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

I had previously written three letters to XXXX and Equifax requesting that they update their records and update my new address, XXXX XXXX XXXX XXXX, XXXX, North Carolina, XXXX. I just wanted one address, one employer, and one phone number listed on my credit report, but these credit bureaus have yet to update my personal information. I'm attempting to secure a loan, but having a lot of addresses listed on my credit report makes me seem less creditworthy and makes me seem unstable.
Product: Credit reporting or other personal consumer reports

i recently reviwed my credit report and noticed that an account that was not reporting accurately i have 3 late payment on an account that i was in fact paid one time the comsumer reporting agencies need to report all information with complete accuracy this account has no been late on payments ive attached a copy of my report to this complains on the following XXXX XXXX XXXX XXXX Account Number : XXXX Please update the status of this account to " paid on time. '' XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please update the status of this account to " paid on time. 'XXXX XXXX XXXX XXXX XXXX Account XXXX Please update the status of this account to " paid on time. '' i now requesting you investigate this account and update these payment to paind on time inmediataly thank you for you understanding and pronpt action
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXXXXXX -Balance {$480.00} - Date Opened XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/year>XXXX XXXX XXXX XXXX  XXXX - Date Opened XX/XX/year> Unauthorized inquiries XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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, credit repair services, or other personal consumer reports

I have never borrowed or done any business with XXXX XXXX XXXX. They have reported a collection account which is revolving amount XXXX.
Product: Payday loan, title loan, or personal loan

XXXX FAILED TO PULL XXXX AND NOW MY CREDIT FILES ARE BLOC KED. THEY HAVE BOTH COLUTED AS DECEPTIVE AND VIOLATED FCRA 15 U.S.C. SECTION 1681g DODD FRANK ACT ETC..
Product: Checking or savings account

I cant get into my account due to issues with Ally 's accounts and servers. Apparently they have been merging systems for several months. I will provide documentation once the system grants me access. In XXXX there was an issue with a valid transaction were they cancelled the payment. I paid the vendor with a second separate transaction to insure they were compensated for work completed. The amount was refunded to my checking and I was under the impression the issue was resolved. In XXXX they took the amount out of my account without correspondence or communication. When I tried to call and resolve the issue I was given the runaround. During this experience I endured several calls and transfers to different departments and found out that the bank was attempting to merge several systems and was having problems. When I asked to speak to a member of management I was deflected and told that they would put in the request but that notes were on the account. Fast forward to today, they representatives on the call said that I had to be referred to the fraud department even though there wasnt a disputed charge on my account or incidents of fraud. When on the phone I answered several questions and then the system hung up on me three times. When I informed the representative they couldnt do anything about it but would note the account. I also requested a member of management call me back about this ASAP. As a XXXX XXXX  veteran I dont have an excess of funds for the bank to arbitrarily take from my account. I know in the state of Florida there are statues and laws on the books that make this action illegal and criminal. What can you do to help me with this organization? 

The initial transaction occured on XX/XX/year> IN XXXX XXXX XXXX , NV , USA XX/XX/year> Prov Credit for Dispute XXXX - XXXX Second payment XX/XX/year> IN XXXX XXXX XXXX XXXX XXXX , NV, US {$650.00} The bank transaction occured XX/XX/year> Withdrawal for {$650.00} Last return of the funds on XX/XX/year> My card was frozen on XX/XX/year> I am being harrassed by my financial insititution and prevented from accessing my funds. No amount of communication or calls have resolved this issue. Please help
Product: Checking or savings account

I have tried connecting my onc account to my business accounts, XXXX  and XXXX  and pnc will not connect them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$510.00}, {$14000.00}, {$290.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$510.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

3. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$290.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the following bankruptcy that needs to be removed in my file : XXXX XXXX  Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX  Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my XXXX  Report on XX/XX/XXXX and 5 fraud charges are on it that do no belong to me and there are some co signers on some..I XXXX XX/XX/XXXX {$6500.00} XXXX XXXX XXXX XX/XX/XXXX {$150000.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX  {$10000.00} XXXX   XXXX XXXX {$8900.00}
Product: Credit reporting

they put tax lien on my report and then removed it and then put it back on my report again
Product: Credit card or prepaid card

Regarding Wells Fargo card account number XXXX On XX/XX/2020, I called the creditor in reference to the above account regarding the debt that I owed them which was on my credit report. I reached an agreement with Wells Fargo to settle the account for XXXX which I gladly paid at the local branch as I needed proof of payment. Wells Fargo has not kept their end of the agreement in that they failed to provide written notification on the account status to me and to the credit bureaus. The file in question continues to report negatively on my credit report which is at this time affecting my ability to purchase a home. 

On XX/XX/XXXX I called Wellsfargo to follow up on the letter and the agent informed me that the letter will be in my hand on XX/XX/2020. 

Today on XX/XX/XXXX, I placed another call to WellsFargo as a courtesy follow up as they have not kept their end of the agreement, their agent XXXX stated that the letter can only be faxed or sent out via US Mail and I questioned him about having the letter sent over via secure email after which he could not answer the questions that ensured. He then transferred me to their Executive Office representative by the name of XXXX who stated that they would open a case file and rectify the matter by XX/XX/2020, which is way too late as it will hinder my closing. 

On XX/XX/2020 @ XXXX, I received an email from a XXXX who stated that she was the one assigned to handle the case and when asked about when the letter would be made available and why the payment has not been reported to the credit reporting agencies she did not have an answer for me instead she stated that she has until XX/XX/2020, which is not going to work as the terms of the agreement were that they would have the information updated by XX/XX/2020, which as since passed at this time. 

This is an urgent matter which Wells Fargo needs to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions I have disputed the incorrect account information reporting on my Experian credit file. Experian is showing a closed XXXX XXXX account that has late payments and a closed XXXX XXXX   account that has late payments. I have never been late on payments to any of these accounts. Furthermore, XXXX  and XXXX  have the exact same accounts reporting and they are reporting accurately with no late payments.
Product: Credit reporting or other personal consumer reports

Comprehensive Claim {$1000.00} or less on XX/XX/year> Listed on CLUE This was not me and is inaccurate.
Product: Credit reporting or other personal consumer reports

It is with great certainty representatives from TransUnion lack proper experience to navigate the laws governing credit reporting and FCRA laws. I've submitted a Federal Trade Commission Report detailing fraudulent accounts and furthermore asking all fraudulent accounts be cleared from credit file. Now, other credit agencies such as XXXX and XXXX followed the laws for identity theft victims and they clear all fraudulent accounts according to Federal Trade Commission Reporting. On the other hand, TransUnion continuously hasn't followed lawful request for identity theft victims, such as I. There negligence caused me to suffer with family financially. This whole situation will somehow lead to punitive and compensatory damages on there part. Thank you.
Product: Credit reporting or other personal consumer reports

I used to subscribe to a family credit monitoring service by Equifax for many years. Although Equifax was hacked in XXXX, I decided to keep my subscription. 
In XXXX of XXXX, I called customer service and asked for help adding a two-factor authentication step to my login to improve the security of my account. After a long conversation, I was told that Equifax does not offer that feature! I told the representative that even my XXXX email account has that feature! You would expect a credit bureau to have the highest cyber security levels, at least more so than an email platform! I asked the representative to raise my concern with Equifax leadership and get back with me. My concern was never addressed and I decided to terminate my subscription. I can still log into Equifax to manage my credit security freeze, but I have much concern about the security of my account without the two-factor authentication. The other credit bureaus ( XXXX and XXXX ) do have that added security feature, which is appropriate. I think Equifax must improve their online security to meet the modern day cyber threats! I receive notifications from XXXX about cyber breaches that may affect my personal information at least once a month! Every organization is getting bombarded with cyber attacks! It is simply unacceptable for a credit bureau to have lower standards of cyber security than my email account! That's just wrong!
Product: Mortgage

Recently my taxes increase about XXXX and this is increasing my payment a XXXX dollars. I have filed a appeal with XXXX County for the taxes and they have over excess the property. Essex Mortgage is refusing to honor my request to extend the shortage 60 months max which is allowed by FHA. This will give me more time for the county to process my appeal and lower my taxes and will also help with the payment increase. They are constantly brushing me off with my requests or ignoring me. The has been a XXXX  with this new servicer and they are not promoting homeownership. In this day and time they should understand that a XXXX dollar increase to your payment is not easy to come by. They should also follow FHA guidelines that says I can extend the shortage by 60 months. Please help me get this done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with the credit bureaus in regards to several accounts listed on my credit report. On XX/XX/2022 I sent in off a investigation letter to check the accuracy of the accounts on my report and to make sure my accounts were properly investigated and 100 % accurate. The credit bureas reported that the following accounts were accurate XXXX XXXX XXXXXXXX {$1700.00} {$340.00} {$4900.00} {$3000.00} {$5100.00} {$5200.00} {$2500.00} {$2600.00} {$1200.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXX XXXX The credit bureau violated ; 15 usc 6802 section A, B, and C ; 15 usc 1681 a section i ; 15 usc 1681 section b. The law clearly states that a consumer reporting agency can not furnish a account without my written instructions. I havent given any written permission to furnish these accounts on my credit report. I am asking for a removal of all accounts listed.
Product: Bank account or service

I have had some problems with PayPal in the past, and submitted these to this website. Now I have a " Compliance '' department asking for documentation that I have provided on XX/XX/2017 and the account limitation has not been lifted. I feel this may be due to the fact that I reported them to you and to the IRS for another issue I had with them. Now they are using their Monopoly agreement with eBay, and some obscure rule they choose to apply to those they wish to be rid of to freeze my account and destroy my business. I have complied with their requests, and the refuse to remove the limitation. This extends to my secondary account for my website and the account for my eBay consignment. The website does not have a sale yet, and the company information is the same across both accounts.
Product: Prepaid card

On about the XXXX of XXXX or XXXX, ... .I purchased a Vanilla Gift Card XXXX  XXXX for one of my nieces, ... .sent it to her to use for various things, ... ... supposed to be automatically activated when you purchase and add money to the card! She could not use it anywhere,... so, I had her send it back to me, I had to send her father cash, which he got to her. When I got the card back, ... ... went to the website, I submitted the information needed to get a balance, ... ... .it read that there was {$190.00} on it, ... ..instead of the {$250.00} I had sent it to her with. I was able to use it for something, and, for some reason, from then on, I was not able to make any purchases again. I went back to the site, ... ... the card had been hacked, and used for a {$75.00} purchase in XXXXXXXX XXXX ... ..which I had never been to. Had to call the card number, have it looked into, ... ... they sent me a replacement card, and, when I went to activate it, ... ..there was a XXXX balance! I had to call them again, ... ..somehow, while the card was in transit, ... ..it had been hacked, yet again, and had a XXXX balance! Yet another claim to look into by these people,...... I have had to call, or, go to the site, more times than anyone should have to!
Product: Debt collection

I have a debt collections on my credit report from SOURCE RECEIVABLES MANAGMENT, in the amount of {$560.00}. It turns out it is from XXXX. I have never used T-Mobile. I contacted XXXX. The first time they said it would be taken care of as there was never an account used. The next time they said there was nothing they could do because it was in collections. I stopped in a local store and they couldn't do anything and told me I should file a police report. I just need this removed from my credit report. Any help/assistance would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in several certified letters to all XXXX credit bureaus notifying them that there was incorrect information on my credit report as inaccurate accounts, inquiries and personal information. I only received bogus verified letters from all XXXX bureaus. I recently checked my credit confidently knowing that the inaccurate accounts, inquiries, and personal information we 're removed from my credit report. I also gave an ample amount of time for the creditors and credit bureaus to correct themselves. I 've given the credit bureaus ample amount of months to correct the errors but yet I still see there was no progression or any attempts made to correct this errored information off of my credit report. Both the credit bureau and creditors broke the law without getting any consent from myself, and I have n't received any documents with my signature verified. Many of the FCRA laws we 're broken in this incident, my next move is to file a lawsuit against all XXXX credit bureaus. My name is associated with several XXXX XXXX living today and I noticed that I have several social security numbers that are incorrect, addresses, accounts, inaccurate errored student loans which are n't mine, other accounts that are n't mine as well. The creditors along with the Credit Bureaus have cost so much problems for me because their inputting errors on my credit file which is making my life a living XXXX.
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. 

EXPERIAN 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 has violated my rights . 

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 XXXX XXXX XXXX violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 


I looked at my Experian, XXXX XXXX XXXX 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: Debt collection

Called at XXXX. Also calls 6-8 times per day from different numbers
Product: Debt collection

collector didn't send me notice within 5 days of starting collection and wrecking my credit NOR provided validation of the debt despite my attempts- while telling the bureaus it was correct.
Product: Debt collection

The collection company only sends the amount of the debt but not the breakdown of the amount owed, and the dates the money was owed. The XXXX XXXX XXXX has also requested this information on numerous occasions on my behalf. I went to the apartment complex office to see if I could get this info and was told that a new managing company now manages the property and they don't show a balance owed in their system. The law offices of XXXX and XXXX ( that represented the apartment complex ) said that they sent the proof of payment to the Managing company they had on file but the apartment complex has not updated with the XXXX courts. XXXX and XXXX XXXX offices no longer represent the XXXX XXXX apartments.
Product: Mortgage

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit card or prepaid card

Citi bank closed my credit card without asking me on XX/XX/2020. 

And I haven't gotten any message from them until I submit a complaint on CFPB before, the previous 's case id number is XXXX. 

One of their agents called me, and we have discussed the situation, she was pretty sure even though my account got closed by the bank, and even if reopening is failed, they will still redeem my points for my statement credit. 

But until I called them on XX/XX/2020. Their supervisor from Citi ThankYou Points Center told me, I lost all of my points, but this is really ridiculous.