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

A bankruptcy is being reporting inaccurate and/or incomplete information concerning me in consumer reports. This conduct has caused me distress and financially harmed me with costs and loss opportunities. 

The following alleged Public Record you are reporting concerning me is inaccurate and/or incomplete, and also unverifiable : Reference # XXXX I contacted the Court of Record you list on my credit file, and they confirmed that they neither provide or verify court records to you or to any other third-party. 

I then contacted XXXX and XXXX XXXX XXXXXXXX XXXX XXXX informed them of their errors in reporting and they responded with a letter deleting any and all Public Record notations. 

Therefore, they could not have possibly verified this information, and I request that you delete the alleged Public Record and provide me an updated copy of my consumer file. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed. 

I disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in & connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Listed an account on my credit report with two 30 day late payments.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including complete accounting of this account.. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed multiple accounts on my report I do not recognize two time each XXXX XXXX  XX/XX/2021, XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021, XXXX
Product: Checking or savings account

I am in the midst of a most unusual situation and have exhausted all options through the normal phone / department escalation channels. 

Background : - Opened a Citizens Bank online account XX/XX/23 and made initial deposit - Setup direct deposit and payroll withdrawal taken out of my paycheck and deposited to Citizens Fast forward .... 
- Around XX/XX/23 - I am no longer able to sign into my Citizens Mobile App- I call Citizens customer service and they tell me my account has been closed, they can not disclose the reason, and to look for a letter in the mail in 2 weeks I have a fantastic credit score and have never had any account closed ( particularly one where I am sending them money / deposits ), so I am at a loss what triggered this action by Citizens ( totally in the dark to this day ) More importantly though, I need your help finding where my deposited money is, and how I can withdraw it if Citizens has made a decision not to let me be an account holder with their institution. At this moment in time, the money is in complete limbo ( I am locked out of my Citizens Account and your phone representatives can do nothing to assist ). 

My initial deposited funds are being held hostage and no one I speak with at Citizens can do anything to help. Most insane thing I have ever encountered. 

Is there anything you can do here? 

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

The information listed on this identity theft report does not belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction regarding the persistent presence of unauthorized inquiries on my credit file. Despite multiple attempts to rectify this issue, the unauthorized inquiries continue to negatively impact my credit score and financial reputation. 

I discovered several inquiries that I did not authorize or recognize. Since then, I have made numerous attempts to have these unauthorized inquiries removed from my credit file. I have submitted formal disputes, provided supporting documentation, and followed all prescribed procedures outlined by your agency. However, despite my diligent efforts, the unauthorized inquiries remain unresolved. 

The presence of these unauthorized inquiries not only undermines the accuracy and integrity of my credit report but also raises serious concerns about the security of my personal information. As a responsible consumer who diligently monitors their credit report, I find it unacceptable to be unfairly penalized for inquiries that I did not initiate or authorize. 

Furthermore, the lack of progress and communication regarding the status of my dispute only adds to my frustration and erodes my trust in your agency. I have not received any updates or explanations regarding the reasons for the delay in resolving this matter, leaving me feeling disregarded and powerless in protecting my financial interests. 

I demand immediate action to investigate and rectify this situation by removing the unauthorized inquiries from my credit file without further delay. Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. With this, I am asking for your assisstance to remove these unknown inquiries in my credit file : XXXX XX/XX/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: Checking or savings account

The account was opened under an agreement and tge terms high interest account and was later labeled as a performance savings account. The original interest earning agreement was then lowered to a different interest rate.
Product: Credit card or prepaid card

On XX/XX/22 I made a balance transfer with Navy Federal Credit Union for {$2600.00} to be sent to XXXX XXXX XXXX XXXX XXXX. A week later no transfer had taken place so I called NFCU and was told transfer was made electronically and funds had been dispersed. Contacted XXXX  and was told no funds received?!?! Finally after speaking with literally 7 different people combined from both credit unions and having a three way phone call with all parties, no solution. Now I have 2 balances for same amount thats incurring interest, fico  score has dropped and Im in the middle and no one seems to be concerned. I did speak finally with a XXXX at XXXX Legal Department and she is wanting to speak with NFCU but they are not cooperating! Im am wits end! Please help
Product: Credit card or prepaid card

I have been using the American Express Serve card for several years. On Thursday XX/XX/XXXX I received an email that my account was suspended indefinitely. The only explanation I received was I violated one of their terms under section 15d. I had a substantial amount of money in that account. In the last week I have called customer service ( with hours of wait times ) to be told they cant see anything and dont know why it was closed. They informed me to mail a letter to a PO Box in Georgia ( which I did and was received on XXXX ) I emailed corporate offices through Amex and was finally told the company XXXX would not clarify to them why it was closed. I have also filed a complaint to the XXXX  XXXX  XXXX. My next step is a lawyer. This is outright robbery and complete unethical banking. I want my balance mailed to me in a check. That is my money to live on!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent an affidavit to XXXX, XXXX, and Equifax showing my identity was compromised. I sent a death certificate and identification of the person who opened the accounts. I also sent my identification and they have done nothing. There are many names on my credit reports that are not mine. I verified MY identity but the names still remain. I have been in a paperwork battle with the XXXX credit reporting agencies since XXXX of 2022. They refuse to resolve these issues
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have a piece of information passed on that should be taken out or blocked. Per FCRA segment 605, XXXX and TransUnion Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX and TransUnion are trying to get me to buy and use their own products to protect my credit after the XXXX security breach. I feel it should be easier and well within my right to be able to freeze my credit and put a fraud alert on my accounts easily. Nevermind the fact that XXXX clearly does not care about consumers if they are not protecting their information better. I also do not understand why I will have to pay {$30.00} to unfreeze my credit. I 'd like to see a change in the way the government handles this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has Violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported On XX/XX/2023 Account Balance {$1500.00} This lender or creditor reported that your payment was 30, 60, 90 or more days late. 
XXXX  XXXX Reported On XX/XX/2023 Account Balance {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to to 18 U.S.C. 10284. 
You have knowingly transferred possed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal your assistance. As a consumer reporting agency 15 U.S.C. 1681a ( ), you are governed by th Credit Reporting Act ( " FCRA* ), 15 U, S.C . 1681, et seq., which protects consumers from inact outdated, or invalidated information reporting of their consumer file. The FCRA states that consumer reporting agency 's responsibility to ensure that all information contained within consumer is accurate and free from errors. Your company is regularly engaged in the business of assemblir evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S, C. 1681a ( d ), to third parties, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report. 

Santandeer XXXX XXXX XXXX XXXX
Product: Credit card

My client has received late payments on XXXX separate credit cards from XXXX 2015 to XXXX 2015. She has reported to these credit cards companies that she was in the hospital during this period of time involuntary and so she could not pay these credit card monies. She was out of the hospital in XXXX 2015 but for XXXX and XXXX she received late payments fee 's as well due to not being her payee.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several billing errors. The late payments do not reflect my usual payment history.
Product: Credit reporting or other personal consumer reports

In my XXXX report, I see two unrecognized Credit inquiries completed on XX/XX/year>. I contacted both entities, but they could not provide me with much information, and according to them, no transaction or account was created in my name. 

First inquiry details : Date : XX/XX/year> Company : XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, CA XXXX  Phone : ( XXXX ) XXXX Second Inquiry details : Date : XX/XX/scrub>XXXX  Company : Consumer Portfolio Services , Inc . 
Location : XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXExperianXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information such as date opened, monthly payment and payment history without any proof provided, within the time allowed by law, is not authorized. Please update the late payments from this account. XXXX XXXX XXXX XXXXXXXX Balance : {$45.00} [ XX/XX/XXXX ] [ XXXX ] XX/XX/XXXX [ XXXX ] XX/XX/XXXX [ XXXX ]
Product: Debt collection

I've asked Chase numerous times to provide proof that this debt belongs to me - as it did and does not. They provided documents from the dealership that did NOT have my signature and where there was a signature it did NOT match that of my own. When I called and wrote to them questioning this, I was given the run around and nothing was done about it - yet it is till on my credit report as a repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I disputed items on my consumer credit report that were furnished without my written consent. I did not give expressed written consent to Experian to authorize these items to furnished on my report pursuant to 15 USC 1681b ( a ) ( 2 ). A FTC identity theft report has also been filed and sent to Experian for using my information to furnish items on my report without my consent. Experian temporarily deleted the XXXX XXXX XXXX  XXXX XXXX accounts from my report. However, the other items have not been blocked from my report in accordance with 15 USC 1681c-2 ( a ). I have sent XXXX notices to Experian since the beginning of XX/XX/2022 with the attempt to settle this matter and get these items removed from my report. However, I have not received adequate response about the investigation or proof of written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which XXXX, XXXX and Transunion weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX
Product: Credit card or prepaid card

Self Inc. notified me that they would be closing my Credit Card account by XXXX CT on XX/XX/2013. The email instructed me to contact their support team before XXXX if I did not schedule the closure. However, they sent the email at XXXX. They subsequently sent me a Notice of Adverse action that said the reason for termination was that they were " unable to verify customer information. '' I then went to their website and they said that they will not re-open an account but that I may re-apply for a new one.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am making this complaint without any third parties. Transunion has violated my right as consumer under there fair credit reporting act 15 use 1681b be furnishing information without the consumers consent or a court order. They have provided false and misleading information of these accounts being verified with no evidence see attachment.
Product: Debt collection

I have  sent Quality re covery services, inc money orders showing I did not live in   XXXX   XXXX   in  XXXX  of   XXXX   they keep sending me a lease from  XXXX  like that proves something. I sent them proof that it was n't the first time this complex has tried to say I owed them when I did n't. they changed management many times because of their not so ethical tactics. I have never owed or ever paid my rent late, I 've told this collection agency that this is false information and not true and to remove this off of my credit report. I know that they do not have a contract that I signed with them, showing me an old lease is not sufficient especially since I sent proof of money orders paid to another complex in  XXXX  of   XXXX  . Please have them remove this information from my credit report. Thank you, sincerely