23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

During the XXXX financial meltdown I had XXXX properties, XXXX primary residence and XXXX rental and all mortgages where with XXXX. I filed for bankruptcy in XXXX. The primary residence was sold via a Short Sale and I was able to SUSTAIN by curing the mortgage deficiencies on the rental property, which is an ACTIVE MORTGAGE with XXXX and has been in place since XXXX I have been informed by XXXX that EXPERIAN has an IN-HOUSE POLICY to delete ALL Mortgage History on a Mortgage that has a bankruptcy tied to it, thus in effect VIOLATING MY 5TH AND 14TH AMENDMENT RIGHTS AS WELL AS VIOLATING THE FEDERAL CREDIT & REPORTING ACT. 
EXPERIAN IN-HOUSE POLICY FLIES IN THE FACE OF PUBLIC POLICY. IT IS DAMAGING MY FULL CREDIT MARKETABILITY. XXXX has informed me that XXXX as well violated my 5th and 14th Amendment Rights by NOT reporting my ACTIVE MONTHLY MORTGAGE PAYMENTS during the time of bankruptcy filing and bankruptcy dismissal and did not RESUME my ACTIVE MONTHLY MORTGAGE PAYMENTS TO XXXX UNTIL XXXX, WHICH MEANS ALL OF MY MORTGAGE HISTORY HAS BEEN WIPED OUT AND DID NOT RESUME UNTIL XXXX. 
EXPERIAN IN-HOUSE POLICY HAS FAR REACHING RAMIFICATION AGAINST ALL CONSUMERS WHO MAY HAVE FILED BANKRUPTCY AND WERE ABLE TO HOLD ON TO THEIR PROPERTIES, THEIR MORTGAGE HISTORY SHOULD NOT BE WIPED OUT COMPLETELY AND EXPERIAN SHOULD STOP VIOLATING CONSUMERS 5TH AND 14TH AMENDMENT RIGHTS! MY CREDIT WORTHINESS HAS BEEN DAMAGED!
Product: Credit card or prepaid card

Late afternoon XX/XX/XXXX, I received an e-mail from Bank of America that my credit card bill had not been paid because they were unable to withdraw funds ( {$10.00} ) from my Pay From account and that my Bill Pay service had been suspended. I was confused because I had accessed my account online just two days earlier and the web site indicated that payment had been made. I immediately called the number provided in the message and found that the bank had  attempted to withdraw funds from an account I had closed XX/XX/2015 rather than my current account. I don't know how the error occurred, but I was able to correct it over the phone and authorized payment of my bill from the correct account. 

The Bank of America employee told me that I would not be able to access my account for a couple of days while my Bill Pay service was reinstated, but that there shouldn't be any problem. He said that I would see an entry showing the original payment from the incorrect account had been reversed and that a new payment had been withdrawn from the correct bank account. I was informed that there would not be any additional charges or fees when I inquired about that possibility.

When I was once again able to access my account, I found, contrary to what I was told, that I was charged a Returned Check Fee ( {$10.00} ) and interest ( {$1.00} ). Over the last two weeks, I have repeatedly tried to contact Bank of America using the phone number on my credit card and one that they provide on their web site for service and have not been able to reach an agent no matter what combination of responses I give to their automated system. While the web site has automated means for disputing purchases, there is no means for addressing issues with fees or interest charges, and there is not means of e-mailing them the details. I have also been unable to find any information about how I might contact them by the U.S. mail.

I have made a good faith effort to get this problem resolved, so I am asking the CFPB to intervene and compel Bank of America to contact me so this issue can be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry that is fraudulent somebody else did it. I didnt do it its not mine. The inquiry is FB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The phone number is XXXX. Just wont report it in XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Last XXXX my student loans were transferred from Nelnet to XXXX for PSLF. Nelnet is still showing open accounts on my credit report with still having a balance for student loans that have been forgiven.
Product: Debt collection

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect or delete this account from my report.
Product: Checking or savings account

I have twice tried to make a change to one of my accounts with Great Western Bank. I need to change my money market account ending in XXXX to their " Basic Savings '' savings account. 

I originally made this request on XX/XX/18 by secure message while logged into my Great Western Bank profile. I received a response from the bank that my request would not be accommodated and was instructed to either visit a branch location or call their customer service number by phone. 

I next tried to make this change by calling their customer service number on XX/XX/18. I was told my request to make this change would not be accommodated and that I needed to visit a branch. 

I bank online. I am a XXXX XXXX. I work Monday-Friday from roughly XXXX XXXX until XXXX XXXX. I do not have access to a Great Western Bank physical branch because I can not visit a branch during my work hours. Great Western Bank is not open on weekends and is not open beyond my work hours Monday-Friday. I opened my accounts online and bank online exclusively. 

I have made a reasonable request to the bank. I asked the bank to change my money market account to a savings account. They twice refused this request even though my identity was confirmed.
Product: Debt collection

I have a debt in collections that does not belong to me. The account was opened in XXXX of 2020 With IC System Inc.
Product: Credit reporting or other personal consumer reports

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and request that you provide me with the following information : I have no record of entering into any contractual agreement with your agency. As such, please provide a copy of the original, signed contract or agreement that establishes my obligation to pay your company this debt you brought, not my personal information. I remind you that under the FDCPA, you are obligated to cease collection activities and reporting anything on my credit files until you have provided the requested verification of the debt. Failure to comply with this request within 14 days of receiving this response will be considered a violation of the FDCPA. I will use all remedies available to file a federal lawsuit against your company. Stop sending the same letter to the CFPB!!
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 three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items 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 removed : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My SSN last XXXX digits XXXX. My identity has been stolen.Someone has access to my personal information and has been ruining my credit making outrageous purchases. I have no knowledge of who or what this can be.Enhanced Recovery Co, account number xxxxx XXXX account XXXX collection. Report balance {$2500.00}. Date opened XX/XX/XXXX. Date reported XX/XX/XXXX. XXXX XXXX, date reported XX/XX/XXXX. Date assigned XXXX/XXXX/XXXX. XXXX {$840.00}. Status date XX/XX/XXXX. Account number xxxxxxxxxxxxxx XXXX. XXXX Date reported XX/XX/XXXX. Date assigned XX/XX/XXXX. XXXX {$24000.00}. Status date XX/XX/XXXX. Account number xxxxxxxx XXXX. Inquiries are not mines ether.
Product: Credit reporting or other personal consumer reports

This company is still reporting a bankruptcy that isnt mine after the 3rd party company they use to verify public records have told them it isnt mine and provided a letter that states to such. I have been dealing with this company and this problem for 4 years and Im ready to take legal action if its rectified this time. I have attached an FTC and the XXXX XXXX Letter showing they removed it from their database as not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, Original Creditor ( XXXX XXXX XXXX XXXX ). 15 U.S CODE 1681 section 602 A. States I have the right to privacy. 15 U.S CODE 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written permission This collection dose n't belong to me and it is only reported on Equifax as the other 2 bureaus have already removed it.
Product: Credit reporting

Transunion has refused to investigate unverified accounts and addresses on my credit report. I have sent several certified letters asking to validation of accounts along with my ID, SSC and my auto insurance bill. By Transunion being unwilling to properly investigate these alleged debts is really putting my life a halt, and its becoming extremely depressing, and taking a toll on my personal life.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, the following incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but these errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this list of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. With 15 U.S.C. 1681 Section 602 A saying I have the right to privacy. 

XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX : # XXXX
Product: Money transfer, virtual currency, or money service

Between XXXX and XXXX I have had 4 CashApp accounts of which 1 was hacked and the other 3 were shut down for unknown reasons. Ive tried reaching out to Customer Support for all accounts and various times and can not get to a live representative. They only would sent me chat messages but never to explain the circumstances of my account. One of the accounts still had money on it when the unexpectedly closed my account and I was unable to retrieve my funds. With that account, my two teenage daughters accounts were linked and they too had money that was unable to retrieve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX  that the last date active arent accurate with my credit report and That I need the Original contract Pay off disclosure Interest rate disclosure Balance history Payment history From this accounts XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

On several occasions, specifically on Saturday mornings, this company is calling me at XXXX. They will also call repeatedly after making contact with me. For example ; I will answer their call and speak with them and comply as much as possible. They will continue to call me throughout the day and advise that because I have not secured a payment arrangement they will keep calling all day. I have spoken to different managers and they will not stop calling before XXXX and tell me that my area code is on the east coast so it is XXXX when they call, but my address is and always has been in Arizona and has never changed. I am not on the east coast and I feel this is an intimidation harassment tactic. Please see proof of the phone call. This company calls from several different numbers so it is impossible to block their number and they will never leave a voicemail. Also do not accept the excuse that the phone number is not associated with their business, because I did call the number back and was connected right away and they already knew my name and account information based on the number I called them from. The number is the photos I attached absolutely belong to them!
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up Complaint Regarding Verification of Fraudulent Account To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of EQUIFAX to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), EQUIFAX has claimed that the disputed accounts have been " verified. '' The following fraudulent account remain on my credit report, which I have previously identified as resulting from identity theft : 1. 1. XXXX XXXX  : XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed. 
Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ Credit Bureau Name ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information.

I also believe that the actions of [ Credit Bureau Name ] may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights. 
I request that the CFPB investigate this matter further and take necessary actions to ensure that this account are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation. 
Thank you for your prompt attention to this ongoing issue.
Product: Debt collection

On XX/XX/year>, Fox collection agency sent me a letter in the mail ( reference number : XXXX, Account number XXXX ) to collect on a debt ( {$1300.00} ) I do not recognize or owe. I sent back a debt verification letter the day after I received this letter on XX/XX/year>. It is now XX/XX/year> and I have received no verification of any debt yet the last few days ( Since XX/XX/year> ) collection accounts have been hitting my credit reports. The company other than the initial letter has sent me nothing nor made attempts to call. I have sent debt verification and received nothing.
Product: Credit reporting or other personal consumer reports

I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within XXXX  days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 

Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) XXXX ( g ) Definitions. 
( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 

These account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke XXXX XXXX XXXX XXXX - XXXX liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the {$1000.00} fine for breaking this law. 
XXXX XXXX XXXX XXXX - XXXX liability ( a ) Amount of damages
Product: Credit card or prepaid card

I have a new Credit card with Capital One on XX/XX/2021. I have made my first payment over the amount due. I'm in the process of building my credit. I was informed by Capital one that it will be reported with all three credit bureaus three business day 's after the billing statement which is the XXXX or XXXX day each month. However it has been almost three weeks and my new credit card has not been reported to the three credit bureaus at all. I'm requesting Capital One to report my new credit card account.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX there was an inquiry from US Bank, that showed up on my XXXX credit report that was not from me and needs to be removed. 

on XX/XX/XXXX there was another inquiry from Hickory point Bank on my XXXX report that was not from me and it needs to be removed. 

I have not used nor have I applied for any new line 's of credit I called both banks and they said I had to contact XXXX credit agency so I did any they told me to contact this agency to get the inquiries removed
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date : XX/XX/year> XX/XX/XXXX Date : XX/XX/year> XX/XX/XXXX Date : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  HAVE SPOKEN WITH MY SISTER AND HAS CONFIRMED THAT THE ACCOUNT WAS NOT IN FACT OPENED BY MYSELF. IT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed all the necessary paperwork off to Transunion to have these accounts that do not belong to me removed, and they have not investigated the matters or responded to me.