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

XXXX submitting a complaint in response to the recent investigation. I do not agree with your findings, and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors or agencies that are reporting this information on my report, and because of this, I am now asking you for more information regarding these particular items in question : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX {$1500.00} 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  XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, Bank of America reported to the credit bureaus ( XXXX, XXXX, and XXXX ) that I had a delinquent credit card account. I thought I had the credit card on auto payments. They never contacted me about being late on my payment and still proceeded to ruin my credit score. I've never been late on any payment in my life.
Product: Credit card or prepaid card

I implore you to promptly update my account as I have consistently made timely payments, and the current situation is causing me a significant amount of XXXX.
Product: Credit reporting or other personal consumer reports

Im writing this to let you know its been inquires that when i checked my report i didn't authorized the theft, also to do so i would greatly appreciate, getting them off so my credit file can be resolved,
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation into the disputed account that you claimed was verified. Believing that you did not properly investigate my dispute, I contacted the data furnisher last month via certified mail. They responded, confirming that I was correct and that your records were indeed inaccurate. Since your investigation was not conducted properly, I request that you update the account information in my file accordingly. 
XXXXXXXX XXXX XXXXXXXX XXXX : {$1100.00}
Product: Credit reporting

They have reinsert ran account that was previously removed and re aged it. This account is old. 7 years old. XXXX
Product: Debt collection

I received an email alert from my XXXX XXXX XXXX, to review my credit information. A company by the name of Credence Resource Management, had, unbeknown to me, entered a disputed XXXX XXXX XXXXy bill into my credit reports, as a NEW ACCOUNT, and has repeatedly sent new open dates, four ( 4 ) times, since XX/XX/XXXX. The open dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, thus far. These entries are listed as major discrepancies on my credit files. I have not conducted any business with this company nor received any correspondence from them. I had no prior knowledge of this collection filing. I mailed them a letter on XX/XX/XXXX, requesting verification of debt from original creditor, date original account was opened and closed, account summary, and copies of any correspondence they allegedly mailed to me regarding this debt. A letter was sent to Credence Resource Management, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX, but was returned as undeliverable. A copy was sent to Credence Resource ManagemenXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX. I have not received any anything from them as of yet. This is a devastating negative impact to my credit rating and has caused me great XXXX and XXXX XXXX
Product: Debt collection

I contacted RA Rodgers, a collections agency in Maryland to send me a professional letterhead with my payment History on it for each authorized payment and not a lump sum, like they been doing. They keep lumping separate payments into a lump sum on paper And my creditor does not understand this and they do it intentionally. They have not given me a professional looking payment letter that references the accounts in question and the lender in question or their company.They also have not reported any payments to the credit bureau even after telling me they do. I never got one thing in the mail or by fax and they argue on the phone about doing their job. They keep denying me information to verify my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XX/XX/2022 XXXX XXXX XXXX account XXXX reported wrongfully actions in collection that is not mine of the amount {$1400.00}. Please removed this account off my credit report under : They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have XXXX days to notify me from when they receive my disputes.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Credit reporting or other personal consumer reports

This morning, I discovered inaccurate accounts on my credit report, and I have no clue how they got there. I routinely check my credit report, but today, I was shocked to find discrepancies. I even refreshed the page, hoping it was a technical issue, but nothing changed. Im asking for a detailed review of the documents Ive provided to prevent this kind of error in the future.
Product: Checking or savings account

Today, XX/XX/24, I visited a branch in the afternoon. It is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX . I stepped in to make a simple withdrawal of {$10000.00}. I was told that I couldn't be attended to. I decided to try to seek help at another branch at XXXX  other branches in XXXX thereafter and was told that my account had a hold on it. Earlier in the afternoon I received XXXX  separate wire deposits totaling {$61000.00}. The funds were sent by a relative for business and personal purposes. I am a XXXX XXXX  and I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The {$10000.00} I needed today was for a vehicle I have the intentions of purchasing tomorrow at auction. I provided these facts to the people I dealt with but I was asked for a confirmation number of some sort but I as the receiver have no means to have a confirmation number for a transaction that did not originate with me. I was sent the money via wire transfer and I am sure the sending bank should and must have communicated with M & T and other intermediaries to facilitate the electronic transfer. I was able to be sent personal screen shots from my relative who originated the transaction, but he was only able to send me images from his online banking app where he originated the transactions. I provided those but was still unable to be helped. Over the phone i was told to step into local branches to " validate the wire deposit '' but was never provided steps in doing so. I am still unsure of what i am supposed to be validating and how. I also tried to speak to a supervisor over the phone while my relative was present with me in hopes that maybe she could provide more insight. Instead she initiated an internal review on my account. Now am I unable to even get answers because my account can not be accessed online or via telephone. I feel slighted and I am under the impression I have been profiled and handled with prejudice and I am deeply dissatisfied with the way I've been treated.
Product: Credit card or prepaid card

*XX/XX/XXXX, I went to use my Capital One credit card and was declined. Since I make regular payments and was well below my credit limit, I checked my Capital One credit card XXXX app. The app states my account has been " restricted ''. I called Capital One and was told the card may have been closed XX/XX/XXXX via automation. They ( " back office '' ) would research this and get back to me in 7-10 business days. No assurances that the account would be " un-restricted ''. Capitol One ( spoke to XXXX, XXXX, & XXXX ) said perhaps I would receive a call to un-restrict my account on Thursday XX/XX/XXXX. 

<br>*XX/XX/XXXX, A Monday, a business day, I called Capitol One ( spoke to XXXX, XXXX ) and was told maybe Thursday ( XX/XX/XXXX ) it will be re-activated by the " back office, '' but it usually takes 7-10 business days. 

<br>*XX/XX/XXXX, I called Capital One ( spoke to XXXX, XXXX ) was told that the customer service people that I spoke to on XX/XX/XXXX & XX/XX/XXXX were wrong, the complaint was sent to the " back office '' and that I needed to wait the full 7-10 business days. 

<br>*XX/XX/XXXX, I called ( spoke to XXXX ) because it has been 10 business days, I was told that all the other customer service people were wrong, she submitted a new form to the " back office '', and that I had to wait an additional 7-10 days because the other customer service people did not submit my form correctly. Then, XXXX said I may have to wait another 7-10 days for a new card. 

<br>This is not fair, I did not authorize the card ( or account ) to be closed, my bill is up-to-date, I do not wish to wait another 7-10 days for the back office to research why the card got automatically shut off, then wait another 7-10 days for a new card. I had a Capitol One GM Card account for years and want to continue my GM rewards points.
Product: Debt collection

I dont this negative collection on my credit!!! A negative collection will ruin my credit!!! Im dealing with a lot ..Taking care of my mom being sick in the hospital. She had XXXX surgeries since XXXX XXXX. I will get a police report!!! To send to them. Im currently in the hospital with her. I can send you my credit report to prove I pay my bills. My cell number is XXXX. I appreciate if you can help
Product: Credit reporting

On XX/XX/2015, I filed an dispute with Equifax and advised Equifax that voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX, XXXX and XXXX were currently reporting in my credit file. More importantly, I advised Equifax that their is not any clear language in the statue that states voluntarily dismissed chapter XXXX bankruptcies should be included in a consumer credit file and to delete the voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX,XXXX and XXXX and supply me with and updated credit report. I advised Equifax my mailing address is XXXX XXXX XXXX Detention Center ( MDC ) XXXX XXXX XXXX, XXXX, NY XXXX. I never received an response from Equifax. Subsequently, I filed a second dispute with Equifax on XX/XX/2015, and advised Equifax that they never responded to my dispute dated XXXX, and it has pass the allotted time for disputes and they are in violation of the FCRA, and the XXXX voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX,XXXX and XXXX should be immediately deleted off my credit file, and to provide me with an updated credit report. Furthermore, I advised Equifax that my mailing address is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, NY XXXX. I never received an response from Equifax.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against the credit bureau due to significant errors on my credit report that have caused serious harm, including the denial of an apartment application and a job opportunity. These errors are a direct result of the credit bureau 's negligence and failure to comply with the Fair Credit Reporting Act ( FCRA ).

As a result, I am seeking {$10000.00} in damages for the financial and emotional harm caused by these violations.

My credit report contains multiple inaccuracies, which I have disputed with the credit bureau on several occasions. Despite providing supporting documentation, the credit bureau has failed to correct these errors. 

In line with the CFPBs recent lawsuit against the credit bureau, my experience reflects their pattern of conducting sham investigations into consumer disputes. The credit bureau failed to properly investigate or resolve my complaints, violating their obligations under federal law.

The credit bureau failed to reinvestigate my disputes within the FCRA-mandated timeframe. Additionally, deleted information has been improperly reinserted into my credit file without notice, further damaging my credit profile.

My application for an apartment was denied based on my credit report, leaving me without secure housing.

A potential employer rejected my application, as they relied on my inaccurate credit report during the hiring process.

These denials caused emotional distress, financial instability, and damage to my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : US DEPT ED XXXX DEPTEDXXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Credit card or prepaid card

I got an email from American Express ( AMEX ) about a personized offer as below : " We disclosed an incorrect Annual Membership : When you accepted the online upgrade to the Hilton Honors Aspire Card, we disclosed incorrect terms for the Annual Membership fee. We sincerely apologize for any confusion this may have caused. 
We want you to come back : To make things right, we'd like to invite you back to Hilton Aspire - we'll honor the terms you accepted of {$0.00} Annual Membership fee for the first year and {$95.00} for the second year. 
What happened : The Annual Membership fee terms you accepted were incorrectly disclosed. 
What we did about it : We will honor the terms you accepted {$0.00} for the first year and {$95.00} for the second year. 
On or after XX/XX/XXXX, your Annual Membership fee may be increased to the current fee for the Hilton Honors Aspire Card at that time. If so, you will receive a notification before your Annual Membership Fee is increased. 
Next Steps : If you'd like to take advantage of this invitation, please call us by XX/XX/XXXX at XXXX - XXXX - XXXX and share this personalized offer ID, XXXX. '' I requested to accept this offer, but AMEX had no record in their system. As a result, the card is still not upgraded, and they now refuse to honor the offer.
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. Us Small Business Admin ODA, XX/XX/XXXX 2. Discover Financial Services, XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681 b ( c ) and a serious breach of my privacy rights. 

Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

I complained about this company, XXXX, before and the company claimed that they would look into it, but did not provide any proof that they have any information showing that my credit is still linked to 9 prior addresses. I have asked repeatedly that the old addresses be removed and they refuse to do so. This is prejudicial to my credit and this information needs to be removed immediately.
Product: Debt collection

My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX TX XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine and that this be updated as dispute because I have never done business with this company. I also have your letter that violates the FDCPA and proof that you would rather keep sending this letter with the violation rather and pay the damages to consumers since you make more money off the letter than you pay out in damages. Get this off my credit.
Product: Credit reporting or other personal consumer reports

Inquiries I dont recognize XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX According to 15 USC 1681section 1 this is a clear violation of my rights this is clearly willful non compliance and Equifax refuse to comply with the FCRA Laws. XXXX and XXXX deleted these fraudulent inquiries but Equifax refuses to comply with the FCRA laws and refused to comply with the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. 
To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( XXXX XXXX XXXX XXXX XXXX, FL XXXX ) XXXX XXXX PL XXXX XXXX XXXX, FL XXXX ( XXXX IXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX ) ( XXXX IXXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ) There should only be one address listed on my report, which is ( XXXX XXXX XXXX XXXX XXXX XXXX  ). 


Please remove inaccurate employers as well because I'm currently not employed 1. XXXX XXXX Also, I only have 1 current name which is XXXX XXXX Once you have deleted the addresses from my credit report, please send me a copy of my updated report. 


Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

09-01-2022| sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX account number XXXX XXXX XXXX has Discrepancy in the High Balance, date open, date closed, creditor type, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. 

XXXX and XXXX XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence of the original creditor and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You XXXX XXXX
Product: Checking or savings account

I have a Checking Account with PNC. My account became overdrawn because PNC decided to pay for some charges for {$4.00} and {$6.00} and {$10.00} and so on. PNC covered maybe 6 or 7 charges. Yes this was an oversight on my part, however, they should have just rejected the charges, instead they paid it off and charged me {$36.00}. They gave me about 6 or 7 {$36.00} charges and then they charged me and still charging me to this date {$7.00} a day for a continuous daily overdraft fee. That is absolutely ridiculous. If I could NOT pay for a {$4.00} charge why would you charge me more and more daily. Insane. So now im getting all these harassing calls from PNC not to mention my account is now at about {$400.00} in the negative and they are still charging me {$7.00} per day. Can someone please help me out on this. I am a XXXX XXXX and my pay check is deposited directly into my checking account and they know this so that 's why I am being taken advantage of. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights.

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

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

15 U.S.C 1681 SECTION 2A. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report there is an address being reported that I am associated with. My address is XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. While there is a similar address of XXXX XXXX XXXX XXXX, SC XXXX. 

As a result there are several accounts being reported erroneously. The account listed below does not belong to me and would like the reporting of the associated address and account to be removed from my credit report. 


XXXX XXXX XXXX with a {$160.00} balance
Product: Credit reporting or other personal consumer reports

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )