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

Disputes on XX/XX/XXXX and XX/XX/XXXX regarding XXXX. 

I disputed an account that does not belong to me 3 times. I asked for the investigation results to be mailed with the evidence showing that this is my account. 
I received a letter explaining how they will update my information to reflect my name, address and phone number but nothing showing how they came to their conclusion. The phone number, address, and name is not me. I ask the credit bureau to send me the results with evidence but nothing was provided to me. They keep disregarded my requests every time I called to inquiry. 

I kept asking the Credit Bureau to show me my signatures of any contract with XXXX. They refuse to send me anything. 

The name, phone number, address is incorrect and they will not mail me the evidence they obtain to come to their conclusion.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. On or around XX/XX/year> to XX/XX/year>, I provided adequate notice to the Consumer Reporting Agencies ( XXXX, XXXX and XXXX ) that information in my consumer file that I the consumer has identified as information that resulted from an alleged identity theft pursuant to 15 U.S.C. 1681c-2 and provided all appropriate documents as requested.

All furnishers of the identified information that resulted from alleged identity theft was on my credit report also received appropriate notice.

The FCRA has Prohibition on Sale or Transfer of Debt Caused by Identity Theft pursuant to 15 U.S.C. 1681m ( f ) and 15 U.S.C. 1681s-2 ( a ) ( 6 ).

The company has placed a collections account on my consumer report that was reported as a resulted of alleged identity theft evidence by an FTC identity theft report and a police report this incorporate as apart of this complaint.

The Consumer reporting Agency also has a duty to notify me the consumer in written of the reinsertion of any previously deleted information from my consumer file no more than 5 business days after the reinsertion. I HAVE NOT BEEN NOTIFIED. 

There actions has result in me the consumer suffering embarrassment and emotional harm when i was denied an extension of credit due to your collections account been apart of my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My identity was stolen and I've been trying to fix it by talking to the company and credit bureaus with no assistance. XXXX  is fraud, and so is the XXXX XXXX account. If someone could please help remove these fraudulent item from my account that'd be greatly appreciated. This has brought my life to shambles.
Product: Credit card or prepaid card

Bank of America is over charging interest on credit balances.

The statement with closing date of XX/XX/2018 shows my payments of {$120.00}. and a payment of {$1000.00}. However under the column " Balance subject to interest '' it shows a larger, wrong amount which does not reflect the payments. Bank of America is charging interest based on a larger, wrong amount, thus robbing their customers that carry a balance. The bank also closed another credit card account, without prior notice, even when I had maintained current on all payments. This had damaged my credit, without a cause.
Product: Debt collection

THIS IS NOT A DUPLICATE COMPLAINT!! THE LAST TIME I FILED THIS COMPLAINT, IT WAS MARKED AS DUPLICATE AND THESE ARE XXXX SEPERATE COMPLAINTS AND CONTAIN XXXX DIFFERENT ACCOUNT NUMBERS. Midland Credit Management is reporting late payments of 180 days plus during the months of XXXX, XXXX, XXXX, and XXXX. Midland Credit Managment is a 3rd party collection agency and they are not allowed to report late payments to any of the credit bureaus, however, it seems as though they are getting away with it by reporting to XXXX and XXXX only that an account with them is 180 days late. I 've tried on numerous occassions to get this fixed and have been unsuccessful. I 've requested statements and/or a contract bearing my signature and they 've yet to respond with anything I 've requested. Instead they continue to send the same responses over and over as well as setlement offers and I 'm not paying for something if I do n't know where it came from.
Product: Credit reporting or other personal consumer reports

In accordance with 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. 

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

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

My credit report shows errors related to 15 USC 1681c-2, listing inquiries that were not authorized by me. This false information is damaging my credit, and I ask for the removal of all unauthorized hard inquiries. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, I want to thank you for helping me with XXXX XXXX XXXX  I have my account opened and all is going well. Second, I do not have a credit card with XXXX and they have an inquiry on my credit report. Third Experian still has my name as XXXX XXXX XXXX XXXX XXXX and XXXX XXXX that is not my name and my old address listed XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is my former address and I would like it removed as well my name which is XXXX XXXX and is listed correctly on my XXXX and XXXX credit report. I know it takes time and I am trying to make a fresh start for the XXXX XXXX and finally thank you for your assistance XXXX XXXX XXXX
Product: Credit card

I submitted an application for a credit card with Ally Bank Credit Card Services. I provided documentation related to bank statements and other identifying documents. In this files, my legal name was listed and the department decided to use a misspelling of my name after several calls requesting the information to be corrected. I have reached to a XXXX, a supervisor at the department that remain unable to be respectful about my issues with having my name miswritten on banking documentation. I had to fax legal documents stating my name and the issue has not yet been resolve and they refused to issue a new credit card after a supervisor promised that a replacement card would be issued. 

I believe this all furthers their racism and discrimination to people from diverse families and that it violates my rights as an applicant and a client.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 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

Repeatedly contacted company through mail, phone calls, certified letters with zero progress. Even contacted their executive office which assured it would be expediently rectified and never has been. 

The attached inquiries were invalid and occurred as a glitch in creditor system creditor took accountability and has now sent both Equifax and I removal request 11 times since XXXX of 2020 with zero action on Equifaxs part. 

Additionally Equifax removed account with XXXX and XXXX XXXX were provided everything to have readded and they stated please allow 30 days for those accounts to be readded it has been 4 months. They continue to report error with XXXX  XXXX XXXX  despite constant proof XXXX XXXX XXXX never late
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

Citibank, has charged me monthly fee for years which is completely fraud an invalid- they never alerted me and I did not monitor my account, so need help on the same. 

{$25.00} every month for more than an year for 2 accounts. ( Total of {$600.00} ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN IN CONTACT WITH EQUIFAX SEVERAL TIMES WITH THE OFFICE OF THE CONSUMER AFFAIRS WHICH IS A JOKE AND I THINK THE FTC NEEDS TO INVESTIGATE THEM FOR REPORTING ACT AND LOOKING INTO A INVESTIGATION BECAUSE THEY CLEARLY DON'T CARE OR LOOK AT ANYTHING I HAVE AS PROOF TO SHOW EVIDENCE I AM A VICTIM OF IDENTITY THEFT . I HAVE ATTACHED POLICE REPORTS AND UPDATED POLICE REPORTS AND FTC REPORTS AND LETTERS FROM BANKS AND MORE UPDATED POLICE REPORTS AND NOTHING HAPPENS . I WORKED FOR THEM FOR MANY YEARS AND NEXT STEP IS IM GOING TO THE FTC AND OFFICE OF THE PRESIDENT OF EQUIFAX . I JUST LOST XXXX IN MONIES IN A DEPOSIT ON MY HOUSE BECAUSE OF EQUIFAX NOT LOOKING INTO THE INVESTIGATION PROPERLY AND NOT GOING BY THE LAW OF THE FAIR CREDIT ACT . HAVEN'T EQUIFAX BEEN IN A ENOUGH TROUBLE . I CANT EVEN FILE A DISPUTE ONLINE NOW I CANT EVEN DO ANYTHING ONLINE BECAUSE THEY NEED MORE INFORMATION TO PROVE WHO I AM , NOW I HAVE ALREADY DONE THIS 6 TIMES SINCE XX/XX/XXXX , IT SEEMS LIKE EVERY 10 DAYS I NEED TO MAIL IN DOCUMENTS TO THE PO BOX IN ATLANTA BECUASE EQUIFAX CAN GET THERE MESS IN ORDER . ENOUGH IS ENOUGH . IF THESE ACCOUNT SARENT OFF MY FILE WITHIN 3 DAYS I WILL FILE LEGAL ACTIONS AGAINST EQUIFAX SOLUTION FOR ALLOWING BANKS AND CREDITORS TO DO FINANCIAL RUINS ON ME . EVEN THE MAN IN THE OFFICE OF CONSUMER AFFIARS STATED ITS A JOKE TO WORK HERE AND HES GOING TO EXPERIAN TO WORK . NOW THATS BAD . EQUIFAX HAS SEVERAL POLICE REPORTS AND COURT LETTERS AND FTC REPORTS AND LETTERS FROM BANKS SHOWING THESE ACCOUNTS AREN'T MINE .

ALL THESE ACCOUNTS ARE FRAUD AND REMOVE AND BLOCK THEM 
1XXXX 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

In accordance with the fair credit reporting act XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have a right 's to privacy 15 U.S.C 1681 section 604 A section 2 also states a credit consumer reporting agency can not furnish a account without my written instructions. 

Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : U.S. DEPARTMENT OF EDUCATION Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX, XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report I noticed these hard inquiries that I did not recognize : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, Experian XXXX, XXXX
Product: Credit reporting

I have in the past dispute collection agencies derogatory remarks on my credit report. They have been removed and keep reappearing on my reports. These remarks have been removed from XXXX, yet after requesting them to be removed from equifax and XXXX they still remain. This is preventing me from obtain my mortgage loan. I think the XXXX credit bureaus should be communicating and reporting the same information. Or dissolve them to XXXX national credit bureau, as this is very time consuming to work with XXXX bureaus to clarify my credit information ... .PLEASE HELP
Product: Credit reporting or other personal consumer reports

Ive submitted disputes to Equifax, TransUnion, and Experian, but they have failed to properly investigate or remove inaccurate/fraudulent accounts.these errors are harming my credit and financial standing.
Product: Credit reporting or other personal consumer reports

Im writing to XXXX a complaint against TransUnion for not following the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ).

I previously disputed the following accounts on my credit report, which was confirmed to be inaccurate and removed. However, the same account was added back to my report without any notice from TransUnion within the required 5 business days. 
Account Name : XXXX XXXX XXXXXXXX Number : XXXX Account Name : XXXX Number : XXXX Account Name : XXXX XXXX Number : XXXX Account Name : XXXX XXXX XXXX Number : XXXX This goes against FCRA Section 611 ( a ) ( 5 ) ( B ), which clearly states that consumers must be notified if previously deleted information is reinserted. The lack of notice has caused unnecessary stress and may have negatively impacted my credit.

Ive already contacted TransUnion about this, but they havent resolved the issue. Thats why Im asking for your help to make sure they comply with FCRA regulations and x this problem promptly. 
Ive attached copies of all relevant documents, including my original dispute letter, proof of the accounts removal, and my recent dispute regarding the unauthorized reinsertion. 
Thank you for looking into this matter. I appreciate your support in helping me get this resolved.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I thought I was hired by a fake company calling itself XXXX XXXX XXXX for a software engineering position. 

They sent me a fake starter paycheck of {$4900.00} on XX/XX/XXXX to wire to a man, posing as a company, to purchase and deliver the equipment. The money sent was {$4700.00} on XX/XX/XXXX and sent to XXXX into the account of XXXX XXXX XXXX XXXX, again through a wire. I do not know if the thief is posing as him or affiliated with him in any way. But because the paycheck is fake, this will leave me in the negative in my checking account. 

The deception was discovered that night, and USAA was called for a way to stop the domestic wire transfer at XXXX XXXX EST. A fraud report was filed, and a note on my account explaining my situation was put on my account. The wiring side of the company was closed so while the wire itself was processing it could not be stopped. 

The next morning on XX/XX/XXXX XXXX the wire was said to be complete, but the side of USAA that handles wires would not open until XXXX XXXX CT. I called as soon as possible at opening hours and was told they would attempt to recall it. 

At XXXX a transfer recall request was put out from USAA to XXXX.
Product: Credit reporting or other personal consumer reports

I have disputed this debt with XXXX 3 times, I sent the documentation showing that account had been paid and the check had been cashed by the creditor. The account needs to be updated as paid on my credit report. They keep verifying the account as not paid, I've tried to contact the creditor but they are no longer in business. XXXX is not doing doing their due diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam:I recently obtained a copy of my credit report from all the 3 credit bureaus and found the following item to be in error:XXXX  Account number: XXXXCredit Card Issuer:XXXX XXXX XXXXXXXX, DE XXXXThis account was never late and account was closed and settled and has been paid in full. XXXX  never sent any statements or notification letter in mail to my address but reporting inaccurate information's to the credit bureaus. Had been calling XXXX multiple times and mailed multiple letters to correct the error and they continue to fail to comply and remove the inaccurate information's. I am requesting that the item be updated to correct the information.Please investigate this matter and correct the disputed item as soon as possible.Sincerely,XXXX XXXX
Product: Checking or savings account

My checking account. Got. Heck. Someone withdrew XXXX dollars. Without my permission. Now. Bank refuses to. Refund that money to my acc
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Since I started my membership with Transunion in XX/XX/2022 I haven't been able to access my credit score and credit report. Been on phone call with them since then and they keep sending me from one department to the other in a loop.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, this agencies and companies have violated my rights.

15 U.S. C 1681 section 602A. States I have the right so privacy 15 US C 1611 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Account with PNC Bank was charged off. PNC agreed to settle my account in full for a payment of {$3300.00}. Once payment was received they agreed to report to all 3 Credit Bureaus as a XXXX balance settled in full status. On XX/XX/2022 It was paid in full with cash at the PNC XXXX MD branch for the amount of {$3300.00}. The teller was on the phone with PNC representative and confirmed I paid cash and that everything was complete and settled attached I have the settlement letter and receipt of payment. I want them to Update to a XXXX balance as settled in full to all 3 credit bureaus. They said everything cleared at the branch I dont want to wait 30 days for an update on my credit report when they know its clear on their end.
Product: Mortgage

On XX/XX/XXXX, my wife and I were involved in a car accident. Due to injuries we both suffered my wifes doctor did not allow her to return when her long term XXXX ran out, she lost her employment. She did however find a job in XX/XX/XXXX. Due to the initial job loss we fell behind on payments and applied for a loan modification. We were approved for the loan modification on or around XX/XX/XXXX my wife had significant XXXX XXXX and was unable to drive the 30 minutes to work, we tried XXXX XXXX, XXXX XXXX and XXXX XXXX. 
Nothing worked to help her with the pain and the doctor recommended XXXX XXXX in XX/XX/XXXX so again, she lost her employment as a result of injuries from the car accident. She was working through a temporary agency so they would not hold her job for her. In XX/XX/XXXX, I was told I had an XXXX in my XXXX due to my XXXX XXXX XXXX in the car accident, pieces of my partial XXXX XXXX broke off. In order to save my leg I had to have my XXXX XXXX, I was on XXXX XXXX for six weeks and then a total XXXX XXXX was done on XX/XX/XXXX. I work construction so I can not return to work for 3-4 months after my final XXXX. All in all I will be off from XX/XX/XXXX- MXX/XX/XXXX. As the primary income earner this is a hardship for my family. I have tried working with my lender and they said they have no programs that can help me since I have had a loan modification. XXXX XXXX said I will be eligible in two years. Meanwhile, we get hundreds of calls a week from Wells Fargo they send us letters saying they would like to sit down in person and go over the option but when I asked for someone to come here they said they dont actually do that. I should be eligible for some type of hardship since due to no fault of our own neither my wife or myself are able to work. Also when Wells Fargo did the loan modification they only lowered the payment by {$100.00} or so, this really wasnt enough to compensate for losing {$70000.00} In income. I feel it is unfair to charge someone such a high mortgage payment when they come to you for help. They are also making us pay mortgage insurance which is {$200.00} a month and out loan is paid down enough where that should no longer be an issue. They have delivered foreclosure payments to our child when he answered the door and have made me want to change my phone number because they call from early in the morning until XXXX XXXX XXXX at night. Its hard enough to lose your job due to injury but to wake up every morning to collection calls is horrible- they dont even stop calling us on the weekends.
Product: Debt collection

This debt has been included in a bankruptcy. I contacted the original lender ( landlord ) and they have written off the debt. I am not now and have never been in a contract with FCO. Additionally FCO is not licensed in XXXX.
Product: Credit card

I've ensured this account is paid promptly, never falling behind. I don't know why there are late payment reports on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and subsequent identity theft. Fraudulent accounts and inquiries have appeared on my credit report without my authorization. I request that you take immediate action to block and delete the following accounts and inquiries as allowed under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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