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

I received a call from collections and was informed that I needed to make a payment for XXXX XXXX XXXX XXXX. I have never lived there in my life and was confused with what was happening. I then decided to pull my credit and saw many fraudulent accounts under my name. These accounts do not belong to me. Please remove them from my credit report. 

XXXX XXXX XXXX XXXX {$100.00} XXXX, XXXX. 
XXXX {$120.00} XXXX XXXX  XXXX  XXXX {$740.00} XXXX  XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX  XXXX  XXXX  XXXX {$300.00}
Product: Credit reporting or other personal consumer reports

I had my identity stolen and the perpetrator opened up various loans, credit cards, and account in my name and was stealing my personal information for their own benefit. I submitted an FTC identity theft report to Transunion and disputed the listed items below but nothing has been done about it. I reviewed my credit report on XX/XX/XXXX  and noticed that the following fraudulent accounts have not been removed from my credit report as requested during my dispute process with Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion is in clear violation of the following provisions of the Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] - Ensuring Maximum Possible Accuracy XXXX failed to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the account since these accounts were opened fraudulently and I requested for the removal of these tradelines and a correction to my credit report. There was no evidence to prove that these tradeline should stay on my credit report as these accounts are not mine. It is important that Transunion ensures the Maximum possible accuracy with these accounts before making a decision. Further legal action will be taken if necessary if these accounts are not resolved. 

Attached is the FTC Report for review
Product: Debt collection

Representatives advised that she was taking a payment on XXXX/XXXX/16 And then sent me a document stating she had taken the payment today. When I called back advising she stated that she was not aware that she took it even though the paperwork clearly stated today 's date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a debt on my file, and I no longer owe it. This debt is not only really old, it's past the statute in California. I am requesting this debt to be removed off of my credit file. I no longer owe this debt under statute laws, and should not be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act. The list of accounts below has violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also States a customer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section states : no customer reporting agency may make any customer report containing any of the following items of information any other adverse item of information, other than recorded of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681 as well
Product: Debt collection

Bridgecrest is saying that i own them money but cant not show me how so I owe them. I did not do business with them. They are taking advantage of me. They are are causing problems and hardship in my life. They were not able to validate the debt they were claiming. I sent in a ceased and Sis letter to drop the claims and harassment. They are defaming my character which is a civil offense.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 A fraudulent Bankruptcy that I have no knowledge of was reported on my Experian Report. I have filed a police report in regards to this and the bureau is reporting the info as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : You placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for XXXX credit, insurance, employment or other services XXXX with your company. This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission. To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter. If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has been reporting Fraudulent information to my credit report since XXXX  without my written promission and without any communication or opt out ever sent to me. 

Fraud Alert. This account does not belong to you.

No written permission has been giving by the consumer to any debt collector or credit reporting agency or any person or any company to report anything on a credit report using me private information. 15 USC 1681 a,2, 15 USC 1681 a, 4, 15 USC 6802 No opt out letter or written communication has ever been received by the consumer from any consumer reporting agency or any debt collector who has placed fraudulent information on my consumer credit report. 
Provide me with a certified copy of the investigative consumer report with full disclosure that has been completed to validate and verify the information that has been reported.

Provide me with certified copy of the written permission that you have from me to report anything. 
Provide me with all of the written communication with me with my opportunity to opt out.

Provide me with the bona fide evidence that i am all four of the entities on the report.

Provide me with bona fide evidence that you have abided by the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these 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., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Experian is not doing its job as a credit reporting bureau. It is allowing XXXX XXXX, subsidiary of XXXX XXXX to continue to report inaccurate and even unlawful material on my credit report. XXXX XXXX has unlawfully kept negative reporting on my credit report pass the time limit specified in the Fair Credit Reporting Act ( FCRA ). Adding insult to injury, XXXX XXXX  has recorded a late payment in 2020 although there has been no activity on that account in years. I have disputed this information with Experian, and have demonstrated from Experian 's own records that XXXX XXXX  is inaccurately and unlawfully keeping negative credit information on my credit report, yet Experian has not removed the negative financial information. I want Experian to remove this account completely from my credit report because it is too old to still be on my report. All negative reporting should be deleted. And by no means should this account have any reporting on it from 2020. Such reporting is not only false, it is in violation of the Fair Credit Reporting Act ( FCRA ). If Experian continues to allow XXXX XXXX  or any other company to continue year after year to keep negative information on one 's credit report, then Experian is rendering the FCRA meaningless as negative information would never be removed from consumers ' credit reports.
Product: Checking or savings account

On XX/XX/XXXX I attempted to close my business checking account # XXXX. I walked in to the branch in XXXX, IL when I observed three people in the banker cubicle having a private conversation. However when I requested to have the account closed with the teller I was informed that from the 3 employees present only was authorized to close my account and he will not be available to offer assistance at this time. I was then told that despite no customer present at XXXX appointment they will not be able to fit me in to close my account and I will have to wait to receive the help. I was then also told that I need to have an appointment with the banker in order to have the account closed. It is furthermore ironic that at the XXXX appointment that was supposed to be " busy '' there was actually no customer that showed up. 
Two questions : 1 ) How long does it take to close the checking account?

2 ) Is the BofA run for a benefit of its employees? 
Why all of the sudden all of the branch employees became " busy '' and not able to assist is beyond me. Also worth nothing that the branch manager was not in so he wasn't able to assist.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report incorrect information on my consumer report. There are several names and addresses that do not belong to me. I previously sent several dispute letters trying to update this information. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX there should be no other names or addresses listed on my consumer report.
Product: Debt collection

I keep receiving calls from the office of XXXX and XXXX but nowhere in the voice message did they say what the call was about, they just said it was a business matter. I have the voice mail saved on my phone if you need me to send it to you. They are trying to collect a debt but I have no idea who they are and why they are calling me. They should only contact me via mail and never call. This is after I mailed a letter to the collection company requesting information on the alleged debt. I believe they are infringing in my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Hi XXXX To Whom It May Concern : The following account was charged off on XX/XX/2019. Since then the account has been repeatedly reporting as a charge off every month. This is an update in the payment history which to my understanding charged off accounts should not have an active payment history. This also falsely manipulated the statue of limitations. I am demanding a deletion of the following account : OMNI FINANCIAL XXXX XXXX XXXX XXXX, NC XXXX
Product: Mortgage

Neither my insurance or home taxes have changed. But the mortgage company wants to raise my escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several accounts with XXXX XXXX and never paid them late ever. In XX/XX/2017 my bag was stolen or removed from my lounge chair at the beach where my bank cards were located. I called my institution and requested they close the cards immediately, and they closed the account instead of just the card. I learned of the error and called XXXX   immediately, and the representative said she was placing a note on all of the accounts as she could do so. However, this rep only placed a note under one account " XXXX credit card '' and not the other 6, so when payments were to be canceled or pushed to a later date until I got back home to open a new account.

I have called several times and each time I was assured all was well. So, ten days later XXXX did a credit line reduction on all of my cards because I reported an issue. When they did this my credit score fell well below the excellent rating I'd had. With XXXX  doing such it causes the other creditors who I have cards with to receive a low score and they inadvertently closed some of my accounts. Wehn XXXX  decided to do this it made me appear to have maxed out my credit limit which was never the case for me. The account where my limit was XXXX  they reduced it to a XXXX  as I had a balance of XXXX. Therefore, it made me appear that I was maxing out my limits which reduced my scores significantly.

I have written to them, called, and until this day nothing has been done. They have sent one of their accounts in which I had flex pay on to collections as they reduced the limit the payments could not be withdrawn from the plan. There is and was plenty of availability for the charges to continue under this one account but they removed the details from the account and created a bigger problem.

I need a resolution asap. I pay every bill on-time every month ....
Product: Debt collection

Around eight years ago I reach out to XXXX  because my information was comprised in XXXX  and I started to check my credit report due to XXXX adding this collect to my report. I went up to my local XXXX and reported fraud and they removed the credit from my report. All of a sudden sprint is closed now and they sold the debt to Jefferson LLC COLLECTIONS. Every time they remove the report they add it back. I want this off of my credit that do not belong to me at all. I never owned a XXXX  phone in my life! I do not mind paying someone back if I actually brought something. Now I'm getting punished for something that is fraudulent. I have had this removed for my credit acct at lease 6x.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Is the company last report was XXXX  2024, I have a agreement with this loan company to pay XXXX every XXXX weeks due to hardship my original payment is XXXX a month but due to hard ship Im not able to pay the full XXXX and the company is reporting late payments on my credit report although we had an agreement of the XXXX every XXXX weeks I will like the my payments to be updated to XXXX  status. My payment cant not be late if we agree to this payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list account below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681 XXXX XXXX # XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A.States i have the right to privacy 15 U.S.C 1681Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer report an agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which enter dates the report by more than seven years.
Product: Credit card

I start a complaint with XXXXXXXX XXXX on XXXX 2025 against XXXX XXXX a Subsidiary of XXXX XXXX XXXX for damages on my car four ( 4 ) wheels at the moment of a installation purchase of four new tires at the store prior to the car get into the shop I took a video of the car all around for my record in case of an accident happens at the shop, when the car come out I find the damages in all the wheels as the store manager agree to be responsible for it because the employee doing the job need to take a video of the car prior to start the job but forget to make the video, the manager look at my video and saw the wheel was not damage when the car XXXX into the shop, the case was referred to headquarters where the claims team denied the claim saying they are uncertain the damages occurred at the shop and close the case, which I bring to the XXXX for review they replay back to me the that the complaint ID XXXX was close because the business will not response or resolve complaints have history with XXXX failing to response to consumer complaints filed with XXXX and recommend to file a complain with the credit card company I pay with and with the service. 
I submitted the complaint to XXXX an on XXXX XXXX,2025 they send me a letter with different requirements and questions regarding the claim I fill al the question and send all my documents from the purchase the estimate for repair {$850.00} communication with XXXX XXXX, including emails phone calls time and day and store visit, XXXX  letter all what the letter require and more later on receiving an information they close the case because I need a letter from a third party that state the damages was done by tire plus at the moment of the tire installation which is not in the letter they send me to be fill out an telling me the letter I received to be fill out and send back k is a generic one for that reason do t have that requirement of a third party letter I feel this credit card company are not in my side even I have for manny years through XXXX XXXX my direct deposit of my retirement with them, never tell me about this letter not in the Dispute Form case XXXX they make me fill out and send.
Product: Mortgage

The homeowner has been trying to get a short sale done on his property for almost a year with the 2nd mtg. The 1st mtg was supposed to get a full payoff but the Buyers who are also the tenants, did not qualify for the loan and once they realized they did not qualify, became very hostile and now there is a difficult tenant-landlord issue here. They are hostile and we are undergoing a tenant eviction process at the moment but it has been a very long and arduous process with the homeowner that just wants to be able to short sell the property. The previous listing agent also was quite hostile and was difficult to work with until the homeowner switched listing agents to try to get another viable, legitimate Buyer for the house. We finally got an offer but at the same time that this offer was presented, Mr.Cooper sends a foreclosure notice via the Foreclosure attorneys on XX/XX/XXXX. We immediately request a postponement request to Mr.Cooper but was told that because we did not send in a short sale packet to Mr.Cooper 37 days before the foreclosure date, they would not be able to postpone the foreclosure date. As you can see, XX/XX/XXXX to XX/XX/XXXX is not even 30 days. The homeowner was not aware of the foreclosure date until he got the letter on XX/XX/XXXX. We have sent in the entire short sale packet to Mr. Cooper and have tried to initiate this in XXXX, the website platform that Mr Cooper processes short sales with, but we need your help in getting this sale postponed since Mr. Cooper has not given the Homeowner the option of fully exploring the short sale.
Product: Money transfer, virtual currency, or money service

Account was charged with no money available and when I contacted them to correct the situation they told me it was on my end even when the same company had not have access to the account anymore
Product: Checking or savings account

I dont have exact dates since I am holding this account more than 6 yrs now. I have seen few charges here and there but never got any response from Wells Fargo.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

CRA is in direct violation of FCRA 605B ... ..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Request for deletion of outdated Personal Information To Whom It May Concern, I am writing to request the removal of outdated personal information from my credit report. I have noticed that some of the names, addresses, employment, spouse and phone numbers listed on my report are no longer accurate, as I have updated my contact details. 

Please delete the following outdated information from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete all others. 

XXXX. I am not a XXXX XXXX. Please delete. I never had a company nor worked for XXXX XXXX XXXX. 
I currently work for XXXX XXXX XXXX XXXXXXXX XXXX as a XXXX XXXXXXXX 
Address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

XXXX. I never have been in connection with a person named XXXX. I do not have a spouse named XXXX. Please delete. 

XXXX. My correct name is XXXX XXXX XXXX. Please delete all others. 

Please update my information. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit file that I don't recognize as my account and every time I I call Equifax to dispute this account I can never get through to someone to speak with them about the matter. When I do speak with someone, the phone line has a very bad reception and the person on the other end does not speak English clear enough to understand me and I can barely understand them. I go online to try to dispute the error and every time I try that I get a message that states " We are currently unable to process your request! The information you have provided does not match our records ; therefore we are unable to process your request online. Please try again later or submit your request via our secure Web Email dispute form. We apologize for the inconvenience. '' The accounts are : XXXX XXXX XXXX  - XXXX XXXX/XXXX - XXXX These accounts are only showing on my Equifax report. There are pictures attached with my complaint.