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

Old medical bill still showing on my credit report.This is over 5 years old and by law should not be on my credit report anymore. This is a violation of my consumer rights and is preventing me from buying a home and I want it removed from all 3 credit bureaus immediately. 
Original creditor is XXXX XXXX {$50.00} Amsher Collection Services XXXX XXXX XXXX. XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX This bill is prior to 2014 and should not be on my report.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 any items 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 items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : - XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$2900.00} XXXX XXXX XXXX  Balance : {$480.00} XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A 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 an account without my written instructions Date opened : XX/XX/2005
Product: Student loan

I was sent a forebarance notice that I could add to my student loans. The company is saying I am ineligble, yet the paper THEY SENT ME says I am eligible. I am mad that I was sent XXXX copies and they wo n't admit they are wrong.
Product: Debt collection

XXXX XXXX is listed on my XXXX Credit Report ( XXXX ) three times as an installment loan. It is also listed on XXXX ( XXXX ) as an installment loan three times. It is also listed on my XXXX credit report ( XXXX ) three times as a credit card. This creditor can not verify that the following debt is mine. I have never signed anything with the company. The Company has varying account numbers and varying account types on the report. The company can not validate this debt is mine and accurately posted to my credit. I am requesting XXXX XXXX remove all three credit listing to be removed from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Equifax about 2 collections on my credit file which are showing open and without a creditor 's name on the item, only numbers. The agent told me that it was showing closed on their end but a dispute would be submitted. I received an email notification for results completion on XX/XX/XXXX, but it doesnt provide a means to display the results for confirmation XXXX. I have previously been told I must have been accessing the old system. I refreshed my Equifax credit report today, but no changes have been made. I have been adversely affected by the improper reporting.
Product: Checking or savings account

Ive received a paycheck from a company and deposited it into my account by using the online banking system, after a day the bank blocked my account because the check was not a good paycheck. I didnt know if it was a bad paycheck. That, fraudulent action should not be under my responsibility because i still have the check and the name of the company that sent it still on the check.
Product: Consumer Loan

I had XXXX medical bills that were extremely high to pay. I was told to submit an application for financial assistance. On XXXX separate occasions I was contacted by letter being advised that they needed some additional info., which was provided each time. The process took quite some time, but it was eventually processed, and during this time I told time that I would pay what I could, which I did. During this time the health center 's billing dept. turned this acct. over to collections ( SCA ) and they took little to no time placing it on my for credit report. After my application was finally reviewed and approved, the bill was retracted and adjusted. The health facility took full responsibility for their error and retracted the bill, so when I call SCA they said the balance had been taken care of and that I owe {$25.00} which they were advised was already paid, they said they never posted anything on my credit report, which was n't true, I told the gentleman that I 'm sitting here looking at my credit report. The next day I called back and spoke with another rep. and was told they would be updating their information on the XXXX of the month, well here it is the end of the month and no update, the acct. still shows as being in collection, status is still unpaid and acct. still open. This has been a total waste of my time dealing with them and they clearly do n't care and have dropped the ball pertaining to my account.
Product: Student loan

Discover bank is trying to obtain my phone number for illegal purposes. I have a private student loan from Discover. In XX/XX/XXXX I had some issues with them harassing me and my family via phone. As this time I requested that Discover not call me anymore. This do not call was violated a few times over the past 5 years, but more or less was abided by. On XX/XX/XXXX I attempted to log on to my online account, but I could not without entering a phone number and clicking on a button to accept calls and communications from Discover. I called discover and asked to speak with a supervisor. They told me they would investigate. On XX/XX/XXXX I attempted to log on and pay my bill. I was still being required to enter my phone number. I called to follow up and spoke with XXXX ( Refused to Provide Last Name ), A supervisor in the Student Loan Department. She reviewed the file and told me there was nothing she could do. I asked to be transferred to someone who could help. She refused. I asked to be transferred to the Executive Office. She refused. I asked for the phone number for the Executive Office. She lied and said there was not a phone number. I explained to her that I know that is not correct. She then back-peddled and explained she would have to look into it.
Product: Vehicle loan or lease

About a month ago, I contacted ALLY because had not heard anything from them. When I requested them to mail me the information, I was told to sign up on the internet, but I lost my paperwork and don't know the account number. Two weeks ago, I mentioned that I had not heard/received anything from ALLY which was odd so I asked for validation of proof of the loan along with the contract with my " wet '' signature. They have sent nothing! 

This is supposed to be a business working in good faith. They are not. 

Please fill free to use my email : XXXX XXXX
Product: Credit card or prepaid card

I was provided a prepaid government issued debit card for unemployment benefits from US Bank. Starting in early XXXX without notice US Bank locked this card, which had a significant balance, and requested that I provide a copy of my driver 's license and a " selfie ''. I received a letter on XX/XX/XXXX after the account had already been locked. Unemployment had already verified my information. When I called about my concern that this sounded weird and that my other credit cards and bank did not require this, they told me that they were requiring this from everyone and my other financial institutions would probably start asking for it as well, which they have not! I said that I have had my identity stolen in the past and I was not comfortable with this and asked that my account be closed and send the money back to unemployment - not even me, just the " entity ''. They said that when a card has been locked they can not close an account. The letter I received said that if they did not receive the copy of the driver 's license and a " selfie '' by XX/XX/2023 that the account would be closed and the remaining balance would be returned to the " appropriate entity ''. It is now XX/XX/2023 and the account is still not closed and they have not returned the remaining balance to the unemployment office. I have a working spouse, what if I was single and had no other income?
Product: Checking or savings account

On XX/XX/2020 I deposited a check in the amount of XXXX and per app, {$200.00} was immediately available. However, the check was indicated as accepted. I assumed like many banks they placed a hold on the check to make it available the next day. The next day, I received no communication, and no funds availability. I called to inquire, and the rep said " the system '' put a hold on the check that would be released in a day or two, but could provide zero information beyond that. I contacted the person who wrote the check to make sure the check wasn't written on the wrong account or something. and they stated the check had already been cleared electronically from their account on the XXXX. On the XXXX I contacted US Bank again, and they said they didn't know why but they'd escalate to have the hold removed as nobody could see why it was on there. I explained that I have received no communication of any kind. On the XXXX. the check still wasn't available, and now it's the XXXX and it's still not available. I called today to inquire. The rep was rude. She stated that it's a system hold. I then pressed her as to why I haven't had any communication. US Bank is required to notify a customer if they're holding a check. US Bank is required to make the first {$200.00} available at minimum. I understand the check is a relatively small check, but it's principal at this point. US Bank is operating with complete and utter disregard for United States Law and Regulation. When I asked the rep why US Bank has not complied with Federal Regulations, she said she didn't place the hold. I asked who did. She said the Branch did. Huh, the branch? I've never stepped foot in a branch. So she said someone in my Branch, which is unbeknownst to me, placed the hold and they would have to take it off. I said I'd never been in a branch in my life. She asked if I still live in XXXX XXXX. I said aren't you supposed to know that to comply with Federal Law?!?!? She said she was just asking. So lets get this straight. A check deposit was placed on hold, then I was never notified, then US Bank allows someone in a branch in a grocery store to go in and place an arbitrary hold on a check that violates the {$200.00} funds availability regulation, then doesn't send the required communication to the customer violating the customer notification regulation, then collects interest on my deposit for an undisclosed period of time, also violating banking regulations, and can't give me any answer as to who, when, or why. So naturally I asked to speak to a supervisor and at which point that agent said nothing and disconnected the call. Five Star Service Guarantee. Seems US Bank should be mandated to remove that from their logo if they don't act or practice anything resembling what they promise to deliver on that " five star service guarantee '', much less what the law requires ( UDAAP ). 3 calls, 3 stories, 3 violations ( deposit funds availability, customer notification, 3 people not actually even knowing if the system or a person in a grocery store in some random locale )
Product: Debt collection

I received a message from Global Credit and Collection company who said it was attempting to collect a debt I owe. I called the number back who said it was a non working number for XXXX. This same company left a message on XXXX other phone numbers that have never been associated with any account I have. It was disclosed on answering machines/voicemail that they were attempting to collect a debt from me.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Hard inquiries on credit report that should have been off taken thats still on my credit report old address and phone information improper use anything on my credit report should be consented or given permission by me which is stated in credit laws
Product: Credit reporting or other personal consumer reports

Hello, Good morning, I hope your doing very well. 

my final warning that I have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them. 

XXXX XXXX  XXXX Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 5 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 credit bureaus with these accounts listed below.

I have now pointed out the mistakes so this account needs to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. 

Thank you,
Product: Credit card or prepaid card

I tried to obtain cash from atm on XX/XX/XXXX machine did n't dispense cash put in pin amount requested next thing machine said out of order checked account and it had processes the transaction and removed XXXX from account 18days later nothing has happened filled out dispute foorm and mailed it back same day I received it they say they have n't received it yet 8 days later?
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I notice an account from XXXX XXXX XXXX dba XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I even threaten to escalate this violation higher to ensure that my rights were being upheld and still got no respond from them. I also sent certified letters to the three credit bureaus on XX/XX/2020 asking them to verify or remove the negative report on my credit report. I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Debt collection

I was contacted in or around XX/XX/XXXX by a collection agency claiming to have a judgment against me and demanding payment. The judgment was supposed to have been imposed in XX/XX/XXXX for a debt that I knew nothing about. I never knew about the judgment until XX/XX/XXXX when I received the first communication. I have written to the collection agency and both of it 's " attorney 's '' stating the debt is not mine and they must have the wrong person. I have asked for validation of the debt and all I received was the judgment order from XX/XX/XXXX. I was threatened with wage garnishment and now a subpoena to show all of my financial assets for the last 3 years. I have contacted the original creditor they claim I owed and they have no record of me owing this debt. I have relayed that to all parties involved and I am still getting threatened with legal action. I have overwhelming proof that this debt is not mine and since I never knew that this judgment was filed against me. It has cost me a lot more than what I have spent trying to get this cleared up in the recent months.
Product: Checking or savings account

Bank of America Unauthorized or too many insufficient funds charges. Of {$35.00} for same transactions or when my account wasnt in the red.
Product: Credit reporting, credit repair services, or other personal consumer reports

While XXXX in the Service of the United States XXXX as an XXXX XXXX my vehicle was in storage on XXXX XXXX in Florida. XXXXXXXX XXXX XXXX XXXX who at the time had a contract to perform wrecker services at XXXX XXXX went onto the base and stole my vehicle from the base 's storage lot. 

UNITED STATES XXXX XXXX XXXX XXXX OF FLORIDA XXXX DIVISION Case No. : XXXX XXXX XXXX, XXXX XXXX v. 
XXXX XXXX XXXX  XXXX, Defendant. 

This case was processed under the Service Members Civil Relief Act ( SCRA ) and the plaintiff ( myself ) won the case ( Vehicle was stolen in XXXX and amended final judgement entered on XX/XX/XXXX ). XXXX XXXX XXXX XXXX closed their business to avoid paying out the court ordered judgement and to avoid being held accountable to XXXX as it related to them acquiring the vehicle and hiding this from XXXX by requesting a new title for the vehicle. Both myself and my legal representation informed XXXX of the case as it progressed and XXXX made no reasonable effort to aid or to do their own due diligence to protect their investment and their vehicle, by their own laziness and ineptitude they pinned the loss of the vehicle on me and " washed their hands of it '' to avoid the effort that would have been required for them to protect their vehicle and their consumer. 

This case can be found with an online search of the case number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion charged me XXXX twice on XX/XX/2017 after accessing their site to research credit monitoring. I never authorized a charge or provided a credit card number.
Product: Credit card

Approved for new credit card but credit limit is far below my other credit cards plus I have a high credit score requesting a higher credit limit more in line with my other credit cards...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is related to charge off and due balance on my account with XXXX XXXX XXXX XXXX   Which still indicates a balance and then charge off but it was miscommunication on late fees which was never supposed to be applied They realized error and promise that they will correct it. But this is still showing up on my credit report. This is showing as a negative item and adversely affecting my credit rating. 

This has been shown negatively by all the three credit bureaus including Equifax/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with the credit beau regarding XXXX of my items on my credit report. I asked them what did they use to validate that debt was mine. There was no signatures on that debt from XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B or 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 four business days of receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following : 1. Account opened at DEPT OF EDUCATION on XX/XX/year> XXXX Credit inquiries XXXX  XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.