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

I hope this message finds you well. I am writing to follow up on my previous communications regarding the correction of a late open account. This marks the multiple formal attempt to address this matter. 

As previously discussed, there is an error in the opening date of one of my accounts, which is negatively impacting my credit history. Despite my repeated efforts to rectify this issue, the necessary corrections have not been made, and the late open account continues to inaccurately reflect my financial standing. 

It is crucial that immediate action is taken to rectify this matter and ensure that my credit report accurately reflects my financial history. I urge you to prioritize this issue and expedite the process of correcting the late open account. With this, I am asking for your assistance to correct these accounts in my credit file : XXXXXXXX XXXX XXXXXXXX Balance : {$5700.00} ; XXXXXXXX XXXX XXXX Balance : {$5400.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX for failing to delete and correct multiple inaccurate and fraudulent items on my credit report despite formal requests. 
These inaccuracies include wrong addresses, false account reporting, and improperly reported bankruptcies. I am suffering significant financial and personal harm due to these errors, and XXXXXXXX XXXX failure to comply with the Fair Credit Reporting Act ( FCRA ) demands action.
Product: Credit card or prepaid card

I contacted the fraud department at US Bank, told them I believed I was the victim of identity theft. They confirmed someone had used my social security number to apply for for a credit card, but had no one available to help me and were not able to post anything that the card was fraudulent. I would have to call back when application services was open. 

According to their website you are to contact them immediately if you believe you are the victim of identity theft, but they then have no one available to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX and XX/XX/XXXX I contacted Chase Bank regarding 3 credit card accounts that were coming due. I advised them that my checking account information had been compromised and that I am working on recovering missing funds with my financial institution. I advised Chase Bank that because of this I would be unable to make my current payment that was due on 1 credit card the last week of XX/XX/XXXXand the other 2 that were due the first week of XX/XX/XXXX. They advised this would not be a problem and that they would make a notation on the account. I asked if I could pay a double payment the following months bill or if they would like the payment when my checking account was corrected. They advised a double payment the following month would suffice and they would wave any late fees since I called and explained the situation. I recently ran my credit report and to my surprise I have a late payment notification for all 3 that is hurting my ability to obtain a loan. If they would have told me that they were going to make a negative remark on my credit report instead of acting caring and understanding I would have asked a family member to pay this for me. I have contacted Chase Bank and explained everything that happened in XX/XX/XXXX and XX/XX/XXXX and they stated there was a notation that I had called but they would not remove the negative report as the notation was incomplete. I feel they acting unreasonably to my request as I have been a good payer to Chase Bank for a long time. With the proper explanation of what would have happened I would not have opted for the double payment the following month.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity fruad since XXXX. Towards the end of every year I review my credit report just to make sure everythig is reporting accurately. I noticed that I had a hard inquiry on my report from this company. They sent me a letter asking for my drivers license and social. I declined and instead wrote them a letter XX/XX/XXXX via mail to inform them that this was fraud. I never applied to this company and I have no reason to. They fdailed to respond to me within the 7 days of notice. They refused to respond and kept the inquiry on all of my credit files.. I even contacted the credit bureaus about the matter and told them that I reached out to this company. My credit file reflected between XXXX and XX/XX/XXXX this inquiry was removed. Then it was placed back on my credit file which is illegal after I have communicated to them that this was fraud. I have attached the letter that was sent to them and proof of certified mail, and the letter that they sent me as well as prood that it was removed from my credit files
Product: Credit card

. 
My daughter needed financial support in getting repairs completed on her car which had been wrecked. I called the auto repair shop and talked to the owner. He told me that all work to this point has been concentrated on restoring the body work and no work has been done " under the hood ''. I asked what it would take to get the car in working order. He gave me an off the cuff verbal estimate of {$600.00} to {$800.00} for his shop work plus {$200.00} for painting. I found this acceptable and asked for a written estimate. I never received a written estimate. On XXXX XXXX he called and told me the car was finished and available for pickup. He told me the charge would be {$1300.00} and required me to give him my credit card information over the phone ( I live in another state ). I asked him for an invoice. I received an invoice the next day by email. On XXXX XXXX my daughter picked up the car. On XXXX XXXX, I see a charge of {$1300.00} on my credit card statement in addition to the {$1300.00} charge I approved. I had no idea where it came from. I had received no estimates or invoices to that effect. I emailed the owner a demand that the charge be removed from my account. After a few days it had not been removed and I filed a formal dispute over the phone with Bank of America. On XXXX XXXX, 2015, I received an adjustment of - {$1300.00} on my XXXX statement. I was relieved thinking the issue had been resolved. On XXXX, I noticed a debit of {$1300.00} by the auto repair shop on my credit card statement. 
I called BA and asked about it ; I was told my dispute had been overturned. I was told the auto repair shop had submitted documents to support its claim. I asked for and received a copy of that documentation. I was never presented with opportunity to submit any documentation to challenge the shop additional charge prior to it being overturned. After it was overturned I was offered the opportunity to submit documentation. I sent XXXX pages substantiating my position. It was too late. Bank of America was in no position to change its mind. 
The repair shop had my card information and the machine to make the charges against my account. The shop owner said the additional charge was for a catalytic converter replacement. The catalytic converter was no where near the area damaged in the wreck. Months later I was not able to get an explanation on why it was replaced. Maybe it was n't replaced, maybe it was needlessly replaced or maybe it was stolen while the car was in an unsecure area and had to be replaced. 

I depended on Bank of America to protect me from fraudulent charges and for XXXX years they did so ; not this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 


XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 the amount on 1st account is XXXX. 2nd account is XXXX. 3rd account is XXXX. I have filed a identity theft affidavit, and has ask to creditors reporting agency to provide me proof and verify these accounts because these accounts are inaccurate. The creditors can not verify these accounts and has no prof that these accounts belongs to me. I want these accounts verified from the credit reporting agencies before they start reporting inaccurate accounts and derogatory accounts on my credit report. I want a fair investigation on all unverified accounts thats on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been overXX/XX/21 and no sign of investigation and no information given. I sent Experian certified tracking regarding accounts that I do not recognize or recall. Accounts misleading and I never entered in any contracts with these companies. Moreover, per 15 USC 1692 laws, I was never notified within 5 days nor did the companies provide information or I give permission to these accounts on my credit report. FTC Report Filed see attached. Multiple Federal Violations
Product: Credit reporting or other personal consumer reports

The consumer reporting agencies are reporting an account to my credit report. I demand an Affidavit showing what Permissible Purpose they have to report this information in accordance with 15 usc 1681B. I expect the section for which they have permissible purpose and who they are using it in conjunction with. I would also like to see who they are speaking with on my private information in accordanace with 15 usc 1681i
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agency on behalf of speed cash is trying to collect on a fraudulent opened account and has reported this false information to my credit reports and has damaged my report where I can no longer qualify for a construction loan to build my home.
Product: Credit reporting or other personal consumer reports

The credit bureau equifax requested identity documents from me via mail. I provided the correct documentation back to them on XX/XX/year>. Almost 2 weeks later my equifax profile hasnt been updated or reflecting the documents I mailed in, causing me not to see updated scores and reports. Ive reached via phone and have been told they have not received any documents.
Product: Checking or savings account

On XX/XX/year>, I opened a checking account with U.S. Bank and successfully funded it. Subsequently, I registered for online banking, which initially functioned correctly. However, I soon encountered issues : I was unable to log in to my account or reset my password. 

Actions Taken : Contacted Customer Service : I reached out to U.S. Bank 's customer service multiple times to address the login issue. 
Co-Browsing Sessions : During these interactions, representatives conducted co-browsing sessions to diagnose and resolve the problem. 
Outcome : Despite these efforts, the issue persists, and I remain unable to access my online banking account. No effective solution has been provided.
Product: Mortgage

I have been making monthly payments on my mortgage of XXXX since XX/XX/XXXX. Carrington Mortgage took over my loan in XX/XX/XXXX. I advised them in writing that I would be sending payments by automatic deductions from my XXXX   account. I sent a combined payment thru XXXX  for a total of {$1100.00} on XX/XX/XXXX and XX/XX/XXXX ( I entered the wrong amount for XX/XX/XXXX payment and send a letter stating why the second payment ). Payment thru XXXX of {$1100.00} was sent on XX/XX/XXXX ; the XXXX XXXX payment was made on XXXX due to pay schedule. However the XXXX payment on XXXX was sent back to my XXXX  account on XX/XX/XXXX. In the meantime I received a monthly mortgage statement from Carrington that {$7100.00} was due on XXXX. According to the delinquency record on back page of that ; only one payment on XX/XX/XXXX was received. Then I got an intent for foreclosure letter dated XXXX stating I needed {$23000.00} to cure the default. This makes no sense since I am trying to make payments. The next payment from my XXXX  account to Carrington is today, XX/XX/XXXX. All the XXXX   transitions are documented. It appears to me the Carrington is deliberately trying to take my home. I am concerned about this. I did not know where else to turn.
Product: Debt collection

On XX/XX/XXXX I called XXXX XXXX, who had me talk to their billing Dept, Receivable Management Group, to pay a bill {$54.00} confirmation #... I Spoke with XXXX XXXX. He took my payment and told me I had another bill that had not been paid from XX/XX/XXXX for {$150.00}. He told me they reported it to the credit bureau. I never received this bill! When I told XXXX XXXX I never received this bill, XXXX looked into it and said it was their mistake as they sent the bill to an incorrect address. ( I spoke with XXXX XXXX on XX/XX/XXXX ). I also informed him the insurance/health share I had at the time, XXXX XXXX XXXX no longer existed as they declared bankruptcy. He also confirmed that this was correct ( XXXX XXXX took our money for 2 years and never paid a single claim ). He told me my credit would be restored and the issue would be sent to the back office team to be resolved to {$0.00}. He told me I could call back in 7-10 days to check the status. 
XX/XX/XXXX I talked to XXXX XXXX. 
On XX/XX/XXXX I talked to XXXX, then XXXX because I was still showing that I owed. 
On XX/XX/XXXX I talked to XXXX, who said she'd send to her supervisor in resolutions. Said she'd call back and never did. 
On XX/XX/XXXX I called and talked to XXXX... told it was still in Resolutions. 
On XX/XX/XXXX I talked to XXXX x XXXX, still owed. 
On XX/XX/XXXX XXXX  (? ) called and was finally told it had been cleared. 
XX/XX/XXXX Talked to XXXX x XXXX x XXXX confirmed I do not owe. 
XX/XX/XXXX Letter Dated and I received shortly after saying I still owe {$150.00}! 
I received no notification or bill for over a year and a half that I owed a bill. Texas Law states that they have 11 months to notify or send a bill.

I do not owe this bill. I pay all my bills. I would like my credit cleared ( they told me it has been ) and I would like this bill to go away. I would like a statement showing I do not owe and my credit is not affected.

Receivable Management Group Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX www.rmgcollections.net
Product: Credit reporting, credit repair services, or other personal consumer reports

I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but have gotten no response and it still remains on XXXX and Transunion. Please help me resolve this issue as it should not have been on my report to begin with. I paid it immediately once i saw it and was told it would be removed and it is effecting my ability to get a home loan.
Product: Student loan

I was granted loan forgiveness under the Biden administration by the Department of Education. Sloan Servicing ( Nelnet ) my loan provider is not complying with the letter I received in XXXX, stating all XXXX  Loans would be forgiven. 

Under the Biden administration, my loans were placed on administrative forbearance but it seems that is being lifted effective XX/XX/XXXX, with payments to resume. 

I currently have a remaining balance of {$7100.00} and to my knowledge; eligible students were being to be refunded for any previously paid amounts.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit card

I am writing to dispute the late payment ( s ) that have been reported on my credit report. Upon reviewing my credit history, I have noticed inaccuracies regarding the reported late payments. I am requesting that you investigate and correct these errors as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian on XX/XX/XXXX, XX/XX/XXXX, and today ( XXXX, XXXX 2022 ) about updating my personal information and they never responded or correct my info. I sent letters, I called, faxed, and I exhausted all resources and they are still not correcting my information. Can you please help me out. There are 2 addresses on my credit profile that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCEPT - XX/XX/05 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in AGAIN about this account not showing up on my TransUnion credit profile! This month makes 90 days since it started reporting. It has successfully reported every month to the other credit bureaus but still does not show up on my TransUnion. I have gone back and forth between Transunion and XXXX XXXX and I cant seem to get anything resolved. I was added as an authorized user on my grandmothers ( XXXX XXXX XXXX ) XXXX XXXX Credit card back In XX/XX/2020. Like I said previously its reporting to XXXX and XXXX   but not Transunion. I have called Transunion many times and was told I had what was called a split credit profile and the agent had to put a ticket in to merge the two files. She said that was probably why its not on my credit report. This was back in XXXX/XXXX time frame and she told me to wait till its fixed to check back and see if its son there. This account reports the XXXX/XXXX of every month to the credit bureaus. At the end of XXXX, it still wasnt on there. I called Transunion again and spoke to A supervisor. He said that sometimes it can take up 90 days and to check back at the end of XXXX. Its now the end of XXXX and its been updated once again on the other reports. I reached back out and spoke to the VP of card services at XXXX XXXX and he assured me that they are reporting to every credit bureau this account and he even sent a letter confirming it. He said each credit bureau has to list the accounts they send over! At this point this is an issue on TransUnion and they are failing to do their job. This is my credit report and stuff need to be reported accurately. Please see attached documents and I need to know whats going on here! Is this account floating out in space somewhere? I do not want to call Transunion again because the agents are so rude and they arent even in the united states and never seem to care about my concerns or try to help me. 

I want this issue fixed ASAP its been long enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

- Have mailed several letters and filed complaints with XXXX regarding erroneous information on credit report. 
- Have requested to be provided with documentation mailed to me verifying debt and has not been provided ( XXXXXXXX XXXX XXXX ACCOUNT # XXXX ). 
- The information ( name ; dates ) regarding this account is repeatedly changed after each dispute in order to maintain its presence on my file.