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

I believe your actionsor lack thereofconstitute. 

Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity. 

I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Georgia Attorney General 's Office, and pursuing legal action under applicable state and federal laws.

I look forward to your prompt attention to this matter and expect a response within 15 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts ( located in the attachments ) are not complete and accurate. I sent a letter asking them to make sure everything is complete and accurate. They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries and accounts do not belong to and fraud. I have included the identity theft reports. 

These accounts are fraud : XXXXXXXX BANK  Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX These inquiries are fraud : XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Never applied for an auto loan with TD bank, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX However, there are two inquiries on my credit report dated for these lenders all on XX/XX/2017. I contacted the lenders, and there were unable to provide me with proof that I applied for an auto loan with them and gave them permission to pull my credit.
Product: Mortgage

I went into forbearance during XXXX and was not able to pay on my home loan for a year ( XX/XX/XXXX- XX/XX/XXXX ). Once I was able to continue paying I informed my lender ( Cross Country Mortgage ) and they helped me with setting up a LOAN MODIFICATION. I received the paperwork in XX/XX/XXXX and immediately signed, notarized and mailed back per their instructions. As of today ( XX/XX/XXXX ) I have yet to receive a copy of my LOAN MODIFICATION AGREEMENT, I have also called my lender every day for the last four weeks asking for a copy which they have failed to produce. Today they informed me I need to contact the VA since they are the ones who have the documents I am requesting ; the VA informed me they do not have such documents and also informed me my lender never submitted any documents for a LOAN MODIFICATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian a few months ago when this first appeared on my credit report and called the company reporting this information as well. The person I spoke with at Experian took my dispute information and submitted on my behalf. A few days later I received notification that the account was verified. I called the XXXX XXXX and tried to tell them this isn't my account and I have no idea what this is all about. The person was rude and stated " yeah we hear that all the time and proceeded to tell me it's in your name so it's your account. '' According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with friends, neighbors, or associates of the consumer with who he/she is acquainted or whom may have knowledge concerning any such items of information.

They stated the account was verified but, how is that possible f they did not do a proper investigation according to the law. Also the information pertaining to this account is still reporting and not accurate.

According to FRCA 15 USC 1681 everything has to be 100 % accurate. 

Account - XXXX XXXX XXXX ( originator ) XXXX XXXX XXXX ( collection agency reporting to the credit bureau ) Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$410.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$410.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$410.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XXXX XXXX, XXXX XXXX, XX/XX/XXXX to XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I have been contacting Verizon and Synchrony credit card for months. Verizon requires I use Synchrony verizon card to get a monthly discount on my wireless bill. Synchrony continues to overcharge me and add late fees besides. Verizon says I owe one amount and synchrony says another. I am caught in the middle and have made an endless number of calls but can not resolve this despite reps actually talking to synchrony on the phone while I am on the other line. Synchrony is cheating me and when I pay the amount verizon says I owe, synchrony charges a late fee.
Product: Debt collection

Around XX/XX/XXXX I opened a XXXX XXXX Card. I paid it off in XX/XX/XXXX. It was sold to XXXX XXXX and they reported it to collections. They say I owe {$1000.00} but I paid {$1200.00} and I have proof it was paid.
Product: Debt collection

I had a student loan back in the 1980 's however I was hit by a vehicle which left me permanently XXXX no longer can work and the loan was discharged, however this credit collections agency keeps taking XXXX per month from my social security check witch leaves me short every month, this needs to stop.
Product: Credit reporting or other personal consumer reports

I have filed a complaint with the FTC in regards to unregognized inquiries on my credit report. The inquiries in question are XXXX XXXX XXXX XXXX  XX/XX/year> with XXXX and the Inquiry from XXXX on XXXX on XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft which I let your company know many times. I contacted the Federal Trade Commission and filed a complaint # XXXX which are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize
Product: Credit reporting or other personal consumer reports

I have been attempting to access my credit report and profile on Experian 's website. I have a freeze on my account due to an identity theft last year. The credit report pop up, that I'm not allowed to bypass, can't provide my report due to some error. Possibly because of the freeze. So I'm locked out of any and all information about my credit. 

The automated phone system blocks consumers from contacting a human. No matter how many times you request a representative the system won't transfer you. I'm completely locked out and unable to access my report or unfreeze my credit with zero ability to contact a human at Experian to fix the issue. This is completely unacceptable. It is clear that Experian is avoiding contact with consumers and hiding their information.
Product: Debt collection

Collection appeared on my report out of no where for the first time, with no original date of debt from original creditor, after investigating myself, I found out this is an debt from XX/XX/XXXX which is almost 5 years ago which make it illegal to collect or send to a collection agency. I had no clue about this debt until XX/XX/XXXX, I also had XXXX during the time this was even a factor.. XX/XX/XXXX the state of virginia law has changed to stop reporting or collecting medical debts that are 3 years old this is why i feel as if this medical debt magically appeared out of no where! I will like a cease and desist & this to be removed from my credit as it exhibits me from progressing in personal affair.. I would also like for it to be no longer reporting especially when law goes into effect XX/XX/XXXX.
Product: Debt collection

I have no contract with this business. I have never done business with this company. This company is not registered in the state of Texas.
Product: Checking or savings account

I opened a CD account with Marcus Bank. I receive my first statement on XX/XX/2020. It showed a federal back up withholding charge as a percentage of the credited interest for the first statement. I called the company I XX/XX/2020 at XXXX XXXX. I was told that I signed a signature card. I would assume it would be for my protection to have my signature on file. I asked the representative to credit my account. She said that is not possible. I would have to file a tax return to get the withholding back this is a policy for personal CDs apparently it is however not a policy with IRAs The withholding will land when I sign a new signature card. I have never experienced such a procedure with any bank that I have done business with in the last 60 years when I withdraw my RMD from my traditional Ira account, I only say no withholding. This company is making monthly withdrawal of withholding at a 20 % rate of the amount credited for the month. I lose earning power because of that deduction. This is their position regarding errors and I quote - we will investigate your complete and Will correct any errors promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is an error so that you will have the use of the money during the time it takes us to complete our investigation The math : XX/XX/2020 interest of {$170.00} XX/XX/2020 CD Decrease Federal Backup W/H. {$41.00}
Product: Debt collection

i have a citi account that is reporting on my credit and i have never had a card nor account issued with them. it states that it was discharged through a bankruptcy but i never filed such a thing. and they have my name wrong it states XXXX XXXX XXXX XXXX. that is clearly not my name. i have sent three letters to citi bank and i never get a response from them. i sent all these certified mail dating back to XXXX XXXX the alleged account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021
Product: Credit card

Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I have never been late, yet they are being reported as such.
Product: Debt collection

Repeatedly call 5-10 times per day and email me 3-4 times per day, at all days and hours. It is extremely annoying!!! Today, for example has been XXXX XXXX  and XXXX XXXX  so far. Yesterday, it was XXXX XXXX, XXXX XXXX, XX/XX/XXXX, it was XXXX XXXX  and XXXX XXXX. It is getting to the point where I want to shut my phone off ; that is how frequently the calls are coming!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. XXXX XXXX XXXX XXXX
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 a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$1900.00} XXXX   XXXX {$450.00} XXXX XXXX {$3100.00} XXXX XXXX {$3800.00} XXXX   XXXX  XXXX {$760.00} XXXX   XXXX {$5600.00} XXXX  XXXX  XXXX {$1100.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Checking or savings account

On XX/XX/2023 at XXXX I received an email, a text, and a phone call from Wells Fargo Bank stating fraud detection on my account. I checked my account and sure enough there had been multiple fraudulent charges totaling {$3100.00}. There were multiple ATM transactions and two purchases with cash back at a XXXX grocery store. I immediately got on the phone with Wells Fargo told them I still had my card in my property, but that I did not make or authorize ANY of these transactions. Someone also got into my online account and changed my daily withdrawal limit to {$2000.00} and moved money from one account to another. We immediately closed all associated accounts and cards and I was told in 7-10 business days I would have my money back. That was XXXX  night. Two short days later I was alerted that my case had been denied as fraud due to the fact that I still had my card in my possession and the transactions were made not too far from where I live and was now closed. I made multiple attempts to contact the bank. I called XXXX  times and each time was on with them for over an hour as I was transferred from one person to the next each one stating they couldn't help me. Finally on Thursday, XX/XX/XXXX an escalation specialist told me she had assigned a manager to my account and I would hear back within 48 hours. On Friday XX/XX/2023 I went into a branch and spoke with a branch manager who told me he could have my claim re-opened. He called and spoke to someone and then told me the claim was already re-opened and that a supervisor was assigned to my case and he/she had 48 hours to contact me. 48 hours has come and gone and I've heard nothing. When I called back again this evening I was told there was nothing else they can do since the case was closed and that it was not in fact re-opened. I had previously requested the camera and video footage from the ATM 's in question and from XXXX, but they have told me that it will take 30 business days for me to receive this. They said they did a careful investigation into the matter, however they most certainly did not as they did not look at camera footage. They simply denied the claim. This is a lot of money and my livelihood that we are talking about.
Product: Credit reporting or other personal consumer reports

I made a error to include XXXX XXXX given CFPB ID XXXX with the report that Experian is excessively making inquiries for my information for credit cards. I apologize. I misunderstood.
Product: Debt collection

On XX/XX/XXXX I noticed a collection had been reported on my credit report. 

The debt was reported by Tek Collect , Inc. on behalf of XXXX XXXX XXXX. 

I had one visit with XXXX XXXX in XXXX after which I heard and read reviews that they had a reputation for doing unnecessary XXXX  work, fraudulent insurance billing, etc. 

I moved to a different XXXX, though I settled my bill for my consultation and XXXX. They complied with transferring the XXXX and analysis to my new XXXX. I have emails showing all of these communications. 

Since XX/XX/XXXX, I have not received any communications, bills, phone calls, mail, or contact otherwise from either XXXX XXXX or any collections agencies. The first time I knew of this collection was from my credit report, which is a violation of my rights to understand what the bill is for, verify its accuracy and or dispute the collection. 

I called XXXX XXXX to try and resolve this but the company no longer exists. Tek Collect seems to only offer a sales website so the phone numbers look like they are for companies seeking collection services. 

I disputed the collection with XXXX  - they removed it from my report. However, XXXX  will not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX regarding a fraud account I saw on my credit report. They stated that there was a " balance transfer '' to an account in my credit report, therefore saying that I am responsible for it. That other account has been now removed from my credit report because that was also a fraud account opened under my name. 
I have been in contact with XXXX XXXX XXXX for the past several months, it is not my account, I have never opened this account, I would like this fraud and innacaraute information to be removed from my report pursuant to Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$12000.00} as of XX/XX/XXXX Date opened XXXX Status Account charged off. {$12000.00} written off. {$12000.00} past due as of XXXX XXXX. 
In dispute XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit Card Terms NA On record until XX/XX/XXXX Credit limit or original amount {$12000.00} High balance {$12000.00} Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XXXX First reported XXXX Responsibility Individual Comment Account closed at credit grantor 's request. 
Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
Product: Debt collection

Original company was with Exeter finance company on or about XX/XX/2015 and now owned by XXXX XXXX balance of {$9900.00} was changed off. The Debt is to old to Legally collect.
Product: Checking or savings account

So on XX/XX/year> filed a dispute with chime for {$720.00} that was token out my account by fraud filed a claim canceled all cards order new ones withing 24hrs on XX/XX/year> claim was closed and denied when I received documentation on why it was denied all I got was the screen shot of the police report I sent and also screen shot of my cash app that said this wasnt me doing these withdrawals proved to XX/XX/XXXX Ive had to filed numerous rebuttles to this claim because it keeps getting denied finally find out its cause their were more transactions under this name so new rep filed a claim for all the other transactions because I was never informed of them and that was on XX/XX/XXXX woke up this morning XX/XX/XXXX to another email saying that claim was denied no reason as to why or such this company chime that operates under stride bank needs to be investigated for not properly investigation fraud claims Ive have retained an attorney and his is working to file a suite but in the mean time Im also filing a complaint here
Product: Checking or savings account

Last year around XX/XX/XXXX my tax return was taken from my cashapp account without my consent And I informed the company about to which they did nothing..I was locked out of my cashapp since then an wasn't able to access my account until XX/XX/XXXX when I seen that my XXXX tax return was also sent there an taken again with my consent. I informed the company again an they again did nothing to resolve or reimburse me for my loses the first was {$4400.00} an the second was {$9000.00} I'm asking for full reimbursement do to the fact that my account is fdic insured an my money should be as well im asking for full reimbursement of my funds sent to me at [ XXXX XXXX XXXXXXXX XXXX XXXX ca XXXX ] my name is XXXX XXXX DOB XX/XX/XXXX
Product: Credit card or prepaid card

Barclay XXXX reissued a card because the 1st one was returned in mail. No change of address, just got sent back. Was told that card reissued on XX/XX/XXXX and account was closed XX/XX/XXXX. Never received a letter that is was going to close and no letter it was closed. No one can tell me why it was closed and proper protocol did not happen. Been a card holder more than 10 years, no late payments. Why would they resend a card out and then close the account 3 days later? Log onto my account on XX/XX/XXXX and that is how I found out that it was closed. Barclay said there is no way to reactivate the account as it has been 30 days. Received no letter on anything, now my credit is marked for an closed account and now tried to apply again and my application is under review. Get penalized as my account was closed, no one can tell me why and credit gets marked and application is under review. Makes no sense and Barclay should be held liable for randomly close someone's account and not following company procedure. Also my credit score is above 750, which is excellent. After talking to the supervisor as she verified my address, I receive an email saying that I had a change of address. I called and was told that there was no submittal form on my profile requesting a change of address, so this supervisor lied and had an email send for a request for change of address. Sounds like a lot of improper information and Non truthfull statements from Barclay