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

XX/XX/2021 I filed a dispute with all 3 bureaus and XXXX which was reporting inaccurate information and removal. All 3 bureaus didn't respond within 30 days. I have had previous disputes on this item with all 3 bureaus. The item in question is a Bankruptcy. 

XXXX is reporting inaccurate data on the bankruptcy. The item was dismissed and never pursued. The Bankruptcy never was active or made it to court. The filing has errors. 

All agency was asked to remove this from the report numerous times. A 3rd party data company furnished this information to the bureaus as there was no contact made from the Courts which shows how inaccurate it is being reported.

This information that was collected was from a 3rd party and shows several mistakes. 
The action I took with XXXX 1. I ordered my file from XXXX to review 2. I checked it over 3. I found the inaccuracy. Then I, 1. Wrote XXXX and all 3 bureaus 2. Sent a description of the inaccuracy to all four bureaus, 3. Waited 30 days for a response and started filing a complaint when I didn't receive an update or the desired results that should be done.

There were numerous previous letters to all 3 bureaus asking that this erroneous item be removed. With the amount of research I have made on this item my conclusion is that it must be removed based on No direct update from the courts, a 3rd party reporting the data and the data is incorrect. The item is dismissed and never went active in the Courts either and a Bankruptcy never took place.

1. The item was never active 2. It was reported with inaccuracy through XXXX - the information didn't belong on the report, and was pointed out through the dispute letters 3. The data was collected from a 3rd party and not the courts. 4. The biggest erroneous complaint is there was never a bankruptcy that took place. 

As a consumer, I swear that this information is correct. I wish to file a complaint on all 3 Bureaus and XXXX for the removal of the item discussed in this grievance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset there are two accounts on my credit report and 3 inquiries that do not belong to me I need these off my credit this is clearly identity theft and nothing is being done buy the bureaus regarding this after sending multiple letters to them. 

XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX  XXXX  XXXX/XXXX  - XXXX INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX 2019
Product: Checking or savings account

On XX/XX/22 I attempted to log in to my online banking account with Truist. I was immediately logged off. I attempted this 2-3 more times to no avail. My only goal was to check my checking account balance and transfer funds if needed. 

I then called the automated line to try to check my balance over the phone. The online system would not understand my social security number, which I entered about three times. I then attempted to speak with an operator and was told wait times are over an hour. I do not have time to wait on the phone for an hour or more. 

Currently, I have no way of accessing my funds at all. This is much worse than the recent complaints I have sent you about this bank. In those situations I couldnt transfer money but could at least see my balances. I can do neither now. 

The bank has an active social media ( XXXX ) account, yet it provides zero updates about this problem despite numerous complaints being posted in the last two hours. Nothing is mentioned about this there or on the banks website. It is extremely stressful to not only have no way to access my account but to have zero acknowledgment by the bank that a problem even exists, much less is being fixed. Communication with customers is not one of this banks values or concerns.

My worry is that it is almost the weekend. Historically, when this bank experiences problems on or close to the weekend, nothing happens. No one works on it and any progress made comes to a grinding halt. Im quite fearful this will be the case again this weekend. 

I need to access my account to pay bills and make transfers - and, if nothing else, because this is my money and I have a right to know whats going on with it. This bank is bafflingly incompetent when it comes to its online banking system and customers are paying the price. 

I strongly encourage bank regulators to investigate Truists unethical ( at best ) banking practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX " Under the Doctrine of Estoppel by Silence, Engelhardt v Gravens ( MO ) 281 SW 715, 719, I may presume no proof of the alleged debt, not therefore any such debt, in face exists. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in an abusive relationship and my ex-boyfriend opened bank accounts in my name and used those accounts to deposit stolen/fraudulent checks. I could not come forward with this information during the investigation because I was still in my abusive relationship. It wasn't until I moved to a completely different state ( all to get away from my abuser ) that I was able to come forward with this information. By this time, the bank already completed the investigation and still found me responsible even though I told them everything and gave them my ex-boyfriends name, dob, social and address. 

I haven't been able to open a bank account because of this. My life is almost completely back on track ( I had to start completely over because of this man ) except for this XXXX hiccup. I don't know what else to do.
Product: Student loan

I took out a {$50000.00} loan from XXXX ( now Navient ) back in XX/XX/2007 to attend University of XXXX. During that time, I was never given an option to co-sign with my parents. After my schooling ended, I was automatically set up on a 10-year repayment plan ( by no choice of my own ) with bills far exceeding what I had the means to pay because of the economic crisis. Worse, when I contacted Navient, they quickly ushered me into a forbearance program without even making me aware of an income-based repayment plan. It was n't a few years had passed that I did my own research and found that an income-based repayment plan was even an option. But by that time, my loan had already reached {$80000.00}. I was 100 % taken advantage of at every step of the way, and bullied into forbearing my loans. Now I struggle monthly to even pay off the interest ( at 15 % of my income ) and will be paying almost {$200000.00} after my 25 years is up for forgiveness.
Product: Credit card or prepaid card

I recently applied to a Capital One XXXX XXXX credit card. I received a letter that I was denied due to active credit limits, which makes absolutely no sense. I have a XXXX credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. 

I am planning on traveling and I believed Capital One XXXX is the right choice for myself. I have credit cards with them for Business and as a loyal customer to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. 

I tried calling reconsideration line asking for explanations and a reconsideration even by moving balances around if that is what was required and they were absolutely no help and said to reapply again. This is very unethical on their side. Why would I reapply when that will count as another hard inquiry and they can reconsider. I would be happy with the credit card for its travel perks and wanted to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I demand a response and a resolution. Thank you.
Product: Credit reporting or other personal consumer reports

I sent a letter XXXX XXXX XXXX to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AM XXXXXXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$7300.00} XXXX XXXX {$13000.00} XXXX XXXXXXXX : {$1200.00} XXXX XXXX  XXXX : {$300.00} XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I sold a personal item online the buyer wanted to use CashApp. I did not have experience with this app. I preferred XXXX or XXXX. The customer had experience with CashApp and supported them. I sent her a payment request for {$380.00}. Cash App removed the money from her account and never placed in my account. They then said my credit limit needed to be increases to accept the transfer. I had to ask her to send {$420.00} which cash app said they would replace into my account plus the original {$380.00}. This was done on both buyer and seller side. I then had to verify my identity which I did. Sent them drivers license and SSN. 72 hrs later i am out {$800.00}. Cash App has been unresponsive
Product: Credit card

My Amazon Store Credit Card with Synchrony Bank was closed by the creditor due to having XXXX returned payments within a 12 month period. However, I contacted Synchrony Bank to advise XXXX of the payments in question XXXX was returned due to no fault of my own ; but my debit card was compromised because of fraud. I got a letter from my bank as they requested to confirm these details, but they refused to re-open my account AND more importantly they have now reported my account closed by creditor which has effected my credit rating.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a call from a man claiming to be from chase and asked if I had made a wire transfer. I said no so he walked me thru what he said was a reversal and had me note rev on the wire. I told him I wasnt comfortable and he told me to verify the number he called from was the number on the back of my chase debit card which it was. The wire was for {$3500.00} and a {$25.00} transaction fee. Once I realized I had been scammed I contacted chase on XX/XX/XXXX. Their wire fraud only communicates thru secure message on their app and they stated that the receiving bank, XXXX XXXX required a letter on indemnity. I was instructed to contact customer claims and ask that a letter be drafted and sent to XXXX XXXX. I did this on XX/XX/XXXX and was instructed to call be on XX/XX/XXXX to confirm the letter had been sent. When I called I was told that the letter had been drafted. I called again XX/XX/XXXX and was told that Chase no longer drafted such letters and it had been several years ago that they had stopped. I contacted thru secure message the wire fraud team and was told to once again contact customer claims. During this time period I had received 20 plus fraudulent calls from phone numbers associated with chase and I have had to shut off multiple debit cards over the last 3 months in fear of my card info being stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I am an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED CERTIFIED MAIL TO THE CREDITORS ASKING THEM TO REMOVE UNAUTHORIZED INQUIRIES DUE TO ID THEFT I EVEN SUBMITTED A POLICE REPORT TO NO AVAIL
Product: Credit reporting or other personal consumer reports

These inquires show on my credit report and I did not authorize for them to be done. I have provided the inquires and the date the inquiry was made. I have filed an identity theft report in order to get this resolved. 
XXXX XXXX XXXX Date : XX/XX/2023 XXXX XXXX Date : XX/XX/2023 XXXX XXXX XXXXXXXX Date : XX/XX/2023 XXXX XXXX Date : XX/XX/2023 XXXXXXXX XXXX  Date : XX/XX/2XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent original cfpb complaints # 's : XXXX XXXX XXXX concerning inaccurate and incomplete items on my credit report. That was XX/XX/XXXX, I also sent a follow up letter XX/XX/XXXX asking for physical verification of the following accounts. 
Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
XXXX XXXX XXXX {$840.00} XXXX XXXXXXXX XXXX {$3300.00} XXXX XXXX XXXXXXXX XXXX XXXX {$3100.00} XXXX Bank XXXX {$1500.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX Bank XXXX Inaccurate Late Payments It's been more than 30 days, attached is the original letter sent to the bureas.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estopped by the silence engelhardt.v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please REMOVE THIS ACCOUNT BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER ) Bankruptcy XXXX  XXXX XXXX Please remove these Inquiries XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hard inquiries do not belong to me. TransUnion would not help or take care of removing hard inquiries after repeated letters and telephone calls and its negatively affecting my credit. 

Name Date of Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

EndPoint Resolution Servcies, LLC located in XXXX, New York is allegedly attempting to collect very old debt that is time-barred in the State of California. They have not provided any written verification of said debt, but have continued to make phone calls to me, my place of employment, family and friends. This company, through various " civil processing department '' representatives, indicates that I will be receiving court summons in the next 24 hours unless I contact the debt collection company to resolve the matter. They call using various robot phone numbers and their threatening voice mails have been retained. I have asked the company to cease all debt collection and abide by the laws of the Fair Debt Collection Practices Act, which they continue to ignore. Most recently, they called me, my family and friends on XXXX  leaving threatening messages as well. Despite their threats of court summons the past few weeks, no one ( as of yet ) has provided such summons. I have blocked their number ( s ) going forward and sent the email attached. This seems like an elaborate scam and attempt to extort money. Phone # s they have used are : XXXX, XXXX. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX dba XXXX office manager XXXX, billed to our Care Credit/Synchrony Bank Account for work that was to be done in the FAR future, not within 30 days. This work has still not been rendered, but they are STILL expecting us to pay for. XXXX told us that we were signing as ESTIMATE to lock in the prices, NOT they it gave permission to bill our Care Credit card. After this, they fired the Dentist I HIRED to do the work. I asked that ALL charges for servies not rendered to be refunded immediately, as I was going to follow XXXX to wherever he went to. XXXX REFUSED, stating work HAD been done. I asked for my file to be sent to me, XXXX never did. I filed a dispute with Care Credit. Care Credit sent me the information that XXXX sent them ; in this packet of information, was ALL of my PERSONAL information that I had asked for & XXXX refused to give me. In this was my Patient Ledger AND ALL the Clinical Notes with my personal information!!! I did NOT give XXXX nor XXXX my permission to release ANY of my personal information!! This is in DIRECT violation of HIPPA!! Once I got all this information, I compared the Patient Ledger to the Clinical Notes, figured out what was ACTUALLY done & then paid accordingly. Care Credit & XXXX REFUSED to take the bogus charges off the account. I ca n't get any more dental work done until the charges are removed. I XXXX. This is causing MANY issues with my health & well being & my relationship with my husband. I HAVE PROOF THAT THE WORK THEY ARE BILLING FOR HAS NOT BEEN DONE!!! I REFUSE TO PAY FOR WORK THAT HAS NOT BEEN DONE!!!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Bank : Wells Fargo Wells Fargo send me a letter dated in XX/XX/year> where after a recent review of my account thet determine additional information is required with compliance with US legal and regulatory requirements including US sanctions on XXXX. 
They requested with a threat of restrict or close my account. 
I immediately call Wells Fargo and demand an explanation of this letter after more than 20 years of doing business. I even said very loud that I AM US CITIZENS OF THIS COUNTRY AND TELLING THE TRUE, KNOWING I WILL COMMITS PERJURY IF I LIE TO YOU. I did it knowing they are recording my conversation. 
They insist in my documentation still. I also remind then that THEY are not immigration department and my status had been established with the US more than 30 years ago. 
Is also insulting to receive a XXXX Declaration along with the paperwork they send. This document open a wound that was closed many years ago when I made the decision to leave my Island and takes refuge in US. A place that receives me open arms, a place I learn to love and respect, I place that shows me the meaning of freedom and liberty, a place that today I called Home. 
In over 20 years they never requested anything and they never have issues with my payments. 
After such a long time of doing business with them I feel totally discriminated by this institution and this have to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 open paid perfect XXXX XXXX auto leases. XXXX XXXX has not reported my payment history on the accounts since XX/XX/2017. They inform me they stopped because they went to a new record keeping system and because of technical problems they quit reporting to the credit bureaus. My score went from XXXX to XXXX as a result. I'm in the process of trying to secure a mortgage. Obviously my interest rate is being negatively affected. Transunion says their system records the lack of repOrting as a serious delinquency. XXXX XXXX was absolutely no help and Transunion wasn't much help either. I don't understand how XXXX XXXX can do this. I have talked to several other people who are experiencing the same treatment as I am. Any help wI 'll be deeply appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Goodwill Letter to Capital One In XXXX of XXXX, I filed for bankruptcy, I was discharged in XXXX of XXXX. The Capital One account still appears on my credit report which reflects the account once been in bankruptcy. Since my discharge my credit has been in great standing. Please delete the old Captial One account that dates back to XXXX, from my credit report in good faith as a good will. Please consider my financial future and the hard work I have put in establishing my credit once again.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately 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