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

TransUnion has reinserted an erroneous account 3 times. I've been disputing this information for a year now they have failed to conduct any investigation. This account has been deleted from XXXX & XXXX for violating FCRA. I have proof that TransUnion has never conducted any investigation thus verifying the information as accurate. 

This is not only Defamation of Character but includes Fair Credit Report ACT 15 USC 1681 violation for willful compliance 616 Civil Liability for willful noncompliance 15 USC 1681n. 

I sent a letter to the creditor requesting proof of documentation in reference to the account with no correspondence. Proof Attached certified receipt & signed.
Product: Credit card or prepaid card

Without notice or reason Discover closed my secured credit card. Card # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. {$200.00} security deposit not returned. Did not have a balance when account closed. I have asked about the return of the deposit and told that they do not know when it will be returned.
Product: Vehicle loan or lease

I had fraud on my account. I emailed BEFORE you put stuff on my credit report without my consent. As a 1 time curtesy I want this late fee removed.
Product: Credit reporting

XXXX : Salesman XXXX XXXX advised me that I could pay half at start, half at completion of services. Never showed me any paperwork saying he was going to send my info in for a loan. I wanted to pay this was because I 'd had a bad experience with another company prior, and was just trying to be smart. Told him that I 'd pay the entire amount up front, that I was just trying to be smart about it. He assured me that I would never have any payments to make, and not to even pay him. Pay the technician in a week the first half, and the rest upon completion. The only thing I saw to sign was on an electronic tablet with only a space for my signature. He then, that very day, without my permission, submitted my info to their finance XXXX XXXX for a loan. This put a hard inquiry on my credit report which negatively affects it. I paid XXXX the full amount immediately, and never dealt with the loan company. What the salesman did was fraud. That was3 months ago, and as of this posting, they still wo n't contact Equifax to have the inquiry removed. Be very careful when dealing with this company. 
XXXX HAS REQUESTED THE HARD INQUIRY BE REMOVED FROM MY CREDIT REPORT, BUT EQUIFAX WO N'T DO IT. I ATTACHED THE REQUEST FROM XXXX.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 USC 1681 Section 602A states : I hate the right to privacy. 

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

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) 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 NAME WAS LISTED IN THE DATA BREACH WITH XXXX AND EXPERIAN. PLEASE REMOVE THESE ACCOUNTS THAT ARE NOT MINE. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$680.00} written off. 
XXXX Date opened XX/XX/XXXX Balance {$1200.00} Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Collection account. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$890.00} Status Collection account. {$890.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$850.00} Status Collection account. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Account charged off. {$650.00}
Product: Checking or savings account

Since XXXX XX/XX/2021 I have not been able to make deposits or withdrawals at BARCLAYS online bank USA. 
For the last 4 weeks I have contacted them by phone and emails and have been told repeatedly my accounts were under investigation for " fraud '' and that their security dept would be in contact with me. Every week I've been give the same song and dance routine without any contact from the bank until today XXXX XX/XX/2021 when I received an email stating my access to my online bank accounts was blocked. Up until this point I was at least able to logon and see that my money was in the bank. Now, however, I'm not able to even do that. 
Of course, I immediately contacted the bank and was told the same old story about the " investigation '' was still underway ad they would contact me " whenever '' it's concluded. They claim the problem was caused by son, who is XXXX  XXXX military, linking his own account to the joint account I opened for him authorization. Yet they approved his transaction and allowed him to make a deposit and withdrawal before locking me out of the very accounts I myself opened for us without notice or explanation.
Product: Credit reporting or other personal consumer reports

I'm trying to get hired for XXXX and the background check came back saying my license not valid like I'm a passenger driver and stuff like that and it's not true I took care of the problem at the DMV around the XXXX or XXXX of XXXX and XXXX verified that my background check came back on the XXXX and it was some problems with my license can you please fix the issue i would greatly appreciate it
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally financial, my car note company - HAS NOT reported my payments since XXXX of 2019. They said that they would make note and update it and NEVER have. They will report when you miss a payment or don't pay them, but won't update a positive report? 

I'm angry. To say the least.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, XXXX, and XXXX for reporting incorrect information on my consumer report. The only employment information that should be reflected on my report is my employment with XXXX XXXX and The XXXX XXXX. Any other information that appears on my report is inaccurate and must be immediately deleted. 

Legal Basis : 1. Michigan Consumer Protection Act ( MCPA ), MCL 445.901 et seq.

Under the Michigan Consumer Protection Act ( MCL 445.903 ), it is prohibited to : ( s ) Fail to reveal a material fact, the omission of which tends to mislead or deceive the consumer, and which fact could not reasonably be known by the consumer.

By reporting incorrect information on my consumer report, Corelogic, Clarity, and ARS are misleading and deceiving both consumers and third parties regarding my creditworthiness and personal information.

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The Fair Credit Reporting Act mandates the accuracy of consumer reports and sets forth the rights of consumers to dispute and correct inaccurate information. Relevant sections include : 15 U.S.C. 1681i ( a ) This section requires consumer reporting agencies to investigate disputed information in a consumers file. I have disputed the information on my consumer report, and the agencies have failed to correct or delete the incorrect entries.

15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. By including erroneous details on my report, Corelogic, XXXX, and XXXX  have violated this section.

3. Michigan Collection Practices Act ( MCPA ), MCL 339.901 et seq.

Under the Michigan Collection Practices Act, it is unlawful to provide inaccurate or misleading information to a credit reporting agency : MCL 339.915 ( e ) Prohibits a person from furnishing false or misleading information concerning the creditworthiness, credit standing, or credit capacity of a consumer to a credit reporting agency.

4. Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) The Federal Trade Commission Act prohibits unfair or deceptive acts or practices in or affecting commerce. Reporting incorrect information on my consumer report constitutes an unfair and deceptive practice under this act.
Product: Credit card or prepaid card

Took credit for refunded item away after investigation. Payment was never returned to my account. Also, {$1700.00} was added to balance and the bank can not tell me what the charge is for. A total of {$4400.00} is the amount disputed and has not been reconciled for the last four months.
Product: Credit reporting or other personal consumer reports

The following are fraudulent inquires that need to be removed from my credit report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XX/XX/year> ) and XXXX XXXXXXXX XXXX XXXXXXXX ( XX/XX/year> ). I am attaching a letter from all these creditors authorizing the removal of all these fraudulent credit inquires from my credit file.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> there is an inquiry with a company I do not recognize. I did not make this inquiry. Remove this from my report asap or I will be filing a lawsuit. There is no evidence this is me so your XXXX response of it being factual is ridiculous and absurd. Remove it now. Thank you
Product: Bank account or service

I lost my wallet on the bus about a year ago and someone used my debit card and put a false check and took out cash. I made complaints about it and they sent me to XXXX. I had all my information in my wallet. Besides my social security card. Please help me in solving this issue because I need my debit card back. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

ACCOUNTS : XXXX XXXX XXXX/XXXX XXXX US DEPT OF ED/XXXX XXXX INQUIRIES : XXXX- XX/XX/2019 XXXX/XXXX XXXX- XX/XX/2019 XXXX- XX/XX/2019 XXXX- XX/XX/2019 XXXX XXXX- XX/XX/2019 XXXX XXXX XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has my social security number mixed up with my sister. 3 mos ago we noticed my truck lease info on my sister credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Chapter XXXX on XX/XX/XXXX & it was discharged on XX/XX/XXXX. I have disputed this error with the company XXXX XXXX, which states they are reporting it correctly and with Transunion on multiple occasions. This account is clearly included in my bankruptcy and Transunion has received my discharge order ( through the dispute process ) on multiple occasions since the beginning of XX/XX/XXXX. Yet, they continue to send me the standard 'remains as is, accurate ' response. 

On my XXXX  and XXXX  credit reports, this account is reporting correctly as included in my chapter XXXX. On the Transunion report, it reflects as charged off and sold to another lender aka delinquent. While that may have occurred, it was still included in my discharge order and should reflect as such. Most of the other accounts were charged off, sold, and the like and I see no reason why this should be any different. I am more than happy to provide proof of all stated.
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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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

PORTFOLIO RECOV ASSOC XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXX XXXX XXXX 
XXXX XXXX XX/XX/XXXX XXXX account. {$1900.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$1900.00} XX/XX/XXXX 0 % {$1900.00} {$1900.00} XXXX XXXX XXXXXXXX I want this to be deleted off my credit report it is hurting my credit
Product: Mortgage

My mortgage was sold to PHH Mortgage early this year. My taxes have been due since XX/XX/2023 but no matter how may calls I make they have not paid them. At first they were paid on the wrong lot. That was resolved by sending me a reimbursement check for that amount months after I complained. However they never did pay the taxes on my house after that. I started calling about it in XXXX. I have gotten the run around at every call or email. I was told they sent the check in May to my tax dep. I got a final notice letter this month and called again. I was told they sent it but did not know what was going on. This week they send an email that the they tax dept. is working on it still. I called and was told they are working on it but can't tell me anything XXXX is who the emails tell me to contact. She nor any of the other agents have a way for me to talk to the tax department for more information nor do they have a supervisor I can speak with. My taxes are past due already and the final deadline is XXXX XXXXI have an escrow account I don't know why they won't take care of it. I am afraid I will lose my house over this.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting at the list of accounts, below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. Accounts in question : XXXX XXXX XXXX account # XXXX Some accounts have inconsistencies. section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnishing an account without my written instructions. 15 USC 1681 C ( a ) ( 5 ) section states No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of conviction or crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( A ) ( 1 ) 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 an accurate I am not liable and refuse to pay this debt with XXXX XXXX  XXXX I have no contract with XXXX XXXX XXXX in regards to account # XXXX. The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. I have no contract with XXXX XXXX XXXX, provide me with a signed contract between XXXX XXXX XXXX and I, otherwise remove incorrect information.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a money transfer to someone in XXXX, it was cancelled and I was unaware. I made the transfer in Colorado where I was for work and came back to XXXX where I live. When the order was cancelled I called into customer service where everyone was extremely rude and unhelpful. I was finally able to get someone to help where they stated a check would be sent to me in maximum 2 weeks time with the money. 2 weeks passed and I received nothing so I called back only to get transferred around talking to agents who could not help me or give me more information but Im still out my money. I requested to speak to a supervisor after being transferred for the 5th time and the person was extremely rude. Im not asking for anything I am not owed, I just need my {$600.00} back. The last agent hung up on me. I have never dealt with such terrible service in my life
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a XXXX credit card in XXXX. After contacting the telephone number on the denial letter, I found out that they only use Experian to check credit. Experian doesn't show any credit for me despite being an authorized user on two cards that we use ( I had closed cards that we didn't use and they were in my name ). I contacted Experian and they refuse to do anything. They say it is a fault in the two credit card reporting system and not their system even though they didn't even look at their system. I contacted the credit card companies and they assured me that the information is reported correctly to all three reporting companies. XXXX  and XXXX  have the cards reported correctly. Experian also shows the cards in my wife 's report correctly. I tried opening a XXXX XXXX credit card in XX/XX/XXXX and was denied so we had to open it in my wife 's name. This week I tried to open a XXXX ' credit card and was denied, again because they only use Experian. Because of a fault in Experian, I am being denied credit despite excellent credit for 30 years ( we have had XXXX  since early XXXX  's ). Experian has never once shown credit on my report unless it was opened in my name. I am now forced to open a XXXX  XXXX credit card ( that I don't need ) in my name ( after I finally found one that doesn't use Experian or perhaps uses multiple sources ) and build up credit because I am tired of having to open credit in my wife 's name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX. 

After reviewing my report, I have identified the following errors : The previous address listed at XXXX XXXX XXXX, XXXX, TX XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX XXXX XXXX, XXXX, TX XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( XXXX ) ( A ). 

The previous address listed at XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX XXXX, XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( XXXX ) ( A ). 

The previous address listed at XXXX XXXX XXXX, XXXX XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX, XXXX XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

In addition, I have identified two unauthorized credit inquiries : XXXX XXXX XXXXXXXX XXXX XXXX inquiry date : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately, as required under FCRA 611 ( a ) ( 2 ) ( A ). 

XXXX XXXX XXXX - inquiry date : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately, as required under FCRA 611 ( a ) ( 2 ) ( A ). 

I kindly request that you investigate these errors and remove them from my credit report as soon as possible. I understand that it XXXX take some time to correct these issues, but I would appreciate your prompt attention to this matter, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Dear CFPB, I am writing to report that I am a victim of identity fraud. The following accounts were fraudulently opened in my name without my authorization : radius global XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Bank XXXX XXXX Additionally, the address XXXX XXXX XXXX was fraudulently associated with my identity and does not belong to me. I did not consent to the use of this address or the creation of the above accounts. 

I kindly request an investigation into this matter and assistance in resolving the fraudulent activity. Please let me know if you need further information or documentation to support my case. 

Thank you for your prompt attention to this matter.
Product: Prepaid card

I received a {$100.00} Amex  e-gift card on XX/XX/2023. According to the paperwork that came with the gift card, it can be used to make purchases via XXXX XXXX, or can be used at online retailers. However, I loaded the card to XXXX XXXX and tried to make a purchase, and it was declined. I also tried using the card online at several large well known retailers - XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, etc. and all of my transactions were declined, although I have confirmed the balance on the card is {$100.00} and I was attempting to make much smaller purchases. I spoke with Amex  gift card representatives on the phone who gave me incorrect information, telling me the card could be used at all retailers as long as I provided the expiration date and code. I did so when attempting to make purchases at ALL of these online retailers yet each transaction was denied by Amex! I now have a useless {$100.00} gift card that can not be used ANYWHERE! I also wasted hours of my day today trying calling Amex, speaking to various representatives who were reading from a script. I also researched online and discovered many MANY other people throughout the US are having this exact issue and Amex gift cards can not be used anywhere! What am I supposed to do now?
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report I discovered a loan account that I did not authorize and have zero knowledge of. I do not have a relationship with XXXX XXXX but they have me documented as having acquired a loan in XX/XX/2022 in the amount of {$17000.00}.
Product: Prepaid card

I received an unsolicited debit card from ACE Elite Visa, called the company to inquire about the card and account I didn't open. XXXX says they see the account in my name, but will not allow be to dispute the account. Account and card have not been activated.