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

My identity was stolen and my report inaccurately shows an eviction. Ive mailed proof and have not heard a response back. I would like it disputed.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or rectify the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Good day, there are inquiries on my credit report which I don't recognize nor applied to, I did not authorize this nor given consent to these companies to pull up my credit report. It is stressing me and making me XXXX  on why and how this happened.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : US DEPT ED XXXX Balance Owed : {$8500.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$770.00} US DEPT ED XXXX Balance Owed : {$550.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$8900.00} US DEPT ED XXXX Balance Owed : {$6000.00} US DEPT ED XXXX Balance Owed : {$8400.00} US DEPT ED XXXX Balance Owed : {$400.00}
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$280.00} XXXX  XXXX Balance : {$15000.00} XXXX XXXX Balance : {$100.00}
Product: Debt collection

I received a notice requesting payment from SOUTHWEST CREDIT SYSTEMS on behalf of XXXX for account XXXX/XXXX/16. 

I made payment XXXX/XXXX/16 under the false representation from SW Credit that the debt would be cleared with the original creditor in 3 business days. 

XXXX/XXXX/16 I contacted the original creditor and was told by them the collection agency has not cleared the debt. 

XXXX/XXXX/16 I contacted SW Credit systems and was told by employee XXXX that a mistake was made on their end and they would contact the original creditor and promised it would be cleared in 2 business days. 

XXXX/XXXX/2016 contacted original creditor and was advised the account still was not cleared. Called SW CREDIT spoke to employee XXXX again who advised it would take 2 more business days to clear but on that day he would send me a settlement letter via email. The same email address I received the request for payment XXXX/XXXX/16. 

XXXX/XXXX/16 I received an email from original creditor that the debt was still active in their records. I also never received the settlement letter from SouthWest Credit that I was promised on XXXX/XXXX/16.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account I have personally tried to validate and nothing was ever received. How are Experian and XXXX able to verify this when I can not and it is on my credit file and it is inaccurate. The social doesn't even match mine Account is listed XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These inquiries do not belong to me, and I have no ties to the creditors mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to rectify this matter with XXXX XXXX XXXX, XXXX, and Tranunion. I have notified all of them that this account do not belong to me and was open as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened my account on XX/XX/2024 with promo code, TRUISTXXXX. The terms of the offer was make a direct deposit over {$500.00} and make 15 qualifying debit card transactions within 90 days of account opening and receive {$400.00} within 4 weeks. I received my first direct deposit of {$500.00} on XX/XX/2024 and made XXXX debit card transactions by XX/XX/2024. The 4 weeks elapsed on XX/XX/2024 and I had not received any bonuses. I called Truists banking line ( ( XXXX ) XXXX ) and was not given any clear information about when Id get my bonus. I asked to escalate to a supervisor who saw I had met all of the activities however did not take any action or suggest anything that would allow me to get my bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted documentation proving that three items should be removed from my credit file. Experian and XXXX refuse to remove them and have stated that they were " verified as correct ''. The letters provided clearly show they should be removed. According to the Fair Reporting Act, they are not abiding by the law. These are XXXX XXXX for XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and delete : : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Checking or savings account

Was Wells Fargo supposed to purge Accounts with Funds as Policy and deny Transfer? CFPB should hold Wells Fargo accountable for in fraudem legis ( Legal Fraud ) relating to purging my Accounts with Funds in them and for Wells Fargo 's inherent failure to transfer said Funds to the Arizona State Treasury as promised for my retrieval by Complaint. 

After the selling of the Crime Scene to my Case in XXXX XXXX, Nevada, i.e. -- XXXX XXXX  XXXX XXXX -, XXXX XXXX, which was my Bank at the time in XXXX, XXXX, purchased Wells Fargo and continued to transferring the Bonds of Damages began with the XXXX XXXX  in XXXX till XX/XX/XXXX, at the incident Change of Address to XXXX XXXX XXXX XXXX ( XXXX  ) and with XXXX, being the last of the Transfer. This Change of Address, ( COA ) see, Attachment, XXXX, was an advice from XXXX XXXX XXXX, Branch Manager of the Wells Fargo in XXXX, Oregon. She also advised, that, if I did not, the Bank will transfer my Funds to the Arizona State Treasury and I would have to file a Complaint to retrieve my Funds. But when these Accounts were foreclosed in XXXX, XXXX due to Overdrafts, Wells Fargo did not transfer my Funds to the State 's Treasury for Safekeeping as promised. ( See, Legal Fraud ). Wells Fargo also remitted a {$500.00} Ref : # XXXX NA, Promissory Note, Document # : XXXX, see, Attachment, XXXX on XX/XX/XXXX to my XXXX  Trust Account without my Consent. Which Act violated the Uniform Commercial Code ( UCC ) Patent Ambiguity for Amount in excess of {$490.00} requiring the signing of Agreement. Which Act also concludes inherent culpability to pay by Quasi Obligation, the alighted Funds, therein, at-law.
Product: Checking or savings account

Received a promotion to open a checking account with a {$500.00} bonus after completing the following activities : Deposit {$5000.00} within 30 days Make 5 transactions within 90 days Enroll in online banking Opened with promotional code and enrolled in online banking. Performed the following activities : XX/XX/22 - opening deposit of {$100.00} XX/XX/22 - {$5000.00} new money deposit XX/XX/XXXX XXXX XXXX XXXX  XX/XX/22 - XXXX XXXX XX/XX/22 - XXXX XXXX XX/XX/22 - XXXX XXXX Account is in good standing and no promotion bonus as of XX/XX/22. Can provide more information if needed. Thank you
Product: Credit reporting or other personal consumer reports

Creditor Name : : XXXX XXXXT Creditor Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Phone Number : XXXX Creditor Name : XXXX XXXX Creditor Address : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Creditor Phone Number : XXXX I recently checked my credit report and noticed some inaccurate accounts reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Telfono : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Employer : XXXX XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors XXXX be affecting my XXXX XXXX and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.

I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

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

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have submitted disputes through XXXX they have not sent me a contract showing they lent me something or provided service to me and I agreed to do business with them, that it needs to be deleted. I have told them that any contract with me has to be between the accuser and me with both of our signatures. I have no knowledge of this company, have never contracted with them, they are strangers to any transaction with me and are not qualified to claim that I owe them something under the XXXX of XXXX. 
I have disputed this with all XXXX credit reporting it has been deleted on XX/XX/2015. I have demanded validation from the accuser/furnisher and they have not validated with any proof of a contractual agreement between me and them.So, that is why it was deleted and now XXXX year XXXX months later they are trying to collect again on a debt when does it end it 's like a merry go around and harassment because now I have to go through the process again in order to get deleted and will just like before the time and effort us consumers are faced with these collections agencies for what nothing but wasted time and I value my credit and it 's very important to keep onto of these collections agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for an account with Equifax. The scores they have for themselves,  XXXX  and  XXXX  are all incorrect and do n't match any other FICO score for me. I called Equifax and they refused to help me over the phone, saying that they could not give me a score over the telephone. I am trying to buy a house and the mortgage company I am using uses Equifax exclusively so I have been rejected for a mortgage. As well, I paid down a lot of debt and as a result, Equifax dropped my credit score by  XXXX  points.
Incorrect information plus no customer service. As well, their website is almost always down for maintenance.
Product: Debt collection

A unpaid phone bill of XXXX but on my credit report its XXXXXXXX XXXX  on my XXXX credit report. Date XXXX XXXX Amount : XXXXXXXX XXXX I XXXX XXXX contacted Credence resource management and created an payment plan XXXX  is the original debtor
Product: Mortgage

My loan went from lender paid to buyer paid right when it was time to sign docs. This swing changed fees, interest rate and limited my ability to consolidate my debt as was originally expected. The Loan Company is Plaza Home Mortgage in XXXX, CA and the Mortgage Broker is Fast Direct Lending. My loan number is XXXX. Plaza seemed to keep asking for information well after Loan Approval and all the way up to doc signing. 
My income has increased, my credit has improved and the property was appraised with a good value. I am going to sign the loan docs, I have till XXXX XXXX XXXX, 2015 to rescind. 
I have been trying to refinance for the past XXXX and I am not sure I can go through this another time. It seems that Plaza was delaying. I do not know the dates of lock extensions but their re-requesting of the same information for example a XXXX for my mother whom does not file taxes. They were told this yet they kept asking for this form to be resubmitted. Just when it was time to sign docs, the Notary even contacted me and we were going to meet that day, only to find out that Plaza stopped the process and next thing I was paying for all cost of the loan with a higher interest rate. I was floored and have been nauseous since. It has been XXXX months since the original XXXX was issued. The market is moving and I am afraid that if I do not take this loan I will end up with an even higher interest rate. This seems unfair to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times, through Dispute letters, I have tried to fix the incorrect information on this account, with XXXX XXXX XXXX XXXX. XXXX then would contact First Interstate Bank and the account would come back with the incorrect dates, incomplete information, and missing data and was verified accurate by First Interstate Bank. Leaving the Report INACCURATE. The Account information for this complaint is taken from an XXXX credit report # XXXX for XX/XX/XXXX. The account is XXXX .... This is a joint account with my spouse. I will attach documents that XXXX provided. I contacted First Interstate Bank and requested documents about payment history or statements related to this account they informed that none were available and would not provide any documents. When you examine the account information from XXXX you will find that the Date Opened is XXXX XXXX. The Payment history ends XX/XX/XXXX. The Payment history is missing 12 months of payments making this report ( INACCURATE ). The Monthly payment ( NOT REPORTED ) missing information making this report ( INACCURATE ). Upon examining the provided XXXX document you will find the High balance as ( NOT REPORTED ) making the report ( INACCURATE ). Recent Balance is ( NOT REPORTED ) making the report ( INACCURATE ). The Payment history has been left showing a few months of an account which was active for 19 months making this report ( INACCURATE ). By Law FCRA sections 609 and 611 require thar Creditors and Reporting agencies provide accurate reporting of accounts. Should they not do so the account will be delete. There are many Errors on this XXXX Credit Report which have been VERIFIED as accurate by First Interstate Bank.
Product: Credit card or prepaid card

On XX/XX/2022 I purchased a round trip flight from XXXX to XXXX  for my wife XXXX XXXX XXXX and myself through Chase Travel in the amount of {$1100.00} departing XX/XX/2022 and returning XX/XX/XXXX on XXXX XXXX. 
Trip ID XXXX. 
Departing flight info : Trip confirmation - XXXX Agency Reference XXXX XXXX XXXX and XXXX Returning flight info : flight confirmation XXXX Agency Reference XXXX Flight XXXX  XXXX and XXXX  XXXX I then had to cancel the flight through Chase Travel who told me I will receive a flight credit in the full purchase price of {$1100.00}. On XX/XX/XXXX I used {$250.00} of the credit to book a flight for my wife to XXXX leaving {$900.00} remaining in credit. 

I am now attempting to purchase a round trip flight for my wife and I to XXXX from XXXX and Chase Trace has not been cooperative at all. I have spent at least 6 hours explaining the situation to them in the past week and I currently have been on hold for 55 minutes of a XXXX call that is still ongoing. I have made multiple calls in the past week leading to people just hanging up and not calling back or transferring me to random people that have no history of the situation forcing me to start over again until I am hung up on. In the most recent phone calls they have told me to call XXXX XXXX instead of Chase Travel to use my flight credit. When calling XXXX XXXX they let me know my credit is only for {$250.00} and its only for XXXX as I was not on the trip. The trip that I booked on my card through chase travel. Since attempting to make the trip the cost of the trip has increased in addition to the several hours spent trying to obtain my credit. Chase has admitted to me having booked a round trip for two people and when asked how the credit can only be for XXXX they tell me to call XXXX. Then XXXX will send me back to Chase.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I submitted a complaint about inaccurate addresses reporting on my credit report. They came back verified. I would like for them to send me the method of verification. How was the verified? Please send me documentation that shows that the address are verified and accurate. Who was the person that verified the information. Please send me this information within 15 days or delete the address from my credit report. My current mailing address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion are reporting 11 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to TransUnion since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I looked into my updated credit report, I found that part of the data was inaccurate. The 3 credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Without providing proof within the allowed time frame, it is unacceptable to classify this reporting account as unverified information. Sections 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ) ( A ). Please look into the unverified account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is aimed at the three credit bureaus ( XXXX, XXXX, and TransUnion ). 

Although the actions described below are legal according to the Fair Credit Reporting Act ( FCRA ), the result of the misuse of credit reports and personal information creates an undue hardship for consumers. 

My situation began on XX/XX/2022. 

I had submitted a loan application with a local mortgage lender, and got pre-approved. My credit is solid, and my household income allows me to afford a home purchase. 

Following being pre-approved, I was bombarded with solicitation calls and text messages. On Monday, XX/XX/2022 I received about 37 calls from different lending institutions soliciting me for my business. Let me repeat that ; OVER 37 CALLS!! That's insane, and I've never experienced something like that before ; certainly not when I bought my last home. 

I am filing this complaint as a record because I will also be reporting them to the XXXX as well as writing my congress person to speak about change. These companies need to know their place in society, and selling consumer information for a profit is not where they belong.
Product: Money transfers

I used Paypal to request payment using XXXX new features, the " request money feature '' and the " invoice feature '' on XXXX XXXX, 2016. 

Neither I nor the payer were notified of the fees being charged. Paypal alleges that disclosing fees in the FAQ section and Terms and Conditions was adequate, and they could represent the transaction in a way that neither user would pay fees.