23daVinci/CFPB_Complaints huggingface dataset:
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 - XX/XX/XXXX - {$520.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$480.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$380.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3100.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$750.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$970.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$680.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$890.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX {$880.00} XXXX - XXXX - XX/XX/XXXX - {$650.00} XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$650.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$1600.00} XXXX XXXX XXXX - XX/XX/XXXX - {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$900.00}
Product: Credit reporting or other personal consumer reports

I have asked all creditors for over 8 months to validate debt, Send me a payment ledger. I have asked how was any accounts validated. The credit bureaus have been ignoring me. They have taken up to 75 days to answer any disputes. The Outdated, Inaccurate, incomplete, not my account, or responsibility ( No Contractual Proof ). You NEED to PROVE IT or LOSE IT from my credit report. 
I am writing this letter to your company in unproven reportability with just that, assumed information you are reporting that you believe is correct. Let me ask you this? Was this information justified and did you ask for proof? If so, I DEMAND the proof to be mailed to me immediately if this information shall remain. These are obvious infractions of the FCRA or FDCPA : XXXX XXXX  Account : XX/XX/XXXX XXXX XXXX  Account : XX/XX/XXXX XXXX XXXX Account : ( opened XX/XX/XXXX ) XXXX XXXX Account : XXXX ( opened XX/XX/XXXX ) XXXX XXXX opened XX/XX/XXXX XXXX XXXX  Account : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX payments in XXXX XXXX IL, XXXX, IL XX/XX/XXXX XXXX XXXX  Account : ( opened XX/XX/XXXX ) XXXX XXXX XXXX : ( opened XX/XX/XXXX XXXX XXXX XXXX  Account : ( opened XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Opened XXXX All XXXX  bureaus I have never lived at the address on the file for this creditor that has been removed under another collection name in XX/XX/XXXX. 
XXXX XXXX Account : XXXX ( opened XX/XX/XXXX, only on XXXX and Equifax )
Product: Credit reporting, credit repair services, or other personal consumer reports

The account reported by XXXX XXXX XXXX, for the amount of {$290.00} being a medical collection came back as being verified as belonging to myself. There is no provider evidence that this account belongs to me therefore should not be reported on my credit report. XXXX has already deleted the account from my report due to unverified information!
Product: Debt collection

First things first, i dont believe that this company employs one respectful person. On XX/XX/2020, I called the company to pay my debt in full. I made sure to ask that a receipt be emailed to me, and was reassured that one would be sent between 24 to 48 hours. The full balance was taken out of my account, and I have yet to receive any confirmation or receipt that states my debt has been paid. I need this so I can apply for an apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies such as ( XXXX XXXX, equifax, XXXX, XXXX XXXX, XXXX XXXX, etc ) are reporting accounts, dept, and public records on my personal credit reports that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint revolves around the procedure of the supposed employees of the Equifax Credit Reporting company. I believe there are scam artists working within the company. Each time I was given a new number to call, the same voice answered the call and asked for more secure information. The calls were all out of the Country. I was trying to dispute an incorrect report on my account. I left my phone number, and the call was returned with one of my old cell phone numbers. Please help me to end this action. Thanks.
Product: Debt collection

I am being billed for a charge of {$340.00} that I do not owe. I contacted Equifax to investigate and instead of them correcting it, they " acted '' as if they were conducting an investigation and did absolutely nothing because it still appears on my credit profile and has negatively impacted my credit score. My score has dropped by XXXX points due to this erreonous charge.
Product: Mortgage

Dear Sirs, I have a Home Loan Mortgage, and Home Equity account with Wells Fargo Bank. Recently, Wells Fargo updated their online presence by offering access to my personal Credit Score. I was shocked in seeing my score a full 56 points lower than it appears on my XXXX score. I have submited complaints to CFPB in the past concerning the questionable tactics used by Wells Fargo, specifically as they apply to the Home Mortgage Division. Briefly, in 2012, following a mid-management job loss, I approached Wells Fargo for some help in lowering my monthly obligation of {$2100.00}. The bank immediately decided that I belonged in their " Home Preservation Program ''. This was the greatest financial mistake I have ever made, and I have been paying for this involvement ever since. Wells Fargo was literally filled with false promises, delays, lost paperwork, you get the picture. After 8 months of " lies '', I was denied inclusion as my household income was deemed " Too High ''. I concluded that the bank was aware of this factor from the begining, and as the monthly obligation became increasingly difficult to meet, my Credit Score plummeted into the low 500 's. The only area where the bank excelled was in reporting late payments to the Credit Bureaus The Bank continues to report a negative standing on the two accounts, siting late payments even though this has not been an issue for over two years!! 
I focused on rebuilding my score, and was pleased by the results cited on my XXXX file. The latest entry lists my Score at 745. To view only a " fair '' rating on Wells Fargo 's site has prompted me to action. I have submitted a complaint to Wells Fargo, and am awaiting their response. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX IL XXXX ] [ XXXX ] [ XXXX ] [ XXXX XX/XX/XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] XXXX XXXX XXXX XXXX ] [ XXXX, TX XXXX XXXX Dear [ XXXX ] XXXX I am writing to dispute the accuracy of the information related to my personal data that was compromised in the past two data breaches at your company which occurred in XXXX and XXXX. I reached out in XXXX when I initially added a security freeze on my credit report. I noticed inaccurate information and it was removed and now it is back. When your company informed me my information was compromised, you all merged my credit file with my Grandmothers which we lived at the same address and carry the same name and offered free credit monitoring, all inaccurate information was removed. Upon pulling my credit report I found the following inaccuracies we reported back on my credit report and I am disputing the following information : Inaccurate address XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX DUE TO THE ACTIVE CEASE AND DESIST THIS COMPANY MAY NOT CONTACT ME THROUGH AN MEDIUM WHICH INCLUDES MY CREDIT REPORT. SEEING AS THE COMPANY FAILED TO PROVIDE THE ACCURACY AND VALIDITY OF THIS DEBT WHICH INCLUDES BUT NOT LIMITED TO ALL ORIGINAL DOCUMENMTATION CONTAINING MY SIGNATURE, AMOUT OF DEBT OWED AND SINCE THIS DEBT WAS SOLD TO THEM. I ALSO INQURIED ABOUT THE PRICE AT WHICH THE DEBT WAS SOLD. 

MERCHANTS CREDIT GUIDE ADDRESS XXXX XXXX XXXX XXXX XXXX, IL XXXX PHONE NUMBER ( XXXX ) XXXX I was notified of the data breach on [ XXXX ] and have since taken steps to protect my personal information. However, I am concerned that the breach may have resulted in inaccurate information being reported about me. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information and request that it be corrected. I request that you investigate this matter and correct any inaccurate information related to my personal data. Please provide me with the following : A description of the procedures used to verify the accuracy of the information A copy of the information that was compromised A statement indicating whether any inaccurate information was reported I would appreciate it if you could expedite this matter and correct any inaccurate information as soon as possible. Thank you for your attention to this matter. 
Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I opened the Nissan motor acceptance corporation trade line in XXXX. The first delinquency was reported over seven years ago in XX/XX/XXXX. Per FCRA, a consumer has the right to dispute items on their credit report that are inaccurate and outdated. When I settled the balance, it was advised it would be reflected as paid and cease negative reporting. Per my settlement, I expected this account to be deleted. Since, Ive found derogatory information on my credit report that is inaccurate. I requested that the derogatory information be removed as it violates the Fair Credit Reporting Act and the credit furnishers are ignoring my requests and not providing details of how they verified the account. Also, when Ive disputed the information, it re-aged on my credit file as if its a more recent delinquency which further brings down my score. The furnisher and credit reporting bureaus are acting unethically, unlawfully and willfully engaging in wrongdoing. The FCRA laws that has been violated is : Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report bad credit information is removed after seven ( 7 ) years. FCRA Section 6:05 B, it is illegal to report information on my credit report. without my permission. According to the Fair Credit Reporting Act 15 USC 1681 section 602 it requires promptly modify or deleting the information, or block its reporting. In Section 623 ( b ) ( 1 ) ( E ) and Section 623 ( a ) ( 5 ) If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer 's file. With that all considered, this file should not be reported on my credit report. It passes the statue of limitations and violates the law. The trade-line has been deleted on XXXX credit report, except for on the XXXX and XXXX reports XXXX
Product: Bank account or service

I was a victim of fraud. A woman contacted me about buying cosmetics thru my site. She sent me a cashier 's check but stated that I was mistakenly sent the entire amount of her paycheck ( {$2400.00} ) instead of the cost of product ( {$580.00} ). She asked that I order the product for her & send the remaining balance ( {$1800.00} ) to her via XXXX or transfer. I received the cashiers check, it was from a valid credit union, and I deposited it into my account. The funds were made available immediately. The next day, I ordered the product and then did a XXXX to XXXX transfer of {$1800.00}. Yesterday, Bank of America reversed the check out of my account since it was found to be fraudulent. I filed a police report and requested the bank 's help in having the money funded back into my account since they cashed the check. I was told that due to my good standing relationship with the bank, they made the funds available immediately but when the check was found to be fake, they reversed the deposit. They will not refund my money because I was the one who deposited & then used the money in the account. I asked them how I was supposed to know the check was fraudulent when they cleared it and made the funds available. They told me to file a police report, go after the person that sent me the check and that there was nothing else they could do. They then proceeded to charge me overdraft fees! My account is currently in a negative state and I have no money to buy anything. I can not buy groceries for my family or gas for my car. I closed XXXX accounts with BofA and the online rep actually thanked me for being a valued client! I have filed a report with the XXXX Police Dept but have been told the likelihood of finding the criminal is slim. I do n't know what I will do but I want to make sure that Bank of America does not get to treat another " valued client '' in the same manner. There was no way that I could have known that check was fake. They told me that if I had n't used an ATM to deposit the check, it may have been caught! I get CHARGED a fee if I go inside to a rep since I have an Online banking account, so why would I bring a cashiers check into the bank, which was closed at the time anyway. I do n't know if I 'll get any resolution to this situation and I do n't know how I will get through the next 2 weeks before I am paid again but I do know that Bank of America acted just as criminal to me as the person that perpetrated the scam and I do n't want them to do this to anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 CIC credit ran my credit report without my permission. I need this turnover from my credit report
Product: Credit card

After missing a single payment on my Bank of America credit card, my account was marked as Suspended. When I log into my account, I see the following message : Your service account has been suspended because we were unable to withdraw funds from your payment account. You will receive an email or letter in the U.S. mail about the returned payments. For info on reactivating your account, call XXXX. Because your account is suspended, you are currently unable to use all of Bill Pay 's features.

This suspension has made it nearly impossible for me to access my account to make payments online or through the mobile app. Each time I try to resolve this by calling customer service, I encounter long wait times, and the issue remains unresolved.

As a result, I continue to incur late payment fees and negative credit reporting, even though I have been making honest efforts to pay off my balance in full. It feels as though Bank of America is forcefully keeping me in debt by restricting my ability to make payments easily. 

Steps Ive taken to resolve the issue : I have contacted Bank of America customer service multiple times to try to resolve the suspension and regain access to my account.

Despite my efforts, I am still unable to access online or mobile banking features, making it extremely difficult to manage my account or avoid further penalties. 
The impact on me : I am being charged recurring late fees, penalties, and interests due to the restricted access. 
My credit score has likely been negatively affected due to the late payment reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX - XXXX XXXX XXXXXXXX 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX XXXXXXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 60 days later, I have not received a response. I feel like I am being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that this ordeal has caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. Transunion, XXXX and XXXX continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX XXXX XXXX XXXX
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 an confidentiality under 15 U.S.C 1681.

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681 c. ( 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 then records of convictions of crimes which any dates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/2024 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I have multiple loans with Navient that totaled more than {$50000.00}. I requested documentation on the loans in the past to determine if the balance is accurate. 
I did not receive the required details on each loan as requested. My loans have increased or skyrocketed in spite of me making timely payments monthly. 
I feel that my current balance is inaccurate even after paying off several of the student loans received.
Product: Mortgage

I applied for a heloc through discover on XXXX XXXX XXXX I spoke with the representative that they assigned to me. Each time she requested documents they were given to her in a timely manner. We discussed my pay stubs and because I dont get the normal paystubs people get with year to date totals she said we needed to do an employer verification form. Which was filled out and returned to them. They had all of the necessary paper and was sent to underwriting. The underwriter never reached out nor did my representative to say they wanted pay stubs. My application was denied instantly. The next phone call I got was a lady telling me my application was denied and that I had to do a new application with a new credit check. All this was in a week period of time. Why would I need a new credit check within a week period. The hard inquiry already dropped my XXXX XXXX. So now the new application is going to go under a different XXXX XXXX within a short period of time. They refused to transfer my credit report to the new application. They refused to tell me why no one reached out before closing the application. I told them to go back through all the recorded phone calls. That did nothing either. Ive talked to numerous lenders and all of them have told me credit reports are good for 120 days and can be transferred from file to file within the same institution. Discover had nothing but excuses to say why they didnt reach out for documents needed during the time frame. It seems like a scam to get people a higher interest rate with pulling the credit again.
Product: Credit reporting or other personal consumer reports

A hacker used my information from XXXX XXXX XXXX  and government site to apply for a credit at XXXX XXXX XXXXXX/XX/2024, and the hard inquiry listed on all credit reporting agencies, XXXX, Experian..