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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$890.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a dismissed bankruptcy does not belong to me. I have asked them for a method of verification and all I get is that it was verified through XXXX. I have contacted XXXX myself and I do not have this bankruptcy on my file. I have attached a screenshot of the public records section of my credit report. I have a credit monitoring service through XXXX. And as you can see experian is the only one that is reporting this bankruptcy. It is a fact that bankruptcy stays on A report for 7 to 10 years, it was filed XX/XX/2016 Which means it will still be on my report to this day with XXXX  and XXXX  as well. My question is how is it that XXXX XXXX and XXXX   are not reporting this and they go through XXXX as well To verify information? I truly believe when I dispute this bankruptcy experian is not doing a thorough investigation.
Product: Checking or savings account

I signed up for Citibank Checking and Savings account promotion program. Nowhere in their promotion requirements does it say that it does not apply to Texas. You can see their promotion published here, all it said was that " To enroll in this offer you must apply directly from this page. Citi rates and promotional offers may vary by state. Looks like you're in Texas. '' I even re-selected the state to make sure it does not tell me that Texas is not eligible, but it didn't say anything. Also in their fine prints they did not list the states that were eligible so who would know if they don't qualify? This is scam by misleading people in believing they will would qualify so they will open an account with them. See the advertised deal here, you can see nothing about the states. 

https : //banking.citi.com/cbol/checking-500/default.htm? channel=onsite & promo_ID=WE564683MYCSO5 & rateSheetId= & intc=2~1~54~1~040519~2~Q22019-500Checking~CheckingSpecialOffers1 & ProspectID=BC0BC93F0A5E4B69A1ED463F8ECE1776
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has incorrectly reported three ( 3 ) 90-day late payments on my credit report during a federally mandated suspension of all student loan repayments. When I contacted them to correct this error in their reporting, they refused to correct it. 

According to Section 3513 ( d ) of the CARES Act ( Public Law 116-136 ), federal student loan repayment suspensions were supposed to be reported to consumer reporting agencies positively ( i.e., as if the borrower has been making regular payments. In relevant part subsection ( d ) reads : During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. 

CARES Act suspension of federal student loan repayment was extended until XX/XX/2021. 

XXXX has completely disregarded federal law and has ruined my credit. Given that they have made this fatal error in their reporting, I am respectfully requesting that this error be corrected and XXXX reflect the appropriate positive payment history.
Product: Credit reporting, credit repair services, 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, Account name : 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 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 card

I did not received legible documentation and chase has said they communicated to us and our attorney about the fraud, but they havent. Chase XXXX is lying through documents they have provided about communicating to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint ( s ) is with TransUnion XXXX XXXX XXXX. I have an old account with XXXX ( formerly XXXX XXXX ) that is still on my report, even though I paid the account and the company is now defunct. XXXX reported it as collection, although it was only paid late. Furthermore, this account is OLD and needs to be removed. 

Furthermore, I have accounts from XXXX that are more than 10 years old. My student loans went into default and I was unaware for about 3 months. This was corrected as soon as I was made aware, and the default period is well past the time it should have been removed. 

Additionally, TransUnion consistently reports LOWER scores than XXXX and XXXX either XXXX, by as much as XXXX points. XXXX has ADMITTED to using incorrect calculations on their scoring model, and has agreed to a settlement via class action. If XXXX is reporting higher scores than TransUnion even with miscalculating consumer scores, then it stands to reason that TransUnion is doing the same thing with their scores. However, they deny any wrongdoing. This needs to be addressed and corrected right away. 

Because of TransUnion 's FRAUDULENT scoring model, I was denied credit that I should have received, and am now paying a HIGHER interest rate on my car loan. I feel I deserve sizable monetary compensation from TransUnion for the money they have cost me due to their deliberately INCORRECT scoring models. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information I found on my credit report was a mortgage, two credit cards, and several weeks later a XXXX car. When I saw the information on my credit report and tried to download it, I was unable to obtain it. Experian wanted me to identify myself, but I did take pictures of the information. I filed a police report and added a fraud alert on my credit file. 

When I checked my credit file today the house, car, and credit cards had been removed. This has really made me concerned about the ethics of this company. I do know about their data breach in XXXX now, but was unaware of it until a few days ago. 

Experian has still refused to raise my credit score when they have had a massive data breach in XXXX. I have not been able to obtain and use the credit I earned since someone else stole it and they never informed me five years later!
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, an unauthorized transfer from my active checking account to my share savings account was done for {$100.00}. I called Navy Federal Credit Union on XX/XX/2021, @ XXXX XXXX  CST. I spoke to a very rude representative about the issue and she bluntly stated " You made a transfer for {$100.00} '' I stated that I never made that transfer and when a customer makes a transfer the transaction color font is the color " green ''. When a transfer is made by the bank it's the color " Black ''. The agent rudely stated NFCU can make transfers at any time, and I stated for what cause knowingly the account is current and not on a negative status. I requested a manager and she refused. 
This bank takes customers ' money and moves it around for reason, and declines to explain to why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX  XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Consumer Relations continues to report inaccurate information on my credit file, Account # XXXX, The Statue of Limitations has expired on this account and must be removed from my credit file immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting a duplicate collection on the XXXX partial account number XXXX. ( Please see page 28 of the attached credit report. ) I have contacted the bureaus to correct this, however I have been unsuccessful. This incorrect reporting of a duplicate collection is harming my credit scorXXXX and these line items need to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the following information with XXXX, XXXX, & Transunion and they have yet to respond in the time allowed by the FCRA. Transunion, XXXX, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY CHAP XXXX
Product: Mortgage

In XX/XX/2019 the mortgage on the home owned by both my wife and I was transferred fro XXXX to New Rez also trading as Shellpoint mortgage services LLC. The house is in both our names and the mortgage is paid by each of us paying a portion through our individual bank accounts. We have never had part or all of the mortgage past due let alone close to the expiration of the grace period. Every month The mortgage company applies all or part of our payment to principle only or unapplied funds and sends notice that we are late on our payment. Unfortunately I didn't keep all mortgage statements but have enough to prove our claims of payments being categorized as over due when they are not! I am providing copies of both our bank statements to collaborate this claim.They have charged us late fees and withdrawn them from payments without permission. I have recieved and included 2 letters threatening to report us to the credit bureaus. Our bank statements should no doubt prove we were never late or short ( underpaid ) and this problem stems completely from the company 's inability to apply the two payments properly. When trying to resolve this I have been told that their computer system can't process partial payments. My response to this as I have and continue to believe that this is NOT OUR PROBLEM!!! On every statement there is a message that partial payments are held until the balance is paid, but in all cases this has turned out to be false as both parts of our payment are in their possession before the due date and even recorded on their own statement. I woul d like New Rez to stop applying our payment to principle and or unapplied funds, STOP THREATENING US.< and remove all late charges and other fees that we do not nor have ever owed. I would also like a copy of both my and my wife 's credit report from all credit agencies to prove that all false reports were either never reported or removed. In addition I would like corrected mortgage statements that don't show late charges and other fees. The account # of the mortgage is XXXX. The House is in the Name of XXXX XXXX XXXX and XXXX XXXX and the address is XXXX XXXX XXXX XXXX Maryland XXXX. I would also like to point out that unless it is unlawful to pay our mortgage from 2 accounts we will continue to due so! Both accounts are in the names of the two people listed as the owners. Thank You
Product: Debt collection

this account from XXXX XXXX has been affecting my credit report for years now. ive already attempted to dispute this account because it is not mine. please provide to me account level documentation of said debt. I something with the original contact with my wt signature and all detail proven that I owe this debt. as I mentioned before this about has been drawn to my attention because its not mine. provide me with documentation with 30 days or les that I owe this debt. if this information can not be provided in a timely fashion deleted it from my credit now. 

the credit reporting agencies are violating my rights as a consumer by reporting this most after month after month thats hiring my financial situation right now especially trying to buy a house for me and my family. pursuant to 15 usc 1683e this account is violating my rights under federal law. 


XXXX XXXX has violated 15 usc 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, EXETER FINANCE, is reporting late, yet it is closed and the balance is XXXX as reported. Lets remove this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor remove this complaints.
Product: Debt collection

I have reached out to the company and tell them that my identity was stolen, and some of the charges are not mine They sent me a paper from the XXXX  court of XXXX XXXX Georgia. I have reached out to a credit agency to help me fix my credit which is credit saint and they still havent removed it off my credit I was port of a data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been unable to provide my credit report to its subsidiary, Equifax Mortage Solutions.  This has made it impossible to refinance my mortgage. According to the subdsidiary, Equifax Mortgages Solutions, this is because Equifax has my credit listed in two separate accounts, as if I were two separate people. Both accounts have inaccuracies in my demographics. In a comedy of errors, one has my birth-date off by a single day, one has my maiden name instead of my legal name, and one has my wrong address. However, Equifax Mortgage Solutions is unable to address this issue with Equifax directly. It's truly a comedy of errors. 

My mortgage officer has made multiple " hard pulls '' against my credit and my husband 's credit, each time after Equifax told us they had fixed the issue. Based on the issues we've had, I now suspect Equifax is addressing our complaints with an automated system that is unable to solve it. Which is why I have to reach out to the CFPB. No other credit bureau has had this problem. 

Our summarized contact history : XX/XX/XXXX around XXXX : phone-call and fax XX/XX/XXXX : Fax XX/XX/XXXX : 3 phone-calls around XXXX XX/XX/XXXX : 3 phone-calls around XXXX XX/XX/XXXX : Original phone-call and fax
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX - account reports last payment as both XX/XX/year> and XX/XX/year>. Inaccurate payment dates ( do not match ) on XXXX, it reports as on time payments, but shows as 120+ days late. Inaccurate reporting. Requested to be fixed but only gets updated.
Product: Credit reporting or other personal consumer reports

I sent a letter asking for proof of ownership of the account with XXXX XXXX and they failed to do so. I disputed the ownership of the account with XXXX and they did not verify the account
Product: Credit card or prepaid card

I had a fraudulent charge on my credit card by a gas station in the amount of {$150.00} on  XX/XX/XXXX and a  XXXX  transaction in the amount of {$1000.00} on  XX/XX/XXXX . We had not taken notice of these charges when they occurred and it was brought to my attention when I printed out the annual report for the credit card in late  XX/XX/XXXX . We paid the credit card at the time because we have another credit card with this company and we owed just about the same amount and the confusion of paying this credit card occurred because we thought we were paying the other credit card. I contacted the credit card company and they immediately deactivated my credit card. It took a few weeks before I heard back from them indicating that they were unable to help us out by returning our money because we have had the same address and we received our bill. I told them that we oversaw the charges thinking we were paying our other credit card from them. They just insisted that they could n't help us. They have a whole fraud department and they were not able to help us get our money back???? Are n't they supposed to catch these type of transactions? I contacted the gas station and spoke with t he manager an d she stated that the gas station would red flag any charges above {$300.00} because that exceeds a normal transaction charge. They said they would n't be able to help us out because I was contacting them in  XX/XX/XXXX  and the fraudulent transactions had occurred in  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX is account is closed and 7 years and XXXX months old. Balance is XXXX. No payment history. Why is this still showing on my credit report??? What is this showing the credit report?
Product: Credit reporting or other personal consumer reports

I recently discovered that a fraudulent account was created with capital one about a year ago and i have been requesting for this to be removed off of my credit reports for about a few months now and ive had a hard time i have provided the creditors proof of birthdate from the account as wrong also
Product: Money transfer, virtual currency, or money service

They closed my account for no reason and it still has a balance of {$680.00}. They've given me no information about getting my money back, it seems like they plan on keeping it. Which is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX Balance : {$570.00}
Product: Debt collection

AGS Financial Inc XXXX XXXX XXXX XXXX XXXX  NC XXXX This company has used and sold my personal information for about 10 years. 
This company has put a XXXX debt on my credit report. It has been sold to a company 's different agencies every month. Harrasing phone calls daily have been calling and adding this debt to my credit report. 

This has been disputed with all three credit bureaus for 10 years, and nothing has been deleted. Also, I've never seen any signed agreement with my signature. Credit Bureaus have told me several times that it was deleted, but the debt is still on my credit report, along with phone calls daily. 

This has caused a great deal of pain and unwanted financial stress. 
They are abusing their credit power and causing me consumer stress.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, CA XXXX Employers : XXXX XXXX
Product: Credit reporting

Trans Union is reporting a bad address that I never lived at. The bad address that I never lived at is being reported on my credit file as the following information:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXXPlease Delete as I have never lived there and it is being reported since XX/XX/XXXX and my year born is XX/XX/XXXX which would have made me XXXX years old at the time.
Product: Credit reporting or other personal consumer reports

need all my account with my correct address XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX XXXX 
. 
I try to dispute my address to all credit bureaus.
Product: Debt collection

XXXX XXXX XXXX NO ; XXXX C/O Resurgent Capital Services ;  XXXX XXXX XXXX XXXX SC XXXX ; this was sold to the collection company from XXXX XXXX XXXX, and I received notification from all 3 Credit Bureaus that XXXX XXXX XXXX was Deleted from my credit, and this is the only one that is showing up on my report would like this Deleted from my credit as well
Product: Bank account or service

XXXX took funds from my account in the amount of {$2700.00} for a business not related to me in any way. Nor did I authorize the transaction. The funds were taken from my Capital One 360 Account
Product: Credit reporting or other personal consumer reports

I have found fraudulent inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX