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

This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedure in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 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 sign consumer contact, 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 accounts. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my disputes to XXXX on XX/XX/2022. I called on XX/XX/2022, the supervisor told me everything had been removed from my credit report that was listed on my FTC report. I see the accounts still showing on my credit reports. These accounts are not mine. I called back on XX/XX/2022. The rep told me they had to do a dispute again I have already sent all the information in for my disputes on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently discovered outdated and inaccurate personal information in my file maintained by LexisNexis. This outdated information includes old addresses and names that no longer reflect my current situation. Despite my attempts to address this issue directly with LexisNexis, the outdated information remains unchanged. I am concerned about the potential impact on my financial and personal well-being due to this inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have the wrong address being reported to all 3 credit reportimg agencies. My only address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. The XXXX XXXX address belongs to XXXX XXXX Banks Also as show of goodwill I would like all 4 late payments removed as payments are now being made on time. I would like to purchase a house and tgis is hurting my credit. Please remove all 4 late payments as follows : 30-59 days-January XXXX and XX/XX/XXXX 60-89 days- XXXX and XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is still showing negative information on my credit report as of XX/XX/2020. I have gone thru bankruptcy and dispute with the three major credit bureau and third party bureau. All my information has come back to verify. This is affecting me to move forward.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off XXXX - XXXX - {$17000.00} XXXX - XXXX - {$10000.00} XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Personal Information Former : XXXX XXXX Employers : XXXX XXXX
Product: Checking or savings account

On XX/XX/2022, opened an account after being referred by friend using this link : XXXX XXXX XXXX which was said to be eligible for a {$500.00} bonus for the person being referred and to the person providing the referral. In accordance with the terms, which stipulated a direct deposit of {$200.00} and {$100.00} spend using the Albert debit card every 30 days for three months, all terms were met by me. On XX/XX/2022, I sent customer support an inquiry asking when the {$500.00} bonus would be paid as all term conditions had been met. On XX/XX/2022, I received a response to inquiry from customer support with the excuse that they could not find any evidence of being referred. However, as evidenced by the referral link above and the screen shots submitted with this complaint, this is simply not true, and I am belief and suspicion that Albert is simply using the excuse as a reason to forego payment of {$500.00} bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

These addresses does not belong to me listed below can you please remove Im disputing now please understand you are now being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice.You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy This is Correct information below please update First in last name only : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX Date of birth : XX/XX/1990 There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name incorrectly when requesting my credit report. 
Regardless, There are forms of my name and address that should not appear in my credit file. 
These Are the Incorrect addresses below please remove XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Experian/XXXX  Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : EXPERIAN : 1. XXXX  XXXX XXXX Balance Owed : {$1900.00} 2. XXXX XXXX  XXXX Balance Owed : {$3200.00} XXXX XXXX 1. XXXX  XXXX XXXX Balance Owed : {$1500.00} 2. XXXX  XXXX XXXX Balance Owed : {$640.00} 3. XXXX  XXXX XXXX Balance Owed : {$1900.00} 4. XXXX XXXX  XXXX Balance Owed : {$3200.00} XXXX XXXX 1. XXXX  XXXX XXXX Balance Owed : {$1900.00} 2. XXXX XXXX  XXXX Balance Owed : {$3200.00}
Product: Credit reporting

I was denied renewal of a credit card due to " an adverse account '' as reported by TransUnion. The unpaid account is an electric bill in XXXX. I have lived in XXXX all of my life and could not have incurred an electric bill in XXXX. I have disputed this info twice with TransUnion and they continue to send me this same report.
Product: Debt collection

This is the third time I have requested XXXX XXXX XXXX or XXXX XXXX to stop contacting me about a 14-year-old debt that was paid.This is the  second time I have reported them to Consumer Financial Protection Bureau. They did not respond to the first report.
Product: Debt collection

Diversified consultant ( bill collector ) calls me and go through the usual acknowledgment process. I tell them I am not interested in taking care of the bill. They would say okay be we are just trying to keep this bill from going on your credit. I told them to let it go on there and they said okay we will remove your number. I have over 7 to 10 blocked numbers from them and the lastest block is from today at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these same 2 accounts for the last year or so with all 3 bureaus. My file had a address i have never resided at, it took them 3 years to finally report my actual address. Even though i told experian to update it. I 'll be turning XXXX soon ..and the XXXX XXXX accounts were opened in XX/XX/XXXX meaning i was under the age of XXXX when they were opened. But experian claims im older than im stating so I 've provided them with my birth certificate several times. I 've uploaded my parents lease and provided proof of my address from XX/XX/XXXX-XX/XX/XXXX which has been the same. So how can i live at 2 address?? I know it is illegal to contain false and inaccurate information on a credit report. I have gotten a attorney involved, i gave XXXX XXXX XXXX permission to access my reports. As far as my attorney is stating, Experian is violating several laws. Therefore i am tired of disputing these frivolous accounts. So after XX/XX/XXXX. I will have my attorney dealing with this matter from there on out. So please show me validity of these accounts..such as contracts and or agreements bearing my signature proving they in fact belong to me.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I have disputed this account in the past several times, the result comes back verified every time and I sent other letters after they sent the result saying it was verified and I requested of them to send information concerning Its my understanding that the credit bureaus have investigated this account and it keep coming back as verified. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I'm demanding the deletion of the following account. 
XXXX XXXXXXXX According to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer. The FCRA emphasizes the confidentiality, accuracy, relevancy, and proper utilization of consumer information include : Consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of consumer reports. Ive listed below some inaccuracy that I found with this account -The open date is different from XXXX XXXX -It 's a violation because all three are not consistent -The credit limit is different from XXXX-It 's a violation because all three are not consistent -The last reported is different from XXXXIt 's a violation because all three are not consistent -The 'date last active ' is different from XXXX and XXXXIt 's a violation because all three are not consistent The 'date of last " payment is different from XXXXIt 's a violation because all three are not consistent This account was charged off on the following the date ( XX/XX/year> ) Since the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge-off account should never include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 
Please delete immediately
Product: Mortgage

I applied for a loan modification with Bank of America about 9 months ago. After 3 months of submitting documents I was told I did not live in my house. This was not true. They had the documentation to prove I lived there. I then submitted additional documents to prove I lived there. This time they came back and said on their NPV that I could get 5.125 % over 40 years if I had extra income. My husband was able to contribute the extra income and we resubmitted. B of A sold the loan to XXXX XXXX XXXX but they are still the master servicer. This loan should have been modified along with others in the securitized class action lawsuit of the XXXX XXXX XXXX XXXX XXXX ( the trustee ) and Bank of America. since XXXX is the investor. Bank of America was aware of this and chose to ignore the instructions of the settlement.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The XXXX and TRANSUNION credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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

Im really saddened and frustrated to discover unauthorized inquiries on my credit report this evening. Ive checked my report as usual, but this time, unexpected discrepancies showed up. After refreshing my browser, the inquiries still remained. Im asking for a careful review of the documents Ive sent so I dont have to worry about this issue anymore.
Product: Credit card

We have been making the required payments several months and after making double payments in XXXX they are claiming they havent received any payments. Threatening my credit report and calling requesting payments when all payments are up to date and sent electronically.
Product: Debt collection

Some company called AFNI has been trying to say I owe money for XXXX insurance. Which I dont think the common company known as XXXX is called XXXX insurance. They keep changing the time and debt amount. I have not been in a car accident nor had XXXX even the legit company as my insurance. They are only sending weird mail but hasnt tried to contact me otherwise.
Product: Vehicle loan or lease

In XX/XX/XXXX-XX/XX/XXXXI was forced insurance when I was covered by my own XXXX XXXX. I was given years of fees, aprox. {$2000.00} and insurance aprox. {$3000.00}. that was added to my auto loan. Not knowing they were being under investigation in XX/XX/XXXX-XX/XX/XXXX for insurance fraud and fees. I was trying to do the right thing by trying to resolve my insurance problem, during this period i provided them with my auto insurance information to the Presidents Office by faxing it numerous times in XX/XX/XXXX. What I did not get, that I did not hear from them and I was still trying to reach out to them with no call backs. Until XX/XX/XXXX i was mailed a letter which they charged of my account, I suppose they did not want me to be aware of the scandal they were having. It is time they take responsibility for their actions and all the stress they caused me.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX and I had a number of conversations about starting a banking relationship. I relayed my goal of transferring approximately {$30000.00} of US Treasury Bonds, from my account at TreasuryDirect.gov to an account in my name at TD Bank. Part of the process I was told, was maintaining a checking account for a month. I initiated and funded the account with cash from another bank. 

At a face to face meeting today, XX/XX/year> at XXXX ET, XXXX directed me to XXXX XXXX XXXX They were both very helpful as we filled out the FS Form 5511 to initiate the transfer. But, XXXX lied and invented a story of my alleged assent to a managed investment account. When he made clear the costs of such an account I canceled the transactions and left angry.
Product: Credit reporting or other personal consumer reports

I recently submitted a request to block my accounts however, it appears that thisrequesthasnot yet been processed.
Product: Bank account or service

I had rented a safe deposit box since XX/XX/XXXX.The rental fees were paid always before the due dates. 
XX/XX/XXXX - I received a notice dated XX/XX/XXXX from Bank of American : notified me that my safe deposit box was forced open by drilling the lock due to no receipt of requested renter ( s ) information. 
XX/XX/XXXX & XX/XX/XXXX I took my time off from work to meet with BoA representative to handle the issue. I was forced to make payment {$150.00} for the drilling fee in order to submit the request to get back my contents of the box.. 
XX/XX/XXXX I found there were missing documents, a broken jewelry and a XXXX-gram gold plate during the safe deposit box contents check. After that, I had to take back the contents immediately although the safe deposit box fee had been paid for the period until XX/XX/XXXX. I was getting the risk to transport the contents to my home. 
XX/XX/XXXX I mailed a Customer Loss Claim information to BoA 's representative. 
XX/XX/XXXX I emailed the BoA 's representative to follow up the loss claim form receipt. 
XX/XX/XXXX I mailed the Customer Loss Claim and the email copy by certified mail to the the BoA 's representative, trying to confirm receipt of the claim. 
XX/XX/XXXX I received a call from the BoA 's representative informing me that the claim information was forwarded to an investigation unit which will contact me directly. 
XX/XX/XXXX I received a denial letter dated XX/XX/XXXX. 
From the above experience, I believe the bank treat me very unfairly and I do n't think it is safe when you put your important stuff in a bank 's " safe deposit '' box. 
1 ) I do n't understand why Bank of American just sent me A REGULAR letter before forcing to open the box. 
2 ) Why Bank of American opened the box without informing the customer who was paying the fee in time, never delay. 
3 ) Forcing customer to pay the drilling fee without good reason. 
4 ) During the whole period of time above, the Bank of American representatives did n't apologize or thank for anything to me. I do n't think they were doing their job professionally!!
Product: Checking or savings account

The deposit amount one was {$990.00} the second was {$900.00} the deposit date is XXXX/XXXX/XXXX via moble banking. I 've contacted the corporate office and no accurate reasoning or solution. Please help me get answers.
Product: Credit reporting or other personal consumer reports

All credit bureaus are reporting incorrect negative information. All accounts are paid never late. XXXX XXXX Bank should be removed. No company responded to 605 623 letters.
Product: Checking or savings account

The nature of this complaint arises from the consumer ( XXXX ), being Hacked this past Friday. XXXX, was the victim of a scam as a result of being a XXXX XXXX customer. It appears that someone was trolling the XXXX XXXX and I was called back five minutes after dealing with the XXXX XXXX concerning a printer issue. Henceforth, XXXX was vulnerable to these financial crimes. XXXX learned this past Saturday, that the criminals hacked into his computer stolen the sum of {$400.00} and of that sum, monies {$150.00} were transferred to a online Bank using XXXX XXXX that operates in the virtual world. XXXX alerted his Bank ( PNC Bank Fraud Unit ), that Saturday. The Fraud unit took the report and locked his account. XXXX was told to go the the branch and open a new checking account and obtain a new ATM card. On MondayXXXX, XXXX did just that. The Branch Manger ( XXXX and his Associate, XXXX ) were on the phone to the Fraud unit for over an hour. XXXX, then suggested, he would call at home ; XXXX was on the telephone for Three Hours awaiting to speak with a Representative of PNC 's Fraud unit to unlock his old account and transfer his funds to the new account. 
The essences here is, XXXX was on the telephone on XX/XX/2021 for two hours trying to get his electronic banking set up and to get a explanation why PNC placed a hard hold on a check for {$42.00} in change or there about. There were plenty of funds to cover this check. XXXX has no- access to his money in his savings or checking account. He is told, that no one wants to work, and PNC is saving excessive amount of money running a Bank on a shoe string at the expense of the customers. This is clearly, unacceptable and not something any customer should tolerate. I can not buy the argument that no one wants to work. Maybe, it is the Bank does not want to pay, or hire older candidates.
Product: Mortgage

I am claiming that SPS, " select portfolio servicing '' is purposefully holding up the process of the short sale on my rental property. They have drug their feet on XXXX offers and have sent me several letters that I do not qualify when in fact they have received every document they have requested and many times duplicates had to be sent because of them saying that the documents were lost. This process has been dragging on for 5 long, grueling months with a tenant who also has no idea what is going on or a reasonable time frame in order for her to move and find another home. They have sent me threatening letters and gave me incorrect information on several occasions about the processing times. They just recently told me I could n't access my own property/loan information. Because they had the wrong zip code in for my property and because I could not verify the zip code ( because it was in their system wrong ) I was not able to get an update of my short sale. This company is a crooked, useless group, which bought out my loan with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX  have the same accounts. Why is XXXX  credit reporting different point than Transunion. It is not accurate. Transunion should be accurate with XXXX. It's the same accounts. Theses disparities must stop. I attempting to remedy this error by filing a complaint. Hopefully Transunion and XXXX  will be on the same page.
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 USC 1681. 

Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries 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 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: Credit card or prepaid card

This card was a unrequested/presumed fraudulent debit card - Reliacard - sent out by USBank, in my name, to my address with a different DOB than mine. 

Cardholder services were contacted - they said they closed the card and recommended that I contact Ohio unemployment services - which I tried SEVERAL TIMES - they were never available, or able to assist with documenting the error/fraud- just overwhelmed by COVID related claims. 

Just concerned that the information was obtained/sent in the first place