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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : 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: Checking or savings account

Bank of America has had my business account under XXXX XXXX frozen for over 4 months. The bank hasn't sent a single correspondence explaining why the account was frozen or provided a resolution to resolve the issue. Instead, they have told the account is under investigation, in closing procedure and there's nothing I can do about it. This is unacceptable. There is a significant amount of money in that account and this is affecting my family 's and my own livelihood. I am desperate and lost. I need your help to pressure Bank of America to communicate with me and to let me know what they need to complete the investigation and release my money. I did not commit any crime and I've been treated as such by this institution.
Product: Credit card

I opened my Lowes credit card on XX/XX/XXXX. I called Lowes in XXXX to report to them that I have never received my physical credit card in the mail. I was advised that it was sent to my old address. had just closed on a house on XX/XX/XXXX. I still had possession of the other home and was able to go back and forth and check the mail. I called into customer service and let the gentleman know I didn't receive the credit card. I wanted a physical credit card because every time I went into the store, I would have to show my ID, and they would have to look my account up. We the associate said we sent the card, and I let him know I didn't receive it. Well, I check my credit report, and it showed that he marked the card lost or stolen. I finally received my credit card in the mail at my new address in a couple weeks. Before I got the card, I needed to purchase a washer. I went to purchase a washer. I received a letter in the mail stating that my credit card was being closed due to my credit score. I was furious! I didn't understand and never read this in their terms and conditions. I called in numerous times asking them to send me the information where it stated this. They sent me out the credit card agreement and I read it front to back and still I didn't see the information. The representative on the line said verbatim " we can look at your credit report and see your score and if it is too low, we can close your account ''. Ivee never heard of this before! They ran my credit again to send me out a new credit card and I was not aware of this at all. Til this day, I still have not seen it in the terms and conditions. Just purchasing a new home, I needed my credit card for home improvements. My credit card was only open from XXXX. Lowes/Synchrony Bank still has not showed me where they could do this. I called in XXXX, and a representative told me the same thing and said it's in the terms and conditions. The reason I was calling was because they had closed my account and marked it charged off and said that they were supposed to send me a 1099c for the cancellation of the debt so I can report it as income on my Taxes. Well, I never received one in the mail. Income can not be reported on your credit report according to the FCRA. My account was charged off and my debt was sold to XXXX XXXX XXXX which currently is garnishing my wages illegally. They got a judgement against me, and I was not aware of said laws that protected me against creditors. XXXX never showed me they owned the debt, and they have fraudulently had possession of my private information. I never signed a contract with them and now they are garnishing my wages which is hurting me and my family financially. The amount is {$3600.00} which was charged off and reported as income on a 1099c. I am not liable for this debt. Synchrony bank had no right to close my account and run my credit without my prior knowledge. Their calls are recorded for quality and assurance purposes and I never agreed to have my credit ran again and then they close my account. I was current with all payments until they closed my account.
Product: Mortgage

I am the administrator for my daughter 's estate. I have recieved a short sale offer for the property. My realtor and probate attorney are working with the lender to close the short sale deal. The lender has approved the short sale and the buyer has opened an escrow by placing {$71000.00} down. 
There are complications regarding liens on the property which will take additional time to remove. The property is schduled to foreclose on XXXX XXXX, 2016 which will not give us enough time. The decedant 's ex-husband was ordered by the Superior Court of XXXX XXXX XXXX to remove liens from the property. These liens are in his mother and uncle name who reside in XXXX. He previously sent signed, notarized lien removal document to my daughter. I found these documents and gave them to my probate attorney. However, just recently we discovered that the paperwork he submitted is insuffienct to create a clear title. 
Corrected paperwork has been sent to the ex-husband demanding that he comply with the orders pursuant to the divorce decree. Since the deat of my daughter the ex-husband has been hostile and uncooperative. So far, he has not complied and we may need to take him to court to enforce the orders given by the divorce judge which will require an additional amount of time. 


However, there are complications which will require additional
Product: Credit card or prepaid card

On XX/XX/2020 I received a letter from PayPal stating they were planning to send me a PayPal debit MasterCard soon. It explained that if I did not want the card, I would have to log in and cancel it by XX/XX/2020. I do not believe it is right that I have to inform them NOT to get a debit card. You did not have an option for debit cards so I filed this complaint as a credit card problem. I feel that PayPal 's unsolicited delivery of a debit card should NOT be allowed.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXXXXXX 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 Experian : 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: Debt collection

Purchased item on XXXX using XXXX XXXX  in XX/XX/2016. Item advertised as being new and in working order. Item received suffered from factory defect. Attempts at contacting merchant were unsuccessful. XXXX instructed me to work with XXXX as " they would help ''. Only option at XXXX was to file a claim. Claim erroneously denied with XXXX stating this was a " warranty issue '', which is incorrect as the item received was not as advertised, i.e., " significantly not as described ''. I have spent nearly two years trying to get XXXX to fix their error, including sending two certified letters to their general counsel which never got a response. After the last certified letter to them, I stopped hearing from XXXX so assumed they just closed the issue. Now I am being contacted by a 3rd-party debt collector. XXXX never informed me they were turning me over for collections, and still does not acknowledge their determination was incorrect. I am happy to reimburse XXXX for their outlay to the merchant, as soon as I receive the item as advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dispute is against the 3 credit bureaus ( XXXX, Experian, and XXXX  ) for violating the FCRA several different times. I sent disputes about this inaccurate and unverified information via certified mail to all 3 bureaus as far back as XX/XX/XXXX and as recent as XX/XX/XXXX. According to the FCRA 623 ( 3 ) - they must notate that there has been a dispute when one has taken place ( they failed to do so several times ) and the items need to be deleted. According to FCRA 623 ( 9 ) ( b ) ( E ) - if information disputed by the consumer is inaccurate, incomplete, or can not be verified.. ( ii ) delete that item of information. According to FCRA 611 ( 6 ) ( iii ) - they must disclose the description of the procedure used to determine the accuracy of such investigation, they failed to do so several times after I requested. All of the closed accounts showing on my report have a past due amount, which is by sheer definition is inaccurate. Those same companies are also reporting negative information to my account each month in the form of late payments when these accounts are closed ( more inaccurate info ). They say the accounts are " updated and verified '' but I am not sure how because the information is not accurate. They show no type of proof they did an investigation at all. I am hoping I can depend on the CFPB to be the watchdog on the bureaus and get them to follow the law.
Product: Debt collection

Out of the blue my credit report shows i owe for an account I have never had. I later received a letter from XXXX cell phone. I have never had an XXXX account. I disputed this dept and have not received or heard from the collection company at any time, prior to or after seeing the item on my credit report. When disputed through the credit bureau they claim the debt is mine but did not provide any details. I have still not heard from the collection agency on the matter of the billing .This is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment made on XX/XX/XXXX from XXXX Checking account Key Bank calls XXXX XX/XX/XXXX @ XXXX to say payment is late I state above. Key bank representative advises me to file a dispute with XXXX Filed Online Banking Dispute with XXXX XXXX payment XXXX XXXX XXXX reaches out to Key Bank XX/XX/XXXX ( Biller will not speak to XXXX without Subscriber ) Key Bank stated they will not speak to XXXX without me XXXX closes dispute XX/XX/XXXX. Sometime in early XXXX called Key Bank with me, XXXX XXXX XXXX Online banking customer service to try to resolve issue, representative stated that payment would be applied to mortgage payment. I called Key bank on XX/XX/XXXX @ XXXX XXXX minutes transferred multiple times stated payment would be applied to mortgage XX/XX/XXXX payment made with XXXX check at Key bank location XX/XX/XXXX XXXX XXXX , NY Male from Key Bank ( did not state his name ) left voicemail on XX/XX/XXXX @ XXXX stating to return his phone call. XX/XX/XXXX collection department called @ XXXX ( 29 minutes call ) stating that my Key Bank mortgage is in delinquent status, I stated all the above. Representative was very rude so I stated I would rather call Key Bank directly to rectify. The same day, I called back Key Bank and spoke to customer service representative XXXX XXXX & XXXX on the phone 43 minutes being transferred back and forward Payment directly debt from Key account # around the same time ( will show on past Key statement ) XXXX was able to get Key Bank mortgage on 3 way and payment was applied XX/XX/XXXX XXXX left voicemail on XX/XX/XXXX at XXXX XXXX stating that they will be mailing out a paper check for the balance that should have been applied to the Key Bank mortgage. Paper check was dated XX/XX/XXXX ( see attached ). Received check from Key for overpayment that should of been applied to mortgage dated XX/XX/XXXX received check on / around XX/XX/XXXX which I deposited into our XXXX account via mobile banking on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have several credit card companies that are making dual accounts on my trans union credit report. 

I have brought this to the attention of trans union several times. They continue to do nothing. 

The first account with XXXX XXXX is paid as agreed {$0.00} balance account closed. 

The second account, they have the same account number, but have an outstanding balance. Account is closed also. The only thing that is changed is the dates. Everything else is the same. 

XXXX other accounts are reporting the same style as XXXX XXXX. Same account number one is paid as agreed closed and the second a couple years later has a balance outstanding. Just flat wrong XXXX XXXX  secured credit card has an outstanding balance of {$270.00} how does a secured credit card have an outstanding balance a couple years old. Seriously. 

Derogatory information XXXX has two accounts same account number different dollar amounts same dates same information it is obvious it is a duplicate but trans union will not do their job. 

Inquiries one company has XXXX of XXXX inquiries. I have never heard of them but the dates are not even in sequence and well over XXXX XXXX XXXX. They still remain on my report. 

Lately present address is an old address I lived at 5 to 6 years ago. As you look through my report you can see my current address is different but nobody has the time to change it. 

Now I know where my information from the credit reporting mistakes is going to some blank residence that I do not reside there any longer. Thank you for your time please look into this credit reporting hayday. 

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

I hope all is well. The reason why Im writing is because my XXXX XXXX credit card is not showing up on Experian credit report. Can you please put my XXXX XXXX credit card on my Experian credit report. Thank you very much for your time. Have a wonderful day and please continue to be safe.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I have not receive any response to the multiple letters I have send this company.
Product: Credit reporting or other personal consumer reports

I was in the market for a new home, and in a review if my credit report, I noticed that the status of an old paid off account has been reporting negatively with inaccurate information. I called the company and was advised that it will be fixed, as of XXXX  the account is still reporting incorrectly. 
This account was paid off in XXXX XXXX XXXX, and my credit reports last activity XX/XX/XXXX, and that the account is 180 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXXBalance $ XXXX Opened : XX/XX/2019 2019
Product: Debt collection

I recieved multiple calls from a CMRE FINANCIAL SERVICES before XXXX and after XXXX CT on multiple occasions as well repeated calls to relatives from XXXX XXXX. These appear to be from CMRE FINANCIAL SERVICES.
Product: Credit card or prepaid card

I have filed a complaint that was closed XXXX However, Wells Fargo has still not answered my question ( they simply sent a letter that stated the same script I was read on the phone )
Product: Credit reporting, credit repair services, or other personal consumer reports

Data breach information was compromised. don't recognize account
Product: Debt collection

You HAVE FAILED TO PROVIDE A WET INK SIGNATURE THAT I REQUESTED!!! YOU SENT ME AN E-SIGNED OR SOME TYPE OF PHOTOSHOPPED DOCUMENT WHICH I WILL INTERPRET AS IDENTIFY THEFT ON YOUR COMPANY 'S BEHALF. 
COLUMBIA DEBT RECOVERY Account : XXXX I have no debt with company and I NEVER SIGNED ANYTHING WITH THIS COMPANY. I'm taking them to court due to committing identity theft on me! USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor ) XXXX XXXXXXXX XXXX XXXX XXXX Balance {$240.00} XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I received an email and phone call from XXXX at Achieve Personal Loans. She stated she was calling from XXXX XXXX and received an application for a loan. Her phone call was to tell me that I was approved for a loan for {$15000.00} that I had applied for. I did NOT apply for a loan and when I told her that this would be fraud she told me that it was possible it was not fraud and maybe someone else applied for this loan in my name. When I specifically stated that I did not nor did anyone have authorization to apply for this in my name she said she would " red flag '' the application but refused to mark it as fraud. This was either a phishing attempt or a refusal to mark a fraudulent supposed application as fraud. 

The email sent to me stated that she had been " trying to contact '' me but at the same time she stated that the application was done XXXX minutes prior to speaking with me ( at which time I stated again I did NOT complete a loan application XXXX minutes ago ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported my debt as a charge-off but has not issued a XXXX form, as required by the IRS under Section 6050P for canceled debts. Without this form, its unclear if the debt is truly forgiven, which affects my tax reporting and may indicate inaccurate reporting. Under the Fair Credit Reporting Act ( FCRA ), creditors must report accurate and complete information to credit bureaus, and XXXX actions violate these requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint to FNB OMAHA on XX/XX/XXXX and they have not responded back within 30 days. They are reporting false information about a debt in which I was a victim of identity theft. Account opened on XX/XX/XXXX and the remaining balance is {$13000.00}. My Id and social was stolen from me during a theft and since then multiple fraudulent accounts were opened including said credit card ( FNB Omaha ). Please investigate and have them remove the fraudulent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are incorrectly reporting a collection in the amount of {$1500.00} on the XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account was included in my bankruptcy and therefore there is not oustanding balance to report. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.