23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX XXXX, 2017, I contacted American Express Bluebird in regards to a {$1000.00} bill payment check that was returned to me uncashed to have them return the funds to my account. I explained to the representative and a manager that the original check was mailed back to me. I specifically asked should I return the check back to American Express and I was told no. I was also told by the supervisor on the recorded line that my funds would be back in my account on XXXX XXXX, 2017 at XXXX EST. I checked my account and the funds were not there and so I called American Express back again that same night and I was told basically that the supervisor lied to me about when my money would be place in the account. I contacted American Express again on XXXX XXXX about the status of my money and I was told that it would be in my account Monday at XXXX EST on XXXX XXXX. I have been calling American Express everyday and have been given different answers about my when my funds will be credited back to my account. There is no reason that I should have to keep calling a " bank '' and keep getting incorrect information from employees and supervisors. Yet, I still have not received my {$1000.00} back in to my account. I asked to speak with someone in their dispute department and they stated that there is no way for customers to contact them which to me seems a bit shady. Every real bank has a dispute team and yet I still can not get a definitive answer as to when my money will be returned to my account. It is utterly ridiculous that I have to go through this to have my money put back in my account.This has literally been a nightmare.
Product: Credit reporting or other personal consumer reports

These accounts are inaccurate and fraudulent and should not be on my consumer reports. I am demanding these accounts to be deleted asap. 

NCA {$300.00} NCA {$540.00} XXXX XXXX  {$660.00} XXXX XXXX XXXX {$1700.00}
Product: Debt collection

In XXXX Capital One charged off a credit card that I had with them. They have continued to report it as a charge off even though it was possibly sent to a third party. In XXXX of XXXX I called Capital One to get information on this charge off that they had. I spend about 45 minutes on the phone with the representative trying to get my information. The representative said that she couldn't find my charge off information at all in her system. So I started a dispute with the credit bureau. As of today XXXX XXXX I called Capital One back because I'm trying to get a mortgage and spend an hour and a half on the phone with them and my mortgage lending trying to get something showing my charge off account with them so I could get on a payment plan and yet again they were unable to find anything on my charge off account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on AGAIN XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX. SO According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.I have the credit report showing the inaccuracies. LIST OF ACCOUNTS- XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXXXXXXXXXXXXXXXX And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate Which they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX on three separate occasions in an effort to get my consumer report from them. They are reporting incorrect bankruptcy information that does not belong to me. They confirm this information to XXXX and Experian however on the report I received on XX/XX/XXXX there isn't any bankruptcies showing on my XXXX consumer report that said, subsequent attempts to get my consumer report from XXXX has been denied. 

THey asked fr a copy of my Driver License and Social Security card which I have submitted they confirm that they have received and attached to my file however they still deny my request. at this Point THis should be assumed to be collusion between Experian and XXXX to keep incorrect, illegal and misleading information on my credit report. My family and I have suffered irrecoverable harm because of the actions of XXXX and Experian. It is my wish that they deliver to me a true and correct copy of my XXXX consumer report. That they remove the unverifiable information that they are reporting on me. 

The XXXX XXXX XXXX XXXX  Bankruptcy court explicitly states that they do not verify Bankruptcy information with any source or requester Both XXXX and Experian need to stop the collusion to keep incorrect information on my Credit reports. the following information is in question with both XXXX and experian and should immediately be removed from both sources. However I have a report Dated XX/XX/XXXX That this information isn't being reported by XXXX. According to Experian and the fact I can't get Subsequent reports it seems to be. Immediate removal is demanded Public Record DATE Reference # Bankruptcy XXXX XXXX XX/XX/XXXX XXXX Bankruptcy XXXX  XXXX XX/XX/XXXX XXXX Bankruptcy XXXX XXXX XX/XX/XXXX XXXX Bankruptcy XXXX  XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019, XXXX  and Experian stop allowed to operate his dispute center They are controlling life-changing information, and they clearly have no interest in fixing this issue avoiding customers dispute wrong accounts in reports which is illegal. Every customer by law have the right to review their account and dispute any wrong statements. By email they never receive the documents they state always please resend it never arrive. No one is doing anything to find a solution. Experian is running a similar scam, where their site is always down for disputes, you have to send things in the mail, they get lost, etc. I have submitted multiple disputes for erroneous reporting and have gotten a resolution expected when I tried to re submit did not allow. I hope CFBP will help doing something about this scam by this companies in which mos of the time get money from third parties to continue operating in this way.
Product: Checking or savings account

NAVY FEDERAL IS TARNISHING MY ACCOUNT BY A BOUNCE CHECK WAS APPROVE BY THEY SYSTEM A YEAR AGO. NOW THEY GOT MY ACCOUNT OVERDRAFT, ANDTHE PROBLEM A CLIETS IS GET FUNDS BACK FROM A PRODUCT WAS SOLD TO YEARS AGO AND NOW MY ACCOUNT IS OVERDRAFT XXXX PLUS AND NEED THIS REMOVE BACK TO THE REGULAR BALANCE. I HAVE THE RIGHTS OF PRIVACY, U S C CODE 1681A 1681B 1666B 1692C 1681AI. PLEASE REMOVE THIS CHECKING ACCOUNT.
Product: Credit card

I have been going back and forth between XXXX XXXX XXXX rewards program to figure out what happened to my points. Bank of America claimed to have transferred the points automatically, but I never received them on my XXXX XXXX account. I contacted Bank of America ( for the XXXX time regarding the issue ) and they finally transferred me to a supervisor that stated the rewards points expired. Before signing up, I was told that the rewards miles do n't expire let alone after a month! Bank of America kept putting blame on XXXX and sending me to them for resolve when BofA is the XXXX responsible for rewards transfers.
Product: Credit card or prepaid card

I am an XXXX XXXX service member and I should be receiving 6 % interest rate from American Express under the Servicemembers Civil Relief Act ( SCRA ). I send them my XXXX XXXX military order in XXXX of this year and they still refusing to reduce my interest rate to 6 % although the law says all debt prior to XXXX XXXX. Please look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX which is also listed with an incorrect dates XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2024 Request for deletion of outdated Personal Information To Whom It May Concern, I am writing to request the removal of outdated personal information from my credit report. I have noticed that some of the names, addresses, employment, spouse and phone numbers listed on my report are no longer accurate, as I have updated my contact details. 

Please delete the following outdated information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 only number that should be listed is XXXX. Please delete all others. 

XXXX. I am not a XXXX XXXX. Please delete. I never had a company nor worked for XXXXXXXX XXXX XXXX 
I currently work for XXXX XXXX XXXX XXXX XXXX as a XXXX XXXX 
Address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

XXXX. I never have been in connection with a person named XXXX. I do not have a spouse named XXXX. Please delete. 

XXXX. My correct name is XXXX XXXX XXXX. Please delete all others. 

Please update my information. Thank you.
Product: Debt collection

Navy Federal continues to report inaccurate account information to XXXX, XXXX, and XXXX credit reporting agencies which continue to cause me irreversible harm. 

I have attached the following documents.
Product: Checking or savings account

I reported that my card was charged for something while I was at work. The charge was XXXX miles away from my location at that time. I provided my schedule, screen shots of the location. Chime still refuses to reimburse my XXXX. I have spoken with my local police department who is advising that they have taken multiple reports these past XXXX weeks of chime customers who disputes are being denied and thinks that chime may be covering up a data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT XXXX XXXX  You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and XXXX for full compensation and damages incurred. Please delete the items immediate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting

there is an account that continues to report on my credit file from XXXX acct # XXXX and XXXX # XXXX also known as XXXX # XXXX after this acct has been established with the other credit bureaus and the companies to be fraudulent ... ..
Product: Checking or savings account

On Friday, XX/XX/year> at around XXXX XXXX, I called the Truist consumer XXXX  ( XXXX ) for an error regarding adding external accounts to transfer funds into and out of my Truist checking account. I have had this problem for over a year. I call and no one can ever give me a reason why a crucial part of their system doesn't work for me. I attempt to add banks in order to have as external transfer accounts and it always say the routing number is invalid. It is 3 different types of banks, so it is virtually impossible that all 3 would be invalid. On this call, they told me to try the website. I told them it didn't work. They said to try the mobile app. Same thing, I told them it didn't work. He said he would leave a note and that they could call me back but it has been a month and now callback. I have no issue with any of the sevwral other banks I use, only truist prohibits me from adding external transfer accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that my social security number had be compromised. I checked my credit report and I have not applied or tried to acquire accounts from any of the companies listed. There are current inquiries on my credit report I did not authorize. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter sent and responded to Check into Cash XX/XX/23 to verify debt. They refuse to verify debt, this is not mine. I am a victim of identity theft and they have 3 accounts on my credit report they can not validate.
Product: Credit reporting or other personal consumer reports

I have requested that this account to validated. I have requested the copy of the agreement we had and yet they have not sent it. I called and spoke with there credit department. A young lady that I spoke with promised that I will receive the proof that I owe this account in the mail. And I havent received anything
Product: Credit card or prepaid card

Macys act XXXX Orally gave my account information and it was never used to deduct from autopay. Dsiputed and tried to fix the problem and never resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the XXXX previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$170.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00}, and XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$410.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date listed below, I submitted the following statement in the form of a letter listed below and XXXX failed to Verify-in 30 days the inaccurate information on my credit report. My life has Ben Ruined for  years because of this incorrect information cant get a job or receive funding for a business start-up. NO VERIFIABLE PROOF WAS SHOWN XX/XX/2020 Equifax Consumer Dispute Center According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 

Also Please remove all accounts that are not METRO 2 COMPLIANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, There are 2 addresses that are currently listed as mine on the 3-bureaus reports. They are : XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX XXXX XXXX XXXX 
XXXX, SC XXXX These addresses are NOT MINE, nor have they ever been. As a result, credit cards have been opened and those accounts have reported. Also, several inquiries have also been made and are listed as hard inquiries on my XXXX report. They are : XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XX/XX/22 XXXX  XX/XX/22 Because of this error I have had to put a freeze on my credit, which impacts my ability to secure new funding. I have contacted the bureaus and the erroneous accounts have been removed, but the addresses that appear to have caused the error in the first are still reporting, as are the hard inquiries.
Product: Payday loan, title loan, personal loan, or advance loan

All money despite cash app and XXXX XXXX got my credit all jack up all they paid me was XXXX dollars
Product: Checking or savings account

I Opened a claim on XX/XX/XXXX under the claim number XXXX XXXX credit was given but after 4 weeks that credit was reversed. 
I sent a letter explaining the situation and also the invoices to the bank on XX/XX/XXXX by fax to the number XXXX XXXX XXXX. 
I called today XX/XX/XXXX to know the reason for denial and they have a wrong address on file, I checked with my online banking and there shows a correct address. 
They sent documentation to the wrong address and because they didnt receive a response for those document they denied the case. 
Attached goes a screen shot of my address on my online banking which is the correct one.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days. 

XXXX. Unauthorized Inquiry - Creditor Name : XXXX XXXX XXXXXXXX - Date of Inquiry : XX/XX/year> - Requested Action : Remove the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I went to a XXXX bank located in XXXX XXXX to open a XXXX Bank Account. I submitted all of my business information, I was also required to provide my personal information. After the Rep submitted my application I was informed that XXXX denied my request to open the XXXX Bank Account based on personal information on my Equifax XXXX report. That did not make any sense to me. 

I am not aware nor informed if it's a common business practice to run a customer 's personal consumer report for opening and establishing a business bank account. During the process at no point was it disclosed to me that my personal consumer report would be pulled ( soft/hard ) to determine if I qualified for a business bank account. 

I strongly feel that my consumer rights have been violated by misleading and deceptive actions taken by XXXX. I felt embarrassed and humiliated with the outcome. The consumer report pull was impermissible because I was provided any disclosure during the application process.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to : 15 U.S.C 1681 section 602 A. State 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 an account without my written instructions. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX Bank ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX Account Name : Collections ( Original Creditor : Collections ) Account # XXXX Account Name : Collections ( Original Creditor : Collections ) Account # XXXX Account Name : Collections ( Original Creditor : Collections ) Account # XXXX