23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I was involved in accident last XXXX. Someone rear ended me and took off. My vehicle was totaled and i was XXXX  after a week and ended up with XXXX XXXX. Mean while i was making my regular monthly payments. 
The insurance paid portion of my vehicle and over XXXX $ left on me. The Bank of America pushed me to pay the remaining balance in 60 days since the vehicle was totaled. I explained my situation and told them I do pay every month. They said Not enough you have to pay it off. 
I said i m in hospital and had XXXX  I dont have XXXX $ to pay it off but I never missed any payments. They didnt care about my situation and after 60 days day. They charged off and send it to their recovery department and I lost over XXXX of my credit score. 
Its not fair. I made a call and they set the same payments as payments plan. 
While i was explaining my situation. 
She said different police and she said you had paid it off in 120 days instead of 60 days. 
Which I could do something. 

Now I am asking you to fix my credit score which I XXXX  it 8 years. And Bank of America messed it up. 
Even if there is any documentation required regarding my accident and situation I can provide it from my Attorney. 
Please make to them to fix my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX   XXXX  XXXX  # XXXX {$7600.00} XXXX XXXX  XXXX  # XXXX {$310.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX Transunion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX  XXXX  XXXX  # XXXX {$7600.00} XXXX XXXX  # XXXX {$310.00} Inquiries : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX XXXX XXXX # XXXX {$7600.00} XXXX  # XXXX {$310.00} XXXX XXXX XXXX XXXX   # XXXX {$190.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with XXXX 's investigation. I have already addressed this issue to XXXX but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : EQUIFAX MORTGAGE SER Inquired on XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX To Equifax, XXXX   and XXXX, DELETE XXXX XXXX   XXXX because of multiple inaccuracies. 1. In the account number sections of this listing their are 3 different account numbers reporting. XXXX is  reporting XXXX as the account number. XXXX   is reporting XXXX as the account number. However Equifax is reporting XXXX. These account numbers are inconsistent. 2. In the Last Payment section of this listing. XXXX and XXXX is reporting XX/XX/2018 for last payment made. However, Equifax is reporting XX/XX/2018 as the last payment date made. These dates are inconsistent. 3. In the Date Opened section of this listing. XXXX and Equifax is reporting XX/XX/2018 for date the account was opened. However XXXX is reporting XX/XX/2018. 4. This is a closed account that still is reporting current activity on it. How could this be. Dont you get your reporting from the same company? Please Delete
Product: Checking or savings account

On XX/XX/XXXX, around XXXX XXXX, I received a phone call from Chase Bank asking if I agreed to a {$4700.00} payment. I told them that I had not agreed to anything, and the caller said that if I provided my detailed information, they would cancel the payment. I went ahead and provided my detailed information just to be cautious. Later, I called the bank directly just to make sure. The bank informed me that while I had not given consent, another co-signer, who happens to be my wife, had agreed to the payment. It is impossible for my wife to have agreed as she does not speak XXXX. The bank mentioned that they would conduct an investigation, but the outcome of the investigation was that they could not refund the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this CFPB Complaint to delete the following fraudulent information reporting in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with the Credit Bureaus pursuant of the FCRA Section 605b. Once again, I need the following items deleted as soon as possible ; XXXX XXXX XXXX XXXX, MO XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$350.00} XXXX date of inquiry XX/XX/2021 XXXX date of inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

I appreciate your efforts to remove some erroneous items from my file, but there are still remaining items that need to be addressed. I am a victim of issues caused by inaccurate credit information. According to the Fair Credit Reporting Act, Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within four business days. The required documentation includes 1 ) Proof of my identity ; 2 ) A copy of an identity theft report ; 3 ) Identification of the erroneous information by me ; 4 ) A statement from me confirming the information is not related to any transaction I made. The following items need to be removed due to inaccurate credit reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If you believe these items are accurate and verifiable, please provide copies of any documents bearing my signature, as I am confident none exist. If you can not find a signed agreement, these items must be removed from my file. Please ensure the removal of these erroneous items within four business days. I do not consent to E-OSCAR or any automated verification methods. I expect your prompt attention to this matter and a response within the specified timeframe.
Product: Debt collection

I submitted a debt validation letter to the WAKEFIELD AND ASSOCIATES collection agency in XX/XX/2023. The purpose of the letter was to request verification of the information regarding a medical debt. 
Unfortunately, despite the considerable time that has passed since my initial request, I have not received any response from this agency. To ensure transparency and provide evidence of my previous communication, I have attached both a copy of the original debt validation letter and the receipt of the certified letter that was sent.
Product: Credit card or prepaid card

I just took a look at my credit and noticed that I was being reported as being late on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I just looked through my records and do not recall ever having a late payment with your company. I am not sure if this is some sort of computer error but I have always paid on time and usually before my due date which is why there are no other late payments than this one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX XXXX 2019, a comment " Account information disputed by consumer, meets FCRA requirements '' was added to our mortgage. Subsequently it lowered our score by double digits just as we were looking to finance the purchase of a new automobile. No account information was ever disputed. We had asked that they provide the correct address to our insurance agent because the previous one was not valid and led to the premium not being paid on time from escrow. ( see attachment " Untitled.jpg '' ) This issue began after the account was transferred to the servicer and the company failed to notify us that they did not have the policy information. A three-way call between the mortgagee, servicer and agent was necessary ensure the servicer provided the correct information then paid the claim out of escrow. 

We went through this bizarre issue just last year last year when another comment lowered our score as the property was designated as " Affected by natural disaster '' when no such insurance claim or official government designation was made. ( see attachment " Untitled 001.jpg )
Product: Credit reporting or other personal consumer reports

I have to once again request assistance on getting the credit bureau for the lack of update on balances and credit score. It hasnt been updated since XXXX after I made a complaint through here to get help on update. I had balances changed on one of my credit cards yet it was not recognied by the other bureaus. 
I rely on the update credit score to recieve my student loan so I need Transunion and Equifax to update their information. XXXX does a great job updating monthly. However, I realy this information updated urgently because I Must apply this week before the weekend if I want an update by tuesday. It's frusting how they dont update their information sooner.I even asked what I can do to make sure its updated sooner without submitting complaint and there was no clear answer. please help with credit information update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a member of the government shut down, I asked that late payments be removed due to that fact. Comenity Bank denied my request and closed my account after I paid it off due to having another past-due account. The bank sold the account to a third-party company ( XXXX XXXX ) that keeps putting the debt on my credit as well as the bank. It says the account was opened XX/XX/2017 ( 1 yrs, 9 mos ), I never signed any contracts with XXXX XXXX.
Product: Checking or savings account

I bought a New Product called XXXX through XXXX XXXX. This was back in or around XXXX XXXX  2022. I immediately Reported to my Bank when I realized I had not Received the amount of dollar value I purchased. The points are there in XXXX, but the dollar amount is not there. I bought {$1100.00} worth of Merchandise Points and my Merchandise Points Value is only worth $ XXXX {$500.00} in XXXX XXXX. My Banking Company USAA is not fixing the Problem. This is after at least one employee understands the Situation and says I am Correct in asking for USAA and, or XXXX XXXX to Refund my money and Refund my Purchase. Now almost a year later and after trying to make 4 Disputes with USAA one Dispute after another Dispute. Nothing has been Resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Years ago I had a sears credit card.Sears went out of buisness and I assumed the account was closed.The sears credit card was through citibank north america.Then, for some reason, I ended up with a shop your way card from citibank that showed up on my credit reports.I never signed up for a shop your way card through citibank nor did i ask for my sears card to transfer over to shop your way card.I never asked for a increase for credit for shop your way card or ask citibank to reopen the shop your way card when they said it was denied.Citibank needs to provide proof that i signed up for a shop your way card or asked to reopen or increase in credit.Never had a option to opt out as well.On XX/XX/XXXX at XXXX I called customer service and spoke to " XXXX  '' ( # XXXX ) and she stated she doesnt have any paper work and cant provide any paper work to me. 

card number ... XXXX member since..XX/XX/XXXX valid thru ... .XX/XX/XXXX account closed on ... .XX/XX/XXXX or XX/XX/XXXX
Product: Credit reporting

There was a hard inquiry on my transunion credit report that I did not authorize. It is from in XXXX XXXX, FL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XXXX of 2023 there was XXXX medical bills supposedly owed to XXXXXXXX XXXX XXXX and professional collector corporation was collecting for them that was on my XXXX report. The bills couldnt be validated so they were taken off my credit report. So Equifax took one of the bills that was dated XXXX this one was already disputed and removed since it couldnt and wasnt validated. Theres another bill XXXX for XXXX again this bill was fake as well since I havent been to any part of XXXXXXXX XXXX XXXX for at least 5 months. The last time I went to XXXX was when I had a cold back in I believe it was XXXX of this year. Equifax decided to take these bills without varifying each of these bills. Then Equifax dropped the XXXX bill for XXXX. Equifax still left the other bill on my credit report for XXXX. This bill is false. There needs to be action taken since they must have gotten some type of kickback to take the chance of getting a fine by the ftc. I will make a complaint every single time they say XXXX  has done nothing wrong and keeping a fake bill that is not verified on my credit report. So until someone does something I will just keep making complaints against XXXX, XXXX  and the credit bureau if I have to.
Product: Credit card

Question about a reward and policy regarding reward redemption and a potential misleading / deceptive item. First call on XX/XX/2023, second on XX/XX/2023. Both times was promised a callback from a supervisor to support resolution within 24 hours. Neither time did anyone from American Express attempt to reach out or fulfill the commitment to have a supervisor call to help resolve issue. And after two unsuccessful attempts to resolve, and no return phone communication despite direct promise from both service reps to have a return call, decided to escalate to a complaint.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681. 

XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX MISSOURI, # XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any Consumer Report containing any of the following items of information or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has some reasonable cost to believe that the information is inaccurate.
Product: Checking or savings account

Informed in XXXX to close my account funds frozen for 90 days. 
{$6500.00} It s been 700 days, The funding status has been pending. 
The email has not been answered, and the customer service phone can not be dialed in. 

I waited a long time until I got another email alert, After a comprehensive review of your account, we have determined that we are still unable to process payments for your business. Our decision to deactivate your account is final. 

We understand that it can be frustrating to have your account deactivated. However, due to security concerns and the obligations of our agreements with card networks and other financial institutions, we can not provide additional details. 

For more information about our policies on this matter, please review sections 12 and 13 of our General Terms of Service. 

These terms apply to merchants who register with Square on or after XX/XX/XXXXXXXX XXXX and I registered and froze in XXXX
Product: Checking or savings account

BofA Claim ID : XXXX Claim Submitted on : XXXX XX/XX/year> Claim Amount : XXXX The amount was charged by XXXX Account which was inactive and orders were cancelled. I was notified in app that I will get my refund amount in next 3-5 Business days. Neither I can access that account nor I can get updates on refund. So I filed a claim with BOFA in XX/XX/year> and since then I have not received my money back or any communication regarding that claim. What should I do to get my money back
Product: Debt collection

I received a collection letter from Fair Collections & Outsourcing for {$13000.00} for an apartment rental at XXXX XXXX, XXXX XXXX XXXX. I spoke to the collection rep and they were advised that I didn't pay rent and they would not provide me any additional information in regards to the this rental. They did provide me with a email address to request paperwork for fraud. I reached out to the XXXX XXXX and the person I spoke to would not provide me any information, including their name, and they referred me back to the collection agency. I filed a police report with XXXX XXXX Police department and I contacted my attorney. XXXX XXXX did not and would not help me in disputing this with their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX  closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I filed a complaint disputing information on all 3 of my reports ( ID XXXX, XXXX, and XXXX ). As of XX/XX/2023, little to no information has changed. In fact, 2 of them are still open. 

Also, in accordance with 15 USC 1681b : ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

AS WELL AS 15 USC 1681c : ( a ) Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

I have NEVER given my consent for any company to report to my credit report, nor do these reporting agencies legally have the right to be reporting negative information to my report. Do to the fact that there is STILL such and abundance of negative information being reported to my reports, I have been denied employment, and the ability to acquire credit. 

As a final mark against them, my XXXX, XXXX, XXXX XXXX XXXXXXXX files have all been locked ( see attached ), so how these agencies verified any information if subject to question.