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

I submitted to Trans Union a complaint that two accounts were inaccurate, I completed the complaint online at their website in XX/XX/2020. I have requested from them documentation to support their decision, they have elected to provide no proof to me on how they ascertained that the accounts were correct. This is very unfair to the consumer, the consumer has little or no ability to challenge their decisions. In both cases they were in error in regards to the reporting of these accounts ; 1. XXXX XXXX XXXX  They have reported me as being late paying, when the Stimulus Bills both stopped lenders from reporting these payments as being late.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am very disappointed that i looked on my consumer report and i saw that i have a bankruptcy showing on my report. As a naturally protected consumer this is a violation of my consumer rights. IF the bankruptcy is accurate i need you to validate it and prove it also have a senior officer from your office swear under the penalty of perjury that the bankruptcy is accurate and has been validated, I got denied a job opportunity because of the bankruptcy showing, my privacy has been violated and its deflamation of character if this issue is not resolved within 14 days i plan to take this matter into litigation and make sure i get compensated for not only the FCRA violation but also the emotional distress this has caused me i am losing sleep and depressed over this matter,
Product: Debt collection

This account is from a landlord trying to collect debt from past renters, but the renter was not me. The original company was called XXXX XXXX, and trying to speak with them about my identity being stolen and used to rent property with them was only responded with extreme anger and hostile threats by XXXX XXXX employees in XXXX Washington. The account is absolutely identity theft and I believe stolen by an ex boyfriend and his new girlfriend and they used my name to rent out of spite. I have tried constantly to fix this issue only to be treated like nothing I say matters. I've tried speaking with renters warehouse, and then it went to collections with Fair Collections and Out, and they have also been ignoring my requests and pleas. I'm not responsible for this account and I need it removed from my credit report. Because of it, I am unable to rent an apartment or get housing for myself and my daughter.
Product: Bank account or service

On XXXX XXXX, XXXX I set up an account with Bank Of The West. The account was a fresh start account for my son. Upon opening the account, I was informed that after a year of good standing the service fees of {$12.00} a month will be dropped. On XXXX XXXX, XXXX I spoke to a branch manager to have him drop the fees, he informed me that the fees were dropped. On XXXX XXXX, XXXX I noticed the {$12.00} fees ( there have been fees taken out since XXXX XXXX ). When I spoke with a branch manager she stated that my account will continue to be a fresh start account because there was an overdraft amount of {$4.00} in XXXX XXXX. The overdraft fee was paid the very next day. There was a breech of contact because I was lead to believe that after a year of good standing my account will not be considered a fresh start account, which is why I agreed to open this type of account with this bank. I am aware of the XXXX waiver which expressly requires the bank to consider hardship. I am also aware of the banking code, which requires the banks to behave sympathetically.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the unknown negative items on my credit report which are not mine My identity was stolen before and maybe someone opened and used my account Sybcb/XXXX Acct number # XXXX Syncb/XXXX  Acct # XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Inquiry by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  To Whom It May Concern : On XX/XX/year>, I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, regarding a XXXX XXXX XXXX. During our conversation, I was quoted a lease price of {$400.00} for the vehicle, including delivery and XXXX sales tax. I authorized the dealership to proceed with the purchase. They subsequently altered the price to {$420.00}, bait and switch? 

I explicitly informed XXXX, the sales XXXX, that my personal banker at XXXX XXXX  advised the dealership should not pull my credit. Instead, they were instructed to submit the necessary information directly to XXXX XXXX. I even confirmed this instruction via text message and herein submit relevant photo evidence. 

Despite my clear instructions, XXXX XXXX XXXX proceeded to pull my credit report from all three credit bureaus without my consent. Additionally, they had XXXX XXXX initiate a credit inquiry. As evidence, I have attached the relevant text messages as well as a XXXX file of the inquiry reflecting at each of the credit bureaus. 

Due to this unauthorized credit inquiry, I decided to cancel the entire deal. I promptly notified all three credit bureaus about the situation, but unfortunately, they have been uncooperative. Furthermore, XXXX XXXX XXXX has failed to honor their promise to remove the inquiries. 

I kindly request your assistance in resolving this matter. I believe that XXXX XXXX XXXX 's actions were not only unethical but also illegal. Please investigate this incident and take appropriate action to rectify the situation. 

Thank you for your attention to this issue. 

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

in accordance with the fair credir reporting act. the list of accounts below has violated my fderal proted consumer rights to privacy and confidentialty under 15 usc 1681 XXXX XXXX XXXX
Product: Checking or savings account

I deposit XXXX money order in chase bank with a banker teller. it wasn't posted in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. 

This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All XXXX credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently I am undergoing financial hardships brought about by incorrect, untimely reporting! Trying to reach any of these bureaus is a farce. I understand they are now under the control of   XXXX   XXXX   XXXX   XXXX  but frankly same old, same old. The reports still reflect incorrect information and wrong information not reflecting paid accounts and   XXXX   balances from months ago. In fact my score has not reflected positively due to this. Opinion- forget all they hype someone creates the scores and by experience they are being evidently manipulated to cause me to pay more. Someone has to have responsibility! You can not pay and go down or stay the same!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX Balance : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several monitoring companies alerting me to my credit report .I have duplicate accounts on my reports as well as someone from XXXX going into my account when I have called about the accuracy of the late reporting on my accounts and changing information that has been reported incorrectly for the past several years below is an alert I received from a company monitoring my information this statement is listed several times through out my report, If the information was accurate why would someone have to go and change the information two years later. 
Confirm Negative Change in Payment History As of XX/XX/XXXX, there was a negative change in your payment history related to your XXXX Student Loan. The period for your XX/XX/XXXX past due payment has increased. We recommend reviewing your payment history carefully Also after searching the the National Student loan  data base, it does not state my loans were ever late states they were in forbearance but yet the information wasn't correctly reported in which caused an adverse reaction into the simplest living a normal every day life, the stress and undo hardships I had to face with inaccurate information reported on my credit reports for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loans not reporting to XXXX. It has been over 60 days. This is the 2nd time I have had to file a complaint!!!! I already called XXXX and checked if they have any information being received from Aidvantage and they have not. This is Aidvantage 's problem not XXXX like they keep trying to make it. Fix this!!!!!!
Product: Credit card

In the last week I've received a number of dispute letters ( attached ) from a company that simply has the name " XXXX XXXX  '' on the envelope. It shows disputes related to credit card transactions that have nothing to do with me. I got another two today and I called the one phone number listed on the statement. I spoke with someone who barely could speak XXXX and they asked for my social security number. I didn't provide it and they wouldn't go any further in investigating the letters. I'm not sure where else to go so I need someone to shut this down as this account was obviously opened up fraudulently and the letters keep coming to me every day.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed letter to each XXXX of these companies requesting that these accounts be closed and removed from my credit report. No actions have been taken, now I am requesting again that these accounts be removed from my credit report due to identity theft. 

Possible Financial Account Number XXXX XXXX Balance Owed : {$170.00} XXXX XXXXXXXX XXXX Account Number : XXXX Balance Owed : {$250.00} Capital One Account Number : XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Account Number : XXXX Balance Owed : {$42000.00} XXXX XXXX Account Number : XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX Account Number : XXXX Balance Owed : {$200.00} XXXX XXXX Account Number : XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Account Number : XXXX Balance Owed : {$780.00} XXXX XXXX XXXX ( XXXX XXXX ) Account Number : XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX ( XXXX ) Account Number : XXXX Balance Owed : {$84.00}
Product: Credit reporting or other personal consumer reports

I just recently looked at my XXXX credit report XX/XX/year>. I saw some hard Inquiries that did not have permissible purpose. I also attached evidence Cap One Na XX/XX/year> this inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681B XXXX XXXX XXXX XX/XX/year> this inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a collection account on my XXXX and TransUnion reports that does not belong to me. I disputed the the item and both companies replied that the account was valid and belonged to me. I then sent a letter to both XXXX and TransUnion invoking the Fair Credit Reporting Act Section 611 requesting : The date you contacted the creditor The contact information for the creditor The name of the person who verified the item to you The method of communication you used to verify this information Did the creditor provide you with my SSN, address, and Date of Birth? 

I still have not received this information nor has it been removed from my credit.
Product: Credit card

I AM RECEIVING CALLS FROM A COMPANY EVERY DAY TELLING ME THEY ARE CALLING IN REGARDS TO MY CREDIT CARD. NOTHING IS WRONG WITH YOUR CARD AT THE PRESENT TIME BUT WE OFFER A COVRAGE THAT WILL EXPIRE TOMORROW IF NOT TAKEN CARE OF TODAY. PRESS ONE TO TALK TO AN AGENT. I PRESS ONE AND ASK TO BE REMOVED FROM THE CALL LIST BUT I AM NEVER REMOVED. IF THE OFFER IS TO EXPIRE THE NEXT DAY, WHY AM I GETING THESE CALLS FROM THE SAME COMPANY DAY AFTER DAY? THE CALLS FOR THE PAST THREE WEEKS HAVE COME FROM XXXX AND FFIDAY THEY CALLED ME THREE TIMES. TODAY THEY CALLED FROM XXXX AND IT SOUNDED LIKE THE SAME MAN I HAVE BEEN TALKING TO ALL THE TIME. I CONSIDER THESE CALLS AS HARASING AND HAVE MADE EVERY ATTEMPT I CAN TO GET THEM STOPPED BUT THEY KEEP CALLING ME. LATEST CALL WAS XXXX XXXX. today. can you please get them stopped? thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX
Product: Credit card

When I open XXXX XXXX it shows I have XXXX Credit Cards Open and I only Opened XXXX myself. XXXX XXXX Synchrony Car Care Credit Card is not a Credit Card I signed up for at all.
Product: Credit reporting or other personal consumer reports

I have sent numerous letters to your bureau informing you that I am a victim of identity theft, yet my concerns remain unresolved. Once again, I am disputing the fraudulent information that is damaging my file. 
Despite submitting the required XXXX complaint, your bureau continues to report these fraudulent accounts on my credit report. I have contacted the banks associated with these accounts, provided the necessary documents, and they have promptly deleted the accounts from their records. 

Additionally, other credit bureaus have already removed these accounts from their records following the submission of the XXXX report. I am curious about the verification method your bureau used to justify continuing to report these fraudulent accounts. 
XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing late payment this is inaccurate. 


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

I requested two months ago to cancel my membership and yet I am being BILLED and yet can not access my membership.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account ( s ) : XXXX XXXX XXXX # # # # # # # # XXXX XXXX XXXX XXXX XXXX # # # # # # XXXX XXXX XXXX XXXX # # # # # # XXXX XXXX  XXXX  # # # # # # # # XXXX XXXX XXXXXXXX XXXX XXXX XXXX # # # # # # # # # # # # XXXX has violated my rights. 

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

15 U.S.C 1681 Section A, Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 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 XXXX XXXX I attempted to send {$1000.00} to a person via Bank of America mobile banking app from my XXXX with the app BoA provided to me. I sent the money to a telephone number, one of 2 choices the other being an email address. This was a domestic transfer to a person that provided me with a service, boat transport. BoA sent the money to a foreign account, unknown to me, they do n't provide any infomrmation. The person I sent the money to has no foreign accounts. I provided no banking information for the person that was to receive the money, only a phone number. They have had their number for well over 10 years, not a new phone number. BoA claims they followed my instructions so they are blameless. They clearly did not. They found the incorrect link to a bank account, not me. This is not the first online problem with BoA in the past 9 months but the only one this complaint is concerned with. 
They clearly need to return the fraudulently transferred money. 
Claim number XXXX. 
Account ending in XXXX. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the handling of multiple attempts to remove fraudulent items from my credit report. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and resolve disputes in a timely manner. However, your agency has failed to adhere to these legal obligations in handling my case. 

This situation has caused significant distress and financial harm to me. The presence of fraudulent items on my credit report has negatively impacted my credit score and has hindered my ability to access credit and financial services.

I demand that your agency promptly conducts a thorough investigation into the fraudulent items on my credit report and takes immediate action to remove them. Furthermore, I request that you provide me with written documentation confirming the resolution of this matter. With this, I am asking for your assistance to remove these fraud items in my credit file : 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
Product: Mortgage

I have sent payment receipt copies of all payments, still being inaccurately reported and not corrected? Inaccurate Property Description refusal to correct? 
Inaccurately Principal Balance reported? 
XXXX United States Bankruptcy Court paid {$46000.00} only applied to the loan {$4600.00}? 
Recharging the customer for Payments the Bankruptcy Court has already paid? 

Sent unknown persons to my home Sunday, XX/XX/21 to verify if someone lived in the home or any damages? Mortgage Company sent our payment back to us, I remailed Priority Mail Tracking Number. I have sent 7-8 Priority Mail with tracking numbers none have been answered? I will not Refinance or have another Mortgage company buy out when there is inaccurate Principal balances due to Mortgage Neglance?

Can submit all Payments Receipts, Tracking Information Recorded conversation under separate cover.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXXXXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Mortgage

To whom it may concern : You all have broken every rule in the book when it came to giving me a loan and now currently you all still do n't want to negotiate with me. 

You all have done the following : 1. Improper approving my residential loan for gov't insurance and refinancing 2. Fraudulently submitting loan data regarding my loan # XXXX to XXXX that was false. 

3. Predatory lending by raising my rate over XXXX points at the time of financing. 

4. This is direct mortgage discrimination. 

5. By breaking the Home Mortgage Disclosure Act 6. By breaking my XXXX XXXX XXXX of XXXX 7. By XXXX.