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

This account is not mine, some used my information without my knowledge to initiate this account. I have applied for credit and employment and have been denied due to this fraudulent account. I have tried to work with each bureau to resolve this issue to no avail, limited correspondence and not in a timely manner.
Product: Checking or savings account

On XX/XX/18 I mailed a {$40.00} check to my sister, XXXX XXXX which she never received. I did not put a stop payment on the check as she is my sister. On XX/XX/18 I noticed the check cleared my M & T Bank checking account. I checked with XXXX XXXX and she had still not received the check. When I printed a copy of the check it was signed by XXXX XXXX, an individual unknown to XXXX XXXX or myself. On XX/XX/18 I filed a fraud dispute with my bank ( M & T Bank ) for a check that was false cashed by XXXX XXXX XXXX. I was advised it could take up to 60 days and later told up to 120 days, I have been told repeatedly by M & T Bank that they are waiting on XXXX XXXX XXXX to respond to their request. It has been over 6 months and no response.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following AccountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 Section A explicitly states that authorized users are not responsible for the debts of other users on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

For a year now I've tried to get my credit where it should be. Due to 1. Wrong accounts. - not my bill. I've talked to the company 's myself and the 3 credit bureaus ( TRANSUNION. XXXX XXXX ) WELL ON XX/XX/XXXX I check my credit to see if anything had been resolved. Well my score on XXXX   went up 102pts. Everything was mine. It was perfect. Not in credit score but it was true. Chrck it the next week to see if tge OTHER 2 got tge memo. Oh no and XXXX put everything back on it and put a hard inquari on it on a day that I call to talk yo them. My score that went up 102 dropped 192pts. So it cost me 90pts to call XXXX about my credit? Now XXXX  has taken everything off my report idk why and I have a XXXX!!!! A XXXX!!!! TRANSUNION has helped with some if the wrong info off their report. I've got a XXXX. I should be around a 698. But they are working on it. XXXX don't give a XXXX  they got all my info wrong STILL and don't care. So get this here 's my scores. XXXX!! I'm tired of these companies dictating my life. My condo has black mold in it we just found out. I've been very sick for months. I need to move and can't because of companies XXXX  with my life. I don't have a lot of credit period. And what marks are mine I admit to. But it tell you what I will not let them play with my life and now health anymore. They have a month to get it fixed. It might cost me for the rest of my life but if it's happening to me it's happening to others. Oh and great XXXX  who are acting like babies giving me a XXXX. They got breached and my info and license numbers was hacked. I have like 20 hard inquiries that aren't mine. And XXXX well well well I've cancelled my app subscription and they still try to take it out of my account daily!! I need some help quick! My family should not have to suffer for these companies Lies and laziness
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to dispute each C.B about removing all late payments because of consolidation to my student loans but thry wont update it. I dont want the loans removed but to update the late payments to all current.
Product: Credit reporting or other personal consumer reports

-- - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX **Subject : Request for Removal of Incorrect Phone Number from Credit Report** Dear Sir/Madam, I am writing to formally request the removal of invalid phone numbers that appears on my credit report. The details of my request are as follows : Name : XXXX XXXX XXXX Social Security Number ( last XXXX digits ) : XXXX Date of Birth : XX/XX/XXXX Phone Number ( s ) to be Removed : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction or removal of inaccurate information on my credit report. The phone number mentioned above is incorrect and should not be associated with my credit profile. 

I kindly ask that you investigate this matter and update my credit file accordingly. Please remove the erroneous phone number from my report and send me a corrected copy once the changes have been made. 

I have attached a copy of my identification ( State ID ) and a bank statement to verify my identity and address. 

Thank you for your prompt attention to this matter. I expect that the inaccurate information will be investigated and corrected within the timeframe required by law. 

Sincerely, XXXX XXXX XXXX **Attachments : ** - Copy of ID - Proof of Address -- -
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 





Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



there is some inaccurate information reporting there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 


there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 



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 Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : These inquiries are fraudulent and do not belong to me. 

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

I have sent multiple letters about the inaccurate information reporting on my credit profile after pulling it to review alerts I've received from credit monitoring. I've researched on the company site on how to dispute the information and I followed the process. The inaccurate information has not been removed, I have not been responded to, and I sent letters over XXXXdays ago. I am now demanding that this is made a priority on getting this inaccurate information removed from my credit profile.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed XXXX accounts that was not reporting accurately. I had XXXX late payment on XXXX of my accounts that I was in fact paid on time. The consumer reporting agencies have and need to report all information with complete accuracy.these account has not been late on payments.Ive attached a copy of my credit report to this complaint on the following dates XX/XX/2023 and XXXX XXXXIm now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified. I demand these payments to be updated as paid on time immediately. Thank you for your understanding and prompt action
Product: Checking or savings account

after filing my initial claim Citi bank close day account within XXXX hours of you sending them my complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I disputed an account with balance of {$3500.00} account number XXXX held by XXXX XXXX XXXX XXXX XXXX The original creditor was XXXX. 

No proof of this debt was provided, and thus they were required to remove the debt and stop reporting it. 

The debt was originally removed from my XXXX account but continued to show on the others, which should not have been allowed As of XX/XX/2020 I again disputed a charge from original creditor XXXX, currently owned by XXXX XXXX XXXX, account number XXXX with a balance of {$3500.00} ( XXXX dollar less no less, so reporting inaccurate amounts where they clearly dont have any idea what this debt is ) I have multiple items from XXXX on my credit report and no creditor should be allowed to report this on my credit as the debt was not verified, and I was never informed that debt was sold again. 

Please have this removed from all reporting locations and block them from illegally putting this on my credit again
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reports a hard inquiry on my report from XXXX XXXX XXXX XXXX, XXXX.-MT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX on XX/XX/2019 I did not authorize this inquiry. Equifax has not removed this from my report. I have attempted to contact XXXX XXXX XXXX and they say they have no record of this under my name. Multiple attempts with Equifax have not resolved this.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased supplies for my business from XXXX XXXX for {$39000.00}, the supplies were picked up the same day from the merchant in XXXX, CA. On XX/XX/XXXX I was notified via email that there was a recall of the product by the manufacturer. On XX/XX/XXXX, the merchant picked up the supplies and issued me a receipt for the return and a letter stating I would receive credit back with 24-48 hours. I never received the refund after multiple attempts to contact the merchant with no response. On XX/XX/XXXX I contacted American Express to explain the situation, they entered a claim on my behalf and did not ask for any supporting documentation. On XX/XX/XXXX I received notification from American Express stating that my claim was denied because " they did not believe goods were exchanged ''. I was shocked, I called them and no one could explain to me why this decision was made, but I was told they could redispute the transaction and I could attach supporting documentation if I had it. At that point I provided them with the purchase receipt, the recall notice, the letter stating I was due a refund from the company and all of the email correspondence with the merchant. Within 48 hours, American Express again denied my claim for the exact same reason. Again I contacted them to ask why they " did not believe goods were exchanged '' to only be told they could not give me any additional information but I could redispute for a third time to have someone review again, I agreed. Again with 2-3 days I received the exact same denial letter. When calling back for the 3rd time I was now told there was nothing they could do because I had already disputed the transaction 3 times and I would have to take it up with the merchant. I think this behavior is extremely predatory against the consumer, deny their claim and trick them into agreeing to redispute until they can not do it anymore and also don't tell them what you need as far as documentation and also don't tell them how they came to that conclusion. It just seems completely deceptive and unfair and what UDAAP was meant to protect against. I have been a customer since XXXX and I have never had an issue but I truly feel that American Express is not doing their job to protect me as a customer. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and I noticed several inaccuracies in regards to my personal information. I mailed a letter addressing the inaccurate information this past Wednesday, XX/XX/2023 certified mail. I'm submitting this complaint simply as reassurance that it get corrected. You can find the letter attached within.
Product: Debt collection

On XX/XX/2023, I discovered that Portfolio Recovery Associates has placed a bank levy on my accounts by way of XXXX XXXX XXXX. I was never notified of a lawsuit from this company and have no knowledge of any contractual or legal obligation to them. I have disputed this debt accusation and notified them in writing via certified mail. Portfolio Recovery Associates has brought claim against me without properly notifying me of a lawsuit and has caused a disruption in my financial life.
Product: Mortgage

My loan was originally with XXXX XXXX XXXX. They sold to XXXX XXXX who in turn sold to Fay Service in XX/XX/2018. This year I was notified by Fay Servicing that my escrow account was short and I would be getting charged approximately {$150.00} more a month. I was also told I would be getting additional charges for lapse in coverage for insurance that was lender placed. 
According to Fay servicing, I had lapse in coverage in XX/XX/2018 to XX/XX/2018. At this time my loan was serviced by XXXX. They also told me my escrow account was transferred with negative balance. I have requested information from XXXX XXXX and they have advised that I need to speak to current servicer since my account is closed. I spoke with my account manager who was going to look into the issue and then when I called again to follow up I was advised that she no longer handled my account and I had new account manager. I have made numerous attempts, via phone and email to get full accounting of my escrow account. To date, only info I have is projected and what they claim was transferred. I also requested explanation how they can charge me for insurance lapse in coverage when loan was serviced with another company. I also paid previous servicer for lender placed insurance. There should be some refund if I insurance was not paid. This year I was billed for lender placed insurance but have my own insurance placed and still waiting for accounting of that insurance cancelled and new insurance billed. My online account does not give me full statement. My payment went from {$640.00} in XXXX to {$790.00} in XXXX. I am getting no answers from either XXXX financing or Fay Servicing. 
Original email sent on XXXX to Fay Servicing. Follow up on XXXX, XXXX, XXXX. Email sent to XXXX for help on XXXX. All emails also followed up with phone Calls. I did speak with XXXX XXXX at Fay Servicing and she never got back to me other than mailing me projected escrow. 

Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attention Experian : I have recently pulled and reviewed a copy of my consumer report. It has come to my attention that my personal information has information on my consumer report that does not belong to me, there are employers on my consumer report that are not mine and inquiries that I do not recognize. If you would please be so kind as to delete this inaccurate information from my credit profile within the next 10 days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away according to the Fair Credit Reporting Act which shows you are required to be provided with my written consent in order to report accurate information on my consumer report.

Please see below : My current addresses are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY that shows my written consent to retain much less report without infringing my consumer rights.

US Postal Service per the Fair Credit Reporting Act.

Instructions : Immediately delete these addresses below because your agecy has illegally mixed or merged someone else 's address and other personal information in my credit report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identity theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY with my written consent to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY with my written consent to retain much less report without infringing my consumer rights. Instructions : Immediately delete these employers because your agency has illegally mixed or merged someone else`s employer information : - XXXX XXXX XXXX XXXX XXXX XXXX : Immediately delete the inquiries below because I do not recognize any of the below inquiries nor any of these creditors has obtained my written consent to pull my consumer report according to the Fair Credit Reporting Act : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

I had fraud on a XXXX XXXX credit card and i reported the fraud in the begging of the year, XXXX XXXX canceled my credit card accepted the fraud claim and i destroyed the new card that was sent to me in the mail. 

The account has had no new activity but somehow they ( XXXX XXXX ) decided to put back some of the fraudulent charges back on my credit card and so the automatic payment didnt go through because the account has been dormant for so long, i dont have access to the connected bank account that was on the automatic payment so in short the payment was rejected and considered late as soon as i found out about this i corrected it and informed XXXX XXXX and they credited back the late fees but now i have a late reported payment on my credit reports with all three agencies please remove this late payment as it was never late it was fraudulent activity and still it was never late anyways.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Bankruptcy Case Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy FST PREMIER Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

17. The inquiry was not authorized XXXXI Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Company is willing to try to correct they know they are at fault but I want my credit froze
Product: Debt collection

No Medical debt under XXXX dollars should be reported on credit file starting XX/XX/2023, they submitted a claim of XXXX on my credit file and dropped my points XXXX.