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

Just paid off an account with this company. Reapplied and was approved then seemingly denied for an inability to verify my identity ( after submitted a REAL ID - state issued, with current info matching all 3 credit reporting agencies ). The adverse action letter didnt specify what information could not be verified so that it could be corrected which violates FCRA . Furthermore, I had to agree to have my personal information and biometrics provided to XXXX ( a 3rd party verification company ) that would keep this on file for 3 years. 

I called and spoke to XXXX XXXX who wasnt able to provide me with any information regarding this so that it could be corrected and advised to reapply ( with the same info ) in 30 days perpetuating the existing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information listed on my Innovis Consumer Report # XXXX is fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX XXXX : XXXX and XXXX XXXX XXXX : XXXX. I never had an account with XXXX  or XXXX XXXX XXXX. Both accounts are fraudulent. The Credit Inquiries and Requests Orhers Can See : XXXX XXXX XXXX-CR, XX/XX/2019, is a fraudulent and unauthorized credit inquiry. The Credit Inquiries and Requests Only You Can See : XXXX XXXX XXXX XXXX, XX/XX/2019, XXXX XXXX, XXXX XXXX  XXXX, XX/XX/2019 and XX/XX/2019, are both fraudulent and unauthorized credit inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a complaint to credit Karma regarding account. This has not been reported as the bank account associate with XXXX XXXX stores has filed bankruptcy. There has been calls as many as XXXX times in XXXX day, and back to back recalls from the bank, Requested contact via mail yet calls continued. Dispute was completed for credit report. Information was successful removed. It is now reporting with different date of opening account,
Product: Checking or savings account

On XX/XX/2019 I deposited my payroll check into my Bank of America checking account. Since it was a new payroll check, I wanted to know if there would be any holds ; teller instructed no, stated that funds would be available midnight on XX/XX/XXXX. On XX/XX/XXXX, I checked my account and there was an additional 10 day hold placed on my check stating funds would not be available until XX/XX/2019. I telephoned customer service and was told that my check had to be verified by my employers bank. I was told to talk to my employer. Spoke with my employer, who contacted XXXX   XXXX XXXX  XXXX, their bank, and was told that they would contact the bank. I attempted contacting Bank of America and was told 5 reps later that their verification process was online only and that they could not receive a call from the jobs bank. My job gave me a copy of the payroll check to show that it was cashed and verified by Bank of America. I walked into a branch to furnish proof that they had the funds and was told that there is nothing they could do and that no one could release a hold. As a result of this, my account is in the negative because my household bills hit. I have incurred overdraft fee 's and I have an XXXX XXXX XXXX son to take care of with no money. All of my bills have bounced and are late. Every bill I have is late because they will not release my check due to their error. By the time they release my check, I will be getting paid again.
Product: Checking or savings account

My husband and I visited Bank of the West XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ) to open CD on XX/XX/XXXX. We discussed with the banker about a CD, the interest and I remember my husband asking about the cancellation penalty. He said " There will be no penalty, if we give a 3 months advance notice. If you want to cancel immediately, the penalty will be 3 months of the CD interest. '' Unfortunately we were not given any documentation. We opened the {$130000.00} CD on that day. After 3 years and 7 months, we needed the funds immediately. So I flew to US for 4 days to release our money, visited on XX/XX/XXXX and explained what the banker told us and what we had agreed upon when bought the CD. The manager did not check any documents or even say he would look into it or ask for the the name of the person we talked to and then said to me " It's a he said, she said situation. '' and that there was nothing he could do about it. I came back to XXXX and told my husband what had happened and he wrote to the bank manager, however it looks like the the bank has no intention to find out the truth.
Product: Prepaid card

I received an Amex eGift Card. This includes an email You have received an American Express eGift Card from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXXaccount and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Images attached show transaction was attempted as per the {$0.00} transaction but it was required by XXXX for a backup payment to be used after various attempts at reloading the Amex gift card. 
Many people have reported having this problem starting this past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX certified to experian a collection account that was not mine. this is fraud. they collected my personal insurance information at the time of service, refused to bill them and then sent me to collections with no notification. This is a direct violation of the FCRA. XXXX and Experian are allowing them to do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth 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 alleged fraud or extortion XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$17000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor Name XXXX XXXX XXXX XXXX ) XXXX  Balance {$720.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. These are the accounts that I have marked as inaccurate. ( XXXX and XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 Hey hope all is well I ask the Credit Bureaus XXXX, XXXX and Equifax to do and verification on everything on my credit report and they did they stated that everything was accurate. I did my own research and I seen that I have an collection account on my credit report being reported inaccurately with : XXXX XXXX XXXX account Number : XXXX The account is being reported on my credit report inaccurately and I all I ask is that the Three credit bureau removed the account please and thanks. In accordance with the Fair Credit Reporting act XXXX Accounts, 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
Product: Credit reporting or other personal consumer reports

I am writing to express my disappointment regarding the lack of response to the disputes I submitted to XXXX, Equifax, and XXXX. I identified inaccuracies in my credit report, listed the accounts, and detailed the violations under the Fair Credit Reporting Act. 

It has been over 30 days, and I have not received any response. Attached are copies of all letters sent. 

Please investigate and correct these inaccuracies promptly.
Product: Debt collection

I have an account with Wayfair and fully paid my balance. Now they sold my account to a different account without my written agreement. If I owe this money, I want the original purchase agreement, payment history and my signature agreement to sell out my account to a third party?
Product: Debt collection

I received a letter from MCS Claim Services ( see attached if possible ). I called to see why insurance didnt resolve this. They were being very rough with me on the phone so I calmly asked them to calm down and they slammed the phone on me. I believe that this claim wasn't correctly processed through both my primary and secondary insurances. I would gladly pay any balance after I have received written confirmation that both insurances processed the claim. The reference # from the Claim Service is XXXX. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

This was included in my Chapter XXXX Bankruptcy United States Bankruptcy Court - District of Kansas XXXX US Courthouse XXXX XXXX XXXX XXXX, KS XXXX Case Number XXXX - XXXX Open date XX/XX/2011 Vehicle Loan XXXX XXXX XXXX XXXX Account number XXXX " Bankruptcy Petition Fixed Rate '' No longer liable for this item
Product: Credit reporting or other personal consumer reports

I have been trying to contact this debt collector to get information that was signed between me and the company no contract has been provided stating that I am the owner. 

XXXX XXXX  has been harassing me about the charges. 

According to the Fair Credit Reporting companies must provide accurate information when reporting credit.
Product: Credit reporting or other personal consumer reports

In accordance with the fail credit Reporting act Account # XXXX, has violated my rights. 

I understand that according to federal law 15 U.S. code 1631 ( 2 ) ( A ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eqiufax XXXX XXXX Are in violation from reporting information on my consumer credit file 15 USC 1681 602 A, N, I 15 USC 1681 604 15 USC. 1666 B 15 USC. 1635 N Multiple soft inquiries on the consumer report. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing because I disputed accounts with the credit agencies due to them being inaccurate or my rights being violated. In the document section I will send in the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Open Date XX/XX/2016 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

On Saturday, XX/XX/XXXX at XXXXXXXX XXXX I received a citation from a gentlemen my children answered the door and my husband approached him stating that he had a package that required my signature only there was no packaged and provided me with a Justice Court Citation document with Docket Number XXXX issued by TD Bank USA, NA regarding a XXXX  Credit Card. Sending someone to my home was unacceptable and the delivery person said this was in reference to a Debt in front my my daughter and overheard by my brother in law which is a privacy issue. On Monday, XX/XX/XXXX I sent an email to the court advising them that I had received this document that I was being sued by TD Bank and asked them how do I respond as the document stated that I could have a Judgement placed for no response. The court advise the email I sent was valid to serve as my response. I then replied to the court on XX/XX/XXXX requesting information on a payment arrangement or information as to who is handling the account as I am unable to pay the full amount they requested. The advised that they were not allowed to give information and to contact the Attorney. I sent them an email that afternoon at XXXXXXXX XXXX to XXXX requesting the information and received no response. I am only dealing with them in writing and want information as to which debt agency is handling this account so that I can setup payment arrangement to avoid a Judgement as I feel that I have responded to them in a timely manner. In addition, they violated privacy rights by telling me in front of my home where other 3rd parties could hear that this is in reference to a Debt. This is threatening tactics and there are no signatures on this document this is a violation of the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I have been trying everything to keep my information safe and XXXX has not been helpful. I am a victim of identity fraud, my information was also compromised in the data breach, I have frozen my report and removed as much of my information as possible but yet, I am still responsible for all of these unauthorized inquiries which is heavily impacting my life. I have asked for proof on how the inquiries were made and have not received any documentation or any of the XXXX inquiries on my report. This is a violation of my constitutional and consumer right.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Dispute once again submitted non XX/XX/XXXX completed on XX/XX/XXXX Confirmation number : XXXX that very dispute had every single credit card statement attached in the dispute ( 20+ PDFs ) detailing payments made XXXX how much etc. attempting to get this account once again reporting accurately as its only reflective of 16 months on an account over 24 months old. Not only did you not update the account it states it was updated yet its not. 

Ive stated now at least 10+ times theres issues wuthin equifax side of things causes information to get deleted as Im about to show you in tbe strach document how this accounts reflects month to month. But since XX/XX/XXXX this very issues has been ongoing whuch Ive spent countless hours submitting request via disputes to fix this. Ive requested your assistance multiple times which had never been provided or even had the team who works escalated tickets reach out to me via email as I was told. ( Given an escalation number- XXXX back in XX/XX/XXXX Thsrs never been addressed )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continually made disputes with XXXX, Experian and XXXX concerning the numerous

names and address attached to my credit report. I have sent them verification of my name via social security card and proof of address via driver license and current mail. I have never applied for credit under any of the names or address 's they have listed. My fear is they have my credit report merged with someone else who has the same name or close too.
Product: Debt collection

I lived at this complex for 5 months and they are now trying to collect money for damages I did not do. The only damages to this unit is the damages I constantly complained about and was never repaired. There is no truth to this whatsoever. I should not have had any of these issues for the amount of money you pay for these overpriced projects and all the outrageous fees they tack on to the base rent. How can people survive paying excessive fees which is always {$100.00} plus more dollars a month. I just can't and will not reside under these conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$140000.00} OPEN {$140000.00} XXXX $ XXXX {$130000.00} XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$76000.00} OPEN {$60000.00} XXXX $ XXXX {$60000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX, XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX XXXX you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX XXXX that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my Experian Status and noticed there was a new name associated with my account that may have been linked to previous house we owned in XXXX, NV. 
I am not this person and would ike to have them removed from my Credit Report / History. 

Please advise how I can correct this with the Credit Reporting Companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone, who I believe to be named " XXXX '' ( her name, bills and employment history were on my credit reports ) applied for both PayPal and Amazon credit cards in my name through Synchrony Bank on three different occassions. On XX/XX/XXXX and XX/XX/XXXX, XXXX separate Synchrony PayPal inquiries appear on my credit report. On the XX/XX/XXXX PayPal credit inquiry, a very extensive credit check was done including my checking account info through XXXX XXXX, a Supplemental Consumer Credit check through XXXX  along with a XXXX XXXX XXXXs search which brought up a piece of real estate I own. On XX/XX/XXXX, a credit inquiry for Synchrony Amazon also appears on my credit report. I have tried several times to have these three fraudulent application inquiries removed from the big three credit bureaus as they are not mine. All disputes have come back as verified. I was told to call Synchrony Bank by one of the bureas which I did XXXX, XXXX. After speaking to XXXX in the fraud department, I was made aware there were 2 Amazon applications performed on the XX/XX/XXXX inquiry date, 1 application approved for a prepaid card and the other was denied. She said she would immediately cancel the open prepaid account and then transferred me to XXXX XXXX XXXX '' in the underwriting ( I believe ) department. After spending almost 2 hours on the phone with Synchrony Bank, XXXX gave me a separate claim number for all 4 credit inquiries as well as a single claim number for the 4 total. He told me it would take 60 days for the inquiries and supplemental information to be removed from my credit reports. This information still remains. I have received two separate letters from Synchrony Bank stating the fraudulently opened prepaid Amazon card had been closed. I have since disputed these inquiries with the credit bureaus and they still come back as verified. Since the three Synchrony PayPal and Amazon inquiries remain on my credit reports, I called Synchrony Bank again on XX/XX/XXXX. I didn't get the woman 's name but was told I would need to give them another 60 days for removal of the fraudulent inquiries.
Product: Credit card

I was two days late paying my American Express card bill. They charged me a late fee of {$27.00} plus interest of {$86.00}. That much I can accept. However, I paid the next statement on time, and they charged me an additional {$90.00}. They call this " trailing interest '' and say this is in their cardholder agreement. {$200.00} for being two days late seems excessive. I feel cheated, especially since my payment record has been otherwise perfect since 1999. My FICO score is more than XXXX.
Product: Checking or savings account

A letter from Huntington Bank dated XX/XX/XXXX was sent to me saying a checking account was opened in my name. I called the bank on XX/XX/XXXX inquiring about the account and they closed the account the same day. XX/XX/XXXX I contacted the credit bureau and froze my credit report from being pulled. A letter from Huntington dated XX/XX/XXXX was informing me that a XXXX XXXX tried to withdraw {$1500.00} from the fraudulent checking account. The withdrawal was denied.