23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was a member of Bank of America with a remaining cash balance in my checking account of XXXX dollars in XXXX. During this time, I had lost my job due to covid, so I was receiving unemployment. My live in fianc that shared the same address as me was also receiving unemployment had his check deposited into our bank account. My account was flagged due to having two separate unemployment checks deposited. I as well as my fianc contacted our local unemployment building and asked, they contact Bank of America to verify no fraud had occurred. I contacted Bank of America for two years to be reimbursed from the money they stole from me while still continuing to charge me a monthly maintenance fee out of my remaining funds. To this date, there is a remaining balance of XXXX dollars that they are withholding of my funds and refusing to release. I know this due to a cash advance app that I had my bank account linked to. It sends me periodic updates informing me of my remaining balance in my Bank of America account.
Product: Debt collection

Rash Curtis is attempting to collect a debt from XX/XX/2019. The Practice they state the debt is from is called XXXX, XXXX. 

XXXX is no longer in business. The number they provide XXXX simply leaves forwarding information. The company where the Dr. now works has no previous records of any debt owed by me. 

Rash Curtis sent me what they claimed as verification with {$0.00} owed. 

XXXX had all my information if there were an issue and would have been paid through my insurance via XXXX XXXX XXXX and XXXX XXXX as the Dr. mentioned : XXXX XXXX was covering for my regular Dr . They worked out of the same office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting the method of verification for an alleged bankruptcy listed on my credit file XX/XX/XXXX via certified mail.I received a response from XXXX on XX/XX/XXXX stated they received my dispute and went over the investigation process. I received no results to this matter for over 120 days. I filed a complaint with cfpb on XX/XX/XXXX they responded with a typical message and sent another letter in mail stating the dispute process on XX/XX/XXXX. I have yet seen any results from this investigation I requested a Method of verification and have not been provided that information. My complaint was closed with the cfpb after the company responded. 

I sent a letter to Experian certified mail on XX/XX/XXXX requesting the method of verification of an alleged bankruptcy listed on my credit file. I received a letter on XX/XX/XXXX stating the bankruptcy was certified from a third party. I requested the name of the company who certified this information I received no information. I filed a complaint with the cfpb on XX/XX/XXXX I received a letter in mail stating once again it was certified but they failed to tell me who certified this information as requested 3 times. 

I sent a letter to XXXX certified mail on XX/XX/XXXX requesting the same information as the other bureaus a method of verification of an alleged bankruptcy on my credit file I received no response from the bureau for over 120 days until I filed a complaint with the cfpb. The company did not respond after 30 days and this alleged bankruptcy by law was suppose to be removed due to the no response after 30 days. XXXX sent a letter requesting proof of identification and proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an international XXXX  student at XXXX university. I opened abank account in PNC bank, XXXX, Al in begining of XX/XX/2018, i used the bank depit card for buying some stuff online and paying in super markets correctly. At the beginig of XX/XX/2018 the pnc bank told me that was closed without showing any reasons. I didn't get my monyback till now. I tried to open an account in XXXX XXXX  and applied online for a deposit account, i recieved a message from the bank that my request was rejected due to a report from a Consumer Reporting Agency which is : XXXX  XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ). 
I tried to get what is inside this report but i couldn't. 
The problem now that i want to know what is wrong with me and also i have to open a bank account to recieve my salary on it.
Product: Consumer Loan

I received a letter dated XXXX/XXXX/XXXX from Credit Acceptance in regards to my initial letter to them disputing a credit inquiry that was on my XXXX credit report. They stated that this was confirmed. I never applied for any loan product with company or any affiliates. The inquiry is dated XXXX/XXXX/XXXX. I do not have any loans with them
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Transunion, has violated my rights.

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

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

This complaint will serve as a follow-up to my previous complaint which contains the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$2500.00} XXXX XX/XX/XXXX I want the disputed items to be deleted from my file for their fraudulent status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out XXXX  the credit bureau about several inaccuracies on my credit report. Based on the FCRA these inaccuracies must be validated or removed within 30 days. 

I have not received a deletion nor any documents that I have personally signed XXXX  represent anything validate on my credit report.
Product: Credit reporting or other personal consumer reports

i am a natural person, i am a livng human being. i have right under 15 usc 1681 equifax is goven by 15 usc 1681. and they violated my right numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 i have the right to privacy I did not give experien written permission to furnish these accounts Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My paycheck was deposited in my Capitol one checking account on XXXX XXXX. It is XX/XX/year> and my funds are not showing in my checking account or available for use. When i spoke to XXXX representatives at Capitol one they both informed me the situation would be resolved by end of day XX/XX/XXXX. Bills are set to come out of my account and they will not come out and I will incur late fees
Product: Mortgage

Numerous automatic calls from Wells Fargo Home Mortgage every hour on the hours a day.
Product: Credit reporting or other personal consumer reports

My initial loan were with XXXX XXXX which they went out of business in XXXXXXXX XXXX XXXXXXXX. Westlake financial took over their comstumer loans. I asked Westlake Financial for a copy of original loan that I signed with the company. My loan roughly around {$13000.00} and they added XXXX to my loan without me knowing anything about it. They did not give it to me since I've talked to them on XX/XX/XXXX. They repossessed my car which I paid {$1200.00} to get it back. They blocked me from having access to the account whatever small amount left. I could not pay it. According to their system. My last date for payment was XX/XX/XXXX. They claim I owe {$2000.00} now which doesn't make sense at all. I'm currently talking to a law to make a lawsuit against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This compliant is file against Experian consumer credit report agency. here are the fact American Experian account # XXXX XXXX XXXX office locator in XXXX XXXX FL this is a corporation account have no place on any one personal credit report there was no personal Guarantee to obtain this line of credit for the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX.is a Limiter Liability company ) is a corporate structure in the united state where by the owner are not personally Liable for company 's debts or Liable. Limited Liability companies are hydride entities that company Law state that a business XXXX can not be Legally forced to used personal pony to pay business debt. there is a agency that company can report company who failed to pay there account it call XXXX report agency that who they collect the information from to grant the credit to the company. iam not personal responabile for company debt, but Experian just let anyone place neg information on any one credit they did follow the rule.
Product: Credit reporting or other personal consumer reports

I have discovered errors in my credit report tied to 15 USC 16c-2. The inquiries are not authorized by me and are negatively impacting my credit. Please remove them. Thank you!
Product: Mortgage

Bank of America and XXXX XXXX have withheld information that allows me to sell my property. They have demonstrated predatory practices and should be held accountable to the fullest extent of the law. Although I have made several calls to Bank of America, they have intentionally withheld information about the sale of my mortgage to XXXX XXXX. In addition, XXXX XXXX has delayed and continues to withhold information from me and the title company stating they can not share information over the phone. Furthermore, they require me to pay for documentation or receive it via mail, intentionally delaying sale my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

The initially disputed XXXX charged-off account with a current {$0.00} balance had a balance of {$7400.00} and was reduced to {$0.00} and claimed to have been paid in full after charge-off for a reduced payment after the account was disputed with XXXX and Transunion. This charge-off being reported by XXXX was transferred and paid in full under my XXXX XXXX account by another banking institution. The actual loan which is listed under the XXXX XXXX account clearly shows this in my TRANSUNION credit report. I have never paid so much as a XXXX on this charged-off XXXX duplicate account. Transunion does not show the amount of this alleged recent payment nor do they report the date this alleged payment was made in my payment history. I have reviewed my credit report on the phone with multiple Transunion reps pointing to this transferred and paid status to no avail. 
I havenow received investigation results from TRANSUNION under File # XXXX stating that the disputed {$0.00} charge-off listed under my name, address, and social security number was updated with as PAST DUE STATUS and verified as accurate. An alleged {$0.00} balance is now reporting as past due. I have issued a Method of Verification to Transunion for this reporting and have yet to receive a response which they are required to submit within 15 days under the FCRA. 
Transunion refuses to do an independent investigation where even a simple phone call to XXXX would confirm that I have never opened a note loan under the duplicated account listed as XXXX. Instead, Transunion continues to rely on unreliable electronic verifications, coupled with a failure to provide a Method of Verification to their inaccurate findings. I understand that the CFPB does not litigate disputes and is simply a means to file complaints against what a consumer views as a Federal and or State offense. This complaint is written as an attempt to correct the reporting to avoid litigation with Transunion and XXXX.
Product: Credit reporting or other personal consumer reports

The following inquiries were not authorized by me and/or I do not recognize the account : XXXX. XXXX XXXX XXXX on XX/XX/XXXX by TransUnion XXXX. XXXX XXXX on XX/XX/XXXX by TransUnion XXXX. XXXX XXXX on XX/XX/XXXX by TransUnion XXXX. XXXX XXXX XXXXXXXX on XX/XX/XXXX by TransUnion XXXX. XXXX on XX/XX/XXXX by XXXX XXXX. XXXX XXXXXXXX on XX/XX/XXXX by TransUnion XXXX. XXXX XXXX on XX/XX/XXXX by TransUnion XXXX. XXXX on XX/XX/XXXX by XXXX XXXX. XXXX on XX/XX/XXXX by XXXX XXXX. XXXX XXXX on XX/XX/XXXX by TransUnion XXXX. XXXX XXXX on XX/XX/XXXX by XXXX
Product: Credit reporting or other personal consumer reports

Hard Inquiries 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am refilling the complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Debt collection

I called XXXX XXXX XXXX XXXX to verify why is this on my credit report i never lived in ohio and its affecting my credit they wanted my ceedit card information and i refused they started cussing me out on the phone I realized this is a scam and they do not want to remove this off my credit
Product: Credit reporting or other personal consumer reports

Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX but it is incorrectly listed as [ Incorrect Name ] on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, while my credit report shows an outdated address of [ Old Address ]. I request that my current address be updated accordingly. 


XXXX. Incorrect Date of Birth : My Date of Birth is XX/XX/year>. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Debt collection

After review of my Early Warning Services report. I noticed that there was a derogatory account that is the result of identity theft. I contact the company and requested a copy of the original contract that still wasnt been provided. Early Warning Services advised that the derogatory account was verified without employing any proper verification procedures or investigation.
Product: Vehicle loan or lease

Exeter finance has refused to repay {$7000.00} in overcharged interest to myself after invoking my SCRA rights. they are instead set on putting that towards the principal of the loan, violating federal SCRA. i have tried to contact them regarding this and explaining that is in violation and i am repeatedly told it is policy
Product: Money transfer, virtual currency, or money service

I was scammed into sending someone {$800.00} for a puppy deposit there was never a puppy they just scammed me out of my money as soon as the payment cleared they disappeared and so did their website and I requested a refund I also tried to cancel the cash app transfer but it was too late I told them I had all the text messages for proof they don't want to hear nothing
Product: Payday loan, title loan, personal loan, or advance loan

I was on XXXX  trying to book one using Klarna. I kept getting an error. This occurred XXXX XXXX XXXX. I started speaking with a representative and he told me to try booking something and screenshot the error I get. But this time when I tried booking, it actually went through, but it wasnt for the XXXX  I wanted. Told the rep. He didnt do much, but got a supervisor. Reached out to the host TWICE. Only thing he kept saying was no refunds. I called XXXX XXXX  several times and was told to pay the first installment and then they would be able to cancel recurring charges. Which apparently was a lie. All together it was XXXX. One supervisor on XXXX  told me to cancel it and get 3 something back & shell credit one hundred something. So all together four hundred and something went towards the amount on Klarna. I reached out to Klarna. They couldnt do anything. Disputed it with XXXX XXXX  they did a temporary credit but now saying theyre going to take the money back. I did NOT stay here. I stayed at the XXXX XXXX. I literally tried canceling the booking as soon as the transaction went thru. No one will help me! I paid XXXXXXXX  so far. But its over 5 hundred left. I dont think its fair to pay something where I never even stayed. Theyre still trying to make me pay monthly installments or let it hit my credit! I have receipts for everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} ; XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXXBalance : {$840.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX Balance : {$5500.00} ; XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$270.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> Equifax XXXX, GA Subject : Formal dispute regarding inaccurate information on my credit report. 
Dear Equifax I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. i am aware of my rights under the Fair Credit Reporting act and request a thorough investigation into these inaccuracies as required by federal law. 
Recently the consumer Financial Protection Bureau filed a lawsuit against Equifax for it's failure to properly investigate consumer disputes citing " sham investigations '' and other unlawful practices. These practices outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly, reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively, These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports.
Product: Credit reporting or other personal consumer reports

XXXX is reporting a charge off form XXXX XXXX that is past the statute of limitations in my state and in violation of the USC 1681 2 ( a ) ( 1 ) and USC 1681 s2 and USC 1681 a. They have no right furnishing my personal experieence with outside CRA without my prior autorization. this is a vilation of my Consumer rights. Also XXXX XXXX is repeatedly harassing me with settlement offers, emails, and phone call even after the statute of limitations has passed in my state which is a grave violation of the FCRA and the FDCPA.
Product: Mortgage

I do not know the company. Through security questions concerning my credit. I'm trying to rent to own my first new home. Through these questions I found XXXX insurance taken in a poe, jackel, clod,  blunder animal. There was also a mortgage taken in my name on XX/XX/XXXX and I've seen one for XX/XX/XXXX for between {$950.00} to $ {$2200.00}. I came to this knowledge through XXXX   saying it's in their records. Credit bureaus only show each year report, but, this clearly shows it stays on record even if it doesn't show on each years report. Someone help me find who is committing identify fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of approximately 143 million people whose credit information used by Equifax was stolen over a 2- month period. This is the largest data breach in consumer history and has impacted 143 million individuals. Why did it take Equifax almost 2 months to discover they 'd been hacked? How many new identities will be established as a result. And why did Equifax officials sell their stock prior to the public release of the hack?
Product: Checking or savings account

I contacted XXXX by Goldman Sachs on XX/XX/year>, at XXXX XXXX and XXXX XXXX. They informed me that my account was locked but refused to explain why. I followed up later that evening at XXXX XXXX  and spoke with a supervisor, who stated that the account was locked due to the addition of an external account not in my name. This account, however, belongs to my XXXX, XXXX XXXX, a XXXX XXXX account, which I was willing to verify. 

The previous XXXX claimed that my phone number didnt meet their verification criteria but refused to disclose what those criteria were. The supervisor then told me she had unlocked my account, but I was unable to log in the next morning. 

Despite my persistence and receiving verification codes on XX/XX/XXXX at XXXX XXXX  ( code : XXXX ) and XX/XX/XXXX at XXXX XXXX  ( code : XXXX ), XXXX still insisted that my account was not verified, even after confirming my date of birth, social security number, and secret word. When I asked if I could submit electronic verification using my passport or green card number, my request was denied. 

On XX/XX/XXXX at XXXX XXXX, I was advised to call back later that night to speak with a supervisor. I did so at XXXX XXXX  the next morning, yet again, XXXX would not clarify why my phone number, social security number, date of birth, and secret passcode were insufficient for verification. They claimed they left a voicemail detailing the hold on my account on XX/XX/XXXX, but I did not receive any voicemail. 

Please contact XXXX by Goldman Sachs to address this issue.