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

On XX/XX/2022 I call Experian to have them remove duplicate and incorrect personal information on my report. I told them to remove the one incorrect address on my file and confirmed the remaining address was correct. I also told them to remove incorrect and variations of my name on my report. On XX/XX/2022 I got an email alert that the actions were updated and when I opened my file on experian.com site, the items were correctly showing on my report. 
HOWEVER, no one including myself, can access my report or score on any website including but not limited to ... experian.com, annual credit report, XXXX  etc. 
I have been shopping personal loan products and mortgage rates since late XX/XX/2022 after years of improving my credit and increasing my score. All credit inquiries pulled from Experian have been denied because Experian in XXXX erased my address from my report and have a freeze on my file that I am not able to remove on there website or when I have called multiple times to have the freeze removed. 
Every time I call to speak with a specialist, I am on hold over and 1.5 hrs, transferred multiple times, hung up on & told the problem is escalated and will be corrected in 24hrs. 
Experian erased my address. Experian has locked my file and will not allow me to remove the freeze after weeks of me doing everything they told me to do. Experian has told me it is an internal issue & it will be fixed. Experian has kept me from shopping credit products and rates within 30 days without adversely affecting my credit score since they have not corrected an issue they caused to me in over 4 weeks. 
I am under contract to buy a home and the lender can not nor can I, pull a tri merge report because of Experians negligence. I will be financially damaged and loose my Earnest money if I do not close based on the egregious failing of this company. Experian has had many notices, requests, and phone calls from me and over 4 weeks to repair their failings and they have not!
Product: Credit reporting or other personal consumer reports

I have recently disputed inaccurate information thats reporting on my consumer file and requested specific information pertaining to these inaccurate account from the credit reporting agencies, along with the original creditor. I have not received the information i requested, but received a stall letter saying that the account was verified as accurate without the requested documentation. I have a RIGHT under the FCRA to have this information presented to me per my request in a timely manner and I was not provided that information within 30 days. Per the FCRA these accounts must be deleted from my consumer file due to untimely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX  Potentially negative Date opened XX/XX/2019 Balance {$0.00} Status Open.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX already collected the debts XXXX  multiple times an XXXX  XXXX  multiple years still using the same debt fraudulent activity to collect money an reporting deceased illegally an reporting false information an payment to receive more money reported to TransUnion credit report agency were they failed to investigate the debts collected agency due to falsely report information an XXXX XXXX XXXX XXXX XXXX  sold my personal information after they received multiple payments statement said paid reported to TransUnion as unpaid an TransUnion credit agencies refused to delete XXXX founding company an XXXX XXXX XXXX XXXX XXXX from my credit report that hurting my credit score due to illegally activities going on with these companies I requested everything be removed an deleted from my report reporting false information
Product: Credit reporting 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. 

Account Name : XXXX 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. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX was entered into credit transactions that I did not authorize or consent to at all.I am a victim of identity theft and I believe my information is being used by bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my baby daughter. I ask that you please remove all these false misleading inquiries from my credit report so I can began to repair my credit and eventually get my daughter a house and brand new car off the lot like she deserves. please resolve this matter quickly. I have included a list of all inquiries and accounts that I did not authorize below along with the dates. 
My information was obtained without permissible purpose. 
15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 
15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1.XXXX XXXX- XX/XX/XXXX 2. XXXX- XX/XX/XXXX 3. XXXX- XX/XX/XXXX 4. XXXX XXXX XXXX- XX/XX/XXXX 5. XXXX- XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX- XX/XX/XXXX 8. XXXX XXXX- XX/XX/XXXX 9. XXXX- XX/XX/XXXX 10. XXXX- XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX- XX/XX/XXXX 13.XXXX- XX/XX/XXXX 14. XXXX XXXX XXXX- XX/XX/XXXX 15.XXXX- XX/XX/XXXX 16. XXXX XXXX XXXX- XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX- XX/XX/XXXX 19. XXXX XXXX- XX/XX/XXXX 20. XXXX XX/XX/XXXX 21. XXXX XX/XX/XXXX 22. XXXX XXXX XX/XX/XXXX 23. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 24. XXXX XXXX XXXX XX/XX/XXXX 25.XXXX XXXX XXXX XXXX Account XXXX : XXXX 26. XXXX 27.XXXX 28 XXXX XXXX 29.XXXX XXXX XXXX 30. XXXX XXXX 31. XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a Wells Fargo secured card that I paid off on XX/XX/2018. I did this inside of a local branch where the bank representative stated that once my account closes the bank will not only remove it from my list of accounts that I have with them but I will be refunded {$1800.00} and the account will also be removed from all three of my credit reports. I recently checked my credit reports and I see that the account is still listed. I decided to call Wells Fargo card services and a customer service rep. states that I must have my secured card account number in order for Wells Fargo to remove it from my credit reports. I know longer have that and nor can I find that on the credit reports that I pulled from XXXX XXXX. I don't understand why they can not take a copy of my credit reports and my social security number to eradicate the account from all three of my credit report. 

Last four digits of my Social is # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I hired a credit repair company ( XXXX XXXX XXXX ) to request a good will removal of late payments for my Total Visa Credit Account ending in XXXX. Approximately 2 weeks later I received a notification from XXXX  that a settlement on my credit account was process and reported as a result. I immediately contacted XXXX to make sure that they in fact did not request a settlement of the account but a good faith late payment removal that occurred over 48 months prior. The representative assured me that they do not engage in debt settlements and that there must be an error with the creditor. I then contacted Total Visa Credit to explain to them that I did NOT authorize a settlement and requested that the account be reinstated so that I could pay any balance that was remaining on the account. My request was denied with no documentation that I requested as they stated that the information had been purged from their system. This means that they have not complied with the record retention requirements for consumer credit disputes. I would like the account to either be reinstated allowing me to pay the balance in full and or the negative reporting removed from my consumer report with all 3 credit bureas. To further note, the account has been current and not delinquent for more than 36 months and therefore there was no need to request a settlement. As a result I have been unfairly, and deceptively been harmed by this consumers practices and or failure to provide and or retain records as required by the consumer regulation.
Product: Credit card or prepaid card

Due to a potential bug on Bank of Americas website, {$1100.00} were debited from my bank account on XX/XX/XXXX to make a payment towards my credit card account, which now has a negative balance of - {$1000.00}. 

Bank of America customer care has been giving me a hard time to get my own money back and has caused a lot of inconvenience to me. On XX/XX/XXXX, after talking with customer care for 29 minutes & 4 seconds, I was told that Id have to wait for XXXX business days before Bank of America would initiate a refund for {$1100.00}, which were automatically debited from my connected bank account. Obviously itd take a few more days for that amount to actually reach my bank account! 

On XX/XX/XXXX, I had made a purchase of {$1100.00} using my Bank of America credit card, which was in pending state, and didnt post, as the purchase wasnt finalized. The purchase details disappeared from the Bank of America website on XX/XX/XXXX, and instead, Bank of America debited my linked bank account for {$1100.00}, probably due to a bug in its online system! I requested several Bank of America customer care executives to report this bug, as it can possibly be reproduced by emulating such a ( unfinalized ) purchase. 
As of today ( XX/XX/XXXX ), Bank of America has temporarily disabled transactions on my credit card, and I wasnt even notified! So, first they withdrew funds from my bank account without my permission, and then they froze my credit card. After talking to Bank of America customer carXXXX on XX/XX/XXXX for XXXX minutes & 56 seconds, I was told that I cant make purchases using my credit card due to a huge negative balance, and they cant initiate a refund that amount to me before XX/XX/XXXX. 

Since Ive been asked to submit copies of my bank account statements to United States Citizenship & Immigration Services ( a federal government agency ) by XX/XX/XXXX, this mistake by Bank of America,  and its subsequent reluctance to acknowledge its mistake, has not only wasted a lot of my time, but has also caused other sorts of trouble for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The charges of {$1600.00} on account XXXX XXXX XXXX XXXX are fraudulent & were not authorized by me. All the information on this account was changed including number & address that I have no association with.
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. 

XXXX XXXX TransUnion TransUnion Account # : XXXX
Product: Debt collection

The XXXX XXXX XXXX filed {$750.00} collection before XXXX/XXXX/XXXX. 
I never open a credit with this bank. The XXXX XXXX XXXX sold the case to XXXX XXXX XXXX Right now XXXX. 
I lost my Social security card and Green card too. I report it immigration service and I got replace green card.Also, I I report Social security department and I got replacement. 
I do n't know how fix the problem for that. 
Please help me. 
Many thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous 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 accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$7600.00} XXXX  XXXX Balance : {$370.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2022 I called Bank of America ( BoA ) to close my online checking account ending in XXXX. I was told that I could not close the account unless it had a {$0.00} balance. I was further told that to bring my balance ( {$2000.00} ) to zero I needed to transfer the balance to another account. When I inquired about charges for doing so I was told that I was allowed 3 free transfers per month. When I tried to transfer the balance out of the Bank of America account I was presented with several options none of which being free! I then used the free transfer tool of the to bank ( XXXX ) to request the transfer. 
On XX/XX/2022 having checked that the balance had transferred, I called again BoA to close the account. I was told that I could not close the account as it now had a negative balance of - {$12.00} resulting from a low balance fee of {$12.00}! I said that I did not feel I should pay this fee as I had followed the instructions given to me on XX/XX/2022. I was told that the employee to whom I spoke would file a claim to have the {$12.00} fee waived and that I should hear about the claim within 3-4 business days. 
Having not had any communication from BoA I called again today XX/XX/2022. I was told that the claim had been denied. I asked for some proof that such a claim had been made and denied, I was told it was not possible and was given the option to talk to a manager which I chose. After hearing my explanations he told me that there was no claim process to waive a fee only a request could be made! When I asked him how I could have brought my balance to {$0.00} on XX/XX/XXXX he could not give me an answer. 
I feel this is a typical " catch 22 '' situation and that it would more honest if BoA called the fee an account closing fee. 
I do not intend to pay the fraudulent fee but would like to have the account closed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was paid off in XXXX. The information being reported by XXXX XXXX is incorrect. I have resolved this payment yet the negative reporting is affecting my credit score. 

XXXX XXXX repeatedly sends me offers to accept their credit card.
Product: Credit card

My XX/XX/XXXX statement closed and Discover offers 5 % cashback for spend on XXXX. I spent {$100.00} on XXXX but they only credited me {$4.00} shorting me {$0.00}. I tried to rectify with customer service twice but each time they would not adjust it. Its pretty simple math that 5 % of {$100.00} is {$5.00}.
Product: Money transfer, virtual currency, or money service

Purchased XXXX XXXX XXXX XXXX from XXXX XX/XX/2018 for charges to XXXX Credit Card : {$60.00} - XX/XX/2018 ; {$39.00} - XX/XX/2018 ; {$39.00} - XX/XX/2018 ; {$39.00} - XX/XX/2018 ; {$39.00} - XX/XX/2018. 
These amounts were initially charged to my XXXX Credit on XX/XX/2018, respectively, and on XX/XX/2018, for remaining four equal charges. 
These amounts were refunded directly by XXXX XXXX not the creidt card ) to my XXXX  XXXX   account on XX/XX/2018 for the first charge, and XX/XX/2018 for remaining four equal charges. 

XXXXXXXX XXXX has received these refunds, however the charges were not deducted from my XXXX XXXX  account, not crediting them back to the merchant, XXXX, as I requested numerous times. As well, I requested an itemized statement be sent to me via XXXX mail of what was done with the refunds received by XXXX XXXX, via phone requests, as well as a faxed request on XX/XX/2018, as I was directed by the XXXX, XXXX XXXX, to do ( fax # XXXX ) in order to receive my request via XXXX mail. 
I have Not received the requested itemized statement via XXXX mail. As well, XXXX XXXX has not removed these charges from my XXXX XXXX account and has in fact moved them to be paid by XX/XX/2018 as a promotional purchase. 

I am paying my XXXX Credit Card for the purchase of this item and XXXXl XXXX  is still charging me for the item as well. XXXXXXXX XXXX  has not applied the refund back to the merchant, XXXX, from which the purchase was made as requested.
Product: Student loan

My identity was stolen I called and talk to someone they told me I needed a police report I recently went in to get a police report they told me I needed the case numbers which I dont know cause the police report was in 2022. So I cant get a report I really dont have no acknowledgment of this account. Im trying to get my cdls and they wont move forward with me because they using the platform that they applied for the loan to get me a loan to get my cdls. And this is really holding me back I need this off asap.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, my account was closed and {$2300.00} was taken from me from my Bank Of America account with Arizona XXXX  XXXX XXXX XXXX on accusations of fraud. I proved my identity, sent in pictures of my social security card and drivers license, and was verified. I was issued a new card, and was told the money would be reissued to me. I never received the money back, and have been working with both companies for months and I havent seen a XXXX of that money that was taken away.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  is not reporting accurate information, Transactions or experience are excluded from the information on consumer reports accordsing to Congress. Please remove this late payment to prevent future litigation. XXXX XXXX XXXX  accounts needs to be deleted immediately this account do not belong to me. According to the FCRA all information must be 100 % accurate. SantanderXXXX XXXX needs to be deleted this account is not reporting accurately.
Product: Debt collection

My identity was compromised I never open an credit card or secure card To Whom It May Concern, I am writing to formally dispute the following item on my credit report under the Fair Credit Reporting Act ( FCRA ) and other applicable XXXX consumer protection laws. 
This account is the result of identity theft and I've submitted an FTC Identity Theft Report. 
This item is inaccurate and must be investigated under your obligation to report only verified and correct information. According to FCRA 605B and 15 U.S.C. 1681c-2, you are required to conduct a reasonable investigation and remove any unverifiable or incorrect data. 
Per law, please block the reporting of this account and confirm deletion. 
I request that this item be removed immediately from my credit report across all reporting agencies. Please provide written confirmation once the investigation is completed or the account is deleted.
Product: Mortgage

Please see complaint [ Case number : XXXX ] as this is in addition to the previous case. Ditech has now confirmed that we did indeed payoff our loan. They have yet to return escrow funds and mortgage release. 
They have placed a negative incident on my credit report with XXXX, stating that my XX/XX/XXXX payment was 31-60 days delinquent. Since they received full payment for mortgage payoff on XXXX XXXX ( check cleared ) they had no right to give negative incident.