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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Sent letters to Experian, XXXX, and XXXX regarding the fact that they are reporting an 8 yr old XXXX XXXX BK with wrong information. I asked them to review or delete. XXXX did the right thing and deleted. 

Experian and XXXX just responded by saying they have verified the info and it is correct. I then resent letter asking for verification of how they got the info. All they said was that it was public record from the court. 

I sent letter to XXXX Bankruptcy Court, and they stated that Experian and XXXX lied because they do not verify or confirm bankruptcy information with any credit reporting agencies. This fact can also be googled when you ask XXXX XXXX Bankruptcy Court provide verification to credit agencies. 

Sent letter to both Experian and XXXX and they never respond and continue to report incorrect information. As a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, this false Information is killing me. Please have them remove this info.
Product: Mortgage

I spoke with several reps in collection department at Amerisave on XX/XX/XXXX including a XXXX twice, his manager by name of XXXX regarding notice of default received on XX/XX/XXXX, date of notice is XXXX. The default includes payments for XXXX and XXXX. I was explained by XXXX the account is no longer with Amerisave, now with XXXX XXXX XXXX and payments are now due to them, XXXX XXXX XXXX. XXXX,, initials XXXX, also explained the notice of default is off table, meaning to disregard it. He checked with his manager to confirm everything, then stated the XXXX payment is still due to Amerisave and needed to make it to them. Calls were made to XXXX XXXX XXXX, back and forth, a manager by name of XXXX also confirmed what XXXX stated. A final conference call waa made with myself, XXXX XXXX XXXX, Amerisave, that collection rep with Amerisave claimed payments are now due to XXXX XXXX XXXX including XXXX. .This information does not match with what was provided by XXXX and XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX Equifax are reporting 15 Hard inquiries on my credit report. I am currently in XXXX XXXX Bankruptcy and did not apply for any credit with these companies. I have contacted each bureau and requested the removal of all inquiries. I have filed for a theft of my identity. I have contacted my Attorney regarding this issue, and was advised to call three credit bureaus to informed them of the breach. I started this process on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never gave XXXX XXXX equifax, XXXX, authorization to obtain or distribute any of my information, there for this is fraudulent there are not part off the government and have cost me opportunities for a better life job.If I never gave you constent how can these companies distribute information about me that is not fact checked, and put closed accounts on the report with updated monies owed, and lying about researching the issues.either my they stop reporting and remedy the situation and pay me for pain an damages, or I will be forced to file a lawsuit against everyone of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding an account on my credit report from XXXX XXXX XXXX of {$10000.00}. 
Under Section 611 ( 5 ) ( A ) of FCRA any account and all information pertaining to it should be promptly deleted if it can not be verified. 
I have sent 4 letters to Experian starting XXXX of XXXX asking to see verifiable proof ( hard evidence going all the way back to the original creditor, not verification from third-party database ) regarding this account. ( my first letter was on XX/XX/XXXX ) Under the FCRA, unverified accounts must be removed if Experian is unable to provide a copy of verifiable proof. The account remained on my credit report. 
On XX/XX/XXXX I sent my second written request to Experian asking for a description of the procedures used to determine the accuracy of this account. But they did not provide me with any hard copy documentation showing that they properly verified this account and under Section 611 ( 5 ) ( A ) ( i ) of the FCRA they are required to " promptly delete all information which can not be verified. '' They did not delete the account and I have not received any hard copy documentation. 
On XX/XX/XXXX of XXXX I sent my third written request to Experian, asking them again to delete this account because they did not provide copy of any documentation ( hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Also, Experian did not provide the method of verification as required under section 611 ( a ) ( 7 ).

Again section 611 ( 5 ) ( A ) of the FCRA states that any information which can not be verified with proper documentation to be promptly deleted. 
On XX/XX/XXXX I sent my XXXX written letter to Experian because the account is still on my credit report unverified. Again i did not receive copy of any original documentation for this account and no method of verification was provided. 
The account is still on my credit report. 
All my letters have been sent certified mail with return receipt and signature on them. Also all letters were signed by a notary agent before sending them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all incorrect information on my credit report with transunion. checking my file ive noticed Alot of invalid information that is hindering my file. I am intrested in getting my file cleared to correct my credit report.
Product: Money transfer, virtual currency, or money service

Description of Complaint : The initial issue stemmed from a chargeback on a crypto purchase. When I became aware of the issue, I made a deposit of 5 times the amount of the {$100.00} chargeback. I have submitted over 15 support tickets in the past month with ZERO response to rectify my inability to trade. Binance has denied me access to over {$17000.00} in cash and crypto assets for over a month which is unacceptable. I have missed out on numerous opportunities to make trades that would have benefitted my family financially. I have fulfilled all actions on my behalf to resolve the chargeback, such as depositing more than 5 times the amount of the initial chargeback. Binance immediately deducted the amount of the chargeback from my deposit, but NEVER restored trading ( buying and selling ) functionality to my account. The deposit for chargeback resolution was made on XX/XX/XXXX, which is over a month with no trading ability. Bad business practices from financial institutions are unacceptable and create consumer distrust in the marketplace. 

Binance written policy which has been violated states as follows : How to restore access : To regain access to your account, please check your deposit history and email for any chargeback notifications. If you have received one, we'll need you to settle the dispute by making a new deposit and return the appropriate amount here. I've repaid the negative balance on my account. What happens next? Contact our customer service team here. We'll verify your transaction, and your trading and withdrawal ability should be restored within seven days. 

Desired Settlement : I would like my trading functionality restored immediately, as well as a formal apology for the gross negligence of service which has caused me financial harm
Product: Checking or savings account

I am a victim of ID Theft. These accounts were closed for fraudulent reasons.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX my wife and I applied for a home renovation loan. We were not approved for the full amount, however we received a counter-offer that was good until XX/XX/XXXX. About a week prior to the expiration of this counter offer, I reached out Lightstream to arrange the funding of the loan. The representative informed me that the company has recently changed their policy and the home renovation loans are good for 90 days. I asked the rep multiple times, if she was sure of this policy change, she confirmed " YES '' and advised me that i could callback anytime in the 90 day window to accept and fund this loan. 

Well after calling today XXXX XX/XX/XXXX XXXX, I am being told that the loan was not " accepted '' by me, and that i would have to reapply. After multiple escalations, I reached someone that was able to pull the RECORDED call and confirm that I was in fact misinformed. Although Lightstream has accepted fault for this misinformation, they refuse to honor my original approval. I made a {$6500.00} deposit to XXXX XXXX that is now in jeopardy because of your negligence. The supplies were delivered and the construction of my pool was supposed to take place this week. At this point we are without funding and may lose our money.

It is not fair practice to misinform consumers, accept responsibility for the mistake and then not rectify the issue. I was told to reapply and that the pricing may change and I may or may not get approved ....
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan was paid in full through wage garnishment. I received the title to my truck a couple of months after the amount owed was paid. Instead of my credit report stating the loan was paid in full, it states that the account was closed with the remaining balance charged off as bad debt / profit and loss write-off. This was the case on XXXX as well but it was corrected after I submitted a dispute. There was no change after my dispute with Transunion. I have my copy of the loan agreement, the wage garnishment, and the receipt showing the balance was paid in full. The company is XXXX XXXX XXXX   XXXX, and the account was closed XX/XX/XXXX. A balance of {$260.00} was last reported on XX/XX/ 2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed CITIBANK ( CBNA ), XXXX XXXX XXXX, XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by -XXXX XXXX ( XXXX ) on XX/XX/XXXX, -CITIBANK  ( CNBA ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted Citibank, and XXXX XXXX XXXX  and XXXX XXXX ( XXXX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 XXXX XXXX XXXX reported as a inquire on my account. 
Equifax XXXX XXXX I have done no business with XXXX XXXX, I called there office and they were unable to find my information in there Data base.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not familiar with the following inquiry XXXX XXXX XXXXXXXX Inquiry from XX/XX/2018. Please investigate to make sure there is no fraudulent activity.
Product: Mortgage

I received a letter from Chase stating my payment XX/XX/XXXX was not credited and requested I send proof of payment. I inquired with my bank and my bank sent statements XX/XX/XXXX verifying we did in fact make a payment XX/XX/XXXX. I was unemployed XX/XX/XXXX and called Chase stating so XX/XX/XXXX, we paid {$810.00} XX/XX/XXXX, we made XXXX payments in the amount of {$810.00} XX/XX/XXXX to cover the missing month and paid {$810.00} XX/XX/XXXX payment. I faxed the same information the bank faxed XXXX, she called me and left voicemail stating she was having the payment credited to have issue resolved. I made XX/XX/XXXX payment XX/XX/XXXX, it has not been credited to my account. Chase is still showing we are behind XXXX payments despite my proof of payment and continuance to make payments. I desire for Chase to resolve the error and credit my account on the day payments are received, credit the payment made XXXX/XXXX/XXXX immediately and send me a letter verifying we are not in foreclosure status and the account is current. Further I have called the representative Chase is stating is able to help only to be told another representative is handling this situation. Names I have been given, XXXX XXXX, XXXX XXXX, XXXX XXXX. The name provided in the response to my initial complaint XXXX, I have yet to speak with her and was told XXXX XXXX was handling my complaint when I called and asked XXXX. When I called and asked XXXX I was told XXXX XXXX was handling my issue. Who is really handling my issue? I have been passed around to multiple representatives without resolution despite my diligent effort to resolve this issue and providing bank statements and a letter from the bank. My bank has faxed the XXXX pages of bank statements and letter to XXXX separate fax numbers at Chase in an effort to have this resolved. The lack of closure has me concerned we are in danger of losing our home.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate Information from Credit Report Dear Sir/Madam , I am writing to formally dispute and request the immediate removal of inaccurate and misrepresented information from my credit report, which was generated by TransUnion. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am requesting that you correct the errors in my credit file, as the entries listed below are either incorrect, unverifiable, or misrepresented and were not given permission to have access to my report. 

The following items are in dispute and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following companies were not given permission to have access to any of my reports, the entries above are either inaccurate or misrepresented and are affecting my credit score. Specifically, there may be issues regarding incorrect inquiries or accounts that were inaccurately reported to your bureau. I request that you DELETE these entries and ensure they comply with the requirements of the FCRA.

According to Section 1681i ( a ) of the FCRA, if a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute, correct any inaccuracies, and notify the consumer of the outcome. If the disputed information can not be verified, it must be removed. Additionally, the FCRA provides that you are required to remove any inaccurate, incomplete, or unverifiable information from a consumers credit report, including any inquiries that were not authorized under Section 1681b of the FCRA.

As these inquiries and accounts have been inaccurately reported or can not be verified as required by law, I demand their removal under the authority of the FCRA. Additionally, I request that you provide an updated copy of my credit report reflecting these corrections. 

Please complete this process within 30 days from the receipt of this letter, as required by Section 1681i ( a ) ( 1 ) of the FCRA. Failure to do so will compel me to take further action to enforce my rights, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal remedies as provided by the FCRA.

Please send me an updated credit report that reflects the removal of the above-mentioned items once your investigation has been completed. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

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

XXXX, Experian and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Product: Credit reporting or other personal consumer reports

For YEARS i've initiated disputes with Experian regarding a collections account that should not be on the credit report ( XXXX XXXX XXXX ) as well as a charged off accounts that should no longer be reporting ( XXXX XXXX XXXX  ) and XXXX XXXX XXXX , despite the fraudulent and inaccurate nature of these accounts Experian has knowingly reported this information and has even allowed these companies to falsify dates and balances. These unruly practices have caused me severe harm and multiple denials. Experian has disregarded all proof i've supplied regarding these accounts and have continued to report the inaccurate information as truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion file . This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX Balance : {$4600.00} Date Opened : XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

The bank of my called First National Bank of Omaha Acct # XXXX did not send electronically as I wanted when I set up the payee online. They sent to the XXXX XXXX XXXX late! The XXXX XXXX XXXX refused to change or correct the information. However, they did AFTER receiving the check from the First National Bank of Omaha. On my first attempt, I tried to fix but they did not believe me. I have a several pictures attached to prove you. The XXXX XXXX XXXX charged me on late fee and even charged me for {$13.00} dollars for interest rate. Why would they charge me twice??! The XXXX   XXXX XXXX is a rip off! I asked them to credit both and the bank refused. I did pay the payment on time which was XX/XX/XXXX ... .before the deadline date. I pay on time always, but the bank and credit cards keep messing up my credit record. THIS IS WHY I am frustrated with them. They always ruin my record. I ask you to please investigate this thoroughly. How did I know I did not have a good record? XXXX was the one that shows me the problem and it started with XXXX XXXX XXXX. In fact, I called them today about why they changed the APR, they said they did not. So I don't know why XXXX has that information about the APR and it pulled ten points off from my record. I deposited my whole {$8000.00} cash into a secured card I requested. But XXXX is harming my record even though it was MY MONEY and I made it as a secured card ( last digit as # XXXX ) within XXXX XXXX XXXX. XXXX needs to fix this record and do not blame me for the APR because the man at the XXXX  XXXX XXXX never told me about the APR. I would not want a secured card with a high APR, the XXXX XXXX XXXX never told me about the APR. However, the XXXX XXXX XXXX and XXXX both have different information on APR. Can you please have them fix the problem?! And keep my credit record clean as it was! Also, I check National Bank of Omaha, it has a proper status as + for a credit. However, the XXXX  XXXX XXXX has - as a symbol for a credit. I do not like the XXXX XXXX XXXX s symbol. It is not friendly. They need to change to + as a credit. It is more proper status.