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

Hello CRA ; I just refreshed my credit report and noticed that other credit reporting agency went ahead and remove this public record bankruptcy from my credit report. but, unfortunately, your unlawful conduct has caused me a lot of stress and financial harm, including worry and other distress, out of pocket costs and expenses, and loss personal credit opportunities. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! 

Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? 

For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. Youre required to obtain verification from the DATA FURNISHER and the court told me that they dont verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. 

MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 
This public record contains multiple inaccuracies The amount is incorrect This public record was dismissed or filed in error This item never went to judgment The bankruptcy chapter, status and/or dates are incorrect The date ( s ) is/are incorrect This public record is paid, satisfied or released Best Regards ;
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 ( 5 ), 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I currently have two open accounts with the Department of Education showing up on my credit report. I have never received a student loan. I did qualify and receive a pel grant ( I believe is what it's called ) back in 2012 when I was at XXXX XXXX XXXX, however the accounts showing up on my credit report are showing as opened in XXXX have contacted the Dept of Edu and they are saying that the two accounts in question don't exist on their end. They have told me the only thing I can do is " file a complaint '' on StudentAid.Gov webiste, however I have tried many times, only for it to tell me they can't take my feedback due to " technical issues '' as soon as I hit submit, every single time. I have a case number with them ( XXXX # XXXX ) I am currently working on my credit and these are accounts that don't exist and are affecting my score. I am hoping to get these removed. Thank you so much.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX, I am a victim of identity theft and there have been multiple accounts in my name unauthorized. I've tried to apply for a bank account and was denied upon receiving the denial letter. I t stated i were in the chexsystem and i needed to contact them. I've tried to multiple times fi x these errors with them. I did not consent or authorize any of these accounts.
Product: Mortgage

Bank of America has taken nearly 2.5 months to close my loan. For the first week I asked them if I needed to hire a lawyer for this process and it took nearly 5 days and me elevating to a supervisor to get an answer. During the documentation process I was asked repeatedly for documentation I already submitted, documentation that bank of america already has on file such as Escrow statments, deposit information ... During the appraisal process they never ordered the appraisal in a reasonable time and it took me calling and asking about it for them to realize that it was never ordered. Bank of America has asked me multiple time to reach out to both the closing lawyer ( their lawyer ) as well as mine to see if I can make them go any faster. For the ridiculous amount of money I am paying for this loan I feel I have done more work than anyone else. During the scheduling of closing they repeatedly asked my closing lawyer for information that he already sent to them as well as information that is never provided by the buyers lawyer and must be provided by the lawyer they hired for closing. This has been an incredibly stressful situation for both the buyers and sellers of the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

Puget Sound Collections keeps sending me letters in XXXX different names. When asked to verify this was my debt, they continue to just send statements of amounts owed in XXXX different names. I had XXXX for medical coverage and fear i have been a victim of identity fraud due to their breach. They show the wrong name for XX/XX/XXXX & XX/XX/XXXX showing on a statement using my married name when i was n't married until XX/XX/XXXX. They keep saying they have verified who i am but they have n't verified this is my debt and refuse to remove it from my credit report. They are harassing me and bullying me with tactics that are unfair.
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 are listed on my credit report XXXX XXXXXXXX Balance : {$990.00} XXXX  XXXX Balance : {$680.00} XXXX  XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$550.00} - XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00} XXXX/XXXX  XXXX Balance : {$930.00} XXXX  XXXX Balance : {$14000.00} XXXX/XXXX  XXXX Balance : {$680.00} XXXX  XXXX XXXX Balance : {$550.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00}
Product: Checking or savings account

Bank of America erroneously and feloniously stole U.S. Currency from me in the amounts of XXXX XXXX XXXX-XXXX  Dollars and XXXX Cents ( {$30.00} + {$330.00} ) and subsequently closed my managed, checking account. I ask that you intervene and assist in resolving. 
On XX/XX/XXXX, my now closed, Bank of America had a checking account balance above {$4.00}, and not more than {$5.00} On the same date, I transferred a total of {$58.00} from my XXXX account into my Bank of America checking account. ( See the attached proof ) Subsequent to the transaction, I went to a Bank of America ATM, proceeded to withdraw the {$58.00} ; yet, the Bank of America ATM advised me that my balance was XXXX. The ATM also advised me that by withdrawing I could overdraw, which was not accurate because the {$58.00} was transferred into an existing balance of {$4.00}, which would bring the balance to $ XXXXso, by my withdrawing {$60.00}, the balance would have been $ XXXXthis equates to no overdraft and the {$30.00} overdraft fee that Bank of America has charged becomes erroneous and an act of theft. Bank of America must reverse the fee. 

Moving the saga on, prior to all of this I had an ongoing dispute in the amount of {$330.00} against a merchant named XXXXBank of America has been informed of the merchants acknowledgement of my cancellation of the order ; yet, Bank of America has closed my account and has not informed me why my funds have not been returned. ( See attached proof )
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXXXXXX - {$800.00} ( XXXX ) Bankruptcy XXXX XXXX Bankruptcy - XXXX Inquiry XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

On XX/XX/21 after using an ATM to check my balance, someone was able to follow behind me and access my account from the same ATM and withdraw {$400.00}, putting my account in the negative. I noticed a suspicious individual hanging around the ATM. 10 minutes later I received the overdraft alert and called to report fraud. 10 days later, Wells Fargo denied my claim and refused to reopen it nor check the camera footage. I've been assessed overdraft fees and Wells Fargo is refusing to help.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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

There are several 30 day late payments dated reporting to all three credit bureaus as shown on the attached XXXX screenshot. I 've disputed the information several times, but the results keep coming back the same. I 've attached two statements from XX/XX/XXXX to show where my payment in the amount of {$62.00} via ACH were not late and withdrawn every month on the XXXX  as scheduled. Also attached is a payment ledger from XXXX.
Product: Checking or savings account

I was having trouble logging into my account on Webster bank previously known as sterling national bank staff at XXXX facility were not very helpful telling me i was doing something wrong ; when in fact there was something wrong with the site itself. In the meantime i finally got someone named XXXX to help me solve the problem ; in the meantime someone had wrote a fraudulent check for {$20000.00} out of my account. When i received my bank statement and saw what happened i went directly to the bank in XXXX and they said to come back the next day and they would help me they told me that the transaction was done 3 weeks prior and there was nothing they could do. They closed the acct and had me open a new one. No one at the banks are giving me any information. When i asked them why they would approve a transaction like that without my approval they had no comment. They are not being very cooperative with myself nor providing any information to the investigator that is working the case Please help me figure out the next steps to receiving that stolen money back. Thank you
Product: Mortgage

I understand that according to Homeowners Protection Act that Lender should automatically remove PMI when loan drops below 78 %. I have been trying to cancel this PMI but the lender wants me to sign an authorization to do a new appraisal of the house which is going to cost me from {$600.00} to {$900.00}. I don't know if this is legal if they are supposed to terminate the PMI automatically. 
Thanks for your attention.
Product: Credit reporting or other personal consumer reports

TransUnion has two accounts using my social security number and personal private consumer information under a name that is not mine. It is inaccurate and has caused delays in my personal life and business. I have called and requested TransUnion to delete the inaccurate information but they persist to have two accounts one in my name XXXX XXXX XXXX XXXX and another in a different name as in a XXXX XXXX XXXX. I have not given permission for anyone to use my Estate Trust name for personal consumer reporting. I am the beneficiary of the XXXX XXXX XXXX XXXX XXXX XXXX registered in Wyoming jurisdiction and also in California and Nevada as Exempt Corporations. They have two sides of my social security number under multiple names and I have called multiple times and ask for them to delete the inaccurate information according to 15 U.S.C. 1681a and 15 USC 6801. They have slandered and discredited my name and reputation. I have spoken to several of their employees and their response is that they can not verify me, as they report inaccurate information using my private social security number and birthdate. Please delete that second account that contradicts my name XXXX XXXX XXXX XXXX and not any Aka or also known as or former names this is damning. The two accounts have created multiple lawsuits against my property in another persons name and the attachments show I'm not a party to the matters none the less the attempts were made due to the inaccurate information recorded and It appears that TransUnion got this information and made it consumer public record by way of XXXX XXXX XXXX whom filed the fraudulent company 's with malicious intent.
Product: Debt collection

My name is XXXX XXXX XXXX and I have been the victim of fraud as a company has obtained my medical information illegally without HIPAA authorization, nor my written consent as a consumer to furnish this information to my consumer report. I have verbally and written them to cease and desist all efforts, and they have furnished this information. I have received multiple letters after submitting a cease and desist, as well as illustrating that they have received them and stating they do not need a HIPAA as they have a contract. They stated the FDCPA doesn't apply to them when they purchase a bill. Which is also illegal according to the FDCPA. 

Medical treatment is supposed to be private, so why is it showing on my credit report that I had a ride in a ambulance to the hospital on my public consumer report? 

Please see the attached items to see that I have been violated as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with ( PRA ) Portfolio Recovery Associates, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX PRA is currently reporting negatively on my credit report for an old credit card from XXXX XXXX and is no longer within the Pennsylvania statute of limitations. I have called them a couple different times and was completely unsuccessful. They refused to do anything. I 'm hoping that you can help me resolve this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently attempted to open an account with XXXX XXXX and they alerted me that i was in the Early Warning Services and I was denied to be apart of their credit union. But when I contacted Early Warning Services. They told me on the phone they dont know why they said that and they can only provide me with a Report and then I can only dispute anything i find inaccurate on the report. They were suppose to Email me and Mail me the report. I have not received any email or mail from them. XXXX provided me with detials and even a client inquiry number. However Early Warning Services told me they dont use any Client Inquiry numbers and they dont know why XXXX told me that. The letter is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XXXX I took out a loan for XXXX XXXX XXXX with XXXX XXXX XXXX on a 6 months same as cash for {$6200.00}. In XXXX I paid {$2200.00} towards the balance. On XX/XX/2023 I paid {$4000.00} to pay the loan in full prior to the 6 months. As of XX/XX/2023 this is still showing on my credit report as open with a balance. I have filed a dispute with Equifax but they keep sending me back to XXXX XXXX. I have been on the phone and in emails asking XXXX XXXX to correct this and they keep saying it has been reported there is nothing else they can do. I requested proof that this was reported on 2 separate occasions with no response. I need this removed from my credit report with Equifax immediately.
Product: Mortgage

I am doing a short sale for a client and the mortgage company, Bayview Loan Servicing gave us an approval in XX/XX/2016, but now refusing to honor that approval, so we can close. They have told me several times that the short sale was approved, but when I asked for the renewed approval letter, they keep lying to me. Their intention is not to process the short sale, but to foreclose. They now renege on their agreement in the past to the value.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX TransUnion Please be aware that I 'm not a credit company, so do n't allow your computer to label me as that I 'm a human being that knows my rights. I wo n't except no response other than this situation being fixed. No excuses from you. 

I contacted all three bureaus today and I mentioned that I want all fraud alerts removed permanently. This has been causing a problem for sometime now. Please remove all fraud alerts within 24 hours I do n't feel comfortable sending personal documents through the mail and I hope that you respect my decision. I do n't know why a fraud alert is reporting on my credit report and i thinks it 's because of the breach. If my credit file was breached I will take immediate actions against al three bureau for damages in a civil court room in XXXX FL within the next month. I have unknown inquiries on my credit file I 'm convinced my credit file has been breached and for every error I will make it my job to have my lawyer take legal actions. If for any reason a fraud alert is placed on my credit without contacting me there will be major consequences. I 've contacted BBB and FTC to file my complaint. You have 48 hours to fix this XXXX. Any inquiries that you see since XXXX 2017 is n't mine sorry.
Product: Checking or savings account

on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX there were 4 charges to my bank of america checking account in the amount of {$290.00} from XXXX services. I called my bank upon noticing these charges and immediatley reported them as fraud. as I have NEVER done business with this merchant. I filed a claim the funds were returned and i filled out an affidavit and returned to the bank to fight these charges. The bank them AGAIN took these funds which caused my account to go into a negative. I called the bank and they advised me that while this dispute was in investigation they would reverse all NSF and returned funds charges to me when the permanent credit was returned by the merchant.c I spoke to the merchant myself and advised them i have never done business or authorized them to pull funds from my account which they confirmed and returned my funds to my account on XXXX. Bank of america charged me a total of {$3300.00} in fees due to this and as of today XXXX have not returned a single one which they have told me numerous times would be done as i have been a customer since XXXX and my account is NEVER in a negative. I called last week and spoke to a supervisor who agreed all funds would be returned to me no later that XXXX.
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 the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 Balance : {$290.00} ; XXXX XXXXXXXX XXXX Balance : {$660.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted transunion on XX/XX/XXXX at XXXX XXXX eastern standard time I mentioned to TRANSUNION i was a victim of their inquiry issue, a representative mentioned to me they were n't able to help me out with the inquiries, sec 611 of the Fair credit reporting Act states anything that is deleted from your credit report and reinserted you need to receive a 5 day notification after that item is reinserted, for the record I was not notify by TRANSUNION of any notification of any inquiry being reinserted ... 

Name of Company Date of Inquiry Type of Business XXXX XXXX XX/XX/XXXX Finance XXXX XXXX XX/XX/XXXX Banking XXXX XXXX Finance XXXX  XX/XX/XXXX Oil And National Credit Cards XXXX XX/XX/XXXX Oil And National Credit Cards