23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX, Dept of EDXXXX # XXXX, Dept of EDXXXX # XXXX, Dept of EDXXXX # XXXX, XXXX XXXX # XXXX has violated my rights 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 or other personal consumer reports

THEY CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, a large national bank contacted a primary checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account holder. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX 2021 ). The account was a joint account with the senior-aged account holder and three adult children. The bank reported the reserve line of credit as past due in XX/XX/2021, which severely negatively impacted all four joint account owners. Upon contacting XXXX XXXX, contradicting stories were presented on when the fraudulent activity was flagged. XXXX XXXX XXXX  representative claimed the fraud was flagged in the XXXX XXXX  system on XX/XX/2021. Another XXXX XXXX  representative correctly stated the fraud was flagged on XX/XX/2021. If it was truly flagged on XX/XX/2021, XXXX XXXX  violated the FCRA by reporting a known identity theft related account information to credit reporting agencies. If it was flagged on XX/XX/2021, they violated the FCRA by reporting a known identity theft related primary checking account as fraud and not the related reserve line. The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). " Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect
Product: Checking or savings account

On XX/XX/2019, we issue a Check ( No. XXXX ) from our checking account with Bank of America XXXX for {$830.00} for our monthly rent payment which was received by our landlord ( XXXX XXXX ) .and was deposited by them thru their bank XXXX XXXX XXXX XXXX 
Our bank paid and clear this check on XX/XX/2019 which reflected on our daily banking acitivity given to us by them. On XX/XX/2019, our landlord came to me saying that their bank ( XXXX XXXX XXXX XXXX ) did not credit them with the amount of {$830.00} for my monthly rent and was advised by them that I pay in CASH the rent amount plus the {$12.00} for the check was no GOOD.. I went to see my bank ( Bank of America ) on XX/XX/XXXX or XX/XX/2019 about this and was advised by the Manager that Bank of America paid and clear this check and that XXXX was credited for the amount. My landlord is insisting that I settle this by paying him again in CASH the rent amount of {$830.00} plus the {$12.00} fee saying again that my check is no GOOD. THIS LEAVE ME IN A FRUSTED MOOD ABOUT THIS.. FOR YOUR INFORMATION, MY ACCOUNT IS IN NO WAY LOW ON FUNDS NOT TO COVER THE AMOUNT INVOLVE. WHEN THEY DEPOSITED IT THAT TIME ( XX/XX/2019 ). i HOPE YOU WILL BE ABLE TO FIND OUT EXACTLY WHAT HAPPEN TO THE AMOUNT INVOLVED ON THIS FOR {$830.00}
Product: Student loan

Been trying to get a hold of the company over the past XXXX weeks over XXXX waiting call. I can't get any guidance on my IDR status for the XXXX payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two accounts that went negative ( health issues ) and after they were closed they were paid off. They were paid off with the lender not a collection agency like it is being reported. XXXX XXXX XXXX.was paid in full yet they still report it as current payment status : in collections/charge off and account status either derogatory or charge off..they refused to correct it. XXXX XXXX was also paid off yet they show.the same that the account is still derogatory. This has hurt my score more because it is still showing current status as in collections/charge off with all 3 bureaus.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a {$250.00} payment to my card so that I could book a hotel for a wedding. On XX/XX/XXXX, I made an additional {$400.00} on XX/XX/XXXX. 

This final payment was enough to bring my bank account down to below {$200.00}. Normally, my revolving credit is available immediately after payment. However, this time Citi put a hold on my account and prevented me using my available revolving credit. So not only was I unable to use my CITI card, but I could also not use my bank account because citi was in the process of drafting {$400.00} ( and had already drafted {$250.00} ). 

This essentially prevented me from any spending activity unless I wanted to risk an overdraft. 

Not only this, but the bookings I had to make expired, and I ended up having to make new bookings at more than double the cost using my partners account. No billion dollar company should be keeping my money from me. 

It has been a week and I still dont have access to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Nelnet asking them for more information regarding letter that was sent to me XXXX XXXX. Manager informed me that it was for XXXX XXXX, I informed the Manager that I never attended that school. I then call student aid and student aid had not information on me about that school. When I looked the school up to call them to get information, the school was closed down due to Fraud.
Product: Debt collection

Bay area credit servic has an account on my credit that is not mine/inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used to have a secured credit card account with XXXX XXXX, also known as XXXX XXXX. It was a $ XXXX-limit credit card, secured by my own {$200.00} security deposit. I had my monthly payments set up on auto-draft and had no problems with the account for a majority of the time. However recently, I had some problems with my checking account. So I contacted XXXX XXXX and made them aware of the problem, and asked for an alternative means of payment. Even though my due-date was approaching, they said that the only thing I could do was mail in a check or money order, and allow 10-15 days for processing. I told them it was fine, but to notate my account of this matter so my account would not report delinquent. Well despite my payment, they did report it late for XXXX. I have since sent XXXX XXXX full payment of the remaining balance, have requested this account closed immediately, and a full refund of my {$200.00} security deposit. It is completely unfair for XXXX XXXX to report accounts late, when no option is given for last-minute payments when issues arise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate accounts with TransUnion. I stated to them that they had violated 15 U.S Code 1681b-Permissible which states that : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave TransUnion any consent to report on my consumer report. 

I also stated that the account balances XXXX, XXXX, XXXX have different balances from my XXXX account balances. 

I also state that I had got some inaccurate accounts deleted off my XXXX consumer reports. Which are also being reported on my TransUnion consumer report. 

TransUnion has verify and updated these inaccurate items on my consumer report. 

I have enclose documents for this issue in the attachments.
Product: Credit reporting or other personal consumer reports

I find accounts in my reports that are not mine and are mixed with someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint and I'm not using any third party for this matter. I checked my credit report and noticed some inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. I have filed FTC report for this matter and I'm asking you to remove these fraudulent posted on my report hard inquiries : XXXXXXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2022 XXXX It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
THESE ITEMS MUST BE REMOVED IMMEDIATELY. 
ALSO ON MY REPORT EXPERIAN HAS LISTED WRONG ADDRESS XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX- this address is not mine. PLEASE UPDATE MY ADDRESS to current as - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or information within my credit file. My credit issues are very specific, this item not mine. This means that you are reporting incorrect information within my credit report. It is with this in mind that I request that this listed item be DELETED! Policy states I have included here : copy of my SSN, ID, proof of address and FTC REPORT. I HAVE INCLUDED IN THIS PACKAGE : copy of FTC REPORT, COPY OF my DL, SSN, proof of address.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I applied for a line of credit with Barclays Bank. A hard pull on my report was made and I did not receive the credit line. 

Pursuant to 15 US CODE 1681 ( n ) this hard pull needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) the division of child support account that is reporting to XXXX XXXX, XXXX, Experian.is in violation not reporting 100 % accurate, it list the child support court as the furnisher thats forgery and misleading when the courts dont report this type of account, its also in violation of Per-missional Purposes. They also need direct written consent from me to report anything on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Checking or savings account

A woman impersonated me at 2 BMO bank branches on XX/XX/XXXX and XX/XX/XXXX depositing fake checks and making withdrawals from joint checking and savings accounts at BMO Banks ( XXXX XXXX and XXXX XXXX ). I immediately identified the unauthorized withdrawals and have been trying to work with the bank on filing financial fraud affidavits. The bank suspended our online banking so I relied on their representations, which proved incorrect and delayed resolution or reimbursement of funds. Due to the bank providing me incorrect information, I had to redo financial fraud affidavits. I have filed police reports with XXXX XXXX and XXXX XXXX Police Departments, the XXXX XXXX XXXX is investigating. I have also filed complaints with BMO, the FTC, the California Consumer Department of Financial Protection and Innovation, and put a flag on my XXXX record. The total loss is {$9.00}. I have not received reimbursement of the amounts lost as of yet, and the bank keeps telling me that since the investigation is complicated that the reimbursement of funds is delayed. 

Furthermore, two bank employees failed to lock down our checking and savings accounts despite their representations to me that they did so which caused the second and larger withdrawal from our savings account on XX/XX/XXXX. 

All communications with BMO are unsatisfactory and unconscionable and have caused me severe anxiety. My husband and I have withdrawn funds from BMO and established accounts in another bank.
Product: Debt collection

Additional documents related to CFPB case # : XXXX It appeared that XXXX charged-off this account, claimed a loss as tax cut, and sold the account to an agency named Alltran ( XXXX ). My recent payment to XXXX was returned, due to a change of payee. See attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  ( XXXX XXXX XXXX ) has violated my rights. 
154.s.c 1681 section 602 A states I have the right to privacy.

15 U.S.C section 602A section 2 It also states a consumer reporting agency can not furnished account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS LISTED BELOW ARE INACCURATE AND MUST BE DELETED FROM MY CREDIT REPORT. 

XXXX  XXXX  XXXX The monthly payment on this account is inaccurate. XXXX is reporting - as the monthly payment and Equifax is reporting {$330.00}. The last date of activity is also inaccurate. XXXX is reporting XX/XX/XXXX as the last date of activity and Equifax is reporting XX/XX/XXXX. 
PLEASE DELETE AND REMOVE IT FROM MY REPORT
Product: Credit reporting or other personal consumer reports

Ive had this XXXX XXXX account on my credit report as 60 day late payment then I disputed it then they updated it to 30 day late payment..in actuality it should never be on my credit file because its an errored account..I have a at fault letter from the dealership adventure XXXX XXXX stating that they were late on the payment not me..Ive had this problem on my credit history for 6 years and its effected my credit profile and score tremendously and its not fair and its illegal
Product: Credit reporting or other personal consumer reports

I am writing again to express my confusion regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. 

As you know, I have submitted the required FTC report to the Federal Trade Commission concerning this fraudulent account. Following this, XXXX and XXXX have removed this account from their records. 
I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am perplexed as to why this account is still being reported by your bureau. 

It is crucial to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 
XXXX XXXX XXXX
Product: Vehicle loan or lease

My business purchased a vehicle through XXXX. The primary holder on the loan was my company. I myself was a personal guarantor for the loan. I spoke to several people at XXXX for more than a week straight whom all promised this could be done and the info would not appear on my personal credit unless the loan defaulted. The calls were recorded. After the loan was signed, the vehicle immediately reported on my credit as a cosigner. I called the company back and now they are saying that it's not their problem because the loan was sold to Ally Financial. I trusted this company to do what they said and I have a copy where it shows I signed as a PG
Product: Credit reporting or other personal consumer reports

On my profile there were XXXX hard Inquiries Date XX/XX/year> described as auto loan With the companies name of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX JPMCB auto finance XXXX XXXXXXXX XXXX XXXX 
These hard inquiries gon na be a big trouble for me when i will actually looking for a auto loan approval.It will stop me to finance anything for more than a year. Request to remove these hard inquiries so I could look forward. Thanks
Product: Credit reporting or other personal consumer reports

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Product: Debt collection

I received an alert with XXXX through my credit monitoring that AR Resources had filed a credit alert against me. I have never heard of AR Resources, have had no prior communication with them and have no idea what this complaint is in reference to. I tried to call the XXXX number but was on hold for XXXX minutes with no customer service. It says to press zero to leave a message but that just ends the call. 

What happened? 
AR RESOURCES INC has flagged your account as Collections on XX/XX/2021. 
Source : XXXX XXXX : AR RESOURCES INC Address : XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2021 Balance : {$69.00}
Product: Vehicle loan or lease

I was in a XXXX XXXX XXXX and it was not my fault. I had the GAP insurance and it's still showing on my credit I owe them. And call them alot of time and didn't get anything solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan on a car for 12 years. This is illegal. There was too much interest accruing.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$18000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2021 I went to XXXX XXXX XXXX XXXX XXXX in XXXX, Illinois to set up a savings account. The account is for donations for my father who passed away yesterday. I was asked to sign the electronic box so they could open the account. I was not told it would check my credit, I was not asked for my social security number, I was not read or given any paperwork stating it would run my credit. After leaving I noticed I had emails stating I had a hard inquiry from them. I called and the first woman I spoke with stated it states we check your credit on the green paper you filled out which I was never given. The bank later called me back stating there is nothing they can do to remove the inquiry and they were sorry. I did not give consent to run my credit, I was given no paperwork what so ever, I want this removed from my credit ASAP!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Several Erroneous issues and information on my credit report regarding several accounts, one is an account with XXXX XXXX XXXX  XXXX XXXX. Covered by XXXX protections. This detrimental and erroneous information has caused me to be under qualified for any type of credit acceptance. I have contacted them about several things on my credit reports and XXXX and XXXX has not resolved these issues and I have reached out to them for information and received no resolution. I can list errors from several companies and have tried to resolve it with XXXX XXXX and Experian to no avail.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a restfonsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year> and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :