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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXXL XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be CORRECTED from my file right away XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX {$420.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$6200.00} XXXX  XXXX Balance {$9900.00}
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, LCI ) has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 6802. According to 15 U.S.C 6802 ( b ) ( B ), I was never given the opportunity to opt-out from having my personal information reported to third parties. I have the list of Accounts that I will post here! ( XXXX XXXX XXXX XXXX date of late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX date of late payment XXXX ) I am Attaching identity and proof of address!
Product: Credit card or prepaid card

Hello, My name is XXXX XXXX. I have been a customer of Bank of America since XXXX. 

I had a personal Bank of America CC ( ending XXXX ) that was settled and closed since XXXX. However, I did not delete this card 's account from my online banking. Last year, I made payments to my active Bank of America CC using the online banking for a total of {$13000.00}. However, these payments were posted on the bank of America CC ( XXXX ) that was settled and closed. When I realized that the payments were going to the wrong CC, I called BOFA and received some of the money back in different forms. These payments were either deposited to my bank account or mailed to my house. I am still missing the amount of {$5600.00} though. I have been calling XXXX and transferred from one department to another since XXXX of XXXX. Each phone call I made, I heard a different scenario from the representative. I even went to a BOFA location in my area and the representative called the XXXX department but again the issue stayed unsolved. During my phone calls I got a case number # XXXX. I also got phone numbers of different BOFA departments. The last number I used was XXXX. I called this number about 10 days ago and today. Todays call was escalated to a manager who informed me that the case has been at the BOFA business office since XXXX the XXXX and it is pending review. Today is XXXX the XXXX and this refund has been pending review since XXXX the XXXX. Wow Let me know please if you can help me and if you need more information.. 

Your immediate attention is really appreciated. 

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

I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX in Wyoming. I reaffirmed my vehicle lease through US Bank, caught up all payments, and have paid on time or early, in full or extra ever since. I have run all three credit reports ( XXXX, XXXX, and XXXX ), and my lease account is not on any of those reports. At all. I am trying to rebuild my credit and need my positive payment history to be reflected. I went to XXXX XXXX so that I could get it refinanced for the sole purpose of getting it to show on my credit reports, with the lease document in hand and the vehicle physically in the parking lot, and was told by XXXX XXXX underwriters that they could not find record of my lease in credit reports so could not complete the refinance application. I have called US Bank several times, was passed around departments and agents ( and finally a pizza restaurant ). At one point one agent said US Bank reported my lease account back in XX/XX/XXXX but all three of my credit reports are more recent than that, and there is nothing from US Bank. I had a representative USPS mail me a complete transaction history/customer statement of account and with that I have proof that I have the account and that my payment history is perfect since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally address Experian 's failure to remove specific items from my credit report, despite my prior dispute letter dated XX/XX/2024. This letter was both dated and time-stamped, and I provided clear evidence supporting the removal of these items. To date, these items remain on my report, which constitutes a direct violation of my rights under the FCRA. Moreover, under 15 U.S. Code 1681b, which outlines the Permissible Purposes of Consumer Reports, I want to emphasize that I have never provided written consent for your agency to report any information on my consumer report. The absence of consent constitutes Identity Theft. Therefore, these accounts must be deleted immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The company Supurlative RM contacted a reference, then proceeded to give out my full name, address, date of birth and my full SOCIAL SECURITY NUMBER. My reference said they aren't supposed to give out that information and he insisted the call was me. She continued to tell him he shouldn't be giving her that information and he then started to argue and berate her insisting she was me and finally hung up and she told him to stop calling her. Not only do they continue to call her, they gave out ALL of my personal information!
Product: Debt collection

Three attempts have been made via certified letters asking for validation to debt, according to Fair Credit Practice Act, with evidence of signature that I owe stated by XXXX XXXX XXXX The debt collector is stating that I owe them {$160.00}, they sent more " debt owed '' letters in attempt to collect and sent a itemized statement that is not valid and does not constitute verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. The attempts were made to remove their information from all three credit monitoring agencies.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, Equifax discovered that criminals exploited a U.S. website application vulnerability to gain access to certain files that may have compromised as many as 140 million people. Equifax states that it is " offering free identity theft protection and credit file monitoring to all U.S. consumers, even if you are not impacted by this incident. '' In an attempt to understand what this free identity theft protection service would provide I attempted to review the web site indicated on the Equifax https : //www.equifaxsecurity2017.com/trustedid-premier/. Within this web site is information that states " Identity theft insurance underwritten by American Bankers Insurance Company of Florida or its affiliates. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions, and exclusions of the policies described. Please refer to the actual policies for terms, conditions and exclusions of coverage. Coverage may not be available in all jurisdictions. '' The web site does not clearly state what happens after the free year is over.
The site suggests calling a special call center for more information. My call to this call center on X/X/17 at XXXX PST ( XXXX ), revealed that the call representative could not provide the actual policies or terms for this service. I requested a supervisor but the representative refused to connect me to one and insisted that I refer to the web site for answers to my questions. Three times I repeated that the reason I was calling was because the web site did not contain the information and each time I was instructed to review the web site.
Product: Debt collection

Had to call around to find out what it was that pop up on my credit and they said its money owed to them by me. I do not owe this company or their creditor any money. fraud charges were made on my account. I have directly requested from this company physical proof that i owe the amount displayed on my credit file from this negative account. This company could not provide any documents to prove this account or a contract with my signature binding me, them or the creditor.
Product: Credit reporting or other personal consumer reports

There is some old credit report are close on my report would like for them be take off of my credit report like XXXX that is close as of XX/XX/XXXX, XXXX XXXX as of paid XXXX, Also XXXX XXXX  that is close paid XXXX XXXX  is closed XXXX, XXXX XXXX. XXXX XXXX XXXX There a few that need take off my credit report I didn't Authorization that be put on my credit report Also can you take off those old address need to come XXXX well Ally Financial, there are XXXX of them need help with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I have fraudulent accounts on my credit profile, incorrect address, incorrect employers, and incorrect personal information. These accounts such as XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and fraudelent bankruptcy listing.
Product: Student loan

Mohela is handling my student loans. Their website rarely seems to work. I have attempted to log in at different times of the day. They are consistent about sending me emails about a late payment but I have tried to be on top of them, it is just that the website is never working. I have tried linking to it from Studentaid.gov and it is the same.
Product: Checking or savings account

I have 2 bank accounts, XXXX XXXX and Chime bank account. I've been using my XXXX account for some time and was transitioning my deposits to my Chime account. I recently made 2 deposits into my Chime account one for {$92.00} on XX/XX/XXXX and another for {$30.00} on XX/XX/XXXX of XXXX My direct deposit for {$1200.00} was supposed to be deposited on XX/XX/XXXX, so when I call XXXX to check my deposit for the {$1200.00} they claimed they sent the money out, but Chime claims they never received it. 

On XX/XX/year> Chime closed my account without notice while I had a pending deposit for the {$1200.00} set for XX/XX/XXXX. I didn't find out until XX/XX/XXXX to inquire why my account was closed and for them to open my account immediately. I requested a transaction history for my {$1200.00}, in which Chime claim they never received and XXXX is claiming Chime must have kept the money because it was never returned. Right now, XXXX is telling me that I would have to go without my XXXX payment, unless Chime Bank returns my monthly payment. As of now, I believe Chime has stolen my XXXX payment for the month where I can't pay my bills due to their negligence.
Product: Debt collection

VANCE AND HUFFMAN LLC PURCHASED A XXXX  DEBT FROM XXXX XXXX XXXX. WHEN I CALLED TO FIND OUT WHAT AND WHO THIS COMPANY IS/WAS. I WAS ADVISE I NEED TO PAY A {$1.00} TO GET INFORMATION ON THIS DEBT. I HUNGED UP ON THE REP AND CALLED BACK. THE 2ND REP HAD INCORRECT NAME AND WRONG ADDRESS. WAS UNABLE TO IDENTIFY ME OR ANY OF MY INFORMATION. THEN STARTED TO ASK FOR MY CORRECT INFORMATION WHICH I DECLINE TO PROVIDE MY INFORMATION SO THAT SHE CAN UPDATE AND LINK ME TO AN INACCURATE ACCOUNT. AS OF TODAY, THEY HAVE FAILED TO REMOVE THE INACCURATE ACCOUNT. THIS COMPANY IS IN VIOLATION OF MY RIGHTS AND HAVE FASLSY REPORT INACCURATE ACCOUNT INFORMATION. THIS IS A STATE i HAVE NEVER EVER RESIDE OR ASSOCIATED WITH EVER. 

I WAS ADVISED THAT THEY SKIP TRACED TO GET MY EMAIL ADDRESS FOR AN EMAIL THATS NOT USED.THE REP KEPT FORCING ME TO GIVE HER MY INFORMATION AS SHE CLEARLY STATED THEY HAVE THE WRONG PERSON
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$650.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XX/XX/2017. Regarding a Medical Debt. I have no prior knowledge of the account in collection. I have no relation to this account. A medical bill in 2017 will need to be disputed. Please respond within the 14 days. thank you!
Product: Debt collection

XX/XX/2017 As you know, I have reported my identity was compromised. 

Police report and Identity Theft Victim 's Affidavit were filed and mailed to the Banking institution, Consumer Financial Protection Bureau and OCC. 

I asked that the charges be taken out of my billing. 

Please respond within the next 30 days as of XX/XX/2017 that the charges are removed.
Product: Student loan

I work in a covid unit. PEOPLE ARE DYING. Pandemic is spreading Navient robo-calls are constant on my office phone. XXXX XXXX numbers are : XXXX XXXX XXXX XXXX, XXXX XXXX ( who is on the recording ) does not exist. 
I don't have time for this XXXX. Calls must stop immediately.
Product: Checking or savings account

ON XX/XX/XXXX I SUBMITTED ONLINE PAYMENT FOR CONTRACTOR. I HAD TO SUBMIT TWO PAYMENTS DUE TO DAILY MAXX. {$5000.00} XX/XX/XXXX AND SCHEDULED XXXX FOR XX/XX/XXXX. ON XX/XX/XXXX CONTRACTOR TOLD ME I SUBMITTED TO THE WRONG PERSON. I CALLED BACK TO CANCEL. I WAS INFORMED THAT I WOULD HAVE TO FILE A CLAIM, I SUBMITTED CLAIM AND THE {$2500.00} WAS PENDING. I WAS TOL DIT WOULD TAKE 10 DAYS TO RESEARCH. I CALLED ON XXXX AND XXXX AND WAS TILD CLAIM STILL BEING RESEARCHED. I CALLED ON XXXX AND XXXX AND WAS TILD TO WAIT 10 DAYS FROM THE DAY I SUBMITTED CLAIM. XXXX I CALLED AND WAS TOLD CLAIM WAS DENIED ON ON XXXX. CHASE SAID THEY CONTACTED BANK ON XXXX AND THE MONEY WAS GONE. I ASKED WHY I HAD NOT BEEN TOLD THE CALIM WAS DENIED. CS SAID I CANT ANSWER THAT QUESTION. I WENT INTO BANK AND WAS GIVEN THE UPDATED DENIAL LETTER. I WAS SO CONFUSED ALL 4 DAYS NOONE SAID OH WE COMPLETED THE RESEARCH. THE TELLER PRINTED LETTER THAT CLARLY STATED CONTACT US IF YOU WOULD LIKE TO REQUEST THE INFORMATION XXXX. I CONTACTED NUMBER TO GET SOME ANSWERS. XXXX STATED I NEED A SUPENO TO REQUEST INFORMATION. CHASE WAITED 6 DAYS TO CONTACT BANK ABOUT FUNDS THAT WERE PENDING AND THE XXXX COULD HAVE BEEN RECOVERED. I WENT INTO BANK TODAY AND PERSONAL TELLER STATED OH LOOK AT WHAT IT SAYS WHEN YOU SEND PAYMENT. I UNDERSTAND IT WAS MY MISTAKE BUT SHOULD IT COST ME {$7500.00} THEY COULD HAD CONTACTED THE OTHER BANK SOONER. CHASE COULD HAVE CALLED CONTRACTOR HE HAD ADMITTED HE KNEW THE MONEY WASNT HIS. CS REP SAID I SHOULD HAVE SAID IT WAS FRAUD THEY WOULD HAVE MOVED FASTER. HOW IS THAT PROTECTING OUR FUNDS?
Product: Debt collection

on XX/XX/XXXX, I contacted I.C.Systems collection agency to inquire why are they continuing to update my credit bureau account that I owe a collection bill {$500.00} when they have been notified by XXXX XXXX XXXX that I dont owe this debt. I disputed this debt twice with the credit bureau and the second dispute, I included a copy of the email from the Office of the President of XXXX XXXX XXXX to confirm I didnt owe the debt. The supervisor from XXXX said on XX/XX/XXXX, eventhough I included a copy of the email from Ms. XXXX XXXX, Office of the President of XXXX XXXX XXXX, I.C. Systems refused to acknowledge it and said the collections is reported as accurate information on my credit bureau report. 
I called Ms. XXXX but voicemail acknowledge she is currently on maternity leave and to call customer service with no forwarding number. I researched the internet to find a number to call XXXX XXXX XXXX XXXX wireless service. They confirmed my balance is {$0.00} and that the information with I.C. Systems should not be reporting.

I asked I.C. Systems to call XXXX XXXX XXXX. I was told they are no longer in charge of the debt. I advise well how will they know I dont owe this. I even advised I was on the phone when Ms. XXXX called their company to informed them I am not responsible for this debt. The supervisor from I.C. Systems said the conversation never took place and there is no notes or documents to confirm my statement.
Product: Credit card

On XXXX XXXX, 2014, XXXX XXXX XXXX contacted me and offered to mentor me in my online business as per description of services : Business Entity Setup, Corporate Credit Building and Training Basic and Social Media Pages Buildout & Design Basic. They charged me {$16000.00}. Because the company double charged me on my XXXX XXXX card by {$5400.00} - XXXX XXXX did get the overcharge back for me. XXXX did not perform as contracted, so I requested reimbursement of payment through both Credit Cards ( Citi Bank {$6500.00} ) and ( XXXX XXXX {$5400.00} ). I was informed XXXX XXXX XXXX eventually was accused of Fraud and was shut down. At the time I complained to the banks, they were still open. Initially Citi Bank reimbursed me {$5000.00} but then they recharged me because they said I was too late and they never submitted the claim to the company. I am writing you to request assistance in the return of all my money totaling {$11000.00}. I am attaching all of my paperwork. Please contact me at XXXXXXXXXXXX or call me at XXXX. If you need anything further, kindly advise. Any assistance in this matter is greatly appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX are continuing to report an alleged debt from XXXX XXXX that is not correct. There are several inaccuracies within the account as well. 

Last Verified : XX/XX/XXXXXXXX XXXX XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account Status : Open Closed Closed ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Mortgage

On XXXX XXXX, 2011, shortly after I had opened my home mortgage loan with Wells Fargo Home Mortgage ( WFHM ), I received a letter from WFHM ( enclosed ) indicating that the Department of Housing and Urban Development was unable to issue the required lender 's mortgage insurance on my mortgage loan and that I may be entitled to a modification of my note. I was concerned about the information in this letter and I contacted WFHM to follow up on the letter. They referred me to another office at Wells Fargo Home Mortgage ( WFHM ) that created a modification for my note that raised my interest rate from 3.0 % to 3.85 %. 
I feel that the letter was deceptive and the result of unfair practices using the Department of Housing and Urban Development and the home mortgage crisis at the time. I felt that I was tricked into a new loan with a higher interest rate by the bank 's deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pull up my credit files on XX/XX/2020 to go over them before I apply for a home loan. As I looked over my files there is an account that does not belong to me and should not be on my credit files.The company that is appearing on file files is under the name of XXXX XXXX with account # XXXX. I have reached out to the company in reference to this account and they are not trying to help me. I spoke to a young lady in customer service and she told me to file a complaint with the credit bureaus. I did what she told me to do and the account is still showing on my credit file. I have asked the credit bureaus XXXX, Experian and XXXX  to provide me with a copy of the contract for this account nd they have not provided it to me and they are still reporting this negative information on my credit file.
Product: Debt collection

This company has called several times and I have informed them I do not have a debt owed to them. I've never done business with this company and advised them to remove my number and not call back. The representative said she will not remove the number and disconnected the call. I informed them they have the wrong number and I do not want any further calls. They have continued to call and harass me after several calls of me asking them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX DE