23daVinci/CFPB_Complaints huggingface dataset:
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.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employer : XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX Collections XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this line item however, I have not been successful.
Product: Credit card

I got an email on XX/XX/XXXX advertising discounts on gift cards. I tried to redeem the advertised offer on a gift card that could be used at XXXX of locations. It would not go through on their website. 

I tried to explain this multiple times to Thank You Rewards Customer Service. They did not seem to understand the issue. But most of the time, I would get somebody from another country where XXXX was not their primary language. I dont know if its a communication issue or what but I explained it twice today. The first person denied that they still had the card available ( but they do ). Its just not discounted 10 % so he really had no clue what he was doing. He was very rude. The second guy was more professional but did not fix the problem. 
I have screenshots of the offer, as well as the times I called to try to resolve the problem. Unfortunately, I could not find an email to try to communicate with someone from thank you rewards.
Product: Bank account or service

On XXXX XXXX, 2015 I called Wells Fargo customer service to report unauthorized charges on my account. I was told there would be a stop pay order put in. When I went shopping I was unable to use my cards. After looking into this I found out there was a hard hold put on both my primary account and joint account. I am unable to access any of my money and was told it would take up to XXXX business days to resolve. I am now unable to pay bills or buy groceries. My personal banker and bank manager made numerous calls about this but did not get anywhere. They could not even identify who put the hold on the accounts or why, and found no one to help us. I have made numerous calls to the numbers I 've been given, and just keep getting transferred back and forth, and never reach someone in charge.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

You all took so much money off my cash app that was scam
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 I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681 s -2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

i noticed an already closed negative account of kovo and XXXX  XXXX XXXX on my account and i am very unaware of these XXXX accounts. I believe this is someone trying to use my information and i will be very pleased to see all of these incorrect information on my credit taken care of with immediate effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following unauthorized inquiries are showing on my credit report : - XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXXXXXX XXXXXXXX XX/XX/202XXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX  XXXX on XX/XX/202XXXX XXXX XXXX XXXX on XX/XX/2023 - XXXX XXXX on XX/XX/2023 - XXXX XXXX  on XX/XX/2023 - XXXX XXXX  on XX/XX/2023 - XXXX  XXXX XXXX on XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against the three major credit reporting agencies XXXX, Experian, and XXXX for failing to correct inaccurate information on my credit reports, despite my repeated disputes. 

The inaccurate information includes, but is not limited to : 1. Incorrect account dates ( opening/closing ).

2. Inaccurate balances that do not reflect the actual amounts.

3. Payment history errors, including false late payments.

I submitted disputes directly to each credit bureau requesting they investigate and correct these errors in accordance with the Fair Credit Reporting Act ( FCRA ). The bureaus responded claiming the information was " verified and updated, '' yet the inaccuracies persist on my credit report, which is unacceptable.

This failure violates the following sections of the FCRA : 1. Section 607 ( b ) : Credit bureaus must ensure the maximum possible accuracy of information.

2. Section 611 ( a ) : Bureaus must conduct proper reinvestigations and delete or correct unverifiable data.
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 Transunion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2006 Balance {$480000.00}
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block inc. ) due to inadequate customer service and unfair practices which violate the customer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic funds transfer act ( EFTA ) and regulations e these actions have caused significant inconvenience and financial losses and I seek appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

I contacted trust wallet customer service. XXXX regarding XXXX XXXX XXXX investment that was in view only mode. On XX/XX/XXXX. 

In providing a short description. XXXX from Trust wallet shared for me to download software from XXXX XXXX called anydesk software to remote connect. 

XXXX confirmed that the funds {$340000.00} were recoverable but controlled by a scammer. 

I would need to send whatever amount I wanted to recover XXXX XXXX  to my trust wallet by wire. 

This was my retirement funds after XXXX XXXX XXXX which had been previously scammed. So yes, I wanted to recover. But voiced concern this might too be scam. XXXX assured me he hadnt asked me to send him money. Or asked for my wallet ID. So assured me he was not a scammer. 

I went to bank and wired $ XXXX to the wallet. 
Acknowledged the receipt of funds in my XXXX wallet on XX/XX/XXXX On XX/XX/XXXX, I called XXXX to begin the investment process. Those funds were sent from kraken to Trust. Once the funds were sent to trust. They disappeared. XXXX assured me the funds would appear in my wallet within couple minutes. 

Waiting those couple minutes. The call was disconnected. I attempted to call the trust customer service back XXXX. Phone number was no longer working. Called XXXX XXXX. Number had been disconnected Have learned using another phone, the XXXX number is still a working number. So appears XXXX has blocked me. 

Appears the scammers trust wallet is visible which they have scammed multiple people.
Product: Mortgage

Bank of America XXXX should be reporting a XXXX balance! This was a purchase money 2nd loan. Per California Code of Civil Procedure Section XXXX Cal . Civ. Proc. Code XXXX. States the following : No deficiency judgment shall lie in any event after a sale of real property or an estate for years therein for failure of the purchaser to complete his or her contract of sale, or under a deed of trust or mortgage given to the vendor to secure payment of the balance of the purchase price of that real property or estate for years therein, or under a deed of trust or mortgage on a dwelling for not more than XXXX families given to a lender to secure repayment of a loan which was in fact used to pay all or part of the purchase price of that dwelling occupied, entirely or in part, by the purchaser. 
I have submitted my demand to the creditor and bureaus and have not gotten this issue rectified. Correct this error immediately or delete this account off my credit file!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account payment history is inaccurate and in violation of the FCRA because EQUIFAX is reporting account XXXX XXXX payment history reportsXX/XX/2019 90 days past due when transunion is reporting XX/XX/2019 current this is factual and is inaccurate and this account needs to be deleted from the report. the account status says 120 days past due but the reported balance says XXXX  as inaccurate and is in violation.
Product: Credit card or prepaid card

American Express closed my credit card. 
I, XXXX XXXX, am the consumer original creditor, natural person pursuant 15 USC 1692 a ( 3 ). I extended my social security credit card to open up this credit card account which authorizes me as the original creditor. Closing this account without written instruction of the consumer, myself, is a violation of 15 USC 1681b ( a ) ( 2 ). This is also a breach of my privacy and is discrimination! Due to financial hardships which i conveyed to XXXX American Express. I was unable to fulfill my alleged obligation / debt. Pursuant to FCA - Financial hardship is not grounds to close a persons checking account without the consumers written permission. Pursuant to Federal Law 15 USC 1681 ( n ) ( a ) i am invoking specified remedy as a consumer. I demand my account be reopened with a XXXX balance. I am willing to settle outside of court but if my demands are not honored and fulfilled. I will be invoking specified remedy as a consumer demanding monetary relief of {$50000.00} for damages, defamation of character, violation of privacy, my rights as a consumer and the erroneous reports that hurt my credit worthiness as well as raised the cost of credit. PURSUANT to 15 USC 1681 ( 2 ) ( b ) 'any authorization approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded for a consumer report. The definition of credit card under 15 USC 1681 is the same as it is under 15 1602 ( 1 ) which is 'the term, credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. In this occurrence, the CONSUMER, myself, and ORIGINAL CREDIT refers to Social Security Card aka Credit Card. CONGRESS stating 'ANY CARD '. In this case i used my credit card to originate the Consumer credit transaction with my American Express Credit Card. I am demanding my credit card be reopened with a {$6000.00} credit limit and a XXXX balance.
Product: Credit reporting or other personal consumer reports

I have disputed online several times regarding multiple credit cards & collection agencies on my credit report for the same lines of credit. I called XXXX & spoke with XXXX to escalate the disputes but she refused. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both on my credit report for the same closed line of credit/credit card. XXXX has the original creditor as XXXXXXXX XXXX  XXXX both are for the same amount of {$870.00}. 

XXXX collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX have the same original creditor XXXXXXXX XXXX  but two different amounts for the same closed line of credit on my report. XXXX has {$600.00} & XXXX has {$850.00}. 

XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX are both on my credit report for the same closed line of credit/credit card. XXXX has the original creditor as XXXX for the amount of {$1100.00} but the original creditor XXXX XXXX has the amount of {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 major credit bureaus are only interested in recording negative data. I informed them of court documented Breach of Contract on XXXX XXXX, 2017 for a toxic property sold to me at XXXX XXXX XXXX XXXX, Arizona with arsenic, and that caused default. I received no response from them except one recent reply from transunion. The credit bureaus have been tracking me since the age of XXXX. They forget about 40 years that I have played by the rules with consistency in timely payments. At the age of XXXX, and for the 1st time in life, I have no place to call home. I am back to square A again because of the lawlessness of others, and their desire for me to pay for their crimes. That is because the 3 major credit bureaus are seemingly only interested in recording negative data which presents a persons character as they would like for it to be and not as is. They have " scored '' me in a way that does not even allow me to rent a tent. Not because I do have money in the bank and in my pocket. But their record keeping has only continuously caused me a severe waist of time and money. I placed a freeze on the records to protect them from unauthorized abuse, however the abuse and misuse is coming from inside these organizations. I pay the fees to lift the freeze for a set time, and the Professional Corporate time wasting begins all over again. Even a so called " fair '' credit score is USELESS. So what is their point of existence?
Product: Mortgage

We were using Quicken loans to purchase a home, which is a new construction on VACANT land scheduled to be finished in XX/XX/XXXX, On XX/XX/XXXX i was asking about the closing costs because I noticed the property taxes {$2800.00} was on the tax cert. I was told this was an estimate because currently the lot was being assessed based on vacant land. 
On XX/XX/XXXX, I called the XXXX County Assessors office and I spoke with XXXX. I gave her the LOT #. XXXX told me that the only thing due was {$0.00} cents for the year based on the VACANT land. I asked her if XXXX County were going to come to come out and reassess the land now that there will be a home built on it. XXXX told me they will not reassess the lot for two years or XX/XX/XXXX. I emailed Quicken and was told Quicken would have to do their own research. 
On XX/XX/XXXX, I emailed Quicken and asked for an update. 
On XX/XX/XXXX, I received a response from Quicken and they stated they are adjusting the closing costs but keeping the escrow account with an estimate of the property taxes included. I responded and asked if RESPA comes into effect because it limits how much settlement costs can be collected. The Quicken rep called me back and explained they don't want us to have an negative escrow account a few years down the line, so it's their policy to collect property taxes based on an estimate. I told the rep that when I purchased a new build home back in XX/XX/XXXX, I ended up being short on escrow and XXXX had me make a payment to catch it up. The Quicken rep basically said it's their policy. I didn't want to delay the closing, so I just let it be and would instead file a complaint with HUD. 

My complaint is Quicken Loans/Rocket Mortgage is basing our escrow account / monthly payment on an estimate. They concluded {$2800.00} would be due in a few years! so they're over charging each month in the mortgage payment, holding it in their own bank accounts ( probably interest bearing account ). Quicken could have easily over inflated the property tax amount to a point where we would not be able to afford the estimated mortgage payment, which would have made us back out of the deal based on an erroneous monthly payment.
Product: Checking or savings account

I received email notifications from Bank of America on XX/XX/2022 and XX/XX/2022 regarding the opening of two bank accounts under my name using some of my personal information. Attempts to contact Bank of America over the phone concerning account fraud were unsuccessful and I was only able to speak with someone on XX/XX/2022 after emailing complaints to the company. Initial claims were filed over the phone and I spoke with 2 individuals ( XXXX in XXXX and XXXX in XXXX ) who then sent a follow-up information packet via mail on XX/XX/2022. The completed Uniform Affidavit for Identity Theft was mailed on XX/XX/2022 to the Bank of America digital fraud claims. Shortly after discovering the fraud I placed a freeze on my credit report, filed reports with the FTC identity theft department, and ordered a comprehensive report from Early Warning Systems to identify other potential fraudulent accounts. No further correspondence was received from Bank of America and a dispute letter was sent on XX/XX/2022 in order to ascertain the status of their investigation and insure the accounts were closed. Over a month has passed with no further word from Bank of America.
Product: Credit card or prepaid card

Card was set up without my consent. My wife made payments but the card was never used by me or my family.

BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX
Date Opened: XXXX
Responsibility: XXXX XXXX Account Type: Revolving Account
Balance: XXXX
Date Updated: XXXX Last Payment Made: XXXX
Pay Status: >Charged Off< Terms: Paid Monthly
Date Closed: XXXX Page 3 of 52 Loan Type: CREDIT CARD High Balance: XXXX
Original ChargeOff: XXXX
Credit Limit: XXXX Past Due: XXXX 
>Maximum Delinquency of 120 days in XXXX and in
Product: Credit reporting or other personal consumer reports

According to the FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY THROUGH PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNTS YOU POST ONA A CREDIT REPORT. OTHERWISE, ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL, OR EMAIL IN A FRADULENT ACCOUNT. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX ACCOUNT LISTED UNDER INQUIRIES XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15USC1681 SECTION 602 ( A ) STATES I HAVE A RIGHT TO PRIVACY.

15USC1681 SECTION 604 ( A ) STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

I DEMAND THAT YOU REMOVE ALL THE ABOVE ACCOUNTS FROM MY CREDIT PROFILE IMMEDIATELY AND THE CREDIT FILE BE UPDATED. 

***PLEASE REMOVE ALL NON ACCOUNT HOLDING INQUIRIES. 


THANK YOU, YOUR NAME : XXXX XXXX