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

I noticed a hard inquiry on my XXXX credit report and immediately called Paypal to get information as I never authorized this company permission to pull my credit. They told me they would remove the inquiry since it didnt come from me, but it never was removed from my credit report. 

After the company didnt take the action that they ensured they would, I called XXXX XXXX to report this incident and they advised me to file a complaint on FTCXXXX  and send them the complaint then they will remove the hard inquiry from my credit report themselves. 

I went to FTCXXXX to file a complaint but they directed me to consumerfinanceXXXX where I am now filing the complaint.
Product: Credit reporting or other personal consumer reports

Inaccurate Reporting : A judgment was included in my XXXX XXXX report, which was used by a mortgage company to delay my home closing. 
This judgment is inaccurate and does not align with the court records it is purportedly based on. 
2. Discrepancies Between Reports : Initially, multiple XXXX representatives confirmed that this judgment was only on my XXXX  report and not on my FCRA-compliant file. However, when I spoke to a manager XXXX XXXX, ID XXXX ), he stated that the judgment was on both the XXXX  and FCRA reports-contradicting the earlier information provided by other agents.

3. Failure to Verify Information : XXXX admitted that XXXX does not verify the accuracy of the information they report unless a consumer disputes it. This means they did not confirm the validity of the judgment before it was added to my file, which has caused me significant harm.

4. Misalignment with Source Records : The judgment in question does not align with publicly available court records from the civil court that supposedly provided the information. The court records clearly show that the judgment was for possession and not for eviction, yet XXXX inaccurately reported it as an eviction-related judgment.

5. Impact on Me : Due to this inaccurate reporting, my mortgage application process has been delayed, and I can not close on my new home as planned.

This has caused me financial and emotional distress.

1. Immediate Removal of Inaccurate Information : XXXX must remove the judgment from all reports ( both XXXX  and FCRA, if applicable ) as they failed to verify the information before reporting it.

2. Explanation of Verification Procedures : XXXX must provide a detailed explanation of how they gather, verify, and ensure the accuracy of data before adding it to consumer reports. 
XXXX. Compliance Review : A review of XXXX ' compliance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws, as their admission that they do not verify information before reporting raises serious concerns. 

I have contacted the civil court that supposedly provided the information, and they confirmed that there was no writ of eviction and that the judgment was related to possession, not eviction. 
XXXX has been inconsistent in their communication, with representatives providing conflicting information about where this judgment is listed ( XXXX vs. FCRA report ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX  XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and the information on my credit reports are inaccurate. Hence why I would like to have the following accounts removed from my credit profile please. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX )
Product: Credit reporting

Equifax responded to complaint # Case number : XXXX saying they did n't have a dispute on file for the XXXX which is false, please see attached response from Equifax where they deleted the information from my credit report. This information was later reinserted in violation of the FCRA, even though its fraud and was removed as fraud.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX  notified me via my membership of a NEW collection acct called SG and Associates - Amt XXXX There Address XXXX XXXX XXXX XXXX XXXX CA XXXX They List the original creditor is XXXX XXXX and then XXXX XXXX XXXX in XXXX TX They list this debt to be XXXX ** This is MAIL AND WIRE FRAUD * FRAUD BY DECEPTION - XXXX  and XXXX XXXX Refuse to enter this fraud debt on my reports, XXXX  is the only bureau to report=- Twice I have sent XXXX  an FTC AFFIDAVIT of ID THEFT. 

I ask The CFPB step in and delete this from my Credit Bureau Immediately - I am XXXX, XXXX and have been since XXXX- I phoned the manager at XXXX XXXX XXXX and they have no record of a XXXX XXXX XXXX . 

The Stute of Limitations on said debt no matter who it was is expired in Texas This blatant Fraud has cost me thousands of dollars and I will seek legal relief immediately
Product: Checking or savings account

On XX/XX/XXXX I noticed my accounts had been compromised by a thief in another state and {$29000.00} had been stolen from my account, I disputed this case 3 times with accurate evidence and the bank constantly denies the dispute being that their are over XXXX transactions, the bank would finish the dispute before 10 business days without any answers to why theyve made their decision.
Product: Prepaid card

On Saturday XX/XX/year> I was trying to use my XXXX  card from Amex, for the amount of XXXX with XXXX XXXX, I was told that I was restricted from using the card with XXXX XXXX for 30 days because I have made excessive amount of purchases with them. This is the second time this has happened and seems to be a normal practice with Amex Serve Account. 
A representative at Amex told me that it was XXXX XXXX that is restricting me from making a purchase which I find absurd. When I changed to a different card to make the purchase I was able to complete my purchase without any issues, which confirmed that it was Amex that restricted my card on how many purchases I am able to make with one company if they find it to be excessive. I tried to explain to the rep that what I was purchasing was for a game I am playing and I shouldn't be told how I can spend my money, how often with the same company. Nevertheless, I have been restricted for making any further purchases with XXXX XXXX which includes XXXXXXXX XXXX and XXXX XXXX  for 30 days.
Product: Debt collection

I received a bill in XX/XX/2022 stating that I owed XXXX XXXX dollars for equipment I had loaned to me from XXXX. So I called and asked if I return it. I talked to a XXXX, ( she said she was my support person ) she told me she would send me a shipping label, which she did. I packed it up and mailed it back. Well needless to say I received another bill about a month later stating I still owed the XXXX dollars. I don't understand why they get the modem back and the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see previous CFPB Complaint # : XXXX and review the additional documentation that further supports my claim that my credit being run by Citizens One was unauthorized. Ive attached a copy of the Pre-Approval letter from my credit union who currently finances my vehicle. There was no reason for Citizens One to run my credit due to having already secured financing through my own credit union.

I am requesting that Citizen One remove the hard credit inquiry from my XXXX  credit report. 

I will pursue legal action, if necessary, to request the inquiry be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX SELF-REPORTED XXXX Balance : {$230.00} ; XXXX SELF-REPORTED XXXX Balance : {$64.00} ; XXXX SELF-REPORTED XXXX Balance : {$22.00} ; XXXX FIN XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX  XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Consumer Loan

Collector continues to call me at my workplace despite telling them XXXX times that I can not be contacted there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested to have accounts that were previously in dispute to have the dispute language removed so that I can close on a loan. I've requested that the dispute be removed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/2019 and the company REFUSES to remove the dispute language. I'm requesting that they be contacted about their willful noncompliance to remove my account out of dispute.
Product: Credit card or prepaid card

I asked Bank of America to dispute a charge on my credit card. The company I purchased from had obscure return/refund policies that were practically hidden on their website and after I returned the merchandise for a refund, they would not honor it. As of now, they've literally taken down ANY refunds, except for a store credit. 

Bank of America began the dispute XX/XX/2019 and credited my card with the purchase amount and began their investigation. The only research/contacting they did, was with the company who charged me. They never contacted me once to receive any documented evidence, emails, phone calls, etc where the company had told me they would refund my credit card minus a 25 % restocking fee. 

On XX/XX/XXXX, I received a letter that they were unable to pursue my dispute according to the merchant 's refund policy. I called Bank of America 's contact number on the letter and talked with XXXX who encouraged me to go back to the merchant to hopefully recoup the charges. I went back to the merchant who agreed to pay back my card minus the 25 % restocking fees. Now they continue to give me the run around and have no intentions of crediting my card. Bank of America never told me I had the right to reopen the investigation if I still felt I had rights/reason to continue the dispute. In fact after calling Bank of America on XX/XX/XXXX to see what I could do, they then told me I would have had to request reopening the dispute no later than XX/XX/XXXX. No one in the dispute department could explain why their employee on XX/XX/XXXX did not give me that vital information. I have been a Bank of America customer over 30 years and have only filed one dispute in that 30 years other than this one. I feel let down as a consumer and am out over {$800.00} as well as the merchandise which I returned.
Product: Debt collection

I submitted a fraudulent claim to Bank of America for cash withdrawals from my checking account on XX/XX/2019. I was credited for the amount of {$6500.00} until the investigation concluded. After 60 days of investigating, the bank came to the conclusion that the transactions werent fraudulent and reversed the credit, leaving my bank account in the negative. I requested for my claim to be reopened and looked over again as I knew who committed this fraud. They agreed and started another investigation, but still stuck with their decision. They claimed that the only way theyd reopen my claim is if I filed a police report or filed a civil suit. I proceeded to sue the person that committed the fraudulent activity and won the case on XX/XX/2019. After reaching out to the bank and sending them my court documents, they refused to accept it and refused to reopen my case, leaving my bank account in their collections department with a balance of {$6300.00}.
Product: Credit card

On XX/XX/year>, I logged into the Barclay app and made a payment of {$500.00} on my credit card on time. The next day I logged into my XXXX Bank app and noticed that Barclay had taken an additional payment of {$500.00} from my bank account. I immediately called Barclay and the representative told me there was nothing they could do about it. 

This was theft, plain and simple! This is fraud. Taking funds out of a persons bank account with out their permission is THEFT, BANK FRAUD! 

On XX/XX/year> I logged into my Barclay account using the Barclay app and I made a payment fo {$360.00} on my due date. On XX/XX/year> I logged into my Barclay account using the Barclay app again and I made a payment of {$5000.00}. 

When I logged into my Barclay account using the Barclay XXXX on XX/XX/year> there was no record of my {$5000.00} payment. I called the Barclay representative and he said in a broken XXXX  and I did not make a payment of {$5000.00} as there is no record of this. I informed him that I have an email from Barclay stating they received it. This company has a history of lieing and committing fraudulant acts. When are you going to do something about it?

What's also bizarre is that as the principle of my Barclay account goes down, the minimum monthly payment increases. In XX/XX/year>, my minimum payment was {$360.00}. In XX/XX/year> it is {$370.00}. How can the minimum payment keep going up when the principle is going down??? 

I reported Barclay to you last month XX/XX/year> when they charged me a late fee on the date of the due date of XX/XX/year> when I had already made a payment of {$400.00} on XX/XX/year>. Your organization contacted Barclay and finally after some time they refunded the late fee of {$29.00}. However now, their statement states that if I am late i will be charged {$40.00} for a late fee. I have NEVER been late paying this company. I requested that they lower my interest rate from the exorbitant 29.99 % and XXXX in the Barclay President 's office wrote me a letter stating that they refuse to lower my interest rate. This company gets away this fraudulent activities and your organization does nothing!! I thought you were here to protect consumers? You need to have the FBI and FTC and all other government agencies investigate their activities. Since all of this has happened to me, how many millions of people are they doing the same unscrupulous and unethical and fraudulant acts to as well? Please stop this corporate greed and unethical fraudulant business practices of Barclay.
Product: Debt collection

I was a victim of identity theft from XXXX-XXXX I found auto loans and credit cards and personal loans under my name I submitted a dispute along with a police report and was able to prove fraud.the collection was sold to another company cks prime investment Ive explained numerous times my situation and they have done nothing to resolve this
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multi accounts reporting to all three credit reporting agencies that don't belong to me and it is effecting my credit score and my ability to refinance my home. These accounts are below. See below XXXX Account number # XXXX Balance {$5800.00} XXXX Account Number # XXXX Balance {$1300.00} XXXX XXXX XXXX. 
Account Number # XXXX Balance {$420.00} XXXX XXXX Account # XXXX Balance {$380.00} XXXX  XXXX Account Number # XXXX Balance {$350.00}
Product: Credit reporting or other personal consumer reports

I received a copy of my Chex Systems and XXXX XXXX XXXX consumer report and I've noticed false and misleading information from Bank that I've committed allege fraud. On behalf of disputing the inaccurate information with Chex System and XXXX XXXX XXXX they have concluded that the information within my file has been investigated and was indeed verified as accurate by XXXX  XXXX XXXX. Both corporations have also confirmed that they are unable to provide me with copies of documentation of proof on how the information is accurate and verified in my file for checking account fraud that is being furnished to them by XXXX  XXXX XXXX. On XX/XX/XXXX  I've sent certified mail with return receipt, Tracking number is XXXX. I am yet to hear a respond and the investigation and any proof supporting their claim of the allege fraud. This is causing me great stress and defamation of my character. I have attached two letters supporting my case for this specific situation to get resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

SoFi froze my account I have no access to my money and they wont explain anything or give me a timeframe as to when I can access my funds again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months 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 include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my credit report and need them removed ASAP! I will attach my report with the FTC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I currently have an account with Bank of America, on XX/XX/2019 through their mobile banking app someone with the name of XXXX XXXX was able to hack this app and send 4 unauthorized transactions through XXXX. Within these 4 unauthorized transactions {$650.00} was stolen out of my account and Bank of America has told me it is my fault as to why my account was able to be hacked. I filed a claim and it was declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely frustrated at this point! I have tried to be as professional as possible and its seems that the nice people ALWAYS get over looked and the end of the XXXX stick! These false reporting accounts on my credit report has been an extreme distress to me and my family and has been hindering me from taking care of my family and getting approved for housing and sooo much more you cant even imagine!!

These accounts need to be removed from my account IMMEDIATELY!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts on my credit report that resulted from identity theft. These accounts do not belong to me and I am the one disputing this fraudulent information. I have already informed the companies involved about the fraudulent activity. Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

I request that you conduct a investigation into these accounts and promptly remove them from my credit report. Please inform me if you require any additional information or documentation from me to facilitate this process.