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

XXXX XXXX XX/XX/2019 Upon checking my credit report numerous times in the past. I came across a Unverified account that is a bankruptcy that I have know knowledge of! 
I XXXX XXXX HAVE TRIED DISPUTING THIS CHAPTER XXXX BANKRUPTCY-XXXX XXXX   XXXX NUMEROUS TIMES IN THE PAST WITH THE CREDIT BUREAUS XXXX, XXXX, EXPERIAN AND HAVE FAILED TO GET A RESPONSE FROM THE THREE. THEY HAVE TARNISHED MY NAME WITH INACCURATE REPORTING! ACCORDING TO THE FAIR CREDIT REPORTING ACT THE CREDIT BUREAUS MUST MAINTAIN ACCURATE CREDIT REPORTING, AND ALSO 100 % VERIFIABLE PROOF ( DOCUMENTATION ) TO KEEP AN ACCOUNT ON A CREDIT REPORT. THE PROBLEM WITH THIS IS THAT XXXX XXXX XXXX XXXX PRESIDENT OF US INFO, AND XXXX XXXX EXECUTIVE VICE PRESIDENT OF XXXX XXXX AND XXXX XXXX XXXX OF XXXX  XXXX, AND XXXX XXXX SENIOR VICE PRESIDENT OF XXXX XXXX AND ALSO XXXX XXXX PRESIDENT OF US COMMERCIAL SERVICES AND CORPORATE CHIEF CLIENT OFFICER OF XXXX, ALONG WITH EXPERIAN ARE VIOLATING THE FAIR CREDIT REPORTING ACT FOR REPORTING UNVERIFIED FRAUDULENT INFORMATION AND KEEPING THIS INFORMATION ON MY CREDIT REPORT PAST STATUES OF LIMITATION. I HAVE ALSO TOOK IT A STEP FURTHER AND HAVE REACHED OUT TO XXXX COUNTY 'S REGISTER DEEDS OFFICE IN XXXX THEY WROTE ME BACK IN A RESPONSE LETTER STATING THAT THEY DO NOT REPORT TO ANY CREDIT BUREAUS VIA FAX, EMAIL, OR BY MAIL I HAVE UPLOADED THE PROOF! ALSO IF THE CREDIT BUREAUS CONTINUE TO VIOLATE THE FCRA AND DO NOT REMOVE THIS UNVERIFIED ACCOUNT I WILL PURSUE FURTHER LITIGATION AND JOIN THE FIRST CLASS CONSUMER LAWSUIT INVOLVING OTHERS WHO HAVE BEEN A VICTIM TO XXXX XXXX PRESIDENT AT XXXX AND ALSO XXXX XXXX EXECUTIVE VICE PRESIDENT AT XXXX  XXXX! THESE COMPANIES ARE TAKING ADVANTAGE OF HARDWORKING CITIZENS WHO DO EVERYTHING IN THEIR POWER TO KEEP THEIR NAME CLEAN TO PROGRESS IN LIFE. I AM DISGUSTED WITH THE CREDIT BUREAUS. I HAVE ALSO OPTED OUT OF ALL ARBITRATION THAT THEY HAVE SETUP SO I CAN NOT SUE YOU ALL IN SMALL CLAIMS COURT!
Product: Checking or savings account

This is an additional complaint as the response from Bank of the West from Complaint ID XXXX did not make sense as the complaint was not regarding reporting to credit bureaus. The complaint was issued pertaining to an unauthorized charge that I disputed within reasonable time and through a reasonable way, the online banking portal. 

Within Bank of the Wests response from the previous complaint Bank of the West never mentioned that they reviewed the conversations I had with their Online Banking department like I stated in my initial response. Bank of the West also did not review the unauthorized charge communication I sent through the online banking portal, which would have shown that I contacted Bank of the West about the unauthorized charge from XXXXXXXX XXXX XXXX within the appropriate time frame. Bank of the West did not adequately respond to the complaint since their response was very generic and did not provide any detail about what they actually reviewed. Rather they only focused on repeating what I had mentioned within the initial complaint. 

Initial complaint from Complaint ID XXXX : On XX/XX/22 my Bank of the West checking account XXXX was incorrectly charged by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ) for {$53.00}. Before this, the checking account was not used until the unauthorized charge. I disputed the charge from XXXXXXXX XXXX XXXX through Bank of the West 's online banking system. However, when I tried to see the status update I was unable to access my online banking as they took my permissions away due to the unauthorized charge overdrafting the checking account. I called Bank of the West multiple times and they assured me that they put notes on my account regarding the situation. I was told to dispute the charge through the Collection Agency ( XXXX XXXX XXXX XXXX ) by someone named XXXX from the Online Banking department, which I did. XXXX also assured through a phone conversation that the charge would be taken care of since it was unauthorized and there was a mix up of disputing the charge through online banking. Today ( XX/XX/22 ) I received documents in the mail stating the XXXX XXXX XXXX spoke with Bank of the West regarding the situation, but Bank of the West decided to continue the collection. There is absolutely no way I can obtain proof from XXXX XXXX XXXX that the checking account from Bank of the West was indeed authorized to be charged. There is also no proof that has been sent to me from Bank of the West or The XXXX XXXX XXXX that either of the companies did any type of investigation into this matter. I went through the proper channels to dispute the charge and Bank of the West decided to ignore the dispute and escalate the charge off that included the unauthorized charge and two overdraft fees to collections.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that Equifax block and remove the following fraudulent accounts and addresses from my consumer credit report. These accounts and addresses are a result of identity theft and fraud that occurred during my period of trafficking. As required by FCRA, I expect Equifax to take action within four business days of receiving this complaint. 

The following accounts were fraudulently opened without my knowledge or consent : XXXX XXXX Services Account Number : XXXX Balance : {$13000.00} Date Opened : XX/XX/year> XXXX Auto Finance Account Number : XXXX Balance : {$23000.00} Date Opened : XX/XX/year> XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$3600.00} Date Opened : XX/XX/year> Additionally, the following addresses, which I have never resided at, were fraudulently added to my credit report and need to be removed : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX To substantiate my claim, I have attached the following documentation, which has been accepted by other credit bureaus for the removal of these fraudulent accounts and addresses : FCRA Section 605C Self-Attestation Form Notarized Identity Affidavit Notarized FTC Identity Theft Criminal Complaint # XXXX Notarized Utility Bill Proof of Removal from other credit bureaus Furthermore, I am a victim of the Equifax Data Breach ( proof attached ), which contributed to the misuse of my personal information.
Product: Debt collection

See CFPB Case XXXX. I could not log in. I received letters from XXXX but still no evidence to establish how the accounts were opened and for what. They state that on XX/XX/2017, an XXXX store card credit application was submitted, and that the store card account was used for the XXXX membership. The prime membership is {$90.00} a year. I did not apply for a XXXX card through XXXX and the amount ( s ) charged do not comport with the amount of an XXXX XXXX membership. 

As for the XXXX card, XXXX states an application was submitted on XX/XX/2017, with name, verified address, telephone number, and other personal information, and activated XX/XX/2017, from " my '' telephone number. They do not give the telephone number, nor do they give the " verified '' address, etc. I at least need to know what telephone numbers were called, to and from, in order to activate the card. I also need to know what numbers, to and from, were used to make the {$72.00} payment using my business account debit card. I can verify whether or not the phone number ( s ) called from was mine and, if so, check XXXX records ( yes, I have those records ). I also want a copy of the credit application. In addition, was it an online application or a written application? As I stated before, my next door neighbor had his kids stealing our mail and the account was opened, apparently, using my home address, which I never used because of ongoing mail theft. Additionally, XXXX states I received the benefit of the items purchased, items that I had absolutely no interest in, did not purchase, and would never have purchased. Finally, XXXX referred me again to Midland Funding, which is only interested in collecting from me, the victim of this ID theft, the fraudulent charges. 

Looks like XXXX doesn't know how to do a real investigation.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

About XXXX/XXXX/XXXX I placed a " Security Freeze '' on my credit file with Equifax after finding out that I was one of the 125M people whose personal information was breached. Today ( XXXX/XXXX/XXXX XXXX, I used the Equifax email link to complete enrollment for " TrustedID '' offered by Equifax. After starting the process through creating a password, I got bounced to a pop up giving a phone number to call. I spoke with someone at the call center ( hoping it was a legitimate call center asking for personal info ). The woman said I failed to complete the security question process and I explained that I got the call center pop up before getting to the security question and the pop up said my enrollment was incomplete. The woman had difficulty getting my info and because of call volume, she said, her computer was very slow. I tried the enrollment link, and it said I was enrolled and to go to an Equifax link. [ [ [ Screen info is shown below. ] ] ] But, again, another pop up said XXXX was unable to complete activation. After spending more time on the line with the call center, I said to forget her effort and I 'll file a complaint. 

This mess is truly unbelievable. Why am I having to spend my time registering, activating, giving more info to Equifax, calling XXXX, hoping that my credit, my bank accounts, my retirement is " safe '' and now filing a complaint? And, if for example, one of my accounts is drained by thieves, where will Equifax be? This is an industry long, long overdue for scrutiny and legislation to protect the consumer, not the company. Unbelievable! 



Product Already Activated Our records indicate that you may have already enrolled and activated the TrustedID Premier product. Attempting to enroll again is not necessary. 

Please go to XXXX to log in to your product. 

TrustedID XXXX XXXX XXXX. Log in. Forgot your password? 

If you have any questions, please contact our call center at XXXX. 



Enrollment Error We are unable to activate you online. Please contact Customer Service at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX-XXXX  VISA Inquired on XX/XX/2020, BARCLAYS BANK DELAWARE Inquired on XX/XX/2020, BARCLAYS BANK DELAWARE Inquired on XX/XX/2020, XXXX Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts do not belong to me I have been trying to resolve this issue but I get nowhere, I'm a XXXX veteran and I'm trying to buy a home and this is stopping me from doing so, all the accounts info is below. 

XXXX Opened XX/XX/XXXX Balance {$7700.00} Account # XXXX XXXX Opend XX/XX/XXXX Balance {$1500.00} OPN Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$760.00} Account # XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$690.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$630.00} Account # XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$520.00} Account # XXXX XXXX   XXXX XXXX Opened XX/XX/XXXX Balance {$480.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$330.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$260.00} Account # XXXX XXXX   XXXX XXXX Opened XX/XX/XXXX Balance {$180.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$170.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$160.00} Account # XXXX XXXX   XXXX Opened XX/XX/XXXX Balance {$140.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$100.00} Account # XXXX
Product: Debt collection

Recently I have entered a credit debt on my report by an unknown party ; that a service I have never received. I believe it is an error since my XXXX is XXXX and might be a common errror on mis identification. Would like to have this remove immediately it causes nothing but headaches as I work hard to built my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Team, I moved from XXXX, XXXX  to XXXX, XXXX  in the era of COVID 19. So, this could be one of the exceptional cases that needs to be reconsidered ( help me to improve credit score ). 

I paid as soon as I am notified about the pending bill working with hospital  ( or medical provider ). Medical provider promised us that they will inform the collection agent and will not be reported. Looking at the records, I am not abusive user of my credit line and missed any medical payments. 

I tried all possible ways to improve my credit score, like paying in advance, using within limits, having 3-4 credit cards, not closing any cards etc etc. 

I worked with my financial institutions and cleared late payments and waived late payment fees long back when it happened because of several reasons. Worked with financial advisors to keep my credit score high. But, Still they are haunting me till date without a reason. 
Attached lots of information. Still, I can provide necessary information, if you need any. 

Please help to get my desired score honoring my history.!!!
Product: Credit card

I have had an account in good standing with American Express since XX/XX/XXXX. There are significant monthly charges and payments often in excess of $ XXXX/year on this account without incident. 
XX/XX/XXXX I was informed that a 'credit review ' was requested despite re-assurance that the account was in good standing. This contact was made on a weekend morning before XXXX XXXX on my personal cellphone ( this account has been handled by my office through an authorized representative that works for me for more than 5 years ) and requested an IRS 'transcript '. I attempted to comply with the instructions of the 'financial review ' department whom I had never heard of before ( I initially thought the call was 'spam ' ) but was told they would not work with my administrator or accountants and that I must forward correspondence from the IRS to them in unopened envelopes ( so how was I to know whether there was an appropriate response or a form letter in the envelope? ). There was no further contact with American Express despite a note placed on the outside of the IRS envelope asking for them to contact me should the material not be responsive. 
This past Saturday at XXXX XXXX EDT I was telephoned by a representative who told me that although my account remained in good standing financially, American Express was cancelling my account. No recourse, no time to cure, no appeal. I asked for a transcript of this and my prior conversations ( always speaking on a recorded line ) and was told that I would need to submit a subpoena to the 'phone company ' since this recording belonged to American Express . Although I always noted the name of the individual on a call each time I was told that I could not reach the prior individual. I requested a supervisor and multiple times was told they would reach me in '48 hours '. A manager never picked up the phone or returned my calls. 
American Express holds itself out as a bank, identifies itself as a bank, and yet insisted on only addressing my account review on Sundays or Saturdays at non business hours not at my office, the official contact for me, but on my cellphone. 
The behaviors described above violate my rights to due process with a credit agency or bank and are distinctly punitive, in contrast to my 28 year history of business with this company. Clearly there is a rogue department in Arizona that is systematically destroying customer relationships and targeting individuals - this is not the standard of business practice that a company purporting to be a 'bank ' and a credit agency should be allowed to use, randomly targeting individuals with accounts in good standing for no clear purpose.
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 XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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

I am a victim of identity theft and I have a collection account and credit inquiry listed on my Equifax credit report that 's fraudulent and unauthorized, and do n't belong to me. The following debt collection account and credit inquiry do n't belong to me : XXXX/17, XXXX./XXXX {$1200.00} and XXXX/17, XXXX.
Product: Money transfer, virtual currency, or money service

Date : XXXX XXXX XXXX am XXXX USD I try to transfer money to my account in the philippines but the transaction doesn't went well successful.It has been XXXX and I did not receive it its still pending.The customer service kepts on telling me that there is a technical issue. But when I try to send money again to check if there is really a problem it went well successfully.There delaying my transaction.The agents thay they have is not helping me.They couldnt even give me a clear answer and solution to my problem.I ask for a refund but they could not give ot back to me.
Product: Debt collection

I received a credit alert on my credit report. I now just check and find this company called AmSher Collection Services , Inc, XXXX XXXX XXXX, XXXX XXXX, XXXX, Al XXXX Tel ( XXXX ) XXXX on my report, had thrown me into collections. I have never heard of them. Never received any correspondence from them what so ever. I look at website and it first ask for last 4 digits of my ss number. Please note I was robbed in 2019 and my info was used and again in 2021my information was stolen.

I reported this last time my info was compromised through a company called Biz2Credit to the office of Inspector General and I have a letter from them acknowledging my complaint.

I am not sure if this company is connected to some random company that called my parents house last week demanding they pay my debt, but my parents are elderly so they just hung up scared.

Please help me. We are in the middle of a resurgence during a pandemic I am broke trying to rebuild last thing I need in my credit score going down lower and this company already did that. I tried calling them and they hung up on me when I refused to give ny social security number. Please I beg of you to help me. 

Please note my new address is XXXX XXXX XXXX # XXXX XXXX XXXX New York XXXX.
Product: Mortgage

Ally.com is my lender and servicer. I went online to make an on-time payment. Their system does not allow access to my mortgage information. I can not do anything more than see the total amount due. There is no access to pay or to see balance information or principal/interest payment breakdown. I tried contacting the bank support for the website and spent nearly an hour on hold, only to be transferred back onto a forever hold. I was unable to proceed with the company beyond this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Account Name : XXXX XXXX XXXX XXXX Acct number :
Product: Debt collection

To whom it may concern. In contacting the original creditor XXXX XXXX and Contacting a collecting agency who acquired my debt. There is no record on file showing they own a debt I need this removed as this is damaging my credit history.
Product: Mortgage

I requested a removal of Personal Mortgage Insurance. And was informed that if my home value was 80 % LTV on the home that PMI would be removed. I than paid for the appraisal to be done, {$690.00} to appraise the property. The LTV wasnt 76 %. A month later they responded with a letter denying me the PMI removal. They than informed me that I have a 2 year ( 24 month ) seasoning requirement. I was not informed of this before paying for the appraisal nor do I see any paperwork informing me that the PMI removal required this seasoning. 6 months away from reaching 24 months. And than mentioned the appraisal would only be invalid in 120 days since being done. So I would have to pay for a new appraisal