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

I submitted a dispute to XXXX, Equifax, and XXXX well over 30 days ago. I still have not received an update or had the unauthorized accounts removed.
Product: Debt collection

I sent out two letters asking the debt collectors to validate this debt I havent gotten any response. The only thing I keep getting in the mail is how to pay it. They stated they couldnt sue me because it was so long ago but I dont have proof or knowledge of this debt. The Debt was only removed from one credit bureau id like it removed from all
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account 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 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Bank of America misappropriated 2 months of XXXX of my properties/mortgage payments when they bought Countrywide. Ultimately, with the help from an attorney, the properties came out of default, my credit was cleared, or so I thought, and this was in 2010. Now, I 'm getting ready to refinance the XXXX properties in which I finally have equity, and the exact language on my credit report shows the following language : " Status/Details : This item was updated from our processing of your dispute in XXXX 2010. '' Of course, the new lender wants this off my credit report. So I called Bank of America who told me to write a letter, which I did, requesting them to have the credit agencies delete that language. I followed up with a phone call, indicated by the person I spoke to on the phone. He told me that the address I send the letter to ( overnight mail ) does n't have any phones, so I ca n't call them to follow up in XXXX XXXX. He ( XXXX ) is located in XXXX Arizona. I asked him ; " what can I do? '' He told me ... .you got it, " send a letter to the address in XXXX XXXX XXXX '' I told him I already did, and he then proceeded to tell me they 'll have to research it, and that this could take between 28 and 30 days ; which I do n't have. 
So, my question to you is : If Bank of America is requiring I pay everything on time, which I do, did, and would continue, how come they are n't available EVER to answer my request. 
I can not tell you how incredibly frustrating this is. I hope they all go under in my life time. Sick of banks and the power they hold over small, really good consumers like me. 

Now, my question to you, what can I do? What will you do? or ... ... should I just take another XXXX and forget about it? Eagerly awaiting your answer,
Product: Mortgage

Shellpoint, agreed my account would be properly notated and no issues would arise back in XXXX of 2020. My bankruptcy is over with. They continue to not fix my account. I've filed numerous complaints against them, diech, and greentree. They are continuing to harass my bankruptcy sending him my mortgage information. He has sent numerous letters my bankruptcy is over with to stop sending him my mortgage information and payments. Now it's become mail fraud and violation of court agreements. Between their attorney XXXX XXXX and me. He was also, greentree and Ditechs attorney giving him insider information. Since, Shellpoint can not honor the agreement we agreed upon and their attorney promised I would not have anymore issues out of the. I request they send me my title, payment for emotional distress and anxiety
Product: Credit reporting or other personal consumer reports

Ive applied for credit card at XXXX, Capital One and XXXX but they all denied me and they couldnt give me any better reason for that too.
Product: Credit reporting or other personal consumer reports

Many times I've mentioned being a victim of XXXX XXXX. You must remove/block any items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the consumer 's identity ; ( XXXX ) a copy of an XXXX XXXX report ; ( XXXX ) the consumer 's identification of such information; and ( XXXX ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX ; XXXX XX/XX/2023.
Product: Credit card or prepaid card

My child received an offer, in his name, with my address but the wrong zip code to get a payment card. My child is not working and is not age XXXX to receive a credit report. I'm concerned about why & where this company received his name and why they are sending him these offers. I'm also concerned about identity theft of my child 's identity.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : 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 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 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: Credit card

I received a solicitation from one of my old credit cards, Chase Slate 0 % promotional rate for a year. The usual pitch. Take advantage of low 0 % promotion, transfer balance or large purchases. 
So I bit and once again Chase has bitten me in the XXXX! My first payment is {$610.00} MINIMUM! I have purchased other cards with less balance that I had with this one and the most I have ever payed for a minimum was {$250.00}. Now this is n't the first time this has happened with Chase. They had a class action law suit against them a few years back for the same thing. Before the bottom fell out in 2008 I had a couple of balances with 2.99 % & 4.99 %. I never purchased anything just transferes were put on. well after a few years they upped my minimum from something like {$55.00} up to {$700.00}! I thought i would take a chance with them again because they had gotten sued for that behavior. Surely they would n't do it again. Boy was I wrong How can a credit card company with any conscience tell you to come to them and they will help you with that high balance oh but by the way we 're gon na XXXX on your minimum payment and make it so high you 're gon na find another card to go with and by the way thanks for that {$360.00} balance transfer fee. I 'm telling everyone that will listen NOT TO DO BUSINESS with Chase slate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, you are obligated to investigate and resolve disputes within a specific timeframe. I expect these changes to be made promptly, and I hope we can resolve this matter without further escalation. 
I have previously filed a complaint with the Federal Trade Commission ( FTC ) regarding this issue and have enclosed a copy of that complaint, along with proof of my identity and address. 

Names/ Also Known As : 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 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 Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  : XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Mortgage

XXXX XXXX Dangerous 92 mi Rip Through My Area, Sending a 40 Ft. Sect of Tree Through My Roof, power out, Water heater bust, sewer Pipe bust, Furnace went Out. & XXXX XXXX XXXX mom freezing cold. I Saw an Ad Online HELOC Loan XXXX.per Mo. For {$50.00}, XXXX. My Insurance was Giving Me the Run Around XXXX. Food Is Going Bad. Well I Applied For HELOC & Mo was About To StartWhen A XXXX XXXX took Over Long Story Paper Work Looked Funny, Checks Sent days Before Expiration I Was Told Not To Be issued No Money Passed Hands I Paid County Taxes w Sheriff & House insurance. I Own the House In Question Out Right Now they Want to Forclose for Mortgage I Never Got Or Received
Product: Credit card

Today, XXXX, I closed my XXXX XXXX XXXX from Barclays and attempted to get my annual fee refunded. 

According to customer service agents I spoke to during calls on XXXX, XXXX and other dates, the policy of the XXXX XXXX XXXX was to refund the annual fee if the account was closed within 60 days of the annual fee being charged. 

I requested and confirmed the exact date that this 60 day period would elapse from several different customer service representatives on the above dates. Each and every customer service agent stated that XXXX was my last day to close and receive a refund. 

I closed my account on XXXX, but the customer service agent stated that they could not refund the annual fee for some reason, but that they could open up a " case '' to see if they would decide to refund the annual fee. This case would take anywhere from 45-60 days to process. 

I spoke to a supervisor about this issue who closed my account and provided me with the case XXXX XXXX XXXXXXXX. The supervisor also informed me that the reason they could not refund the annual fee was because the 60 day period began on my " anniversary '' date, which was XXXX, not the " annual fee billing date, '' which was XXXX 

According to her, I could just keep the card since I paid the annual fee already, or she could file the case. I informed her of the previous statements made by customer service representatives and she apologized that they were misinformed. 

I feel that this is bad behavior from Barclays and I can not trust them to operate in my interests regarding the outcome of this case. I filed this complaint immediately after the call to preempt any shenanigans on their part. I have also paid the {$99.00} fee to prevent interest from accruing in the mean time.
Product: Credit reporting

I disputed a tax lien which reporting twice on transunion and both bankruptcy which are incorrect on their dates and amounts. transunion failed to properly investigate these XXXX items and thus i need them deleted per the FCRA. I am really upset that they are not doing what they say they claim to do. 

both tax liens are showing up as paid and i spoke with the IRS and they said they are doing a withdrawal as they were duplicates and incorrect as i was paying my taxes. 
I went to the court house and spoke to the county recorder/clerk and they confirmed they never speak, email, call or fax any credit bureaus yet both bankruptcy are reporting incorrectly. 

this is not the first time i have tried to have these items removed. Please assist me thank you.
Product: Credit reporting

I requested my free annual credit report back in XXXX. I received a report from XXXX and XXXX, but Experian refused to provide it. 

I would like Experian to fulfill their obligation to supply a free report.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX  Original Creditor : XXXX XXXX Balance : {$470.00} XXXX XXXX Original Creditor : XXXX XXXXXXXX Balance : {$75.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX : {$130.00}
Product: Credit card

Synchrony Bank XXXX XXXX XXXX, XXXX, XXXX  XXXX Dear sir, I have received an email from your company, Synchrony Bank branch addressed XXXX XXXX XXXX, XXXX, XXXX  XXXX on some inquiry about a sales receipt ( s ). Since I have not sent any request or inquiry on a sales receipt ( s ), your company must have received somebody who claim himself/herself, XXXX XXXX , and tried to get some personal information, purchase history ; therefore, I request you will investigate this matter and give me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TRIDENTAM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TRIDENTAM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

debts are still reporting in the credit file. however, debts were paid back 2013 as part of settlement.
Product: Checking or savings account

On Saturday, XX/XX/2022 at XXXX XXXX  I made a cash deposit to a Chase Bank ATM located at XXXX XXXX XXXX, XXXX XXXX NY. 
I inserted into the ATM machine XXXX bills of {$100.00} each, for a total of {$1000.00}. During the transaction, the ATM machine displayed a pop-up message saying that there was a problem with the transaction and to call the bank to verify the deposit. The machine also gave me a paper receipt which only indicates a sequence number and refers to call customer service. Being the ATM machine right outside a Chase Bank Office, I immediately walked into the bank to report the issue and ask for help. A Chase representative explained to me that I must call the phone number indicated on the receipt, so I did it from inside the bank. The customer service opened a claim number and provided a {$1000.00} temporary deposit to my checking account while they were conducting the investigation. 
On Saturday, XX/XX/2022 I received an unclear communication from Chase stating that as a result of the investigation they are removing {$610.00} from my account because they found that I should have received a portion of the remaining amount. I promptly called Chase asking for further explanation. The customer representative claimed that it was no evidence that I deposited {$1000.00} and based on their internal calculation they believe I only deposited {$380.00}. The representative also added that based on my banking history I usually don't deposit large amounts of cash and therefore that transaction seems anomalous for them. No other information was provided to me and Chase stated that the investigation is closed and I will be only accrediting {$380.00} to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year I'm asking XXXX  and XXXX to VALIDATE the " Alleged LAte Payment '' on my account but they never investigated it. Account show as " verified '' since XX/XX/2020 but it's not ACCURATE and there's another error in the PAYMENT HISTORY that was never VALIDATED VERIFIED or INVESTIGATED and it hurts my SCORE and rEPORT. 
I've sent at least 12 letters with my personal identifiers since XX/XX/2020 and never got a letter back for the bureaus with results, or the creditor about the account. 
Also Have a PAID COLLECTION on EQUIFAX that still reports BALANCE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX XXXX XXXX XXXXByrider in XX/XX/XXXX. I noticed om the contract that too manypayments were listed on the contract. I contacted the dealership and told them and they told me to bring the car back to sign a new contract. When I arrived they told me that my {$600.00} down payment was not enough and that I had to put down an additional {$600.00} and that I needed to sign additional documents. I refused and gave them the vehicle back. 
The car was not reporting on my credit at that time. 
2 weeks later, I received an alert displaying a new account from JD Byrider with a {$12000.00} debt. 
My down payment was not returned by the dealership although I returned the car within 5 days. 
Now this new auto loan is displaying on my credit report which is preventing me from obtaining an auto loan as well as a loan for a home. 

I have sent a cease and desist letter to the dealership ( which has been ignored ) as well as contacted the Illinois Stated Attorney. 
I have disputed this account with all 3 credit bureaus and this account still has not been removed. 
I am at my wits end!!! 
Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

The company received my disputes on XXXX. It is now XX/XX/XXXX and I've yet to hear back from the company, The FCRA gives the company 30 days to respond, but I have not gotten a response.
Product: Money transfer, virtual currency, or money service

Coinbase close my account and keept my funds and there is no way to recover them, support just give automated answers but I cant access my acount.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was stunned to find inaccurate accounts listed, and I cant figure out why. I always monitor my report, but this time, out of nowhere, discrepancies appeared. I refreshed the page, hoping it was just a glitch, but the mistakes remained. This is why Im urging for a careful review of the documents Ive provided so that I never have to deal with this XXXX  again.