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

I filed a group of disputes for unauthorized transactionsthat were made on my account from draft kings between XX/XX/23 and XX/XX/23 I have been approved then the next one will be denied and the next one will be approved and it goes back and forth like that and they are all from the same incident, when my phone and wallet were taken. How can only some of the charged I made be approved and some not it doesn't make sense. 5 different people have said u will get an email showing documents used to make the determine but I have gotten nothing everytime.
Product: Mortgage

On XXXX XXXX I applied online to refinance my house. I received a call from Amerisave who advised me that as long as my credit score was above XXXX that the could refinance my home for a lower interest rate then I was paying. All I had to pay was the {$500.00} application fee which we did and they then ran my credit report and said I was approved for a 3.5 percent rate. I then started to receive emails from them everyday sometimes 3 and 4 times a day asking me and my fiance to send them w2s, paystubs, proof of insurance which we had to raise an extra XXXX XXXX to cover the {$100000.00} we were approved for this went on for over 30 days, Amerisave asking for the same thing we already sent multiple times before but we kept sending it to them. On day 48 Amerisave said that closing would be on Saturday XX/XX/XXXX this was on Friday XX/XX/XXXX Amerisave said my job said I resigned on the 15 which I did and started a new job on the XXXX making XXXX dollars more per an hour. Amerisave said they would have to verify my name employment which they did, they called my new boss XXXX XXXX which they did and he sent Amerisave what they wanted right then taking time to help me out. Then Amerisave wanted a pay stub which was sent when I picked my check up on Monday XX/XX/XXXX. So Amerisave canceled the closing and said they would call me on Monday XX/XX/XXXX. Which they never did. Amerisave has sent me over 70 emails before this closing date and now I can't get an answer from them because as of now Amerisave is saying I'm making less at my new job when I'm making more. I strongly feel Amerisave tells people what they want to hear and then takes the {$500.00} application fee and then strings them along until people can't take it anymore and just want out and then Amerisave keeps the {$500.00} with no intention of ever giving their customers the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I was doing a routine check on my credit score and came across credit inquiries that were not made by me.
Product: Debt or credit management

) In general If, 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 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

this company is reporting fraudulent inaccurate Information on my credit report. i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter out XXXX XXXX to XXXX, XXXX, Equifax and the Creditor. Here is my tracking XXXX, XXXX. However, its been more than 30 days and the credit bureaus and creditor failed to send my investigation back. This is not making any sense. 

According to the law 15 USC 1681i Permissible purpose of consumer reports- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer and the notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new vechle in XX/XX/2019, making on time and additional monthly payments. Confirmed with lender and states every end of the month correct balance and payments with the current amount due is reported. However experian has not been reporting that account information preventing my credit score increase due to debt decreasing. Every 4 months the account is being updated with past account information. My score should have and would have been increasing if the accurate account information was being reported correctly. If information is incorrect by law it should be removed if experian can not verify the information correctly. I contacted the lender and complained because I am a XXXX veteran and my rights are being violated while recovering from injuries and this issue is creating a hardship. I should not have to submit accurate documents for the account to be updated months later. When I disbute, experian is by law supposed to report accurate information and if not verify with the lender within the time frame allowed before it is removed by law. Not report inaccurate information causing me to disbute every month because the verified or non reported information is still inaccurate. It's been to many years of inaccuracies reporting and experian refusing to verify or remove the information. Since my complaint I have been getting updates However if my accounts have been inaccurate and obviously not verified because the current account information is still inaccurate, that states it is not being verified correctly by law. I shouldn't have to pay a 3rd party to correct information reporting on my credit file because I lack a letter or status of job title. I am not asking for anything but what the law states I have rights to and that is accurate reporting information in a timely matter as negative reporting is not missed for any month, which shows improper tactics preventing score increases.
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, 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 DDUpon 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commision ( FTC ). My grievance is directed towards XXXX, Equifax, and XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.
Product: Mortgage

After many attempts to have my home modified and treated fairly, it is my conclusion that based on facts such as my race, gender, age and XXXX Bank of America has denied me any and all assistant to maintain my home. I have provided all documents since this process started and all BANK OF AMERICA has provided to me been stressed, harassment and unfair practices dealing with mortgage assistant. 

I would like to file a discrimination charge against BANK OF AMERICA.
Product: Vehicle loan or lease

This is the third time I have been forced to submit a complaint for not being able to pay my loan for the lease of my XXXX. I have constantly pleaded with XXXX to look into this matter of their system for online pay as this issue has continued. My credit has now taken another hit because their online portal is either constantly down for maintenance or it just wont simply allow you to access anything until its too late. Each time I've only been able to access my account to make payments and by then its late, but then shortly after i can not access my account again. I've also made a representative aware of the customer service number that is provided on the site to call that is literally a spam number and does not work. I've tried called XXXX XXXX and have asked to speak with a manager and have not received a call back for over a month. I've attached a screen recording shortly after a payment was made and I was unable to access my account again. I also have video of now being able to access my account and the " down for maintenance error '' messages but am not able to upload as they are too large and can provide should XXXX need more evidence. I would just like a reliable system to make my payments on time.
Product: Credit card

I received an email from XXXX on XX/XX/year> stating that there had been a change to my credit report. Upon checking the report, I saw that there was a hard inquiry from Capital One that I did not recognize. I immediately called XXXX and told them that I did not apply for a credit card through Capital One and did not grant anyone permission to check my credit report. They placed a fraud alert on my account and I asked them to place a temporary freeze on my credit report. I then called Capital One on XX/XX/year> and informed them of the fraudulent activity. They informed me that they did see that I had an account with them ( which I personally did not open ) and that a credit card had been applied for on XX/XX/year>. They informed me that the card is in the process of being delivered to whoever applied for it, but that they would place a fraud alert on the account and that the card will rendered inactive. They also told me that this account/transaction is under open investigation for 60-90 days and I should receive something in the mail from them within this timeframe regarding the outcome of the investigation. I asked them to remove the hard inquiry from my credit report and was told this could not be done until after the 60-90 day period. I also asked them for the name and address of where this credit card was supposedly being delivered and they did not disclose that information. I was encouraged to file a police report with my local police station for identity theft.
Product: Credit card

I request all fraudulent purchases made on my account be erase and account removed
Product: Checking or savings account

I had a fraudulent charge. I contacted the bank. 
The bank made unsuccessful attempt to contact merchant. Three months later I am fighting PNC to provide credit for fraudulent charge and I am getting the run around
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : 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
Product: Debt collection

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq. that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the three major credit bureaus ( XXXX, XXXX, and XXXX XXXX ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA. Please be advised that the alleged debt that you are attempting collect is uncollectable for the following reasons : XXXX. Creditor is in breach of any alleged agreement that it claims I am bound by. 2. Creditor failed to make full disclosure in its credit card agreement prior to soliciting my application to be bound by it. 3. Due to the breach and lack of full disclosure, you are attempting to collect an alleged debt from me, you are committing false, deceptive, or misleading representations or means, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, committing fraud. 4. Creditor has failed to fully disclose the fact that it sold its credit card receivables relating to the alleged account that you claim I am bound by. This transaction is a securitization. XXXX. Due to the securitization of the initial outstanding balances of the alleged account, creditor is not a holder in due course, and therefore has no rights or interest in the receivables you are attempting to collect. 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

All of my student loans have been paid in full! I have the documents to prove it. Please report this to all 3 agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I was trying to contact  XXXX  about an approval for repayment plan, I dialed the number on the invoice  XXXX  and was directed to th e Student Loan Help Center. Aft er about a half hour of talking I found myself agreeing to a consolidation of  XXXX  student loans with {$0.00} monthly payments and forgiveness of all loans after 20 years ' all based on my annual income. In addition  XXXX   XXXX  explained to me that there was a {$790.00} fee to cover enrollment fee and the legal process to consolidate into  XXXX  loan. Later that night I read the document they sent for signature, signed electronically, authorizing the fee to be deducted from my account and finished. Shortly after I read on dept of education that there should be no fees incurred for student loan help or consolidation. I tried calling  XXXX  to leave a message to cancel and the call was answered by a general phone line and I was unable to leave a message. I did send an email to their support center and will request a refund in the morning. The funds were withdrawn as soon as I hit Finish. Please advise if this is a scam and how I can get my money back
Product: Credit reporting or other personal consumer reports

There is something on my credit report that I have absolutely no knowledge of. Ive never received any letters or calls from this collection agency so I have no way to verify it or settle it. When I try to call the company that is listed they ask for social security numbers. I cant even verify what this is for so Im not giving that type of information. The other item listed is the same scenario. They require you to send an email inquiry also asking for social security numbers. I am not sending my SS in an email. I expected XXXX, XXXX and XXXX to be able to verify this. They just leave them as correct. How can it be correct if Im not being contacted by these agencies! They also keep changing the date so they never fall off. Im at a loss on what to do.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Opened XXXX XXXX, XXXX XXXX XXXX  credit card balance {$12000.00} Opened XXXX XXXX, XXXX XXXX credit card balance {$21000.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXXXXXX credit card balance {$2600.00} Opened XXXX XXXX, XXXX XXXX XXXX balance {$1200.00} Opened XXXX XXXX, XXXX XXXXXXXX XXXX XXXX balance {$1000.00} Opened XXXX XXXX, XXXXXXXX XXXX balance {$2200.00} XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX  balance {$5700.00} Opened XX/XX/XXXX XXXX XXXX balance {$640.00} Opened XX/XX/XXXX XXXX XXXX balance {$490.00} Opened XXXX XXXX, XXXXXXXX XXXX XXXX balance {$0.00} Opened XXXX. XXXX, XXXX First national bank balance {$4100.00} Opened XXXX XXXX, XXXX XXXXXXXX XXXX balance {$0.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$390.00} Opened XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX balance {$9300.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX balance {$9500.00} Opened XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  balance {$1200.00} Opened XXXX XXXX, XXXX XXXX XXXX credit balance {$580.00} All of these are a result of identity theft and fraud And reported it to FTC
Product: Checking or savings account

I deposited a business check into my Chase account. The teller made an error and deposited the check into the wrong business account. Chase corporate fraud tagged it as potential fraud. After 12 weeks I was able to convince chase it was their error and the account they deposited my funds into was also a business account I had with them. They finally after 12 weeks returned my funds. They also canceled my two business accounts. When I attempted to set up a new non Chase banking relationship I was told by the new bank that XXXX XXXX XXXX had indicated my companys are fraud. Chase obviously sent this info to EWS. I want their error reversed and my accounts cleaned from their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three ( 3 ) CRAs are continuing to run my disputes regarding the inaccurate information supplied by XXXX through the XXXX  automated system, which simply updates data n credit files without verifying the accuracy of the information supplied by the data-furnisher. 

This process does not ensure the accuracy of the information and ignores the submitted documents, leaving the investigatory operations and document review entirely on the data-furnisher. 

That is, the CRAs are not conducting an independent investigation that evaluates the documents submitted. Submitted documentation is thus discarded by the CRAs in favor of " trusting '' the informatino supplied by the data-furnisher. 

The CRAs are supposed to conduct thourougha dn impartial evaluations of ALL documentation submited with a dispute and to conduct their investigation that reviews the documents submitted. By ignoring the documentation, or leaving it to the data-furnishers to inspect the validity of supplied documents, the CRAs are violating basic principles of due process -- it harms consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX