23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The FCRA thus requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the furnisher has reasonable cause to believe is inaccurate. Nonetheless, furnishers who clearly and conspicuously provide an address for consumers to give notice of inaccuracies are exempt from this prohibition, unless the consumer has provided notice that information is inaccurate. And while the FCRA does not obligate furnishers to provide an address for the consumer to notify it of inaccuracies in reported data, furnishers who do so can not be held liable for inaccuracies in reported information if the consumer fails to notify the furnisher of the inaccuracies. Furnishers who regularly report information to CRAs about transactions with consumers also have an affirmative duty to notify the agencies of information the furnisher later determines is incomplete or inaccurate. 
YOU SHOW A DIFFERENT LAST PAYMENT AND CLOSING DATE PLEASE REMOVE THIS INACURATE ACCOUNT I AM ATTACHING PROOF POPULAR HAS A DIFFERENT DATE FOR LAST PAYMENT DATE LISTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD ENDING IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PHONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I attended  XXXX  University from   XXXX   - XXXX .  Since graduating from I struggled to find a job in my field and could not find a full time job until   XXXX  . In  XXXX , I was forced to resign, leaving me with {$0.00} dependable income and began self-employment beginning   XXXX   XXXX  . Since m y Husband an d I were married just before   XXXX   XXXX   XXXX   and we filed taxes jointly, My repayment plan was based on both of our previous incomes, when mine no longer existed. It was too high and we could not pay it. I was was told my ONLY option was to go into deferment. It was not until   XXXX   XXXX  , after multiple conversations with Navient customer service representative that  one was fortunate enough to tell me I can reapply for IBR at any point when there is a significant change to my i ncome. I was told that I can not and will not receive any reimbursement or reconciliation for the deferment/forbearance that I accrued for the &amp; months for which I was misinformed.   Also, when I first registered  for IBR  in   XXXX   with  XXXX   XXXX , I was told that m y IBR plan wa s for 20 years and at the end of 20 years leaving the remaining debt forgiven. In  XXXX , I was told by a Navient representative that  my IBR plan is act ually for 25 years and " it always has been '' which is not true.
Product: Debt collection

The company Spring Oaks capital LLC begin contacting me offering multiple business loans upon turning them down they have now submitted a false debt collection report to credit consumer reporting agencies. This collection notice was done in retaliation and does not concern a legitimate debt.
Product: Credit reporting

I have submitted a credit dispute with Experian a number of times about my address and addresses that are not mine also deleted information on my credit report and they refused to delete it even though it has been deleted off of my XXXX and XXXX credit Report. They also associate me with an address because I have utilities in my name at that address but as I explained to them it is not or nor has it ever been my known physical address so it should not be reported on my credit report. I have a utility bill in one of my relatives name because he and his wife was going through hard times and for some unknown reason Experian is reporting that as my address.
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 items 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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Without proper notifications Bank of America started a maintenance fee on my account. 

I was going to close this account but then the customer service told me that keep you account open we will give you account for free - or without a fee.

Starting last few months Bank of America started charging me fee for the same. Before charging the fee they did not even inform me of the fee is is coming with proper ways.

This shows tactics Bank of America is employing to increase their revenues by improper ways.

I want Bank of America to fully refund my fee and close my account. I would have close this account as I dont use it anymore. My balance was only {$4.00} and not its XXXX   due to fee.
Product: Prepaid card

I called the phone number to activate the card. It prompted me to enter a pin. I entered the pin. When it prompted me to confirm the pin, the line went quiet. The message said it was unable to activate the card. I called back and had the exact same experience. My phone had full bars for reception. Citi is making it very hard or impossible to activate their card. The activation phone number is XXXX. This is a prepaid debit card issued by Citi on behalf of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written TransUnion on numerous occasions in reference to reporting inaccurate items. I was never late for payments on my XXXX XXXX account. I never missed a payment on my XXXX XXXX account. I have never been late or missed and payments inreference to my XXXX XXXXXXXX. I have never had a wrritten contract or agreement with XXXX XXXX XXXX who states I owe {$330.00}. The XXXX XXXX XXXX balance of XXXX the correct balance is {$0.00}. XXXX XXXX XXXX balance of XXXX accurate balance {$0.00}, There is also inaccurate balance of XXXX for XXXX the correct balance is {$0.00}
Product: Money transfer, virtual currency, or money service

I use this cryptocurrency exchange called crypto.com. I sold some cryptocurrency ( XXXX  ) for an emergency. I then transferred it to another exchange ( XXXX  ) and it is usually instant but for some reason this time it took hours to proceess. I reach out to the team, and they explain that I have done nothing wrong and I should get money shortly. I have been waiting for 6 hours for my money, and I needed it for an emergency. Now the exchange claims it doesn't know when I will get my money. I am worried, and I know it is not a lot of money but it is mine. They refused to give me an ETA, and I don't know what to do. I wanted know if you may please help me. 

Thank you.
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my XXXXture on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date open : XX/XX/XXXX Balance : {$3100.00} - Charged Off XXXX ( Original Creditor : XXXX XXXX  XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$90.00} - Collection XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$1400.00} Late/Open XXXX  XXXX  XXXX  Account # : XXXX Date open : XX/XX/XXXX Balance : $ XXXX
Product: Mortgage

XXXX XXXX XXXX ID # XXXX ( XXXX ) XXXX XXXX The Loan Oficer ( XXXX XXXX XXXX under the license NMLS ID # XXXX, the person was rude, without professional ethics, I treat myself badly, does not answer calls, does not answer messages, does not answer emails, And the few times he returned calls, he did it late at night, he treats me like he's doing me a favor, two days before my closing, she left on vacation, she moved the closing date and never said anything, I found the information after looking for her everywhere, after finding with several buyers of the same project, it was the same behavior with all,
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX, XXXX Date of Dispute : XX/XX/2020 Time of Dispute : XXXX EST Estimated Date of Completion : XX/XX/2020 DISPUTE SUMMARY Below is a summary of the items you have chosen to dispute. 

PERSONAL INFORMATION Previous Address : XXXX XXXX   XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Other Names : XXXX XXXX This is not my former name. 
Other Names : XXXX XXXX This is not my former name. 
NEGATIVE INFORMATION > ACCOUNTS XXXX XXXX XXXX | XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

ATTORNEY GENERALXXXX | XXXX This account does not belong to me. 

Please use the above confirmation number for all future communications on the status of your dispute.

The dispute verification process may take up to 30 days.

Please note, when you upload documents, including letters, to XXXX as part of your dispute, the documents may be submitted to one or more companies whose information is the subject of your dispute.

sent ftc on all the above
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my  complaint.
Product: Credit card or prepaid card

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item BK OF AMER is reporting late as reported in my XXXX Credit Bureau. Lets correct this immediately. The XXXX XXXX is required to verify for themselves, but they failed to neither verify nor update me about this complaint.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. 

The accounts are -XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX Amount : XXXX -XXXX XXXX XXXX Opened XX/XX/XXXX Amount : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Amount : XXXX Ive reached out to the companies and havent received any type of feedback back
Product: Payday loan, title loan, personal loan, or advance loan

I placed a loan request, which and provided my income but was unable to provide all of my income. I did include all of my pay stubs, but that was not reviewed and I was denied because they stated they could not verify my income all though they did access all of my bank accounts. My loan documents were never reviewed by a person instead XXXX  and which is not disclosed to applicants.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated my account XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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: Credit reporting, credit repair services, or other personal consumer reports

There has been a number of unknown inquiries on my credit report the dates are listed below. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX, NY XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately delete any and all social security numbers that your company is reporting on my credit report. 

My date of birth is XX/XX/year>. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My phone number is XXXX. I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any other employer than XXXX XXXX XXXX XXXX. 

Thank you, in advance, for honoring my requests. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit report showing these changes mailed to XXXX XXXX XXXX XXXX, NY XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the 2nd straight month XXXX has reported my account as 30+ days late, last month XXXX admitted that they made a mistake and reported inaccurate information to both Transunion and XXXX  credit bureaus and sent me emails/letters apologizing and stated it was corrected and both credit bureaus were also contacted and told as well, today XX/XX/2021 they once AGAIN reported inaccurate information to the same two credit bureaus ( transunion and XXXX  ) that my account was once again late. Furthermore, after last months inaccurate information was corrected I paid this months and next months payments in full ( to XX/XX/XXXX ) in hopes they wouldnt make this mistake again, unfortunately it didnt work and once again they have reported inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Trans Union on XX/XX/XXXX at XXXX XXXX central standard time spoke with a man name XXXX informed him of a item i will like to dispute because i can not identify this item in question, can he give me any information on the item he said they have no information and that they can not get the contract to prove accuracy and that i can not request a investigation to get item removed i will like to dispute item 1XXXX {$340.00} reported XX/XX/XXXX do to me not being able to identify item and that the credit reporting agency can not provide me with the original contract nore information to prove accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Diversified consultant has received my account from another collection agency. The company reported the debt to my credit on XX/XX/XXXX and again on XX/XX/XXXX. This company has been reporting the debt to my credit every 30 days. I am asking that the company report to my credit correctly or remove the item.
Product: Credit card or prepaid card

I an a customer of TD Bank. On XX/XX/2021 XXXX I received a text message alert regarding potential fraufulent activity on my TD Bank Cash Credit Card . An order was placed on TARGET.COM. I replied within 1 minute ( XXXX ) that I didn't place the order and it was in fact fraudulent. I followed up with a phone call within a few seconds ( XXXX ) and was reassured that everything was OK, my Credit Card was closed and I was issued a new one. However, TD Bank did nothing to stop the transaction or cancel the order. Within the next few hours I received an email from Target thanking me for opening an account with them, ( which I never did ), and then, 5 hours later, thanking me for picking up the order at the Target store. Since I never shared my email with Target, never had an account with them, I suspect that TD Bank is responcible for the data breach. 
I opened a dispute case with TD Bank and followed up many times but my dispute was denied with the explanation that 'all the details match '. I asked to reopen the case, it was declined again and I wasn't even informed of the decision. 
What is the point of having a fraud detection & alert system if it fails to stop fraudulent transaction given 5 hours to do so?
Product: Money transfer, virtual currency, or money service

XXXX to XXXX I got scammed out of XXXX XXXX dollar thur wire transfer from my bank Huntington Bank XXXX As soon as I realized that I was being scammed I went to the bank and reported a fraud. The bank said that they can't help me. So I hired XXXX XXXX to investigate on my case. It has been 8 months since XXXX XXXX took my case and still nothing resolved.