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

I, XXXX XXXX, sent Equifax a letter on XX/XX/XXXX, disputing the validity of the bankruptcy they are reporting on my credit report. They responded that they verified this information through XXXX and the court. I went directly to XXXX XXXX and the court. I went directly to XXXX to dispute the item in question and XXXX  could not verify this item so they deleted it from there database. The court provided me with a letter indicating that they do not report to the credit bureaus. I then went back to Equifax on XX/XX/XXXX, and showed them the the deleted bankruptcy from XXXX XXXX informing them that it they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. I also informed them that the courts do not provide information to the credit bureau.They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 
I than filed a complaint through the CFPB on XX/XX/XXXX and was not given any information on why they close my case. This item needs to be deleted from my credit report if it can not be verified within 30 days. I also made phone contact multiple times and was unable to get clarification.
Product: Credit card or prepaid card

I applied for a credit card with CitiBank on XX/XX/XXXX. The representative informed me that my application was denied due to too many recent credit inquiries recorded on my XXXX credit bureau report. 
I knew that this was completely erroneous, and that I was unreasonably and immorally denied ; so, I re-checked my XXXX account for status on inquiries and also called XXXX customer service center for clarification. 
Both methods proved there has been a total of only three inquiries in the entire year of XXXX and only one inquiry in XXXX : Two onXXXX One on XX/XX/XXXX One on XX/XX/XXXX After checking these, I called back to CitiBank and spoke to a representative in the applications department to explain that my application had been denied in error with reason being too many recent credit inquiries. His response was If you were denied, there is nothing that I can not do if you do not have an open account. I asked to speak with a supervisor. He placed me on hold and left me there. I held the phone and finally hung up after about 15 minutes. No one from Citibank even attempted to resolve the issue.
Product: Credit reporting

there is a XXXX XXXX account on my credit report that is not mine. I have never had a XXXX account nor did I ever authorize the opening of such an account. the account number being reported is XXXX. I have no such account. I have not had any XXXX account.
Product: Debt collection

I received notice from XXXX XXXX that I had a negative report from a collection agency called Credence Resource Management for {$740.00}. I called them and found out that the collection effort was given to them by XXXX XXXX XXXX. I informed them that I had no such debt, and that I had not lived in Florida for 10 years, and did not recognize the address of the XXXX XXXX XXXX service. Credence said that they would send me a package to complete and send back. Interestingly, the social security associated with the debt was my social security number.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my XXXX WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of yourWillful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately. 
The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX Date open_____XXXX__________________________________ Account Number__XXXX___________________________ Reason for dispute__IDENTITY THEFT________________________________ Account Amount___ $ XXXX
Product: Credit reporting or other personal consumer reports

Hello- there have been tremendous errors in my credit report and they are greatly affecting my interest rates. I have reached out to the credit bureaus but none of them are properly responding.

Upon reviewing my annual credit report, I see instances of some late payments reported, but in reality, I made on-time payments. These consumer reporting agencies have a crucial role to play and they must conduct a thorough investigation and get these sorted right away.

I made timely payments for all these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) I would like to have a thorough investigation of the discrepancies and ask you to provide evidence of these late payments. If you can not furnish, please convert all these to " Paid On Time '' to reflect their true status.

Please note that the information is very inconsistent among all the 3 reporting bureaus. Please take immediate action and update the reports with the next 1 week as I have been requesting to correct this information from the past 2 months and there was no proper response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, I am XXXX XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items.

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well Fargo has for nearly XXXX years inaccurately reported a secured credit card account on my credit file. I opened the account in XXXX of XXXX ; making all payments on time and never carrying a balance for XXXX months. At Wells Fargo 's behest, they closed my secured card account, deducted {$180.00} from the ( {$300.00} ) security deposit and applied it to my final ( XX/XX/XXXX ) bill and refunded me the balance of {$110.00} in XXXX of XXXX. However, Wells Fargo is reporting this account as a charge-off WHICH IS NOT ACCURATE and is a violation of SECTION XXXX OF THE FAIR CREDIT REPORTING ACT ( FRCA ). I have contacted Wells Fargo by mail and by phone for nearly a year. I have disputed this account with XXXX, XXXX and XXXX at least XXXX times while Wells Fargo CONTINUES to report inaccurate info to them!! Wells Fargo has flat out REFUSED to accurately report or delete this account. This is my VERY LAST ATTEMPT AND REQUEST FOR DELETION!! I WILL BE TAKING LEGAL ACTION GOING FORWARD!!
Product: Debt collection

XXXX XXXX XXXX Last reported XXXX XXXX, XXXX {$830.00} Open balance 08 BARCLAYS BANK DELAWARE Original creditor XXXX  Opened XX/XX/XXXX ( 4 yrs, 10 mos ) I have never opened an account with Barclays bank. This account was opened fraudulently and is causing hardship on my life.
Product: Credit reporting or other personal consumer reports

XXXX Block Request - ( XXXX ACCOUNT # XXXX DATE OPEN XX/XX/year> AMOUNT {$1000.00} ) ( XXXX ACCOUNT # XXXX DATE OPEN XX/XX/year> AMOUNT {$300.00} ), INQUIRES - XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Dear Sir or Madam : I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that trafficking. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

-Purchased a washing & dryer from XXXX in XX/XX/XXXX-Had multiple problems with deliveries -Once the items delivered the washing machine began to malfunction -I paid every month on time & paid off in full inXX/XX/XXXX-I was NEVER late and paid on time every month prior to the payoff -The washer has had 17 repair appointments -The washer is currently not working -The washer is still under warranty XXXX is reporting me paying late ONE time in XX/XX/XXXX-I have contacted XXXX executive office three different times -I have was treated with disrespect and XXXX has refused to correct inaccurate report -I owe NO money -I do not have a working washing machine -The inaccurate report is the ONLY late payment reporting on my credit report -I was also insulted by the XXXX rep with a negative racial stereotype
Product: Credit card

Refer to the attached documents. I request the bureau to initiate an investigation into the accounts incorrectly reporting me as late, despite my timely payments.
Product: Debt collection

company sent a letter stating i owed for a traffic ticket the letter stated that if i wanted to dispute the ticket i was told by miss XXXX i could not dispute the charge i read to her the part in the letter that stated i could dispute the debt then she asked me why i wanted to dispute the charges i toldher that this did not apply to meshe said that this involved a XXXX and a XXXX i told her i have never owned a XXXX   or a XXXX  then she gave me the last 4 of the social and date of birth i told her that was not me then she asked me if i had a son was i senior or a junior i told her that i was not the person who she was looking for she got rude and indigant and hung up this company needs to correct their records and be punished for their actions
Product: Credit reporting, credit repair services, 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 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

the overdraft fees are outrageous most occoured from auto pay, which honestly I am not sure what all I have setup for that, but they continued to let the payments go through and got hit with a fee every time
Product: Credit card or prepaid card

BANK OF AMERICA XXXX XX/XX/2021 XXXX Direct Deposit Funds Transfer to checking/savings $ XXXX BANK OF AMERICA XXXX XX/XX/2021 XXXX Direct Deposit Funds Transfer to checking/savings $ XXXX Totals {$0.00} $ XXXX BANK OF AMERICA XXXX XX/XX/2021 XXXX XXXX Deposit Funds Transfer to checking/savings $ XXXX BANK OF AMERICA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX Transfer Return {$5000.00} BANK OF AMERICA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX Transfer to checking/savings $ XXXX CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$1500.00} CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$1500.00} CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$1500.00} CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$1500.00} CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$1500.00} CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$1200.00} CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$900.00} Totals {$14000.00} $ XXXX
Product: Debt collection

I receive a letter from Debt Recovery collecting checks from a fraudulent checking account that was open. 
I wrote to them and sent them aj complaint that I made with Federal Trade Commission Identity Theft. gov. There reply was the following that the debt was validated by their client and If they did not heard from me in 30 days they will continue with the collection. 
This debt is not mine, I have told them that is is a fraudulent and they continue the harassment by mail and also by phone.
Product: Mortgage

XXXX, I have reached out to Mr. XXXX XXXX XXXX XXXX # XXXX XXXX asked about the refinancing mortgage. I was looking to change my job from XXXX to XXXX. I told Mr.XXXX  that I am looking to change my job and the new job may need me to move to XXXX next year. He said it is not an issue if I do not move before the application is done.

So, I proceed with the application and paid for appraisal and XXXX lawyer fees and application fees that Mr. XXXX introduced me. On XX/XX/XXXX, XXXX XXXX ( NMLS : XXXX ) called me stating that he needs an email stating that I am currently working from home. So, I provided the email from HR confirming that I am currently working from home. 

I followed up on XX/XX/XXXX and XX/XX/XXXX, but did not get any response. So, I reached out to Mr. XXXX XXXX on XX/XX/XXXX. Mr. XXXX called me on XX/XX/XXXX that my application is rejected because they think I will move to XXXX. 
I told Mr. XXXX that all my documents I shows that I am currently working from home and all my documents shows that I work and live in NY. I told Mr. XXXX in a good faith that I may need to move next year which he said fine which should be recorded on the line. 

Mr. XXXX said all calls are not recorded due to COVID and can only refund appraisal but can not pay any XXXX related fees. 

Bank of America agent Mr.XXXX  lied to me that it would be okay. I provided all the documents that they asked, but they still rejected my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022, i received a letter from XXXX stating that the XXXX XXXX  account on my credit has been deleted from my credit file because that account didnt belong to me. 
on XX/XX/2022 i received another letter stating that the XXXX XXXX  account has been deleted off from my credit file because that account didnt belong to me either. 
Although these accounts have been deleted they still remain on my credit accounts and it is affecting my credit score, i need these accounts removed because they dont belong to me.
Product: Credit card

A credit card was supposed to arrive to my address. I never had possession of the credit card as I never received it in my locked mailbox in my apartment building. 

Despite that fact, it was used by someone multiple times XXXX at a restaurant and XXXX  times at a gas station. And it was used in a suspicious manner that Bank of America flagged it and put a hold on its spending eventually by the evening. Even the bank understood these transactions likely were fraudulent. 

I called Bank of America once I learned of them flagging it. The person representing the bank assured me this issue would be resolved. He filed the complain on my behalf. I sent them an affidavit attesting to the facts above. I received temporary credit for the fraud charges. 

But upon further investigation the bank concluded there was no fraud and reversed the fraud related credits. How could that be possible. Your banks algorithms found it suspicious first and then I reported it. I have a replacement credit card now, but I hope Bank of America changes their decision regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my Experian reports which I believe has been taken care of due to the written appeals I sent. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. I did not authorized, consent or have knowledge to how or when they were opened. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Here is the list of information I need removed/blocked from my credit reports. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX These addresses are not mine. I never lived here. XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX don't own any of this accounts. Please see to it that they are removed.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I applied ( in-store ) for a Macy's-American Express card back in XX/XX/2016. I have perfect credit, no history of any late payments and what is considered " excellent '' credit. Two I received a general decline letter from Macy's-American Express stating my application was declined for " Insufficient Credit Experience. '' My credit experience is OVER 24 years and I have current, open and active loans and other credit cards. I called the number on the letter, I was referred to another number. Then the representative " XXXX '' could not answer my question on how to address having perfect credit and getting declined. She said my credit report came back blank and could only refer me to XXXX, to obtain a copy of my credit report. I then called Macy 's Corporate/Executive office phone number. I was placed in contact with " XXXX '' at extension XXXX. She called when I did not have a copy of the letter sent to me in hand. She provided her name, callback phone number and extension. She asked me to call her back when I get a copy of the letter. When she called, ( XX/XX/XXXX or XX/XX/XXXX ), I was out of town. I returned home after XX/XX/XXXX, called her back and left her a callback voicemail. On the prior call, she stated there was a " code '' on the back of the letter and she needed that to explain the correct reason for the declined application. I have called " XXXX '' back twice and have not received ANY phone or written communication in response. My issue is that I have active and current credit. I was declined for an incorrect reason and I want the application corrected and a full explanation of what happened.
Product: Bank account or service

My Ex Girl friend had trouble talking to Bank Of America I got on the phone to help her I 'm not a user on the Account. 
I had an Account with Bank of America and they misappropriated funds that is how they got my information