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

Per this complaint that I orginally sent on XX/XX/XXXX then again on XX/XX/XXXX requesting that inquires be removed from my credit report that arent mine then i get a notice dispaute completed nothing corrected so i file another com0lant stating that then I get a respond that it couold take 60 days so today XX/XX/XXXX I went on experian web site to see what they have done and they havent reoved any inquirinies but the updated to tings that I stated werent mine and it states they were told they were where is the proof i need a signed contract from world fiance and I also need something from Traget a print out of all payments and fees they charged me. I requested this 3 years agao and still them same thing. At this point maybe I need to contact the XXXX and file a compliant on all of yall because nothng is getting done along wth breaking the law. 
I have attached the inquiries that are still on my report along with that part of the report. also Experian wouldnt let me dispute anything on webite inquires I tried also they have my ame wrong, addresses, social and phone numbers. 
Here are the following still on my report once again 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: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX years old and facing threats in employment, housing and financials in which depending upon US government support is volatile. Forced against a rock and a hard place I attempted to protect my character by freezing my credit scores before all my bank accounts are closed and I can no longer prove what sort of person I was in handling money.

My first stop to freeze my credit score was with XXXX. When I called their phone number I went through the process of giving my Date of Birth, My Social Security Number, my address. The automated machine then told me to create a pin. Unable to make a 6 digit pin right away my phone call was transferred to a XXXX customer service rep.. 
The person asked me for my social security number again. I gave it to them. I then asked where are you located. I was told " outside the United States. '' I then hung up on that person. I got the phone number off of a website advertising XXXX. I then called XXXX who gave me a different phone number providing me with the same result, an operator in some country over seas. 
In my quest to try and save my character from defamatory allegations that may be levied against it in the future, I submitted my personal information to a Credit score company submitting my identity to foreign actors that don't have to obey US rules and regulations to safeguard my identity. In fact since the credit bureau transfers US citizens personal information overseas instantly, I want to submit a complaint accusing them of compromising my Identity. If my identity is stolen, I want the credit bureau 's to be held more responsible for what ever losses someone tries to pin on me when the bureau is to blame.

I will not try and freeze my credit score now even though I need it to protect myself from democrats and republicans who dedicated their lives to serve foreign country XXXX not US citizens. Since I'm not a XXXX, I have real problems with Government protecting its citizens just like the other 300 million US citizens at the mercy of foreign country serving politicians, be they Federal, state or local officials.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX there was an unauthorized credit inquiry made on my credit report by Americredit. this seems to be an auto financing company.
Product: Credit card or prepaid card

On or about XXXX XXXX, 2022, I was told by a Discover Card customer service agent that there was suspected fraudulent activity on my account. This agent had mentioned at least two account transfers involving my card. I insisted that I knew nothing about any such transactions and after much more conversation about this, wed agreed that the card seems to have been breached and we shut it down. After weeks had passed without ever receiving the replacement card and new account number, Id called Discover to let them know I hadnt gotten it yet, and then also about what all had happened that caused the need for the replacement, only to then be told that they dont see anything unusual on my account, and that they cant send me another card because I was in an interest reduction period for six months when it was closed and so I dont qualify for a replacement card! I then explained to this agent and every other agent after that that I did nothing to lose that account. I explained that Ive had this account for coming up on 20 years soon and Ive never missed a payment- EVER! In fact, Ive never missed a payment on anything, at least XXXX accounts across the board during this time and that by closing my account, youre affecting my credit adversely and unfairly! If the Discover agent was lying to be devilish or malicious, then that should be addressed. If he did it because he wasnt trained properly to distinguish between in house transactions and fraud, then that should be addressed as well. Either way, I did nothing to damage my credit in this way, and I dont want my account closed. What I do want, while were on the matter, is a look at my interest rate. My minimum payments have more than doubled and Id like to look at options to make my payments more manageable until I pay the entire balance off soon.
Product: Mortgage

Chase refinanced our mortgage in XXXX of XXXX. The agent who handled the process is XXXX XXXX. 

When XXXX XXXX submitted the documents to Escrow, the proper box was checked, indicating the property was a transfer between parent and child on the Primary Change of Ownership Report. 

However, XXXX XXXX didn't include the BOE 19 CA CLAIM FOR REASSESSMENT EXCLUSION FOR TRANSFER BETWEEN PARENT AND CHILD. 

The results of this mistake caused our taxes to increase by {$14000.00} a year and our house payment to increase by {$1200.00} a month. 
Our house payment went from {$1500.00} to nearly {$2800.00} a month. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( # XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was advised that the agent handling the transaction, XXXX XXXX, should have included the BOE 19 CA. 

We sought legal advice from an Attorney to find out what document wasn't submitted in Escrow. The attorney researched, finding the missing document, which was the BOE 19 CA and we submitted it to the XXXX XXXX XXXX Assessor ourselves. 
I contacted XXXX XXXX to find out why the BOE 19 CA document wasnt submitted in Escrow and was told this wasn't their responsibility. 

Currently, we are waiting for the Assessors to approve reassessment of our property taxes which could take months to resolve, as I was told by the Assessors office. They are behind from XX/XX/XXXX! 

My wife and I are retired and were confident that we were making the informed decision to choose Chase to help us secure our financial future by locking in an affordable mortgage payment. Hiring an attorney is not our first option, as we dont want to incur additional financial burden. However, we are prepared to resolve this issue by any means to save our home. 

Chase needs to accept responsibility for the mistake their employee made and become actively and expeditiously involved with the XXXX XXXX XXXX Assessor 's Office to help us get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Lack of original creditor documentation Incomplete collection chain Questionable debt transfer Statute of limitations concerns
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased flights from XXXX XXXX to travel in XX/XX/XXXX. XXXX cancelled my flights and I had to book a hotel and another flight for my husband and I with another carrier all on my own, with 0 help from XXXX for any of it. 

However, I was told by XXXX that I would receive a refund for my flight, since it was cancelled and I was told to wait on it. I waited, followed up and waited again and I still have not been refunded. 

I went back to Bank of America online to attempt to dispute the charge but there is now no way to do this. So now, I am attempting to dispute the charge for the tickets here, as my only recourse. I have documents attached showing my purchase on XXXX and how I had to get another flight and how the XXXX flight was cancelled. I would really like to be refunded for this since I could not use my flight and XXXX ( who is already in so much trouble regarding this same issue ), will not help me to make this right. 

Thank you, XXXX XXXX
Product: Checking or savings account

2 Months Ago, I filed a claim to BOA ( Bank of America ) that I did not recognize. The transactions were happening in XXXX California, while I was heading down to Texas ( im including time stamps of me driving down ) of the amount {$4300.00}, was taken out of my account consecutively. Starting on XX/XX/XXXX under the transaction name of BKOFAMERICA ATM # XXXX XXXX WITHDRWL XXXX XXXX XXXX CA '' of the amount starting off with {$300.00} almost everyday was taken out of my bank until XX/XX/XXXX of {$300.00}. Claim # 1 : XXXX Filed onXX/XX/23. They denied me first on XX/XX/2023. They said charges were issued and authorized or gave permission to authorize, when I didnt. The card was sent to my mothers house and I didnt even activate it yet, but someone was withdrawing {$300.00} a day out of my account. They suggested scammers used cybersecurity breaches to get ahold of my account. With it being compromised. 

I just reopened the claim today XX/XX/XXXX, and if they deny again then im going to file a police report suggested by my attorney, and create a letter explaining why Im not happy with the denial. Currently waiting on the re-opening approval. 

An agent under the the consumer information bureau name XXXX XXXX told me the same happened to her for when she was in New York and when the withdraw happened, the bank did not approve her either.
Product: Credit reporting

I am filling this complaint because I have been ignored by the credit bureaus. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months. 

The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. ''
Product: Credit card

Hello I XXXX XXXX received a request for Proof of physical address for each beneficial owner and Proof of physical address for the authorizing officer on XX/XX/year> for my credit card application reference number XXXX. 

I have uploaded the documents using the link provided in the email however I have not gotten a response from the applications department. 


I am the only authorizing officer and beneficial owner for XXXX, XXXX. I have attached proof of my physical address.
Product: Checking or savings account

I went to make a withdrawal from my XXXX XXXX account and was told I needed a second form of id when I gave it to her my pay pal card stop working.. i told the tech if someone ordered a new card in my name with the same number I would never have know and they agreed and after finding out the XXXX was different I was able to get my money and file a dispute and get more money back the next day within XXXX hours of the XXXX and then XXXXXXXX XXXX test deposit came in to all my banks I dont recognize and pay pal refuse to give me a new account number or let me know every single time my email gets changed
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, XXXX 's Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXXt XXXX XXXX  Account XXXX XXXX has violated my rights. 

XXXX5 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. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been contacting equifax for 6 months about inaccurate items on my credit report and the problem is still there. they have collection items on my credit report with no name just accounts that i cant directly dispute because its no name to who the original creditor or collection agency may be. Also other items that doesn't belong to me as my information was stolen in their data breach. this is a violation of the fcra and items must be removed immediately.
Product: Credit reporting or other personal consumer reports

Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS AND INQUIRIES PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Experian Dispute Department, I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft resulting from the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon notification and receipt of supporting documentation. 
Fraudulent Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU ( XXXX XXXX ) - XXXX US DEPARTMENT OF EDU ( XXXX XXXX ) - XXXX US DEPARTMENT OF EDU ( XXXX XXXX ) - XXXX US DEPARTMENT OF EDU ( XXXX XXXX ) - XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXXXXXX XXXX  XXXX XXXX ( XXXX ) - XXXX Unauthorized Credit Inquiries to Be Removed : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> Supporting Documentation Enclosed : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the Equifax data breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect Experian to take immediate action to rectify the harm caused by this breach.

I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect Experian to provide a detailed explanation, including the evidence used to verify its accuracy. 
Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address SSC FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted comenity bank ) Victorias Secret ) to please remove late/ missed payments from my credit bureau reporting due to Covid job loss. I contacted them several times in regards to this, and was unable even with a supervisor get anywhere. 
I am a single with XXXX kids receiving no support going through a divorce I was unable to feed my kids during the government issues with unemployment, somehow my information was incorrect and I had issues with switching to XXXX and received nothing until it was corrected. Can you please remove all my late payments as I was both exposed to XXXX as well as my state had a shelter in place.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction with the multiple unsuccessful attempts to correct the late opening of accounts associated with my profile. Despite repeated efforts on my part to rectify this issue through various channels, I have encountered persistent challenges, and the problem remains unresolved. 
I initiated the process to open accounts with your institution. Regrettably, these actions were not processed in a timely manner, leading to significant inconveniences. Despite my multiple attempts to address the matter through your customer service department, online channels, and in-person visits to the branch, I have not witnessed any tangible progress in rectifying the delays. 

The repercussions of these late account openings have been substantial, affecting my financial stability and causing undue stress. Furthermore, the delays have resulted in missed opportunities and financial setbacks that could have been avoided with prompt and accurate processing. 

I appreciate that errors can occur, but the repeated failures to correct this situation and the lack of communication on the progress of my case have left me frustrated and dissatisfied as a customer. I believe it is my right as a customer to receive timely and accurate service from your institution. 

In light of the above, I request an immediate and thorough review of my case. I expect a comprehensive investigation into the root cause of the delays in opening my accounts, as well as a transparent and communicative process for keeping me informed on the progress of the resolution. 

If the necessary steps are not taken promptly to rectify this situation, I will be compelled to escalate this matter to the relevant regulatory authorities and consider pursuing legal action to protect my rights as a consumer. I am asking for your assistance to correct these late open accounts in my credit file : US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, 2018 Balance {$1500.00} ; US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, 2018 Balance {$1500.00}.
Product: Credit reporting or other personal consumer reports

I disputed the company XXXX XXXX XXXX with Experian, because it was part of an identity theft fraud case. Experian refused to remove it from my credit report despite having a police report showing that this was fraud. XXXX XXXX management purchased this debt from XXXX. XXXX XXXX XXXX not only does not hold the contract but also failed to acknowledge that this debt was part of identity theft.
Product: Credit card

I was an authorized user of American Express business credit card as a business manager. AMEX informed all three credit bureaus as collection account treating it as a personal account on XX/XX/XXXX affecting my credit scores drastically. We have entered in to a contract to buy a house and this reporting is affected my ability to get a housing loan. This business card account was opened XX/XX/XXXX for business purpose and it has never shown up as a personal liability on my credit reports since than. I was taken by surprise to see it apear on my personal credit report suddenly. 
Requests to pay the outstanding amount by installment on XX/XX/XXXX with AMEX failed and representative advised that the account should be closed first and than the supervisor will call with in 24 to 48 hours to discuss the options. No one ever contacted me or left a voice mail. Upon seeing thison credit report I called AMEX and I was advised to contact XXXX. After contacting XXXX I entered in to an agreement of payment and I have paid {$4200.00} as XXXX of the XXXX installments on XX/XX/XXXX under duress as no other option was available and this is causing hardships.The outstanding balance is being paid to AMEX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX .... Balance : {$17000.00}
Product: Credit card or prepaid card

Card Number XXXX XXXX XXXX XXXX XXXX friend XXXX XXXX agreed to collect my mail during two back to backs trips out of the country. He is a friend of the family and agreed to do so. I collected my mail from him on XX/XX/XXXX and was surprised the card was not in my mail. I checked online banking and saw over {$5000.00} on a replacement card from Bank of America I had never received. 

After reviewing the charges, I had a pretty good idea that the culprit was XXXX. As many of the charges were made in person around his house. When I confronted him about this he at first denied it but then I showed him the charges and he admitted that he had been in the financial bind and use my card without my permission. It seems like he also used my phone to make purchases without my permission. 

XXXX didnt have the ability to pay me back and honestly I dont expect him to. I told him I had to file these charges is fraudulent and file police report. He was very upset by this and I havent been able to reach him since and he appears to have left of temporary housing in XXXX, Co. 

I reported all this information to the police and Bank of America. I was issued a provisional credit by Bank of America, but recently was rebelled for these charges as I lost the dispute. I called in to better understand why I lost, and the answer makes very little sense it says my card was used in person for many of these charges or someone that I know or myself used it. It seems ridiculous because Ive already told you someone that I know used it but he did not have my permission. I also asked them to wait to return the provisional credits until in the hopes that I can get a statement from XXXX. I am not satisfied with Bank of Americas reply its very clear what happened here and I think they didnt properly investigate. I have asked to be sent copies of the receipts that clearly will not pair my signature and have not received anything yet other than a letter of denial. This is not acceptable. This fraud and the perpetrator isnt anonymous. I am going into a no phones month long XXXX XXXX  and will not be able to respond until XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXXXXXX XXXX XXXX