23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I filed a claim with Bank of America that unauthorized charges had been filed on my account. They denied my claim in less than a week without looking into it. I sent in my ftc report and reconsideration letter and was told my claim would be resolved 45 days from XX/XX/XXXX. It is now past that time frame and now they are giving me the run around saying its a different 45 days and my claim still havent been resolved. My money is being held and Bank of America is violating my consumer rights.
Product: Debt collection

I entered into a HELOC with the XXXX XXXX in XX/XX/XXXX. XXXX put a lien on the property at the concurrent with the execution of the HELOC documentation. Later that year, I was forced to file a Chapter XXXX Bankruptcy due to the failure of my business, and I received no further communications from XXXX. In XX/XX/XXXX, My wife and I each received an IRS Form XXXX ( Cancellation of Debt ) from Caliber Home Loans indicating that the debt had been cancelled. I did an on-line search for Caliber and called the Caliber Customer Support number to clarify what the XXXX was and to request that the original XXXX lien be lifted. I assume that XXXX bought the debt from XXXX. The customer service rep could not find any listing for this loan in their data base and gave me a number for the lien/debt collection department. I called this number, got put on automatic hold, and eventually was disconnected. I tried calling 4 more times with identical results. I included the XXXX in my personal income tax filing for XXXX. I now have my house up for sale and have gone through a local Title Company to assist in getting the lien lifted. The Title Company was told by Caliber representatives that company might reinstate the debt collection effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not Authorize XXXX XXXX to  run my credit and I have already sent them a letter and waited XXXX BUSINESS DAYS to remove all hard inquiries that are unauthorized There is XXXX unauthorized inquiries on my XXXX report there are XXXX on my transunion report and there is XXXX on my XXXX report and capital one does not have my authorization to to run my credit therefore there should be no hard inquiries and I have tried to resolve this by phone mail and email. 
The XXXX XXXX and XXXX XXXX XXXX also do not have my authorization to run my credit and also I have no open accounts with either of them and I want these removed from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  I XXXX. The following personal information is incorrect Account Number : EMPLOYER XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXXXXX XXXX  XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX
Product: Debt collection

First National Collection Bureau , Inc Current Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX, XXXX Debt Description : XXXXXXXX Original Account # XXXX Ref # XXXX Total Due : {$27000.00} XX/XX/XXXXThis debt has been disputed for 15+ years complete validations of this alleged debt or any kind of proof bearing my signature, copys of original account statements has been requested by me from XXXX XXXX XX/XX/XXXXXXXX , XXXX XXXX XXXX , XXXX XXXX XXXX ect.ect.ect . by certified mail ( have all the proof ) Check all your files it is all in there, sofar all mine complaint, disputes and request for complete validations have been ignored, also all mine complaints with XX/XX/XXXX, CFPB and FTC. 
Why is First Natinal Collection Bureau , Inc knowing all of this with no proof of any kind trying to collect in behalf of XXXX XXXX XXXX with no proof of any kind ever provided and so did none of the others. 
Your all in violation of the fair debt collection act. The fair credit reporting act.and defamation of charather. 
I demand a immediate respond to my complaint Knowing all of this i will also consult my legal counsil for suit. 
I will also file another complaint with the FTC, XX/XX/XXXX and the Attorney Genral 's office. 
A COMPLETE AND FRAUD
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY, XXXX XX/XX/XXXX SS # XXXX XX/XX/XXXX Recently, i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts XXXX. XXXX XXXX, Account # : XXXX this account is being reported inaccurately, please remove this from my credit report immediately
Product: Mortgage

My name is XXXX XXXX and live at XXXX XXXX XXXX XXXX, XXXX, KS XXXX, I purchased a home through XXXX XXXXXXXX XXXX in XXXX, in XXXX the mortgage was purchased by XXXX XXXXXXXX XXXX in XXXX GreenTree purchased our mortgage and then in XXXX Ditech has merged with GreenTree. I was unaware of any kind of problem with Ditech Inc, ( Account # XXXX ) until I ran my credit report. They are reporting my payments being late from XXXX XXXX to current XXXX XXXX from 30 to 120 days late, our mortgage has not been late during this time frame and has been paid on time per the written contract with XXXX Mortgage signed in XXXX. Ditech is not honoring the contractual agreement terms of the mortgage holders that they have acquired. They are reporting my account past due {$7000.00} as of XXXX XXXX, per my bank records going back to XXXX XXXX XXXX my account is current. They are also charging me late fees when per the original contract signed with XXXX their is a Grace period from the 1rst of each month until the 15th, not considered late if paid prior to the 15th of each month. There are 8 instances on my Credit Report where they are not reporting the payments that were made to both GreenTree / DiTech Financial and the balance being unchanged. They are also incorrectly reporting the payment amount that was made to them for the months that are reported. They are incorrectly reporting the balance owed on my Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove inquiries done by these companies FCC/XXXX, XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX
Product: Credit reporting

On XXXX XXXX i filed a complaint/dispute with Experian in reference to a state tax lien that is being reported on my credit file. The lien has been deleted from the other XXXX credit bureaus as coming back as unverified from the state. Experian stated in their response to the XXXX/XXXX/16 dispute that you would respond by 30 days. 
you never supplied me with a response on the CFPB portal where the complaint was initially filed, but you stated in the initial response on ( XXXX/XXXX/16 ) * At your request to begin an investigation, we are in the process of contacting the public record vendor to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. * A debt should be validated from the state that filed the lien not a PUBLIC RECORD VENDOR! thats how you choose to keep reporting but no other bureau will report it because it has not been verified by the state! A public record vendor can not be the one verifiying this debt- its against my rights to have someone/vendor verify a debt that is being reported against me. especially when they do not and can not supply any proof or documentation that indeed this debt is mine
Product: Debt collection

I called XX/XX/18 about my account I was told by XXXX that I had 2 accounts one for {$1300.00} that i ask for proof and he hung up I called back and spoke with a woman i forgot her name however she told me she could not disclose any information to me about my account but yet says if i have any questions about my account i am free to give them a call
Product: Credit reporting or other personal consumer reports

I have 36 hard inquiries on my credit report that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Collection Agency has asked all reporting agencies to delete this debt due to fraud. 

Equifax, XXXX, XXXX are still reporting these debts
Product: Credit card

I opened a credit card with CitiBank. There was an issue receiving the digital copy of the card, but I made an account and proceeded to follow the steps. At this point it didnt allow me to use the digital version of my card until I received my card and I put my security code. Thats fine, but once I received my card and I put my security code, they automatically locked my card and gave me a number to call to verify my account. When I called, they asked me for a different phone number than what was on my account and if I was at work. Then they said they couldnt verify. 

I said you guys cant verify me with the same information I used to open an account, then close my account. They refused to close my account. Literally holding my credit hostage and forcing me to be a customer. They are willfully withholding my product and not following what was promised after they pulled my credit and we entered into a credit card agreement.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$950.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2019 Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2019 Reference # : XXXX.
Product: Credit reporting

I HAVE BEEN TRYING TO CORRECT PAYMENT HISTORY REPORTING TO CREDIT BUREAUS SINCE XXXX HAVE CONTACTED THE CREDITOR SEVERAL TIMES, EACH TIME I AM TOLD THE PROBLEM IS BEING FIXED.WHEN I ASK TO SPEAK TO SOME ONE IN CORP. OFFICE I AM DENIED, THIS COMPANY IS XXXX XXXX XXXX XXXX XXXX XXXX, AZ. XXXX ACCOUNT IS NOT BEING REPORTED AT ALL ON MY CREDIT REPORT THEREFORE CAUSING MY SCORE TO DROP.I HAVE HAD THIS ACCOUNT SINCE XXXX AND STILL PAYING EACH MONTH ON TIME.TO ME THIS IS AN INJUSTICE AND SOMETHING NEEDS TO BE DONE ABOUT THIS COMPANY!
Product: Checking or savings account

On XX/XX/year>, an unauthorized charge for {$200.00} was withdrawn from my account. The vender XXXX XXXX XXXX XXXX XXXX. I was never in that merchant
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service representative.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I received a washer and dryer from Conns. After coming home from work I noticed scratches and a dent at the bottom of the dryer. I contacted the store immediately and was told to contact the customer service number. After I submitted a request online, I was offered a {$69.00} deduction for the damages, however, I received nothing in writing. I also notified the store and the customer service department that the {$100.00} admin fee was not on the contract that was made available for me to sign on line. I was unable to retrieve a copy of the contract that I signed. The fee was added after the contract was signed. I informed the store manager that I wanted to return the appliances due to the damaged dryer and the {$100.00} hidden admin fee that was not disclosed upon signing the contract. I was told by the store manager that I had to pay the restocking fee before he had the appliances picked up. He tried to force me to pay the restocking fee yet the appliance was damaged. A few days later, the washer began pouring water from underneath which flooded my entire laundry room, dining room and garage. The appliances are not 14 days old. I returned the appliance to the store and the manager stated that I could not return the appliances to the store and that I owe because its a voluntary repossession. The appliances are damaged and the store is still trying to force me to keep them. The manager laughed and was unprofessional as I was explaining my issues to him and his staff members. I waited a week to receive some type of resolve with no phone call. I called customer care at the home office store and have not received a response. The appliances have been returned to conns on XX/XX/20. I have pictures as well.
Product: Debt collection

XX/XX/2016, {$1300.00}, I try writing to company and credit bureaus stating I have no acknowledge of this debt also I kindly asking them to remove it off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Credit reporting or other personal consumer reports

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XX/XX/XXXX. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report.

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/ Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future.

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report.

Sincerely, XXXX XXXX XXXX