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

Someone in Equifax office added someone elses account Information to my credit file by the name of XXXX XXXX according to all 4 creditors. His and my information are completely different. 

It should not take 30 plus days to remove his information from my credit file. They should be able to see that the name, address, date of birth and most importantly social security number does not match my information. 

When speaking with the creditors Ive been advised that when Equifax sends the dispute they do not send any supporting information so the creditors are confirming that the information is valid because they did not provide the creditors with any information that shows who the accounts belong too. I want this rectified. 

I want the below accounts removed from my credit profile and placed on the correct persons profile XXXX XXXX per each of the below creditors. 

Collection Accounts XXXX XXXX acct # XXXX XXXX XXXX  - XXXX Closed accounts Premiere Rental Purch acct # XXXX XXXX XXXX XXXX acct # XXXX These accounts were added between XX/XX/21 and XX/XX/21
Product: Credit reporting, credit repair services, or other personal consumer reports

In ccordance with the Fair Credit Reporting act.. XXXX AccountXXXX XXXX BANKRUPTCY # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX 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 : it also states a consumer repoeting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I applied for a position with the employer XXXX XXXX XXXX XXXX they had me consent to a background check. Three days later I received an email from Checkr. They listed a Nole Prossed charge of leaving a scene of an accident and also stated that they have a nine year old charge of driving with a suspended license. So I called Checkr and spoke with XXXX with Checkr and filed a complaint to dispute these issue. I asked XXXX if she knows what Nole Prossed means and she stated No but she works at a background reporting company and is involved with reviewing peoples background reports. That is very scary and neglent. The worse part is damage is already done. They are exposing me to an employer and causing me to look bad. They have those two items on my report with clearly shouldnt be disclosed to any employer.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. XXXX XXXX XXXX XXXXXXXX "
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPT OF ED / XXXX Account # xxxxxxxxxxx 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. As we enter this attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX A XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I had an auto financed through XXXX XXXX. My husband, unfortunately, had to file bankruptcy and we gave back the vehicle. It is my understanding that it was sold at auction and that the balance was reduced from $ XXXX to $ XXXX. 

The XXXX XXXX installment loan stopped reporting any updates to my credit report since XX/XX/ 2020 so it appears to be stuck at a rolling 60 day late. When we call XXXX XXXX the representatives tell us that I am going to receive a 1099 because the balance is being forgiven which I am fine with but I need the account to be updated on my credit report since XXXX  XXXX is saying I am not able to pay on it as there isn't a balance due by me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Wachovia Bank account XXXX This is an attempt to collect on a time-barred debt. This debt has passed the statute of limitations in Texas and can not be pursued. They are trying to " resurrect '' it by sending this debt collection letter ( dated XXXX XXXX, XXXX ). This debt is from XXXX. After receiving the letter, I was shocked to see I owed money. I know I am up to date with all my loans and credit cards. So I called. Once they verified who I was, that's when they told me it was a debt long past the statute of limitations. I am concerned that by using these deviant tactics, they are trying to threaten me with ruining my credit by re-instating a debt that can no longer be pursued.
Product: Checking or savings account

I ordered some items from a website ( XXXX XXXXXXXX XXXX ) in XX/XX/2021, but they were incorrectly made and not what was advertised. Per conversation with the store, I sent them back in XXXX to get the correct items made and shipped. I was told on XX/XX/XXXX via email that the order would be shipped back to me XX/XX/XXXX from XXXX to XXXX, TX with tracking sent then. Ive ordered from this company in the past and shipping takes 3 to 5 business days maximum. 

I begged them to send my items in time for the event I had ordered them for back in Mid XXXX but they refused to get me the order. I told them I didnt need them after XX/XX/XXXX, and the only acceptable option for holding everything a month past when it was promised, would be a refund. 

I still have no order from them and it is now XX/XX/XXXX. 99 days later. 

I have done everything to work this out with the vendor in time to get the things I needed and they purposely held my items and told me via text that they would not send anything to me unless I first closed the case with my bank, Capital One. 

Capital One told me to keep the case open until I received the correct items to ensure I would get them, and I did that. Capital One told me I was safe to not be charged for the order since I never got it. 

However, somehow the bank has sided with the vendor and charged my account, while I still have not received my order. 

They said the vendor told them we had worked something out. This is false and nothing was ever worked out or received.
Product: Debt collection

I got a message from someone claiming to be a process server. He told me that he has papers in my name and social security number to serve me and that he would be serving me papers at my home or place of employment. He left a toll free number to call back with a case number to reference. I call back and they say they are mediators calling on behalf of XXXX XXXX for a debt that is at least ten years old. A man named XXXX XXXX says say that if I arrange payment that day XXXX XXXX would no longer sue me. They say they are a company called alternative dispute resolution and offer mediation services. They say that if I don't pay on the phone I will be served papers and have to appear in court and will owe 4 times the amount if they take it to court. He told me that XXXX XXXX wins 97 % of cases. He scares me into making a payment plan which I immediately cancelled after I got legal advice. They sent me an email afterwards and the email was not from the mediation company they claimed to be from. It turned out to be from GL Capital Management Company. Never once did they say this was an attempt to collect the debt or send me notifications. He also bullied me by telling me the statute of limitations was not over because they sent me a letter in 2015 ( which I never acknowledged ). He harassed me and threatened to call my employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : Not too long ago, I obtained a copy of my credit report and was shocked to find a credit inquiry by your company that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless U have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry. 

Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. 

I would appreciate your immediate attention to this matter.Kindly forward me documentation that you have had the inquiry removed. 

Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report`. 

I thank you in advance for your cooperation and hope to hear from you soon.
Product: Credit card or prepaid card

My Citi awards account was closed since I have had two payment issues in the last 6 months. I have checked with my bank and this is what seems to be the issue. 
a. I have autopay with Citi to pay full balance each month. I have been doing this for decades with Citi ( same acct since XXXX ) and do it with 3 other cards each month sucessfully. 
b. Citi apparently produces a substitute check instead of pulling the amount electronically. I have images of the checks they have submitted for payment. 
XXXX XXXX XXXX and XXXX the bank rejected the payments since the checks no longer meet the security standards. They told me this is a common issue with Citibank, but not with other companies. 
d. The Citi service center first told me I had to wait for a letter to see why acct was closed ( even though they call me and email me for other stuff ). Tonight I was able to open a case only after insisting I speak to a supervisor. The first agent said he checked with a supervisor about my case and I would have to provide them info to reopen my acct. When I asked for supervisors name, he said " We have a lot of supervisors '', so did he just flat out lie to me about checking with a supervisor? Very unprofessional and shady. 
e. The case id is XXXX filed on XX/XX/XXXX ( I guess its tommorrow at the call center ). She wants me to mail ( again the mail ) in copies of the check that Citi submitted to my bank, a check they produced ( remember I am on autopay, I did not touch the paper checks they are sumbitting. In fact the service center denies they are sending checks to anyone but cant tell me why my autopay is not working every month, or why it works some months. Also I do not want to submit more paperwork to them as it has acct info on it. They should know what they sent to my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus ( equifax, XXXX, XXXX ) were notified and were given a chance to verify and correct bankruptcy information in my credit report. They responded that the information was provided by XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and was given a report that had no information regarding any bankruptcy. I sent the credit bureaus a copy of the report showing that there was no bankruptcy on my file and they still haven't changed this information. I provided the documentation sent and the updated consumer report for someone to follow up. Please have someone manually review my file
Product: Student loan

On XX/XX/XXXX discover student loan withdrawal {$3100.00} from my XXXX XXXX This amount paid off my loan in full. On XX/XX/XXXX they tried to withdraw the same amount and XXXX returned the payment. I spoke with XXXX an alleged supervisor who stated they has no record of receiving funds only returned payment and I said hold on let me call the bank. She goes you have to call back. I called back with the bank on the line. The rep says no payment was received the bank rep says I have the trace number of the transaction. He gave her the trace number and that still wasnt enough the want a bank statement even though my statement closing date is the XXXX. I also have to pay interest will they investigate because its not their fault.
Product: Credit reporting or other personal consumer reports

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

[ Identify item ( XXXX ) resulting from trafficking that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this
Product: Credit reporting

Experian Information Solutions , Inc. violated the Fair Credit Reporting Act sections 15 U.S.C. 1681e ( b ) ( 2 ) and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Experian failed to by its own admittance : ( 1 ) to use reasonable procedures to assure maximum possible accuracy of the information in its credit reports under15 U.S.C. 1681e ( b ) ; ( 2 ) to " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file '' when information is challenged by a consumer under15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Experian Information Solutions , Inc. violated the Fair Credit Reporting Act section 611 ( a ) ( 7 ) DESCRIPTION OF REINVESTIGATION PROCEDURE. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to theXX/XX/XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on numerous occasions via telephone in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also disputed multiple inaccurate inquiries online and via US Mail. They replied each time that all inquiries are factual when in case they are not. I have a fraud alert on my credit report and unauthorized inquiries that I absolutely did not authorize after several failed attempts with Transunion they have not deleted any of the inquiries. I am trying to purchase my first home and having so many inquiries on my report is slowing down the purchase process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX  BANKRUPTCY DISMISSED XXXX CHAPTER XXXX  BANKRUPTCY XXXX XXXX XXXXXXXX {$560.00} XXXX XXXX   XXXX {$560.00}
Product: Student loan

I was misled when I acquired the loan to help pay for my education. The interest rate was suppose to a constant rate however it has fluctuated over the years. A then XXXX loan ended up being over XXXX due to interest rates and forbearance. No options were given to pay at a lower rate. Instead they have given me higher monthly payments that I can not afford. The reporting of this loan is hindering me from purchasing a home. It has now been sold to another company that I am now making payment to.
Product: Credit reporting or other personal consumer reports

Well i have Data Breach letters on my credit report and my stolen funds from my bank account when I visit my grandson birthday party Matter of fact Two occasions I have letters Fraud on my report completely wrong 15 U.S.C.1681s-2 ( A ) ( 1 ) According to 15 USC 1681 Section 604A Section:2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED THE BANKRUPTCY COURT AND THEY SENT A LETTER STATING THEY DO NOT REPORT TO ANY CREDIT BAURES AND ITS STILL REPORTING ON MY CREDIT PROFILE.
Product: Bank account or service

Chase bank are making it increasingly difficult to ascertain the fees and charges they are racking up against my account. Recently, we had a couple of small payments with insufficient funds to cover. Usually, Chase will immediately show a {$34.00} fee for each item. However, they have taken the route of now HIDING those fees and BUNDLING them into XXXX charge as a part of the end of month statement. This is carefully planned by Chase, as it makes the fees very difficult to question or discuss. Often a substantial period of time has passed, so Chase can assume the client has forgotten about the incident, and therefore will not question the fees when charged at a later date. See attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrectly to Equifax ; XXXX   and XXXX a balance in the amount of {$9700.00} on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) Per the agreement with XXXX XXXX, I returned the defective vehicle within the time allowed under the Lemon Law. There is no outstanding balance due and owing and therefore nothing to report. This account needs to report a {$0.00} balance and {$0.00} past due. This incorrect reporting of a balance due is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Product: Credit card or prepaid card

On XX/XX/XXXX my card was charged {$4400.00} when the purchase was {$440.00}. The merchant took my card, entered the transaction, and returned my card without a receipt. OnXX/XX/XXXX my statement read {$4400.00}, at which point i tried contacting the merchant, with no luck. I called my credit card company Bank Of America, and opened a fraud claim, as the amount that was reflected or input by the merchant was fraudulent. I went through the fraud process, and on XX/XX/XXXX was told that because the card was present at the establishment, it was not fraud. I asked them to reopen the case because I wanted to see the receipt with my signature acknowledging the debt of {$4400.00}. I received a call from Bank Of America on XX/XX/XXXX, saying that the case was going to be closed because again, the chip was read and that the card was present. When I inquired about the receipts, they stated that is not what the fraud department investigates, they only investigate if the card was lost, stolen, etc, even though I stated the card was out of my possession when the purchase was made, though it was subsequently returned without a receipt. They told me to open another case with Billing Disputes, which I tried to do on XX/XX/XXXX. When I called them, they told me that there was nothing I could do, other then have them reach out to the merchant for the receipts, which the merchant was not obligated to do. If there was no receipt provided within 60 days, the case would be closed. I asked them to do this, which they then came back and stated that because the CHIP was read at the establishment, they could not make this request. They said that there was no recourse for me for two reasons, one being that the CHIP was read, and two, without a receipt, they would not move forward. I was stunned to learn that the consumer has no recourse if the CHIP is read and a receipt is not obtained. I continued to say that the card was not in my possession when the merchant used it, and that a receipt was never provided. They said there was nothing I could do. I then asked them for an address because I wanted to send a certified letter as proof of acknowledgement that I had reached out to Bank of America to dispute this erroneous charge, with the possibility of litigating. They ( XXXX at BOA ) began giving me a XXXX XXXX , which certified letters can not be sent to. When I asked for a physical address to send the letter to, she said she did not have one. She continued to state there was nothing else she could do for me, that there was no address she had in which she could provide me to receive a certified letter. After much back and forth, I moved on to this course of action, submitting this to CFPB. WIth no recourse, and no help from those at BOA to resolve this issue, I am left going this route. 
The charge was {$4400.00} on XX/XX/XXXX at XXXX XXXX XXXX, NY, NY.