longer belonged to American Express. My Amex Business account was sent/sold off to a collection agency. I tried on several occasion to make payments online with no avail due to the portal veered me to a different Amex program. I have been sued by American Express and I am currently on a payment plan with a law firm. However, American Express still allows me to sign in to my accounts online and make payments. 
For three months, I was not able to call or chat with anyone at American Express. When I was finally able, I tried to get back on track. However, not one American Express representative showed compassion or was willing to help me. The last word I received from one of your representatives on XX/XX/2020, was your green card is 72 days past due and this card will be cancelled as well. 
This has affected my credit score, not allowing me to qualify for any assistance. 
I have disputed this matter with American Express. This has violated the Texas Consumer Law, the Texas Deceptive Trade Practices Laws, The Fair Debt Collection Practice Act, and especially your American Express Mission ethics and slogan.
Product: Money transfer, virtual currency, or money service

I have an outstanding balance of {$200.00} USD on coinbase and they ask for my debit card information so that i can pay. I give them my debit card information and my account was locked and payment pending ever since  XXXX   XXXX   2017 . I email them several times and they told me that i need to deposit enough   XXXX   currency to cover my outstanding balance and when i told them that i have enough   XXXX   currency in my account to cover it. They told me that they have issue charging me that amount. It has been more than a month since this issue and it has not been resolve. I am not sure why it is so hard to charge me for the outstanding balance since i have purchase from coinbase multiple times. Now i am unable to withdraw the funds i have in my account and will take legal action if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the 3 credit reporting agency 's asking them to show me how they verified a debt for disputed debts they always responded " verified by lender '', when the creditors themselves dont respond to debt verification the accounts I asked where is the verified debt information they received so I may validate the claims. None of the credit agents have responded. It has been over thirty days
Product: Debt collection

Hi yes this company called me a few months a go repeatedly and harrassed me about a debt that's has been discharged off my credit a year ago due to identity theft and it was removed. This company Enhanced Recovery has now since the call and I informed them of this matter and the guy I talked to I can't remember his name insisted that this was my account and if I didnt take care of it they was going to send it the credit Bureau and I told them if they do i will report them and it was illegal to access or send fraudulent stuff to my credit file and impact my credit. They took matters in they own hands and reported this to my credit file which has impacted my score dramatically and this has caused a very drastic change to my score and my lively hood in which I stated and told them this was a fraudulent account that has been filed as identity theft and removed a year ago. The agent was very rude and disrespectful and said oh it's going on your credit report. This is very frustrating and how can these illegal tactics by these so call recovery companies be used to ruin people 's lives. Then it shows I opened this account up in XXXX XXXX which is a violation especially when this matter has been taken care of a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 6 complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : 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 BANK XXXX XXXX, XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Bank of America has placed a lien on my property for a credit card debt that was not mine. I have called several times to make them aware that the lien was not mine or my spouse and was told I could not speak to the person handling the issue. Ive written several letters and have not received a response I was made aware of the lien when I attempted to refinance my home. I was unable to refinance and lower my interest rate. This caused great financial hardship. I am in the process of selling the property and unable to do so due to the false lien.
Product: Debt collection

I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing XXXX  and XXXX damage damage.
Product: Vehicle loan or lease

I XXXX XXXX, Have a wrongful repossession with my car with Capital One. It was conviscated on XX/XX/XXXX. I purchased the 60 month loan on XX/XX/XXXX while i was employed at XXXX XXXX XXXX XXXXXXXX  and making a decent salary at that time. However, the following month i was pulled out of work for serious health issues due to stressful enviroment after being employed there since XXXX. I was rewarded benefits by my employer some time after due to the fact they caused me to be ill and have been living on a fixed income ever since. Capital One is aware and i been struggling to make my payments at some point but i did. I do not receive any other source of income to help with my other living expenses such as my rent, food, phone, utilities, etc. I receive a check every XXXX of the month. And they have documentation of my hardship which im currently still in. They did not inform me of the car being in the process of reposession on paper. They refuse to give me information of my maturity date of loan being paid off. Which i know that i am close to it being paid off. I have financed it ever since and the company is stating i am 6 months behind and i have proof of payments showing that i am not. The company will not talk with me and if so very rude and i am time sesitive on this matter of 14 days or my car will be auctioned off. i do not know where the vehichle is stored or no additional information on it. They want me to pay XXXX to get my car back thats it. This is causing me alot of stress not being able to get answers, get to my XXXX XXXX, doctor appointments due to XXXX   XXXX in XXXX of XXXX, not being able to get my medication. I have my original contract agreement of the car. And some names and information i have of customer service saying one thing and then another. NOBODY will talk to me at this company and its all recorded. i did not agree to refinance my car or agree to anything else by law to cause my financial situation anymore strain. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately ... 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX  XXXXDispute XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ftc violations or fcra inaccurate accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Credit Reporting Agencies on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX about the hard inquiries on my credit report and have been told to contact the companies who requested the report and to have them deleted. I called XXXX and have been told they do not delete hard inquiries even though I did not authorize the inquiry. I called back to Equifax to advise them of the statement from XXXX. I have disputed the inquiry via telephone calls and via the internet and I have been continuously told by Equifax the hard inquiry will not be deleted even though I did not authorize anyone to check my credit file. I am asking for your help because I am given the same answer which is not fair to me as the credit when I did not not ask for the hard inquiry with XXXX. I have continued to request a deletion to no avail. Please advise if you can assist me with this.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : CitiCards CBNA Account Number XXXX
Product: Checking or savings account

XXXX is ( 1 ) removing money from our Citizens Bank account without our knowledge or permission and ( 2 ) not allowing us to remove or decouple our Citizens Bank account or ATM/credit card from their system. This is like a burglar not allowing you to close your own window.
Product: Credit reporting or other personal consumer reports

Experian did stall tactics to not remove the following items from my consumer credit profile resulting in damages. they knowingly and willfully neglected my investigation to remove the following in accurate items. XXXX XXXX acct # XXXX {$27000.00} is in litigation and has been discharged per IRS. Experian must remove now. Experian also must remove grain account charge off from consumer credit profile. The CFPB alleges that Experian has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that Experian is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. 
Improperly reinserting inaccurate information on consumer reports : Experian has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, Experian improperly reinserts inaccurate information into consumer reports because it fails to match newly reported information with records of previously deleted information. Consumers who have disputed the accuracy of an account and thought that their consumer report had been corrected, instead see the same inaccurate information reappear on their consumer report without explanation under the name of a new furnisher. 
In addition to alleging violations of the FCRAs requirements, the CFPB alleges that Experians faulty dispute intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnishers responses to disputed information, and failure to prevent improper tradeline reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practices.
Product: Checking or savings account

I am having a bunch of problems with " XXXX, '' my family and " XXXX. '' During my career in the XXXX, I had a hard time. I lost everything after I decided to not to play crazy by running around from base to base about not having a family care plan. After getting out of the XXXX, I lost custody of my children after a lot of false allegations and jealousy from people in the know. Anyway, I have tried to move on to every aspect of my life but, I just can not seem to move on because people seem to want to hold a grudge against me in every way. I only filed two complaints while on XXXX XXXX, One XXXX and One Whistleblower. Just recently in XX/XX/XXXX and XX/XX/XXXX, I have decided to fight for myself. I have never played the victim when in all actuality. I am quite the victim. I have asked for help and to have my request go unanswered. Well, I just want you to know that I have gone to your bank on several occasion to be denied access to my account with a legal driver 's license whether it be a paper or hard-copy from the State of Georiga. One lady who I assumed to be XXXX refused to issue my money on two occasions. I went to banks in XXXX to have them tell me to go to the XXXX side of town or a XXXX Attendant. I have had many many fraud alerts on my debit card issued on my use of it. When there is actual fraud, there is not an alert. The people from the XXXX branch as been entertaining reports about my spending from people who I do not know. And, they continue to call me on the phone about investment opportunity when it is clear that people have been deliberately stealing from me and there are fraudulent issues with my account. I have tried to get online access to my account but, they attendants have refused to send the link to my email address. I do not want to switch banks because I would certainly have the same problem. AND, I WANT SUNTRUST TO KNOW THAT I CAN SPEND MY MONEY ANYWAY THAT I WOULD LIKE. I have been in a bank in XXXX when one teller moved over to another teller to tell her not to issue money to me. Also, I have been in the bank when someone who was standing in line with me tells the teller not to issue money to me. I do not know who is following me. But, I would like Suntrust to report these individuals. These individuals seem to have a relationship with XXXX, DFCS and the XXXX. My concern is that I get this looked at and to have the harassment from these individuals to stop. I only signed a form at the bank at the Suntrust at XXXX XXXX. Also, the people at the Suntrust Banks are not my friends. I do not appreciate them looking me up on XXXX. The people that I have mentioned are XXXX bent on causing me a lifetime of XXXX. I want it to stop. I want just compensations for the unauthorized access to my account, the fraudulent alert, invasion of privacy, harassment, intimidation and false allegations. They seem to want to try to close out cases so that they can continue their illegal activities. I do not believe them because they are really upset that I have gone to get " WHITE '' Attorneys. Please help me. Obama is not the President anymore. Also, tell them to stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX Account Number XXXX, and the XXXX XXXX  Account XXXX have 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 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX