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

I have disputed this with Experian for accuracy XX/XX/2020 and they added a past due amount and balance due rather than removing it. This account was included in a bankruptcy that the joint account owner filed for. My credit union who this loan was though ( XXXX XXXX XXXX ) said there will be no balance reported since this is being covered by the bankruptcy trustee and should show no past due amount. Experian will not let me dispute this anymore and will not correct this even though the other two credit bureaus have the correct information on the same loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has turned my life upside down by stealing my identity there are fraudulent names, addresses, accounts, and worst of all an astronomical amount of inquiries I have requested that the credit bureau 's remove these fraudulent inquiries back on XX/XX/2021 and as of today they continue to report on my credit report. Fixing these issues with my credit feels like a part time job and I already have XXXX jobs and I am a single mother of XXXX. I need the credit bureau 's to take this matter as seriously as I am. Please see the attached identity theft affidavit I have been in contact with XXXXPD in regards to the theft they are just waiting on me to bring some supporting documentation from the creditors so my report is not vague and lead to an actual investigation.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX Balance {$670.00} XXXX XXXX XXXX XXXX Balance {$990.00} DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, the scammers pretending to be XXXX XXXX, emailed XXXX XXXX requesting a wire transfer to finalize a sale of a lot. The impersonator sent a string of emails requesting a total amount of {$370000.00} while using personal information regarding XXXX and his family and his lack of communication and resources while out of the country. The impersonator also provided banking information regarding which account to process the wire. Due to banking rules and regulations, there was a wire for {$20000.00} on XX/XX/2022, and another {$20000.00} on XX/XX/2022. XXXX then realized the money was gone and sent out an email to XXXX requesting information. The impersonator intercepted the email before sending it out to XXXX XXXXThe impersonator then pretended to email XXXX as XXXX. XXXX then reached out to XXXX via XXXX to confirm the information in the email, and then it was discovered that it was not XXXX requesting the funds. 

These scammers managed to get my accountant ( XXXX ) to wire a total of {$40000.00} USD out of my XXXX account. This is affecting all business operations including XXXXt of XXXX  and day to day business. Wells Fargo has provided little untimely feed back on my Claim filed immediately after I discovered the fraudulent wires. I feel like Wells Fargo is of no help after following their guidance and checking on the Claim every other day. 

It makes me sick to my stomach that someone can so easily scam my XXXX account and Rip me off for {$40000.00} in the United States of America. Furthermore these scammers are banking Domestically at XXXX XXXX XXXXXXXX where the fraudulent wires where sent. It amazes me that USA banks would permit this Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX XXXX XXXX No : XXXX clearly suggest conflicting informations of 1.High balance and 2. Last activity which are inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name Experian XXXX High balance {$0.00} $ XXXX Last activity XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Debt collection

On XXXX XXXX 2020 I was alerted that my XXXX score had dropped by 30 points. I went to check and a company going by Capiro Partners LLC stating that I owed a medical bill in Louisiana with false dates and falsified information. I filed an XXXX  dispute and Capiro Partners LLC flagged the false account as collections and have since flagged it monthly as if I have a late payment on my credit. I have not spoken to or agreed to pay anything with a Capiro Partners LLC who is intent on destroying my hard earn credit rating in an attempt to bully me into paying a debt that is not mine nor do I have any knowledge of. They are downright illegal in the way they go about business, by blatantly abusing reporting powers to report false information in an attempt to intimidate and bully consumers into paying debt or suffer.
Product: Debt collection

This company Credit Collection Services is trying to collect a debt from me when I have done absolutely no business with me. I have asked them to provide my signature stating that I have entered into a contract with them.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history and I have tried to dispute it directly with the company, to no avail. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. Also, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a discover account on my credit report that was charged off. I had it removed from XXXX but for experian and XXXX it remains. I settled the account for fraudulent charges and we agreed the account would be removed from my credit report. Theres also a XXXX account that was charged off for {$1400.00}. I lost my card and these charges were fraudulent but XXXX is holding me responsible. I have this XXXX account removed from XXXX but it also remains on my XXXX and experian credit report. Ive tried resolving the issue with chase for over XXXX years but theyre still holding me responsible for fraudulent charges
Product: Checking or savings account

I currently had a dispute with current bank and I was told they my dispute was fine till recently when I got an email from them that my dispute was denied and my credit was going to be removed and this was fraud someone used my card without my knowledge and I was told if I send over the police report I should be able to get my funds back and they wouldnt take the money back waking out today and my whole XXXX payment was removed and now they arent even helping me to get this fix when I was told to send over all the documents and you will be fine the dispute credit wont be removed and I was okay with that I want my money and this to be fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

I was incarcerated for five years. I was released XX/XX/XXXX from XXXX XXXX CT. I ran my credit and I have no knownlegde of these accounts nor did I give anyone access to any of my personal information while gone. Below is the accounts. 

1 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT. XXXX Date Opened-XX/XX/XXXX Amount {$900.00} Remarks-Charged off as bad debt. Account closed by consumer. 

2 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Date Opened- XX/XX/XXXX Amount {$0.00} Remarks-Charged off as bad debt. Purchased by another lender. 

3 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Date Opened-XX/XX/XXXX Amount- {$1000.00} Remarks- Placed For collections 4 ).  XXXX XXXX XXXX XXXX XXXX XXXX, NC. XXXX Date Opened-XX/XX/XXXX Amount {$180.00} Remarks- Placed for collections 5 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Date Opened- XX/XX/XXXX Amount {$8000.00} 6 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX. XXXX Date Opened- XX/XX/XXXX Amount {$97.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters and called all three-credit bureau 's XXXX XX/XX/2022 and they have not removed these incorrect notations. According to, 15 USC 1681. I did not give no one written consent to furnish anything on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for the XXXX XXXX XXXX American Express card. My credit is over XXXX and my income is substantial. The reason they denied my approval was back in 1999 I filed for bankruptcy and one of the credit cards I had at the time was an American Express card. 
The BK was difficult and stayed on my credit for 7 years and thankfully got back on my feet and have been very successful and have many credit cards in my name. I was not aware that it was legal to deny me credit over a debt that was legally dealt with 20 years ago? I have not been denied any credit of any kind the last 10 years. Mortgage, cars, credit cards etc. If this is not discrimination then I do not know what is. 
Thank you for your time.
Product: Credit reporting or other personal consumer reports

I would like to inform you that there are instances of identity theft on my consumer report, consisting of accounts that are not mine. I have made several efforts to resolve this problem by reaching out to Transunion, but unfortunately, no resolution has been provided. As a victim of identity theft, I have sought legal help to eliminate the fraudulent accounts from my consumer file. While XXXX and XXXX have successfully taken action to remove these fraudulent accounts, I have encountered difficulties with Transunion, as they have been uncooperative and slow in addressing the matter.
Product: Money transfer, virtual currency, or money service

XX/XX/year> i was paid {$1100.00} work wages an 21 day hold was put on venmo funds it takes the funds an lets neither sender or recipent have money just hold it till it feels its ok to release. This is borderline criiminal its no rules just when they feel. Venmo paypal i will never use again an i want to be told they do this before it happens to other.
Product: Debt collection

I am writing to dispute an error on my credit report related to my account with XXXX XXXX XXXX XXXX and XXXX - XXXX XXXX. Due to a technical error, my account was inaccurately reported as late, which is causing a negative impact on my credit score. However, I have been in contact with the banks, and they have acknowledged the error and agreed to update the account status to open and never late. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Checking or savings account

I opened a checking account at US Bank XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, IL. XXXX ) on XX/XX/year>. I went into the bank and asked to talk to a personal banker so I could open up a checking account. I was approached by a young lady by the name of XXXX. I told her I wanted to open up a checking account and would like to get this promotion bonus of {$400.00} but it says it needs to be done online. XXXX looked at my phone and said ok sounds good I can do this at my desk on my computer and I replied it says online only and she replies it doesn't matter I have the promo code right here and I said perfect that works for me. In order to get the {$400.00} bonus you had to make direct deposits totalling {$5000.00} within 90 days of the account being opened and once you met that criteria you would receive your bonus within 60 days. I met the criteria in XXXX of XXXX  basically around 55 days it took me. I waited a week never got my {$400.00} bonus so I called the US Bank complaint line and they said I would receive it at the end of the calendar month so I was like OK but still never received it. I then proceeded to call the bank and talk to XXXX and she told me she had to resubmit it again and I was like ok. I waited some more time and called the US Bank complaint line again and they said the form they submitted was declined and to go into the bank and talk to the manager so I did. I was approached by the branch manager ( XXXX XXXX - direct line XXXX ) and she walked me to her desk. She said that it was supposed to be opened up online and I was like your employee ( XXXX  ) told me it didn't have to be and her response was I know she did this is why I'm going to escalate this problem to my boss ( XXXX XXXX - XXXX ) so she can override this and get your bonus approved since this has happened before. I was like OK because this isn't my fault this is on US Bank NOT ME!!! I was then sent an e-mail from XXXX stating that she was very frustrated like I was and was going to try one last avenue for the approval. I was then sent another e-mail from her stating she couldn't get the approval because it was supposed to be done online. This is an absolute JOKE and NO WAY should US Bank be able to get away with this. I did EVERYTHING the personal banker ( XXXX  ) told me to do and met the necessary criteria and I deserve my {$400.00} bonus. PLEASE HELP!!! 

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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX SS # ENDING IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge off listed on my account that was a prepaid account. i deposited money and when the money ran out i couldn't use it until i reloaded the card. This can not be reported as a charge off because of what type of card it was. There was nothing that was owed. I've tried removing it and speaking to them about having it removed but have nto gotten the results i need. Please assist me anyway that you can. Thanks.
Product: Mortgage

On XX/XX/2021, the mortgage company that holds my mortgage Select Portfolio Servicing withdrew via checking account XXXX without my verbal consent. I immediately contacted the company to ask them to expedite the claim to return the funds back into my checking account. As a result of their error, my account was overdrawn more than {$500.00} dollars. This occurred during a snowstorm and I have two children. I had other bills scheduled to be paid that could not be processed. This caused so much stress, irritation, and frustration. I called the company several times on XX/XX/XXXX, XXXX, and XXXX. To no avail did they give me an exact date as to when my funds would be available refunded. Every time I spoke to a representative from Select Portfolio Servicing they provided conflicting information about the process for refunding the funds and could not provide a definitive timeline.
Product: Mortgage

Around XXXX Citizens Bank in the middle of the financial crisis called the equity line due and converted it into a new type of loan. My payment went from {$400.00} to {$900.00} per month. They were also aware that I was recently divorced, had full custody of my XXXX boys XXXX of which has a XXXX  XXXX ( XXXX XXXX XXXX  ) and I lost over 80 % of my income. I was paying my bill out of savings, retirement funds and my kids college funds to maintain payments and I depleted them down to XXXX  when this happened. 
I then called asking for assistance and they told me the only way they could help me was to go delinquent on the loan and after I was delinquent for 30-60 days I could start the modification process, which I did. 
It took six months of them mishandling paperwork and having only one fax number for the whole bank. they then told me, again after six months that i don't qualify for a modification because i needed to modify my first. Why I wasn't told this from the beginning, I don't know. 
They told me I could pay {$10000.00} to bring the note current and avoid foreclosure. I obviously did not have this and I had gone 30 days late on my first mortgage. So I now called them to expedite a modification and get the first mortgage done so I could fix the second. 
Now I am modifying my first which turned into a nightmare. After 6 or 7 months in the process they would sell the servicing and I would have to start the whole process over again. This went on from XXXX to XXXX at which time I was forced to file bankruptcy. I was able to keep the house and negotiate a modification for the first with XXXX XXXX. Now I called Citizens in XX/XX/XXXX to start the process again with them and they told me I needed to wait until the 3 month trial period was up with XXXX XXXX. I made my 3 payment in XXXX and submitted for the modification with Citizens. I could only send limited documents to a fax number only and had to send the same items multiple times without getting verification of receipt. Sometime around XXXX XXXX I received a phone call saying I was approved. The point person at Citizens ( XXXX ) said I would be receiving a form from Citizens legal department so they could clean up liens that were on the title. I was told that this would take a month or two and they would reach out to send me the agreement. They did not have any terms at this time but once the title was clear the would get me that information. After 2 months I get a statement in the mail from Citizens requesting a payment of {$1300.00}, I was confused as I had not signed any contract or entered into any agreements with them. So I called the number on the statement and the person on the phone told me not only could I not make a payment but I was kicked out of the modification for lack of paperwork. I then called XXXX back and she no longer worked for Citizens, at this point I began looking for a lawyer.After several months I found an attorney and filed a 93A. In XXXX of XXXX attorney XXXX XXXX instructed me to file for another modification with Citizens and to use the services of XXXX XXXX XXXX XXXX XXXX to document the process.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, XXXX Complaint Department Monterey Collections XXXX XXXX, CA XXXX I am writing to dispute the following information that your company provided to XXXX, XXXX, and XXXX. I have circled the items I dispute on the attached copy of the credit report I received. 

This item regarding the said debt owed for {$370.00} is inaccurate because this debt was filed in my Chapter XXXX Bankruptcy Case No. XXXX - XXXX - bk - XXXX and discharged XXXX/XXXX/XXXX. I am requesting that Monterey Collections have the item ( s ) removed to correct the information. 

Enclosed are copies of XXXX XXXX XXXX, Chapter XXXX Bankruptcy Case No. XXXX - XXXX - bk - XXXX and discharged XXXX/XXXX/XXXX supporting my position. Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them delete and correct the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX XXXX Enclosures : 1. XXXX XXXX XXXX - Chapter XXXX Bankruptcy Case No. XXXX - XXXX - bk - XXXX and discharged XXXX/XXXX/XXXX XXXX. Collection Letter from Monterey Collections dated XXXX XXXX, XXXX
Product: Credit reporting

I had a motorcycle stolen from me. XXXX ins paid it off in full. XXXX sent a letter to XXXX XXXX saying the bike would be paid in full and the account has been closed. They also said they would be mailing the check out and that i XXXX XXXX was not responsible for the account as of the closing of the account. During this time they reported late pays on my account towards my credit that should not be on there. These late pays should be removed and my credit adjust. XXXX XXXX XXXX # XXXX SS XXXX DOB XXXX Please let me know how to get my credit fixed from this issues.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 it a phone number do not belong to me. I contacted experian to let know I was aware of unknown phone number being added to my credit report