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

XXXX XXXX and Transunion have allowed XXXX XXXX XXXX to continue to report on my credit report inaccuracy information on my credit report and causing my score to go down for their mistakes of reporting correct information. Why do I have to suffer for their mistake. They have violated the fair credit reporting act and continue to do so. CFPB have also reported that they did and XXXX was in a settlement for this and use predatory practice. That they continue to do so! LIKE ADDING INTEREST TO A CLOSED CHARGE OFF ACCOUNT AND REPORTING IT EVERY MONTH!!! IT WAS AT LEAST 8 THINGS WRONG ON EACH CREDIT BUREAU.
Product: Student loan

I was a student at XXXX College at the XXXX XXXX campus. I was a student there from XX/XX/XXXX- XX/XX/XXXX. That date may vary by a few months. I can not get the information about the school due to the school shutting down and there being no way to contact them since they do not exist. Recently, I my credit has taken a hit because over {$15000.00} in private loans was sent to collections with my already incurred XXXX in federal loans in a student deferment. The school was closed due to accreditation fraud, false promises of employment and false price advertising for the education. They also, just before the school shut down, switched companies in which my loan was through to force us to pay even after the school was shut down. None of my credits transfer from this school, the degree is worth nothing, and I am sitting with over {$50000.00} in debt that I have nothing to show for. This school underwent a large class action lawsuit by the XXXX Attorney General. The class action won and the school still continued to show false promises. I enrolled in the school one and a half years before its closure and graduated, at most, a month after its closer. All I am asking for is to see if there is any way that these false loans can be taken away or if I should fight it. 
I have also been contacted my a number of other companies that have promised to take care of my loans and all of which, some to find out, have been scams. The most recent ones is XXXX XXXX XXXX. These companies, according to the Federal Department of Education, have no ties to any legitimate organization and should not be trusted. 
I will be able to provide information but I am waiting for it to arrive from home as I am away at college.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020- initial dispute filed requested to investigate items that were never investigated. The company appears to " cherry-pick '' items to dispute. Consumer effectively requests investigation of all items requested in the letter. Failure to update the bureau to reflect item as under investigation and failure to provide proof as to how items are validated. 

XX/XX/2020- Second letter sent via mail to verify same items and bureau continues to ignore disputes sent by not updating credit bureau to reflect item as in dispute by consumer. As required by law. 

XX/XX/2020 prior information deleted and placed back on the bureau with different account numbers for the same account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was signed on as an authorized user to my XXXX year old mother who has XXXX/XXXX.as I am her POA ( while bank of america did not accept it-only one-wants original documents we don't send ) and daughter-it is not my account or debt, yet they have recorded it as such which is hurting my credit score.  On top of it fraud was made not resolved to the tune of nearly XXXX in charges and another XXXX in fees on the Bank of America acocunt which is now being reported and not resolved despite hours w fraud dept. someone stole my moms social and called her and got her to transfer huge amounts of money one to another charge that was over what she owes and another to a bank that is not hers. IT has happened twice on XXXX too, but XXXX is not reporting me as I am not an authorized user. In additional to the fraud, BANK of America MUST REMOVE THIS REPORT FROM CREDIT BUREAUS IMMEDIATELY AND ALSO CORRECT THE FRAUD.
Product: Credit reporting or other personal consumer reports

I see that TransUnion has removed XXXX off my consumer report and it is proof of my claim but has not yet compensated me for the damages caused and also the violations. If this issue can't be resolved, I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate reporting of late payments on my consumer report related to Account # XXXX ( XXXX ) **. I have always made timely payments, and the late payments being reported on my credit file are incorrect. This erroneous reporting violates my rights under federal consumer law and must be corrected immediately. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, credit reporting agencies are required to ensure that all information reported is 100 % accurate, complete, and verifiable. Specifically, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information included in consumer reports. Reporting inaccurate late payments when I have consistently paid on time is a direct violation of this provision. 

Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers of information from reporting data they know or should know to be inaccurate. If the data furnisher has provided incorrect information regarding my payment history, they are in violation of this statute and must rectify the error immediately. 

I request that Equifax conduct a proper investigation into this matter and take the following corrective actions : 1. Immediately remove or correct the inaccurate late payments associated with Account # XXXXXXXX XXXX XXXX XXXX from my consumer report. 
XXXX. Provide written confirmation that the necessary corrections have been made and that the inaccurate late payments have been removed. 
XXXX. Ensure that this correction is reflected across all credit bureaus to prevent further damage to my credit profile. 

I have attached supporting documentation, including copies of my credit reports, payment records, and previous dispute attempts, to substantiate my claim. Please investigate this matter promptly and notify me of the resolution in writing. 

I trust that Equifax will adhere to its legal obligations under the FCRA and take the necessary steps to ensure that only accurate and verifiable information is reported on my consumer file. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Debt collection

Dear Sir/Madam : PERFECTION COLLECTION has placed a debt in my credit report with XXXX. I know nothing of this debt and called them to state the same. They would not explain, but said it was from an old debt to " XXXX  '' and refused to remove it from my credit report. I owe no money to XXXX  and have not seen any evidence from this collector that I do. 

I then diputed the debt with XXXX  twice and they have refused to remove the entry from my credit report. This is identity theft, and I want to know how this collector got my ssn. Did they get my ssn from the XXXX  data breach? Neither the collector nor XXXX  is willing to explain this and remove this entry. Please help. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date.

The items below should all be updated to paid as agreed on my consumer report.
Product: Checking or savings account

On XX/XX/XXXX I had a Fraud Charge to my checking Bank of America account ending in XXXX for {$420.00}. They had temp credited me on XX/XX/XXXX but recently on XX/XX/XXXX they denied the charges saying it was valid without telling me their reasoning. I had lost my card prior to the charges being made and contacted them immediately so they had sent me a new card but the charges were not made by me at all. I need them to reopen the case but they are not complying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against, Portfolio Recovery Associates, for re-reaging a debt, through false reporting of information to Credit Reporting Agencies.. According to XXXX XXXX information contained in my credit report as of XX/XX/XXXX : Portfolio Recovery Associates reports on XXXX : Account opened in XX/XX/XXXX. Balance : XXXX Balance Updated : XX/XX/XXXX ( It should be noted, no payment has ever been made on this debt, after XX/XX/XXXX ) This was an account Portfolio Recovery Associates purchased from XXXX/XXXX. The original account was written off. Below are the basic details of the original account as reported by XXXX. Original Credit card account details : Creditor : XXXX/XXXX. Account Opened : XX/XX/XXXX. Balance : XXXX Last Payment made : XX/XX/XXXX Current Status : Written off/Closed. This information confirms that Portfolio Recovery Associates, purchased a debt from XXXX/XXXX, which had been established as Charged off. Portfolio Recovery Associates then re-aged this debt, by reporting to the Credit Reporting Agencies during XX/XX/XXXX, that this debt was opened on XXXX. This is beyond the 6 month period between the last payment made and the account being charged off ; Furthermore, according to the original debt holder, XXXX/XXXX XXXX  own reporting shows this account was not written off and closed until XXXX, after the date Portfolio Recovery Associates claims the debt began. This will cause the debt to remain on my credit report beyond 7 and a half years, possibly longer as Portfolio Recovery Associates seems to continue to report updates to the balance and has already increased the original balance of the debt from XXXX as reported by XXXX/XXXX, to XXXX.
Product: Credit reporting or other personal consumer reports

Per review of my credit report, Equifax is still showing an incorrect birthday. My birth date is not XX/XX/year>. I have sent multiple requests asking for this information to be corrected and has yet to be updated. 

I have also reviewed my report and saw multiple account inaccuracies.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance : {$5100.00} ; XXXX  XXXX Balance : {$5600.00}.
Product: Credit reporting or other personal consumer reports

My credit report shows several credit cards that have been written off. I contacted each company with a certified letter to provide me with a 1099 so I could claim the losses as a profit on my credit report. It has been over 90 days. I received the certified post office certified mail receipts but have not received any 1099 to file with my taxes. I contacted the credit bureaus, and nothing has changed either. I need to get this resolved so I can complete my taxes. The companies in question are XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. These companies are reporting to all three credit bureaus.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> & XX/XX/year> Kikoff reported late payment on my credit report and In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy. 15 USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I been sending letters and the past XXXX to get things deleted from my report im just asking simple may yall please just remove the items and help me fix my credit report i can go back n fourth with the usc codes and getting all the account numbers which take a lot of time for me because i cant get in contactwith some of XXXX companys they simplely got a computer screen with all my info they see what accounts im talking about its a list right infront so i just wan na make it easy any account that report old late payments before the last 30 days can u change it to current aint like the company will know anycharge off accounts take off my report and remove all inquires as u can see 80 % come off this year anyway im just a regular person like yall trying to better myself and i would love your help very much in bettering my future
Product: Checking or savings account

I was a customer of Union Bank, US Bank took over my account and I haven't been able to access my account online. I've spoken with the bank 3 times now and my issue has not been resolved, even though 2 of the 3 said it was taken care of. XX/XX/31 was my first call. 2 other calls were on XXXX. They say they have customer service 24/7 but apparently that doesn't include issues such as a fraud alert. I have to speak to a specific person who put a fraud alert on my account instead of being able to have it handled by someone else who in the company. Additionally in notes of the report that has shut off my account there is no last name or department mentioned. So the 24/7 line that I called wasn't able to give me any answers. To summarize, my account was cut off with no explanation and seemingly no accountability, and apparently this is under the control of one person, without whom I have no hope of accessing my account for the first time since becoming a US Bank customer. I never had a single issue with Union Bank. And now since the merge I haven't been able to access my account for 5 days.
Product: Credit card or prepaid card

This is part of the Wells Fargo 'accounts opened without owner 's permission ' saga that continues to this day. Wells Fargo employees were challenged to open as many accounts as they could and rewards were paid supposedly. I have read that management at WF told these lower ranking employees how to aggressively open these accounts and this went on for years. I tried to no avail back in 2006 ( I think ) to have something done about this young man who did this to me. I went into the XXXX, CA branch and he ran away when he saw me. I complained to several management staff and even received a call one evening from an extremely rude and arrogant man who told me basically to shut up because non of his employees would ever do something like I had described.I was one of those people and it occurred years ago in XXXX Ca. and I tried repeatedly and for months when it happened to have something done about the young man that had harassed me while I sat at his desk using his phone to get my lock out service to come to unlock my car. This bank employee would not stop telling me that I needed to get a {$2000.00} personal loan type credit card. I was appalled at how rude and aggressive he was. He continued to talk to me non stop. I looked him in the eye and said " Listen, the last thing in the world I need right now is another credit card. Please leave me alone! A few days later my son and I boarded a beautiful cruise ship. I decided to check my bank account and was horrified at what I saw. The man I had met in the XXXX, CA Wells Fargo had gone ahead, against my wishes, and ordered the personal loan type of credit card. This just about ruined my entire trip. Now I had to deal with this while on vacation. So I contacted the bank and told them I wanted a copy of the application that I had supposedly filled out. When I received the copy that had all the info typed in from a computer, where the signature should have been, it read " no signature required. '' He had accessed my personal information and used it to order this card. It cost me fees as fees are charged when you get cash advances and I did not but he ( the bank employee ) had already processed several and then transferred those cash advances to my checking. A few months ago I received a check for $ XXXX from XXXX XXXX , Senior Vice President, Customer Remediation Office , Wells Fargo , XXXX. XXXX XXXX, XXXX, OR XXXX.I was utterly appalled. How rude and how dishonest and it is identity theft! I wish I could do something about this. It is a slap in the face. It was a horrible experience and quite stressful. How dare they insult me by sending me a check for {$1.00} and then writing another letter weeks later wanting to know why I had not cashed my check!! I would like to know how many, of the thousands they defrauded, are happy with their so called settlement. It is unfair and so UNAMERICAN how Wells Fargo was allowed to just brush these types of actions under their carpet.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

COLLECTION COMPANIES REPORTED IDENTITY THEFT ACCOUNTS PRIOR TO CONTACTING ME, WAS TOLD BY PARENT COMPANIES THESE WERE IDENTITY THEFT ACCOUNTS, ONCE I CONTACTED THE COMPANIES UNDER FTC AND FDCPA specifically rul usc15, 1692g, they never responded.
Product: Credit reporting

Hello, my name is XXXX XXXX XXXX. I have been trying for the last couple of months to settle a dispute on my Transunion credit report. On my report it shows that I have a mortgage with XXXX XXXX XXXX, inc. ( XXXX ). This account ( XXXX ) was not mine and my social security number ( XXXX ) was incorrectly and illegally tied to that account. I tried to bring this to Transunion 's attention in XX/XX/XXXX and XX/XX/2016 but nothing happened. 

I have communicated with XXXX and now have the issue with them resolved. However, the account still shows up on my credit report. This is stopping me from future loans/mortgages. 

This needs to be taken off my credit report due to it not being my account. As I believe it, XXXX have sent this information to Transunion. I have also tried several times to report this to Transunion. 

Attached is a letter from XXXX stating that they have resolved the issue and reported it to Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following accounts need to be removed as they are fraudulent. 

XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act [ Account Name & Number # }, has violated several of my rights. 

15 U.S.C1681 section 602 A. Clearly states that 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 instuctions 15 U.S.C. 1666B ; A creditor may not treat a payment on a credit card account under a open- end consumer credit plan as late for any purpose. 

Remove these late payments and update all theses accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting Act }
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX XXXX, has violated my rights, XXXX Account # XXXX has violated my rights, XXXX Account # XXXX, has violated my rights, XXXX # XXXX has violated my rights, XXXX Account # XXXX, has violated my rights, XXXX XXXX XXXX Account # XXXX has violated my rights XXXX XXXX XXXX XXXX Account # XXXX has violated 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from XXXX XXXX that an account was opened in my name. ( I have the letter attached ) I did not open this account and I did not receive any goods or services from this company. My identity was stolen back in XXXX and this account is a result of identity theft. I sent a Identity theft report, and also a written statement informing all credit reporting agencies that this account was not mines and was a result of identity theft. I also provided appropriate proof of my identity. Pursuant to 15 USC 1681 ( c ) ( a ) a consumer reporting agency SHALL promptly notify the furnisher of information that it was a result of identity theft and shall block the information not later than 4 business days after date of receipt. I have attached proof showing that XXXX received all of the appropriate documents but they are still is reporting this information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the incorrect information on my reports and they're coming back with the same information just updated but no explanations of when and where proof of the account to open them information about it nothing is being described to me I'm completely at a loss