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

I am a victim of identity theft. There are fraudulant accounts on my credit profile that needs to be removed immediately. 

Fraudulant Creditors : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this XXXXXXXX  for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate reinvestigation of the item as its inaccuracies severely impact my credit score. Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and business addresses of each individual whom you verified and validated the above information w/ so that I may follow up accordingly. Additionally please send me a uodated copy of my credit report after completing your investigation. 

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

In XXXX and XXXX of 2020, I filed a dispute with this credit reporting agency about the unverified account : XXXX XXXX Account number XXXX -- XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in ove r60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these two unverified accounts as of today. Thank you
Product: Debt collection

I and my boyfriend moved out of an apartment we were told by our landlord that we would get an itemized list and move out report from her in a couple days, we never received XXXX, I sent a text message to our landlord after I had received a notice from a debt collector that I needed to pay an almost a XXXX XXXX dollar balance for our stay. I then asked my landlord when she would send out the itemized list and move out report which to she replied that she had not sent it out and would the next day. It has almost been a month now since we had moved out of the apartment and I still do not have any verification from my landlord or the debt collection agency, I had sent the collection agency a written notice that I disputed the debt and that I want to be contacted only via written notice, and for them to not call my phone. The collection agency has ignored this and has not sent anything via writing to my dispute and has instead continued to call my phone over seven times a day repeatedly.
Product: Debt collection

My son had a XXXX in XXXX 2014 at XXXX XXXX XXXX and was covered under his father 's insurance. All the bills the hospital sent were in his father 's name. There were a few bills and he told me he took care of them. I received XXXX bill from XXXX XXXX XXXX XX/XX/XXXX and thought it must be wrong. I contacted the hospital via their website a few times inquiring about this bill, but never received a response. I found out that this is now on my credit report and went to the hospital and then the administration building. They told me that they switched it to my name without ever notifying me and never sent me a bill and sent it directly to a collection company.
Product: Debt collection

Gentleman called and continued to call me a liar after I explained my situation to him. I repeatedly told him that I never ordered the system he called me about and he went on and on reading I suggest a his lines calling me a liar. I did not appreciate the harassment and do n't want him them to ever call my phone again.
Product: Debt collection

I have been in communication with this agency for the past several months. They seem to be playing a game with move it from here and place it there ; as well as, adding account to replace a removed account. The company hos now reported erroneous information to XXXX. I intend to file a suit in Federal Court, promptly if the company does not remove every collection reported in my name from every credit reporting agency as of Friday, XX/XX/XXXX. The employees seem to think this a joke. I have spent countless hours and money dealing with this. I will be seeking {$1000.00} for every instance. Thank goodness my records are well documented.
Product: Checking or savings account

On XX/XX/XXXX, I opened an account online with my son, XXXX XXXX. Recently, we have been experiencing issues with Bank of America 's online mobile banking. The online access gets locked for no apparent reason. I have called the fraud team multiple times, and while they assist in restoring access, it gets locked again soon after. 

I have contacted the department several times regarding my online access, but no one seems to have an answer as to why this is happening repeatedly throughout the day. I noticed that I received a call from a XXXX phone number. I am not sure if it is associated with Bank of America, but my research on the number yielded no relevant information pertaining to the bank. However, whenever I receive a call from that number, my online access is mysteriously blocked. 

Bank of America has blocked my debit cards and prevented me from accessing the accounts. I am unsure what exactly is going on with Bank of America 's online system or what triggers these lockouts, but it is extremely frustrating. I value my relationship with Bank of America and just want to get this sorted out. I believe this issue requires someone with higher authority to look into it, as the system is not operating correctly and is preventing account holders from accessing their accounts. 

Could someone from the XXXX team or XXXX office please get this under control and find a way to fix it as soon as possible to prevent it from happening again? I log in from the same IP address daily, with any changes occurring only when I switch from my home internet to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe. I do not understand if this would have any effect, as I log in using Face ID on my XXXX. I hope the XXXX XXXX XXXX is secure enough to prevent such issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not release my credit info to XXXX and XXXX XXXX. I pay a monthly fee to XXXX and Equifax is causing me an issue from being able to get all 3 scores. My Equifax credit score and report hasn't been updated since XX/XX/2021.
Product: Credit reporting or other personal consumer reports

Contacted Debt collector asked for proof of the alleged debt for account XXXX, specifically the alleged original application bearing my signature, and they have not been able to provide such proof to me therefore you are reporting misleading false accounts. XXXX and XXXX have deleted this account. I am demanding that Transunion follow suit and remove this inaccurate information from my credit report.
Product: Checking or savings account

i opened a checking account with first midwest bank ( firstmidwest.com ) in XXXX in response to a offer to receive a {$250.00} bonus after completing certain activities. I completed all activities on XX/XX/2019 and on XX/XX/XXXX I sent a message to them asking why I had not received my bonus. Here is the message I received in response. 
" XXXX, It looks like your account did not meet all the required criteria for the {$250.00} promotion. You did not have a positive balance. The balance of the account at the time of payout was a {$0.00} balance. '' I then sent them a message saying that it is correct that my account had a {$0.00} balance at one time, it was not my fault - it was due to a bank problem. The monthly service fee terms on their website say no fee if you are XXXX or older, I am XXXX. My account had a balance of about {$2.00} and they deducted a fee bringing it to {$0.00}. I called them and they coded my account correctly and refunded the fee. but still have no {$250.00} new account bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, i called the courthouse asking do they report bankruptcies to the credit reporting agencies. " The courts responded and said they DO NOT report any bankruptcies to anybody and that i can go to they're website and print off the letter they have on the home page stating that they do not report to the agencies. '' So if that's the case how did the credit bureaus certify my bankruptcy as 100 % accurate. They never did a fair invistagtion according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report " mean a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C 1681 section 602 A. States i have the right to privacy.

According to : 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 According to : 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.

And i also want to inform you guys that the credit agencies removed one of the bankruptcies the one from XXXX when i originally filed a dispute threw them and then put it back on my report which i will provide proof in the following documents which is also a violation and also put a change on my report as making it seem i just filed a new bankruptcy with a new case number.
Product: Credit reporting, credit repair services, 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. 

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 entered into a payment agreement with Wells Fargo XXXX XXXX account. I requested that they stop reporting my payment status as a charge off. They refused to do so. I disputed with the credit bureaus and all the investigation did was report the new balance but the payment status was never updated to paying as agreed. I have since then paid off the settlement and they continue to report a balance and monthly charge off status which violates my rights to completely accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with Transunion about the information thats being furnished on my report without my consent as well as the negative reporting that has caused damage to my life and living circumstances. I am aware that this bureau is in violation of 15 USC 1681 ( a ) ( 4 ) - Infringed upon a Consumers right to privacy as well as 15 USC 1681b ( a ) ( 2 ) - No Permissible Purpose/No written instruction
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly verify the documents? Several of the mentioned accounts contain inaccuracies, causing me distress.
Product: Credit reporting or other personal consumer reports

1. The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you can't provide these items Delete them. 

Delete these fraudulent items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and illegal inquiries listed on the FTC I have provided.
Product: Credit card

American Express made a " hard pull '' on my credit bureau ( I checked with XXXX ) for a credit card replacement. I did not apply for credit. 

Spent 4+ hours straddling between Amex Cust service and Amex Cedit Bureau division. One department would send me over to the other in a seemingly perpetual loop. Finally, XXXX from the Credit Bureau dept. asked that I send a fax to their investigative team. I did not hear back.
Product: Mortgage

On  XXXX   XXXX ,  2017 , I was in the process of applying for a mortgage loan and  XXXX   XXXX   XXXX  processing department sent  over the VOA ( Verif ication of Employment ) which including my full name, social security number and address. The information was not sent to m y Human Resource conta ct but was sent via email  to a general email box that is only meant for " Inquires '' not for confidential. This email is monitored by over 50 pe ople in my company. So as of  XXXX   XXXX ,  2017  my personal information has been released. I was informed by this breach of confidential information by th e Vice President o f my company, which could have resulted in disciplinary actions. I have spoken with the president  XXXX   XXXX  of the company and he has only offered a 3 year credit monitoring plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax put my identity at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordinace with the fair credit reporting act. XXXX XXXX XXXX  XXXX XXXX XXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so uncertain. I've submitted this complaint 4 times already & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Professional Credit Service identified me as owing {$340.00} for some XXXX, XXXX transaction without any details of what was transacted or where the products were sent.
Product: Checking or savings account

In late XX/XX/XXXX I got a letter in the mail to open account with them and get {$200.00} if I do a direct deposit and maintain a minimum balance. I had my check going into 2 banks already I added them in for {$200.00} to start with. It takes two 14day cycles to see your action. I month and a half I tried to log in and I could not because of the demands they ask to you put this and that before they will talk to you. With difficulty to get to talk to them or been able to log in. I was very much discouraged to make contact. Bank location was 10-15 miles from my home. I let it go since this account was meant to save only. I never withdrew any thing during its life. 

Some how I got into the account 2 months later and checked that the deposit was in. I increased to $ 1000+ a check. Then I left it alone till now when it has 32000 in it. When looked at it after that long they have charged me {$50.00} times 2 for low balance as maintenance fee when i did not have any activity in my account. I have never withdrawn from XX/XX/XXXX to XX/XX/XXXX. I asked them to at least refund my {$100.00} fee if they are not going to give me {$200.00} gift they were going to give. 

On XX/XX/XXXX I called and I was promised some one will call me back. I waited till Wednesday, Still no call back but I called they again took the message. Today XX/XX/XXXX, I called again and held on phone for 32 minutes and they still say that they cant help me. They call themselves privileged team for privileged accounts. 

I am going to the branch and close the account by XXXX today.
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 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 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 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 XXXXXX/XX/XXXX 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

My identity was stolen. At the early part of 2016, I started to receive telephone calls from several credit card and a exercise equipment company stating that I had taken out credit and had began to go delinquent in my payments. I filed a police report and provided it to all the creditors that I did not recognize on my report. While some companies have removed the fraudulent accounts from my report, XXXX XXXX/XXXX XXXX is one company that has refused to do so. I hired an attorney to handle this matter for me. He stated that XXXX would only agree to settle the balance that had now charged off. I made all the installments to pay it in full. However, the impact of identity theft is still affecting me because this shows as a negative entry on my credit. I would like for XXXX XXXX/XXXX to take in consideration all of the documentation I 've provided on identity theft and the great lengths I 've gone to get this rectified. I have disputed this in writing and directly through the bureaus but no one will listen to me! I have even agreed to pay money back that I never received. I want them to remove this from my credit report because we NEVER were in business on this account and they have come out the victor by getting money from me anyway.