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

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$360.00} XXXX Original creditor : XXXX XXXX XXXX XXXX  Balance : {$130.00} XXXX  Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4300.00} XXXX  Original creditor : XXXX XXXX XXXX Balance : {$1100.00} XXXX Original creditor : XXXX XXXX XXXX XXXX : {$7100.00} XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Refer to complaint XXXX. I mailed a letter, an official form, copy of SSN and driver 's license as asked by Equifax. I have delivery confirmation from XXXX. I double checked that the address was right. However, Equifax has not mailed me my free credit report even though 3 solid weeks have passed. Equifax was massively breached few years ago : https : //www.ftc.gov/enforcement/cases-proceedings/refunds/equifax-data-breach-settlement and now they seem to not respond to free credit report request via mail or via XXXX. Pls help. 

Regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I wS informed that I would be receiving a card with my stimulus money on it and I never received it. When I look it up it states that I received it. But I never received anything. How it that possible
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credict reporting ( account name XXXX XXXX XXXX XXXX  account number # XXXX ), ( account name XXXX XXXX XXXX account # XXXX ), ( account name XXXX XXXX  account # XXXX ), and ( account name XXXX XXXX account # 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 accout without my written instructions
Product: Debt collection

A company called XXXX contacted my place of employment, my son, and my mother threatening to file suit against me for fraud in regards to a loan/line of credit with CashNet USA. They kept asking me did i intentionally try to defraud CashNet when I received the loan. And they could only discuss arrangements with me based upon how i answered that question. Also since I stated i could not pay the money within 60 days, they were going to proceed with legal action in XXXX County, VA on XXXX cases of fraud and that i should seek legal counsel. The number i called to reach them was XXXX. And they gave me a case number of XXXX to refer to. I contacted XXXX County Courts and Sheriff 's Office and they have no information regarding this matter.
Product: Checking or savings account

On XX/XX/2020 I ordered a physical product from XXXX for {$1000.00}. After several days and it still not delivering to me I called Bank of America on XXXX and again on XXXX and several times since then requesting to file a claim to dispute the charge. 

I am repeatedly being told that the type of charge that it was could only be disputed by me and a representative would not be able to help. I learned that this is a lie and illegal, your bank should never deny to file a claim for a transaction that you find questionable. I went into the branch at XXXX XXXX XXXX XXXX and they also refused to file a claim for this charge.
Product: Credit card or prepaid card

Hello, I purchased XXXX bar stool at Ashely Furniture on XX/XX/22. The advertised price online was listed as {$170.00} and they were offering XXXX XXXX  off for the XXXX XXXXXXXX XXXX  This was not an online special the was the normal pricing. I purchased the stools in store and was charged {$190.00} for each stool. I spoke with the manager at the store and she said the cost of shipping and tax was included in that price. On the receipt the cost for shipping and tax is not built into the price because there is a separate line item for shipping and tax. I requested to have the price adjusted and be refunded the difference she said she can't do that. There was no resolution for the false advertisement. No apology. I actually was questioned why did I purchased them if they were higher. I told the manager that I was not made aware of what I was being charged. The stools didn't have a price tag on them. I noticed by looking at my receipt. 
here is the link for the stool pricing on the website https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX Balance {$160.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX Balance {$32000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX XXXX XXXX Balance {$39000.00}
Product: Credit reporting or other personal consumer reports

I discovered several inaccuracies on my credit report, which I believe are the result of identity theft. Upon reviewing my credit report, I identified multiple unauthorized accounts that are in violation of Metro 2 compliance guidelines and the Fair Credit Reporting Act ( FCRA ). These accounts have negatively impacted my creditworthiness and financial opportunities.

Specifically, the accounts listed on my credit report exhibit the following violations : Incorrect Payment History : Several accounts show a payment history listed as " Unknown, '' which violates Metro 2 guidelines.

Missing Account Status and Terms : The status and terms of these accounts are not provided, making it unclear whether the accounts are active, closed, or in dispute.

Failure to Provide Clear and Accurate Information : The accounts ' information provided on my credit report is not clear or accurate, violating FCRA guidelines ( FCRA 623 ( a ) ( 1 ) ( A ) ).

Despite my efforts to address these discrepancies by disputing them directly with the credit reporting agencies, the unauthorized accounts remain on my credit report. These inaccuracies compromise the accuracy and integrity of my credit profile, causing undue harm to my financial reputation and opportunities.

I respectfully request the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly. Your intervention is crucial in ensuring that the credit reporting agencies and associated companies comply with Metro 2 guidelines and the FCRA by deleting these unauthorized accounts from my credit report.

Thank you for your attention to this urgent matter. 

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

To whom it may concern. 
Experian credit reporting agency has violated my federally protected rights. In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I asked Experian to investigate this account. XXXX XXXX XXXX that starts with XXXX. According to 15 USC 1681. Section 602A states that I have the right to privacy, Also 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnace an account without my written instructions Also 15 USC 1681C section ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of conviction of crimes, which antedates the report by more than seven years. 15 USC 1681S-2 ( A ) ( 1 ) A persons shall not furnish any information relating to consumer to any consumer report an agency, if the person knows or has reasonable calls to believe that information is inaccurate. I have disputed the account with experian and they continue to keep this account on my credit file. Experian has failed to uphold the law and has violated my federally protected rights by keeping this account on my credit file.
Product: Mortgage

Little to no communication from Freedom Mortgage. They purchased my home loan 2 months ago. I have not received any payment or billing information. I only received an account number after calling customer service. I was threatened with a late fee if i didnt make a payment on their website. I was told they dont accept electronic payment from XXXX XXXX XXXX and making a payment through my bank will result in a late fee as they have to mail a check. I will not make a payment on Freedom 's website as i have zero confidence in this company. With XXXX XXXX XXXX there is a tracking system for payment and more assurance than what Freedom is providing. They have horrific communication and unsatisfactory customer service.
Product: Credit card

I am trying to contact my bank regarding a dispute. I am calling the number on the correspondence I received in the mail from the bank. When I call, I get prompted to leave a voicemail for the Merchant Disputes XXXX department, but the voicemail system then plays a message that says the mailbox is full. This has happened several times over multiple months. I called the customer service number for my bank and got a transfer to the disputes department ( onshore ), and told them that I was trying to reach the agent working my dispute offshore. I gave them the same information from a letter I received, dated XX/XX/XXXX, and they were also unable to get through. The number is XXXX.
Product: Credit card

Bank of America reported to the XXXX bureaus that I have a delinquent account. However I was never notified about this delinquent account until it was 30 days late. 

I have repeatedly asked Bank of America for statements and notifications. Bank of America did not provide prompt notifications or emails to me. 

I am seeking to for a full refund of all late fees and interest charges. 

Additionally there is an issue with Bank of Americas Mobile app. I am having a hard time getting in contact with them.
Product: Debt or credit management

I inquired about their services for debt consolidation. I decided not to use their services, and did not sign or authorize any contract, nor did I give them any credit card or banking information. However, when I looked on my credit report, they are showing a {$450.00} fee. I received absolutely no service, I did not sign or authorize any services, nor received any. I only inquired about their services.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  the contents of this complaint this cfpb complaint has been filed to request pursuant to FCRA 605b ( 15 USA 1681c ) that you TransUnion XXXX XXXX XXXX XXXX reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days business days of you receiving this complaint this fraudulent inaccurate and false information consist of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report I enclosed in letter I do not recognize the aforementioned accounts collections hard inquiries addresses name changes appearing on my credit report maintained by you were not opened made initiated by me all of the aforementioned accounts collections and hard inquiries name changes are the result of identity theft and fraud i have a copy of my FTC identity theft complaint case no XXXX as proof from the FTC that all of the aforementioned consumer credit accounts collections hard inquiries name changes are the result of identity theft and fraud
Product: Checking or savings account

My account was frozen and closed by CitiBank. I was informed of this via email, and it happened immediately - I could not dispute it. I have an outstanding balance of {$1500.00} remaining in the account. I was told that I must wait for them to complete the full closure process and I will not receive my funds ( the {$1500.00} ) until 30-60 days, and that the funds will be sent via a check in the mail. I have attempted to contact CitiBank multiple times and have spent approximately 8 hours on hold or on the phone with agents. On the most recent call, today ( XX/XX/2022 ), the representative hung up on me after I expressed my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - TransUnion- XXXX- I sent certified letters asking to validate all inquiries on my report doubles and triples of the same companies. Companies I have never even heard of before. After reporting fraud to them they took no actions for corrections to my report. A bunch of outdated accounts as well that are causing me all kinds of trouble with any type of loans. This company is in charge of us as well as are families you think they would pay closer attention to detail for us
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2015 I attempted to purchase a Time Share from XXXX XXXX in XXXX XXXX. My husband and I traded in our time share to XXXX XXXX for a XXXX trade in price. I started to get bills from our ( thought traded time share XXXX XXXX ) we found the time share had not been in fact purchased By XXXX XXXX and that we still owned the one we thought we traded. We were told the developer at XXXX XXXX was not able to purchase our time share because of inventory issues. Shortly after we stopped paying maintenance fees on the new time share because we don't own it. I received a call from from XXXX XXXX a collection company in California ( who has assumed our debt ) telling us that we did not have an agreement for a trade and that we owe for both time shares. XXXX is in California and XXXX XXXX is in XXXX. Out attorney sent XXXX and XXXX XXXX a cease and desist letter. We then had our attorney file on our behalf a letter asking XXXX XXXX to remove it from my credit report since we were in litigation. I submitted three disputes and they came back with a response that the collection " had been verified '' I attempted to submit a letter to the credit bureau and it will not allow me to dispute the issue as it states I have submitted a dispute in 120 time frame. I explained to Trans Union it is  severely damaging my credit. They refuse to remove it. XXXX XXXX only called me once and immediately put me in collections. Their practices are unlawful and I reserve the right a consumer to have fair reporting. They are not reporting it honestly, it affected my car rate and it is affecting my credit reporting score.
Product: Mortgage

Wells Fargo Home Mortgage keeps calling other people regarding the matters of My Home Mortgage. I filed the complaint on Wells Fargo Mortgage. It appears there not trying to resolve the issue by calling other people that has nothing to do with the issue. Wells Fargo Home Mortgage calls on a daily base other people in fact as I have for a witness. Wells Fargo Knows my phone number as well as mailing address regarding the matter.
Product: Mortgage

Divorce XX/XX/2016. XX/XX/2016 ex wife took out a modification loan, used forgery with my signature and the bank never verfied information. The documents where sent to a XXXX XXXX XXXX had no access to retrieve mail as the XXXX XXXX XXXX to her daughter from another marriage. The bank never check full documents and now the bank refuses to help me with this matter. The end results I would like is the bank remove me from the account and to report the removal to the credit bureaus.
Product: Bank account or service

I am a current victim of Identity Fraud through use of my USAA internet checking account. I have received over {$46000.00} in banking fees and fraudulent checks and purchases made through debit purchases and funds transfers. I initially received a returned check in the amount of {$4800.00} drawn on XXXX XXXX XXXX in XXXX, payable to my name, and deposited into my bank account. -USAA offers deposit at home for some of their banking members. - This check was clearly deposited at home, and cleared by USAA. Once this check cleared, the individual decided to open numerous accounts in my name and expediting debit cards ( which the XXXX rep informed me of ). I asked for the address the cards were sent to and all she could give me was my address, that seems weird. The cards were activated and the individual immediately proceeded to make purchases. From XX/XX/XXXX-XX/XX/XXXX, about XXXX transactions were made, all in XXXX, and I live in XXXX. Many of the transactions were for the same dollar amounts indicating the same purchases. XXXX transactions at XXXX different XXXX XXXX of which were the same day, XXXX transactions at XXXX on the same day, and the rest of the transactions were debits at XXXX XXXX and XXXX XXXX. I have contacted USAA about this on 3 separate occasions with no resolve. I reached out initially when I received the returned check, informed them of situation, and was advised the account would be closed and I could never open another account. However, the damage was already done. I called again once I received numerous returned NSF statements and banking transactions. I was told someone would follow up with me, about this and advise further. Again no resolve. A month later I received a statement of collection in reference to these accounts. I immediately called USAA again to find out what is going on. What I found out, was : This person open numerous accounts online or on the phone, had each atm debit card was expedited to him, and began immediately transferring money. I spoke with this rep for at least an hour, explaining and going over every single detail. I also requested from her an email to follow up and confirm that conversation, which I have yet to receive. The XXXX most evident things, he has to be familiar with USAA processes to know what to do to open account or how to use deposit at home. I have had my savings account for over a year or so and have NEVER had more than {$100.00} in there, now I am randomly opening accounts and depositing checks. I have NEVER deposited any type of checks with USAA. And I suddenly just randomly open checking account after checking account with no RED flags from the bank. Does not make any sense, but shows the obvious flaws in USAA 's online banking. I decided to drive to the closest physical location which is an hour away. I attempted to speak to someone on person, pretty much received the same response I did on the phone. I was told I will receive a respond in XXXX business days. My next attempt is to seek counseling from an attorney, because USAA is obviously not concerned about resolving this issue.
Product: Credit card or prepaid card

AN UNAUTHORIZED PAYMENT OF {$760.00} WAS TAKEN OUT OF MY ACCOUNT FROM MY INSURANCE COMPANY WHICH I DISCOVERED WHILE MAKING MY MONTHLY INSURANCE PAYMENT I IMMEDIATELY CALLED AMERICAN EXPRESS TO HAVE THAT {$760.00} PAYMENT REVERSED BACK TO MY ACCOUNT ONLY TO BE TOLD IT'LL BE UNDER INVESTIGATION SO IN THE MEANTIME I'M OUT OF OVER {$1000.00} MY REGULAR PAYMENT TO MY INSURANCE INCLUDED IT'S BEEN ALMOST 2 WEEKS MY BILL COLLECTORS CALLING MY BILLS LATE XXXX I'M XXXX I DON'T HAVE AUTO PAY WHAT IS THE XXXX PROBLEM WITH PUTTING MY MONEY BACK INTO MY ACCOUNT I'M APPALLED I WOULD NEVER RECCOMEND BLUEBIRD AMERICAN EXPRESS TO ANYONE ALIVE THIS IS RIDICULOUS THEY XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

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

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

I filed a dispute on my credit report MEMBER NUMBER XXXX. 
Experian denied to follow up with all the investigation. some investion was back within 24 hours withb no change. Old account they refused to delete also old account they refuse to update. Every time i put i destpute in I face a negative HIT on my credit. 

I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. 

This aligns well with my situation! 

Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house and expanding my XXXX XXXX XXXX 

Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act .The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 


1.Account name : XXXX XXXX, account number XXXX 2. account name : XXXX XXXX XXXX XXXX  , account number XXXX 3.account name : XXXX XXXX, account number:XXXX 4.account name XXXX XXXX XXXX, account number:XXXX 5.account name XXXX, account number XXXX 6.account name dept of ed XXXX, account number XXXX, 7.account name dept of ed XXXX, account number XXXX 8.account name dept of ed XXXX, account number XXXX 9account name dept of ed XXXX, account number XXXX 10.account name open XXXX XXXX XXXX  account number XXXX 11.account name XXXX XXXX account number XXXX 12.account name XXXX XXXX, account number XXXX 13.account name XXXX XXXX XXXX account number XXXX 14.account name XXXX  XXXX XXXX XXXX, account number XXXX 15.account name XXXXXXXX XXXX /XXXXXXXX XXXX XXXX account number 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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