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

I submitted a disput to equifax stating there were errors in the two bankruptcy entries I have on file. I responded to the courthouse and they gave me the correct dates which were reported wrong by equifax. I was also told there would not disclose any of my records to the CRA and their information from XXXX XXXX was inacurrate. So with that i filed a dispute and under the FCRA the CRA would have to delete any information that was inaccurate. I received an alert from XXXX XXXX the information was indeed deleted on XX/XX/XXXX, but then the same inaccurate information reappeared on XX/XX/XXXX. No proper investigation in my opinion was done and they should delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I had to file for personal bankruptcy due to a failed business which I had personal guarantees on. I have a car loan with Nissan and I have never been late on a payment and I have been making payments since filing. Nissan has filed a negative credit report against me and will not report that I have been making payments. Since the bankruptcy was business related it has taken a long time ( 22 months ) and it is due to close in 30 days. 

This negative report and refusing to report that I have been making my payments is negatively impacting my credit score.
Product: Checking or savings account

I opened an account with Wells Fargo in XX/XX/XXXX. The reason I opened the account was because they promised a {$300.00} promotional bonus for opening an account, and depositing {$1000.00} within 90 days. 

I have not received the bonus and called the wells fargo customer service on XX/XX/XXXX. The agent I spoke to kept asking me for details about the promotional bonus, and claimed not to be able to locate the offer on her end. Additionally, they claimed that the customer is responsible for proving that they had a promotional bonus on offer at account opening. They refused to provide any further details related to my account or the promotional bonus. 

I consider this to be FALSE ADVERTISING since the primary motivation for opening the account was a promotional bonus. I won't share my banking details in this form, but you or Wells Fargo can contact me directly with the information I provided.
Product: Mortgage

I paid {$600.00} via cashier check. & I got the signed copy from the XXXX. 
I am running in the issue as follow : It is not notarized or recorded. There is nothing stating they paid the $ XXXX as per the agreement verbiage to have the loan released. 

Here is the response I received from my Refi broker. 

This looks to be a the actual short sale settlement agreement setting the terms the borrowers must comply with in order for the bank to release. - ( I don't know what are the terms ) We will need written proof from XXXX/Ally that all funds due have been paid and the loan is officially released. 
Here are the actions I have taken. 
( 1 ) Today, I have left vm to XXXX XXXX AT XXXX XXXX AT ALLY BANK - She is the person who I am working with about my issue. 
( 2 ) I also have send email to Lien release department. 
( 3 ) also XXXX, XXXX XXXX -Email address - XXXX. - she is the person who had emailed me settlement offer.
Product: Credit card or prepaid card

I purchased curtains from XXXX XXXX XXXX XXXX XXXX XXXX. Immediately upon opening curtains which cost {$65.00} I noticed they were defective, one was much longer in length. I have photos and still have the product. I immediately went to the store to return, due to the bankruptcy of the store the manager could not refund. She told me to contact XXXX since they were the manufacturer- which I did. They said though their name is on the product the manufacturer is XXXX XXXX XXXX. 

I asked the manager what to do and she told me to put in a dispute. I also uploaded my conversation trying to return the product and them telling me to return it to the store, which I could not do! I lost my dispute and Discover attached XXXX XXXX XXXX XXXX return policy ( stating I can just return in store within 30 days )- which is not valid. If you contact XXXX, which is XXXX XXXX XXXX XXXX they state the date they stopped accepting returns- which is the only reason Discover has given me for losing my dispute and it has no validity. Please have them verify the actual policy by contacting that number. I reached out to the executive team and they are still stating I can return it to stores still. If you call any store in the US they are not accepting returns. Though it is a small amount, I want my money back and I do not care about keeping this product as it is defective and I cant use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. US DEPT ED XXXX {$8800.00} US DEPT ED XXXX {$4100.00} XXXX  XXXX XXXX {$1100.00} XXXX XXXX {$530.00} XXXX XXXX XXXX  XXXX {$18000.00} XXXX  XXXX  XXXX {$220.00} XXXX   XXXX {$280.00} XXXX/XXXX  XXXX {$2000.00} XXXX XXXX {$510.00} XXXX/XXXX   XXXX {$700.00} XXXX-XXXX  XXXX {$490.00} XXXX  XXXX {$740.00} XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3100.00}
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got done cleaning up my bureau report with Transition yet I found and unauthorized inquiry from some XXXX  that was pulled an XX/XX/2023.. I never applied for any services with this bank and I notified Tranunion of false inquiry that ia causing harm to my credit bureau report they refuse to remove.. I do not never have any account with this XXXX and this is misinformation that XXXX is refusing to remove ..I need the CFPB to step in and apply legal means for forcing law on unauthorized inquiry that XXXX is allowing harm by refusal to remove
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX Date of XXXX XXXX Date of XXXX XXXX XXXX Date of XXXX NAME : XXXX XXXX XXXX, XXXX, A PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX PL XXXX, IL XXXX XXXX XXXX XXXX AV XXXX, IL XXXX EMPLOYER : XXXX  XXXX  XXXX XXXX  XXXX CO
Product: Money transfer, virtual currency, or money service

This is my third complaint on the same matter - BOA keeps beating around the bush. In their most recent response they state that CFPB had given them till XX/XX/XXXX before enforcement of the fee disclosures - If that the case then why was my transaction in XX/XX/XXXX not processed when there was no disclosure. My previous transaction, as stated in my earlier complaints were successfully processed. It's strange that CFPB had relaxed the enforcement due to COVID, yet BOA did not execute my international wire transaction in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found after checking a copy of my credit report I noticed some inaccurate information reporting fraud-related accounts that were opened without my knowledge or consent. I have made contact with all parties involved and this account still remains on my credit report. I have submitted several pieces of supporting documentation to further validate my claim. I am exercising my rights under the FCRA and FDCPA in regard to victims of identity fraud. I've never had any account or contract associated with the Convergent Outsourcing nor received any goods, services, or money in relation to any account associated with Convergent Outsourcing.
Product: Vehicle loan or lease

Hello, I am reaching out to Ally Auto and submitting this complaint because I believe that there is a failure of the credit reporting system due to medical emergencies that has created an unjust issue for me. This past year I unfortunately battled multiple health issues. Long term XXXX and XXXX XXXX. Because of this I have been hospitalized twice for weeks at a time. During my last hospitalization I was unable to contact Ally Auto to make my monthly payment. This resulted in a 30 day late on my account and credit report for XX/XX/2022. Once I recovered and returned home, I was able to get caught up on my payments. I am reaching out for a goodwill gesture to forgive this late payment. It would mean the world to me. I am currently trying to live with the tremendous toll that XXXX has had on me personally and the health issues it has left me with.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information reported on my credit report regarding account number XXXX. According to the information provided by XXXX, the account was sold to XXXX XXXX. However, after careful review, I believe discrepancies in this account 's reporting warrant investigation. On or about XX/XX/2022, XXXX purportedly sold account number XXXX to XXXX XXXX. XXXX indicated that the account was charged off, and {$1900.00} was written off as bad debt. It is crucial to note that XXXX relinquished its rights to this debt upon the sale of the debt to XXXX XXXX. XXXX can not sell an account and maintain a tradeline simultaneously on my credit profile. Including the tradeline on consumer reports makes it Inaccurate and Incomplete and violates the FCRA 's proper reporting. I am being penalized twice for one offense, which is tantamount to Double Jeopardy in criminal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXXXXXX XXXX I asked Equifax to investigate the below listed accounts for accuracies. On XXXX, XXXX. XXXX Equifax responded back to me and stated that the below named accounts were properly INVESTIGATED and VERIFIED but how is this possible when I found several inaccuracies, This is grounds for removal. 

XXXX XXXX XXXX # XXXX Account type. inaccurate Monthly payment. Inaccurate Date opened. Inaccurate Payment status. Inaccurate Last reported. Inaccurate Date of last activity. Inaccurate Date of last payment. Inaccurate XXXXXXXX XXXX XXXX # XXXX Payment status. Inaccurate Date last reported. Inaccurate Date of last activity. Inaccurate Date of last payment. Inaccurate XXXX XXXXXXXX XXXX # XXXX Account status. Inaccurate Payment status. Inaccurate Last reported. Inaccurate Date of last activity. Inaccurate Date of last payment. Inaccurate 15 U.S. CODE 1681 section 604a 2 also applies here. 

I have attached a copy of my most current credit report dated ( XX/XX/2022 ) as proof
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both Carrington Mortgage and XXXX XXXX XXXX several times over the last months asking for the date of first delinquency to be fixed on my reports. The most recent contacts to both companies were by phone on XX/XX/XXXX, by phone on XX/XX/XXXX, by email/fax on XX/XX/XXXX and through disputes with XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have not updated the date as of yet. 

The date of first delinquency that is showing on all 3 credit bureaus : XXXX, XXXX and XXXX. The delinquency shown is XXXX of XXXX but the date of first delinquency was XXXX of XXXX. The mortgage loan was originally owned and serviced by XXXX XXXX XXXX. It was then transferred to Carrington Mortgage and finally to XXXX XXXX XXXX. Per FCRA 605 & 623, when a debt is sold and was delinquent, the date of first delinquency is to be reported as the original creditors date of first delinquency. In the case of this account, the account went delinquent with XXXX  XXXX XXXX in XX/XX/XXXX. As it was never brought current, the date of first delinquency is XX/XX/XXXX. 

You will see in the XXXX XXXX  Report the XXXX XXXX XXXX Information ( bottom of page 4, top of page 5 ) the account history for XXXX  XXXX XXXX and the information that is was transferred. Bottom of page 5 to top of page 6 shows the incomplete Carrington history. Carrington received the loan in XXXX XXXX but did not report until XX/XX/XXXX until XXXX XXXX. XXXX received the loan in XX/XX/XXXX-XX/XX/XXXX. 
The 2 were the follow-up letters that I submitted after the CBA disputes were not updated properly. 

The XX/XX/XXXX XX/XX/XXXX Document shows that the XX/XX/XXXXXXXX XXXX account has been removed due to the 7 year rule but both Carrington and XXXX are still on the report ( pg 11 & pg 16 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} ; XXXX Balance Original Creditor : XXXX XXXX Texas XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX Date of Inquiry : XXXX
Product: Debt collection

on XX/XX/2021 at XXXX XXXX  a I received a voice message regarding a debt owed. My roommate returned the call XX/XX/2021 at XXXX XXXX  not knowing what it was. They spoke to Ms.XXXX  this representative disclosed not only the debt, the amount, dates, and where it was from but also even gave out my personal address to a 3rd party. 
The only verification the represented asked was " what is the first name? '' and when my roommate said I believe XXXX. She said " XXXX ''? 

This is horrible tactics giving out my personal info including my address!
Product: Credit reporting or other personal consumer reports

There is a discover account on my credit report that is not mine. please help!
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have Bank of America Credit card where currently I get 3 % transaction fee for balance transfer or Direct Deposit offer. Recently I started getting message that it will be increased to new rate of 4 % of each transaction, unless I contact them to reject by XXXX XXXX 2024. When I called Bank of America to reject the new fees of 4 % I was informed that it would lead to cancel the credit card. Which means I have no choice and this is a forcefully new fees raised.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX h

as 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
Product: Credit card or prepaid card

Our company reported a number of fraud charges that had been made to our business card account with Bank of America. The charges were from XXXX through XXXX. The total amount that was determined to be fraud charges amounted to {$12000.00}. Our company has this XXXX card account on automatic bankdraft and it was only until a notice of Bank of America, that a detailed review of the activity showed that all these charges were indeed fraud. Bank of America never flagged any of these charges as suspicious and when reported, they did realize that these charges were unauthorized and provided a temporary credit. Subsequently, Bank of America advised our company that they had reversed their decision ( as they claim our office never disputed any of the charges ) and placed the entire amount back as owed on the credit card account. Our company maintains that under federal and state laws, a credit card accountholder is not liable for fraud committed on said account, either with or without, the knowledge of the cardholder. In this case, our company was completely unaware a fraud was being committed. If not, every effort would have been made to stop these fraudulent charges immediately. We are asking that your office assist us in having Bank of America again review these fraudulent charges and credit our account accordingly.
Product: Credit reporting or other personal consumer reports

Equifax is inaccurately reporting me deceased. I found out on XX/XX/XXXX when I tried to purchase a vehicle after my currently financed vehicles transmission went out. I have placed XXXX phone calls to Equifax between XX/XX/XXXX and XX/XX/XXXX to resolve this issue. Equifax has no answer as to how this happened. Each time I am given a confirmation number and told the issue is resolved, but it is not. I verbally requested written verification confirming resolution for several confirmation # 's ( XXXX for example ) to be sure the issue had been resolved during phone calls on both XX/XX/XXXX, AND XX/XX/XXXX but received nothing. 

During my phone calls to Equifax customer service I have been denied an opportunity to speak with a supervisor, I have been told they do not send resolution letters, and I have been told " trust me ma'am, I fixed it ''. On XX/XX/XXXX I sent written request for resolution and noted the request as a formal dispute under the Fair Credit Reporting Act for confirmation the error has been fixed. Included in the letter were a copy of my ID, birth certificate, social security card, XXXX XXXX XXXX return, and XXXX paystubs & bank statements, however, as of this date I have not received a response. 

I am writing to demand the immediate correction of this egregious and harmful error on my credit report. Equifax has inaccurately marked me as deceased on my credit report. Despite my repeated attempts to rectify this mistake, it remains unresolved, and the impact on my life has been devastating. 

As a direct result of this error, I have been denied employment opportunities, rejected for loans, and unable to refinance my existing loans. This false information is causing severe and irreparable harm to my financial stability, personal reputation, and overall quality of life.
Product: Credit reporting or other personal consumer reports

Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX