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

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. Here is my Tracking Number # XXXX XXXX XXXX XXXX XXXX. However the Credit Bureaus said the completed the Investigation and EVERYTHING was 100 % Accurate. 

According to The Law 15 U.S. Code 1681a- Definitions ; Rules of Construction.

The Term " Investigation 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 conceming any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to.???? 

How did they complete this INVESTIGATION??????
Product: Debt collection

I would like to know exactly what im being charged over {$1800.00} for. I have requested the documentation several times, directly to the creditor and the credit bureaus through formal validation. I have just received a final bill that just states the amount owed, but has no itemized charges of how the bill came to over {$1800.00} in total.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX DEPT OF ED/XXXX Account # XXXX DEPT OF ED/XXXX Account # XXXX DEPT OF EDXXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX ha 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 an account without my written instructions.
Product: Mortgage

In the XX/XX/2015 I applied for a HECM as power of attorney for my XXXX year old father. 
This loan was approved, closed in XXXX of 2015, and an initial draw was taken on XXXX XXXX, 2015. My father passed away on XXXX XXXX, 2015. Ever since this process has been a total nightmare. Monthly reverse mortgage statements continue to be mailed to my father 's previous address, delaying my receipt of what could be important information. The most recent statement includes a charge for another property appraisal, less than four months after the original property appraisal. Each month 's statement also includes a fee for property inspection ; I have no idea what this means and certainly was never informed of such a charge during the application or closing process. Most recently I was informed that propertyinsurance coverage has expired and the lender is going to buy said insurance. Again notice is sent to an address which is not mine delaying any response or corrective action. Moreover, I have not received any notice of insurance expiration from the insurer and have recently paid a premium installment. My original intent was to sell the property and repay the loan with the proceeds, but to get out from under this treatment I applied for and was approved for a home equity line of credit on my own residence. I want to be rid of this siituation and this company as soon as humanly possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps getting, my social security number mixed up with someone else 's
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be ifaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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. 
Please remove the following items from my credit report, immediately : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed various disputes against XXXX XXXX for a derogatory item being reported to my XXXX XXXX  and Transunion credit reports. XXXX XXXX has even sent me a letter indicating that the debt is not mine and they want the item removed from my credit report. I am also attaching a Notice of Identity Theft Complaint With The Federal Trade Commission. The item is not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX Illegally charged off and/or purchased my personal information from a third party and is reporting open and charged off and closed negative accounts, that I have no knowledge of. 
as evidenced in my previous complaint XXXX XXXX was sued by the for illegal practices for inaccurate information which previously appeared on my report as i am being compensated. 
from the suit as referenced in account number XXXX on my consumer credit report. 

These open accounts, that I have no knowledge of, constitutes identity theft and a is violation of my privacy. Equifax XXXX and XXXX are guilty of identity theft as they have reported this inaccurate information without my written consent and without good cause.as section 623 [ a ] [ 6 ) clearly outlines the law. 
per the fair credit act this is violation of my privacy and constitutional rights as seen in FCRA AS PROVIDED IN SECTION 333 ( a ) of the act the violator shall be assessed a civil penalty of up to XXXX for each violation. 

These violations have caused me to suffer irreparable repair to my life and quality of life as such. 

PLEASE REMOVE THESE INACCURACIES FROM CONSUMER REPORT IMMEDIATLY
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I was added as an authorized user for a credit card ( XXXX ) the trade appeared on my credit report with a 3 major credit bureaus. The account was and is in a positive status. The account was not fraudulent it was accurately verified and reported legally. In XXXX or XXXX of XXXX I disputed this account for inaccurately reporting the balance with TRANSUNION. In XXXX of XXXX TRANSUNION claimed to have conducted an investigation and upon completion deleted the trade line from my credit report. I reached out to TRANSUNION regarding this error and was told that I needed to contact XXXX credit about having it reinserted. I then reached out to XXXX and they began the reinsertion process by sending me a document to sign and date as verification to the credit bureaus that I am in fact agreeing to have the trade line reinserted. I sign the document, sent it back to XXXX XXXX, they then acknowledged receipt and stated they will send the needed information to TRANSUION and the trade line will then be added back to my report. I spoke to a XXXX representative on XX/XX/XXXX and they then told me that TRANSUION responded to their request about reinserting the trade line back onto my credit stating that they refuse to reinsert it due to an internal policy. XXXX and I have contacted TRANSUNION and they are continuing to deny our request. TRANSUNION has not sent me any information regarding this internal policy they have resulting in their decision
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Money transfer, virtual currency, or money service

We deposited a cashiers from selling our vehicle into her account. They held half of it and let us take the other half out. They told us to return in a few days to pull the rest out. When we returned they decided I needed a valid ID as well to pull it out. This is what they told us anyway. Once we return with my updated ID. They decided they didn't know who told us that, and that we were out of luck. They were of no help and basically told us we have to wait until the account is closed to pull it out. We feel cheated and lied to. Wells Fargo XXXX XXXX XXXX, MN is a bad bank. Their XXXX  grade is an F. Majority of their XXXX reviews 1 Star. I am not surprised.
Product: Credit reporting or other personal consumer reports

My student loans used to be handled by a lending company called XXXX but after I started XXXX for the XXXX  and qualified for student loan forgiveness they transferred my loan to a company called XXXX. I have two issues now because XXXX is continuing to report my student debt as well as XXXX so it appears I have twice as much student loan debt on my report than I actually do.. also XXXX has been violated by the Biden administration and my account is in mandatory forbearance pending my income driven repayment agreement which should be set at XXXX continuing once the issue is resolved but XXXX is reporting that my payments are deferred and they keep adding interest to the balance in my credit report but there is supposed to be no interest during the forbearance. I would like XXXX to quit reporting and have it removed from my report and I would like a XXXX to report accurately and update everything but I have had no luck and it has caused me to be denied for a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  is reporting past status of limitations on a fraudulent charges account Disputed asked for validation of debt as I am entitled and they never responded Its now been since XXXX  past the California reporting period and they continue to damage my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have looked at credit report back around XXXX 2021 and noticed I had a hard inquiry from XXXX XXXX Inquiry date : XX/XX/2021. I had called chase and the credit reporting agency companies. Both XXXX  and XXXX  removed this from my credit report as I never applied or gave anyone authorization to apply for anything under my name. I never signed any paperwork and have no knowledge of applying for anything that is new. I have 2 credit cards with that company so I would have no reason to do anything else credit with them. It seems that only experian still shows it on the report and for some reason it is still on there. I have tried to call experian XXXX & XXXX of 2021 and was told it would be removed from there customer service team.
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 Equifax to validate account ( A ). It is not permissible to fail to validate the reporting account 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 corrected : XXXX XXXX XXXX XXXX Balance-
Product: Credit card

On two successive days, XXXX XXXX, XXXX, I called Bank of America about a fraudulent charge on my credit card account from XXXX XXXX XXXX. The disputed transaction was a {$100.00} charge for what I was told was a free warranty car battery replacement. The B of A representative I spoke with said that because XXXX had physical possession of the card at the time of the charge, no fraud could be filed. I responded that XXXX XXXX had asked to see the card to verify when the failed battery had been purchased, and told me there would be no charge for a warranty replacement. After that, I was transferred to the B of A Fraud department. The man I spoke to said he would file the claim but that he had to send me new cards for family and myself. He said it would take up to ten days. 

When I did n't receive the new cards I called back was told they would get back to me. I never received the cards. When I checked again I was told the account had been closed at my request. Since I never made that request I responded that someone in the Fraud Department must have made a mistake. I was told they would get back to me. Subsequently, I received a letter that the fraud claim had been processed and the charge had been removed from the account. But my account was not re-opened. When I called again the credit card department said they would again request new cards. 

On XXXX XXXX, I called to ask when the card would arrive. I asked to speak with a supervisor. He said the Credit Department had refused me credit. I replied that I had opened my card account in XXXX XXXX, had made over {$50000.00} in purchases since then, had paid my account balance on time every month, have an account surplus of XXXX, and had my credit line increased in XXXX XXXX. He asked about my credit history. I said it was the same as it was when I first applied and received credit in XXXX. He said he would check with the Credit Department and call me back at XXXX the next day. He never did. 

My complaint is : 1. Someone in the B of A Credit department had falsified information to make it seem that I had requested my account be closed. 
2. They then used that falsification to deny me credit in retribution for filing a fraud complaint. 
3. My credit history has remained the same since XXXX. The only bad mark on my credit was a bankruptcy filed in XXXX that had not prevented me from receiving credit from the bank in XXXX. The bank 's action is unwarranted.
Product: Credit card

This issue is with Care Credit Card, issued by Synchrony Bank. Sometime in XXXX, I paid the balance of my account in full, {$1400.00}. The account was interest free as long as I paid within 6 months. The account was paid in full after about 3 months ( I say about, because I don't have a statement. Sychrony bank does not provide statements on the website, and I never received paper statements ). When I paid off the account, I also closed it. Synchrony bank sent me a email saying I owed them {$32.00}, saying I paid late. I called, and the late fee was removed. Synchrony bank also charged {$2.00} for interest on the late charge. Synchrony bank would not remove the interest charged on the late fee, and reported me to the credit agencies who have lowered my credit rating from XXXX to XXXX. The interest continues to accrue at the rate of $ XXXX month. The account was paid in full ahead of the grace period. Synchrony bank has used this 'late fee ' gimmich as a revenue enhancement method.
Product: Credit card or prepaid card

Someone opened an account in my name around XX/XX/XXXX, there is a balance of {$5100.00} on the card ending in XXXX. I obtained this information from JP Morgan and chase and told them to close the account on XX/XX/XXXX. I contacted all three credit bureaus and asked them to place a freeze on my credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was shocked to discover that I have been a victim of identity theft. Numerous accounts on my credit report were not opened by me. I am distressed that this information has been included in my credit profile and that your procedures have failed to ensure the highest possible accuracy in your reports. Credit reporting laws require that bureaus report only 100 % accurate information. Every measure must be taken to ensure the information reported is completely accurate and correct. 

I have already contacted the Federal Trade Commission and filed complaint # XXXX. I kindly request that you block and eliminate all erroneous information from my credit report and provide me with an updated copy in accordance with FCRA 605B ( 15 U.S.C. & 1681c-2 ), which mandates the removal of such accounts within 4 business days of receipt. Specifically, please remove all information related to identity theft, including the following accounts : XXXX. XXXX, Account number : XXXX. 
XXXX. XXXX, Account number : XXXX. 
XXXX. XXXX XXXX Account number XXXX... 
XXXX. XXXX XXXX XXXX, Account number : XXXX... 
XXXX. XXXXXXXX XXXX, Account number : XXXX... 
XXXX. XXXX, Account number : XXXX... 
XXXX. XXXX, Account number : XXXX... 
XXXX. XXXX XXXX, date of inquiry : XX/XX/year> XXXX. XXXX XXXX, date of inquiry : XX/XX/year> XXXX. XXXX, date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXXXXXX XXXX XXXX - XXXX, CA XXXX ( Address ) XXXX XXXX XXXX XXXX XXXX - XXXX XXXX CA XXXX ( Address ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Address ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( Address ) XXXX. XXXX XXXX XXXX - XXXX XXXX, CA XXXX ( Address ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, CA XXXX ( Address ) XXXX. ( XXXX ) XXXX XXXX Phone number XXXX. ( XXXX ) XXXX XXXX Phone number Furthermore, in compliance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following details : 1. The names and business addresses of each individual with whom you verified the information.

2. The date on which you contacted the individual information furnishers.

3. The method of communication used to verify the information.

I want a human verified response as supposed to the computer generated responses I have been getting.
Product: Mortgage

My lender is not helping me save my house. I tried asking them for help but they keep on saying that no options available for me to save my house.
Product: Credit card or prepaid card

US Bank is holding my funds from my unemployment insurance for Texas in my account. This is not the first time US Bank has done this either. First of all two weeks ago, US Bank Locked my card right after I activated it. The very next day the card was locked. I did not even get a chance to use the card, because as soon as I received it US Bank LOCKED the card and put a fraud block. US Bank then left a voicemail telling me to verify my identity. So I went to the site US Bank instructed me to go to verify.usbank.com/identity and uploaded my documents 3 DIFFERENT TIMES. US Bank told me it takes them a week to verify it. So on Friday, I called to make sure they got the documents. After speaking with a supervisor and waiting on hold for 2 hours. US Bank supervisor confirmed that they received the documents and processed my submission and unblocked the card. Without apologizing. Then this week, I got another deposit and attempted to use the card to make 1 purchase and 1 transfer. The purchase was for apple itunes store, and the transfer was to my own checking account. on XX/XX/22 US BANK Cancelled my transfers 3 Days LATER. It says ACH Cancelled by Fraud Ops. So once again I had to wait on a 2 hour hold, and after speaking with both customer service and a manager I was told they need to verify my identity again. This is absolutely rediculas, Last week US Bank Confirmed they verified my identity and then when you use the card once every transaction they want you to reverify your identity? I told the supervisor I already did this last week and they confirmed it, and she told me she doesn't care I need to resubmit it and that they fraud monitor 24/7. As I instructed my identity documents have not changed in 1 week. She didn't care her name was XXXX. She told me that they can do this as many times as they want and it takes a week each time, She told me until I resubmit again, and again, and again they will freeze my account, and I am not allowed access to my OWN FUNDS. I believe this is definitely a case of consumer abuse. Especially when I am using my own money that I earned from direct deposit and they freeze my account every transaction. I do not believe I should have to continue to upload my documents every single day. That seems absurd.