23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute incorrect personal information listed on my credit report. Below, I have detailed the inaccurate entries and provided the correct information for your immediate review and correction : XXXX. Name Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Employer Incorrect Entry : Line Construction Benefit Fund Correct Employer : [ No employer or update to the accurate one if applicable ] I request that these errors be investigated and corrected under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ). Please ensure my credit report reflects the accurate information provided above.

To assist with your investigation, I am including the following documents for verification : A copy of my government-issued ID ( e.g., drivers license ).

A recent utility bill or official correspondence verifying my current address.

Please confirm in writing once these corrections have been completed or if additional information is needed. I expect your response within the time frame outlined by the FCRA. 
Thank you for your attention to this matter. Please feel free to contact me at [ Your XXXX with any updates or requests. 
Sincerely, XXXX XXXX XXXX
Product: Student loan

Hi I attended XXXX and my school closed and none of my credits were transferable. I called and called the school and the loan provider and was doing fraudulent affidavits and I have n't got a good response at all. Please help the debt was sold to Fed Loans or XXXX and I 've submitted a complaint before and no response. Please help me. Not to mention that I have XXXX loans reporting on my credit and I did n't take out all the loans
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I charged one of my customers a total of {$9600.00} and wepay from CHASE close my account without asking for any documentation about the transaction. I was told I have to wait 120 days for them to release the money. I filed a request to refund the money back to my customer and I received an email stating that the refund was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

File Number XXXX I am filing this complaint because Transunion has ignored my request to be provided with the documents that their company has on file that was used to verify the accounts I disputed. Being that it has been 60+ days, far beyond the 30 days permissible by law and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have made a request of them to investigate. Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified several errors. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to verify the accuracy of these accounts. Reporting unverified information without proper validation within the legal timeframe is not permissible. I request that you investigate and correct the following accounts listed on my credit report 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

It has been drawn out into the open that you are not hindering records when I sent a copy of the XXXX  report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXXXXXX XXXX XXXX, I sent a letter to Equifax Information Services, LLC, XXXX XXXX XXXX, XXXX, GA XXXX informing them that my mother had died and requested a Death Notice be placed on her account so that no one could get credit in her name or steal her identity and to notify the other credit bureaus to do likewise. I sent the letter to the address in their recorded message for requesting a Death Notice, and included all requested information ( my mother 's name, Social Security number, Date of Birth, Date of Death, and last address ) along with an original Death Certificate. I explained that since my mother did not own any real property that her Will was not probated and therefore I did not have Letters Testamentary. 

I received a reply from Equifax on XXXXXXXX XXXX XXXX requesting that I send the Death Certificate to Equifax Information Services at XXXX XXXX XXXX, XXXX, GA XXXX. 

I sent another letter to Equifax Information Services at XXXX XXXX XXXX, XXXX, GA XXXX on XXXX XXXX, 2024, requesting that they place a Death Notice on my mother 's account and included another original Death Certificate. 

I received a reply dated XXXX XXXX, XXXX  stating that in order to add a Death Notice, to send a Death Certificate to Equifax at XXXX XXXX XXXX, XXXX, GA XXXX ( which I had already done on XXXXXXXX XXXX XXXX XXXX. 

On XX/XX/scrub>XXXX XXXX XXXX I called Equifax at XXXX ( the phone number in their letters to me ) and spoke with XXXX who told me to send a Death Certificate to Equifax at XXXX XXXX XXXX, XXXX, GA XXXX. I explained that I had already done so on XXXXXXXX XXXX XXXX XXXXXXXX was not able to help me resolve this.
Product: Credit reporting or other personal consumer reports

The Fig Loans Ince account ending in XXXX is reporting 120 days late every single month, however I have a payment arrangement with this company and have made all payments on time. The payment amounts that I have made to this account are also reporting inaccurately on my report. They have also included comments on the report stating 180 days past due. Since the date of the start of the payment arrangement, this account has been paid on time, however each month it is being reported 120 - 180 days late every single month. It goes from 120 to 150 to 180, back to 120 then repeats the cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to correct my information with Experian since XX/XX/XXXX. I have sent letters and made multiple phone calls which I have documented. I called today to attempt to rectify the situation again with success. They are in violation of 15 USC 1681 reporting inaccurate information that is causing havoc in my life, my livelihood. I have filed a complaint with the attorney general, and now the CFPB. I am also seeking a consumer law attorney to move forward if this matter is not resolved immediately. Credit reporting agencies have a duty to report only accurate information and they are not doing it. I attempted to rectify this situation XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX. My next step will be to sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquiries being furnished on my consumer reports : XXXX XXXX XXXX. - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX and DISCOVERBANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and DISCOVERBANK with no successful resolution. There was definitely an error on their part.
Product: Debt collection

Over the past few I been dealing with a company in XXXX Florida MG Credit.They have placed negative information on my credit reports and I been disputing a account from XXXX XXXX.I never received a letter from MG Credit stating that Im obligated to pay them nor they sent proof of debt.The credit bureaus deleted this information a while back but the account was placed back on my account with no validation of debt.To this day they have n't presented any proof that I owe this debt of {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 2 rounds of letters asking Experian Credit Bureau to fully validate the information for the accounts in dispute. Also to provide proof of signed contracts that could possibly validate this information thats inaccurate. Yet the accounts still remain the same.
Product: Checking or savings account

XX/XX/XXXX XXXX Tried to withdraw {$200.00} from an ATM listed on my credit union 's website for withdrawals. 
Machine never completed the transaction. Screen asking if I wanted a receipt never loaded and the machine shut down without dispensing any money.

I contacted the number on the machine. Man advised they see that i did not receive the funds. They advised calling my bank and having them give a provisional credit. 
I contacted my credit union. Told them what happened. They deposited the {$200.00} back to my account. 
On XX/XX/XXXX my credit union advised they were rescinding the credit. I immediately called them and asked for the documentation they used to determine this. 
On XX/XX/XXXX I visited their branch office in XXXX at XXXX XXXX XXXX. XXXX looked at my account and the investigation and said the dispute dept had investigated the wrong date. 
She called into her Dispute Dept and explained they were looking at the wrong date. Pentagon Federal then credited my checking account with {$200.00} On XX/XX/XXXX I received yet another letter advising they were removing the money. I called again and asked for the documentation Did not receive it till XX/XX/XXXX I again visited the branch office and they supplied me with the documents which seems to be a tape of the transactions. The time stamp is XXXX. I immediately took pictures of the ATM as it malfunctioned before i got my money. The pictures are time stamped at XXXX. Pentagon Federal has removed {$200.00} 3 times from my account. For a malfunction in an ATM. This feels like theft. Pentagon Federal has washed their hands of it saying " its now up to you to do something about it. ''
Product: Credit reporting or other personal consumer reports

I have disputed fraudulent information on my credit report since 2021, and no information has been verified from the 3 credit bureaus. ( XXXX Experian XXXX ) Unverified items were marked Verified. I have submitted over 50 disputes ( online and through mail ). And over 15 disputes on CFPB, and each time they stated that the items being disputed were verified when they never were verified. As demonstrated in CFPB lawsuits and reflected in my experience : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 Failure to ensure maximum possible accuracy in credit reporting ( Section 1681e ( b ) ).

Improper handling of disputes, including inadequate investigations and failure to correct or delete inaccurate information ( Section 1681i ).

Reinsertion of previously deleted items onto my credit report without providing proper notification ( Section 1681i ( a ) ( 5 ) ( B ) ). 
Reporting unverifiable items as verified without proper substantiation. 
2. Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5536 Engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ), as highlighted by the CFPB lawsuits.

3. State Consumer Protection Laws [ Add any relevant state-specific laws, if applicable. ]
Product: Credit reporting, credit repair services, 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 blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Hi, Wells Fargo bank is going to close my bank account before XX/XX/2018, however, they did not imply why they are closing, so I tried to contact them on the phone, but the representative did not know the reason why this action happened either, they just saying " I'm sorry sir, we don't know the reason, and you can not open another account in Wells Fargo in the future as well, Its Bank 's decision. " I do know that I have several large deposit from overseas and in the domestic as well, but I did present my report to the bank, which the banker helps me to do it in Wells Fargo branch. And the funds from overseas, they are all comes from reliable sources. In the conclusion, I just want to figure it out why the bank is going to close my account, and I am not going to be tight-lipped until this situation get correct.
Product: Credit reporting or other personal consumer reports

experian is saying the information is coming back verify but when i called the company myself they cant verify me so i not understanding how they verifying so the comapny is giving me payment history in not contract or agreedments so i ask them to removed the debt but they ignoring the fact that i didnt do business with them i rufuse to pay the debt i wasnt legally notify about the debt under 15 U.S 1681 i fair act crediting reporting i have right to privacy 15us1681a these accounts i refuse to pay they violated my account i also send information to experian they saying my docs wasnt acceptable.
Product: Checking or savings account

On several occasions I tried to make a purchase with Wells Fargo and they told me I couldnt although I had the funds in my account. I also believe I was overcharged for atm fees and overdraft fees. I also had a credit card in my name but the account was closed along with my checking account without my consent.I note how a credit card balance on my credit due to a decision I didnt make.
Product: Vehicle loan or lease

In XXXX, XXXX started sending a check for {$1000.00} principal payment to be my loan with " principal only '' written on the check. The payments were applied to the next monthly payment which had me paid until XXXX. After they corrected the transactions the principal balance did not match what I had calculated. I asked the service rep to sent me the history which I for yet to received. I got a balance of {$8500.00}. after correction. They have posted my XXXX payment so the balance is less.
Product: Checking or savings account

There is more to my complaint than in this. XX/XX/2019 my wells fargo business account went into the negative due to 4 checks returned because of improper endorsement ( joint check ). 5 monthes prior our office manager dropped off deposits to wells fargo and the bank teller didnt do their job and make sure the checks were eligible for deposits. They allowed the checks to be deposited. After 3 weeks in the negative we had to deposit into our payroll account and wells fargo took it upon themselves to take the money from payroll and put it into the business checking. Which now is going to put my payroll account into the negative as sell. the business is still over {$3000.00} in the negative and now there is over {$5000.00} going to be taken out of my payroll. And to top it off no one can help me. They give me the run around and have no answers for me. They have lied to me on numerous occasions. They have made me appear to be a dishonest business man to the other companies involved in this mess. They treat me as if I'm a criminal. The issuer of the check still haven't received the funds, the funds have been out of my account for 3 weeks. They also bank with wells fargo. So, where did my {$32000.00} go? Is it sitting in someone else 's account? So they can rack up overdraft fees ect. I dont know but I dont feel this legal at all. I want to take legal action.
Product: Credit reporting or other personal consumer reports

I have been disputing information and requesting corrections on my credit since the beginning of XXXX. At the end of XX/XX/XXXX I began to see incorrect and inaccurate information still existed on my credit report and reached out AGAIN to dispute. My personal information should ONLY be listed as instructed in my letter. ALL differences and variations must be deleted immediately. Transunion ignores me and send stall letters to tell me that they dont even think that it's me who is mailing them my letters. Huh? Who would try to correct my issue other than me? You can not continue to ignore my requests and report what you want to on my credit. According to XXXXXXXX XXXX XXXX XXXX Transunion is required to ensure MAXIMUM POSSIBLE ACCURACY. This information violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), and 15 USC1681b.

This bureau also allows anybody to access my report without permission! Unheard of! Plus this bureau has not even responded with investigation results within the specified 30 days. I am demanding that everything be deleted immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of 4 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681.

Account Name1 : XXXX XXXX XXXX Account XXXX XXXXXXXX Account Name XXXX : XXXX Account XXXX XXXX Account Name XXXX : XXXX XXXX Account XXXX XXXXXXXX Account Name XXXX : XXXX XXXX XXXX  Account XXXX XXXXXXXX These 4 accounts have violated my rights.

15 U.S. Code 1681 Section 602 A. States I have the right to privacy.

15 U.S. Code 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information an
y other adverse item of information, other than records of convictions of crimes which and antedates the report by more than seven years.

15 U.S. Code 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I have NOT heard one word from HSN or the Synchrony Bank regarding tthis matter.! THE QUESTON STILL REMAINS WHERE ARE ALL THE PAYMENTS THAT I DID FAITHFULLY MAKE EVERY MONTH? I sent all of the information to a woman by the name of XXXX and have not heard one word from her! OR HSN, OR Synchrony Bank I work very hard to keep my payments up not only to HSN but to QVC as well. ALL I WANT TO KNOW IS WHERE ARE THE PAYMENTS I DID MAKE, THIS WOULD INCLUDE THE MORE THAN {$720.00} THAT I HAVE MADE IN XXXX? IN ADDITION TO THIS IT COST ME {$60.00} TO HAVE MY BANK COPY MY STATEMENTS AND Have them sent XXXX @ HSN. 
As previously stated I did my DUE DILIGENCE! MUCH MORE THEN HSN OR THE Synchrony Bank I JUST WANT TO KNOW WHERE MY PAYMENTS ARE? 
THIS IS IN NO WAY FAIR TO ME! 
MIGHT I ADD, THAT HOST ON HSN ADVISE THERE IS " NO INTREST EVEN WITH FLEX PAY '' INSTEAD THE BANK IS RESPOSIBLE FOR THE INTREST RATE. THEY HAVE NEGLECTED TO PROVIDE AN ADDITIONAL {$120.00} PAYMENT THAT WAS MADE TO THEM, ACCORDING TO THEIR WORKSHEET!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a complaint to the CFPB regarding Transunion and XXXX XXXX on XX/XX/XXXX and still to date, the complaint is opened because Transunion did not do a proper investigation and has allowed the creditor XXXX  XXXX to stay on my credit report after they failed to reply to the dispute/complaint within 30 days. It has been well over 30 days since I placed the complaint and since Transunion responded on XX/XX/XXXX that they are still waiting on information from the creditor named XXXX XXXX. XXXX XXXX has not responded to Transunion regarding my complaint of my account having fraudulent charges, due to identity theft and about the charges still not being settled and regarding my balances on both credit card accounts ending in XXXX and XXXX being incorrect. The balances are incorrect and I am asking that Transunion remove the XXXX XXXX balances from my credit report. XXXX XXXX was given plenty of time to respond to Transunion and the CFPB and they have not. It's been over 40 days since my complaint and dispute. This is a serious dispute because my identity was stolen and fraudulent charges were made on my XXXX XXXX account and still to date, after 40 days, Transunion has allowed it to stay on my report, even without the creditor XXXX XXXX not responding after 30 days.
Product: Credit reporting or other personal consumer reports

I was informed by a lender that I have unsecured debts of {$5200.00} reported by Midland Management, a collection agency. 

The credit card ending XXXX. 

I did not authorize anything. I don't have the card. 
I do not know if scammers are using the card. 
I have no idea what {$5200.00} is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint is about Experian. I have a credit freeze placed on each of the 3 credit reporting agencies, and in applying for credit I am removing the freeze from each of them temporarily. While XXXX and XXXX  have provided an efficient means of temporarily lifting the credit, Experian provides a non-functioning website with no means of addressing the problem with them directly. This issue has occurred today, and at this point my credit information with Experian is stuck as frozen. 

See the attached image that doesn't provide the consumer sufficient information for self-resolution.