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

This is XXXX XXXX, and I am submitting this complaint to inform the Credit Bureuas that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax, XXXX, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX  XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XX/XX/XXXX 18. XXXX XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX XX/XX/XXXX 21. XXXX XX/XX/XXXX 22. XXXX XX/XX/XXXX 23. XXXX XX/XX/XXXX 24. XXXX XXXX XX/XX/XXXX 25. XXXX XX/XX/XXXX 26. XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in XX/XX/XXXX I sent request to XXXX for investigation of XXXX reporting on my report. XXXX sent response file no XXXX which says VERIFIED AS ACCURATE. I submitted another dispute on XXXX XXXX. Received confirmation of receipt from postal service XX/XX/XXXX. Letter dated XX/XX/XXXX received from XXXX stating request received with my information such as drivers license and ssn card but it wasnt sent from me or an authorized third party. They didn't process. I called on XX/XX/XXXX to tell them I a natural person did send letter. Spoke with XXXX who identify self as XXXX. After verifying it was indeed a real person, she proceeded to get me to give dispute details to process over phone or direct me to upload on website. She stated did not have 2nd request to remove unverified account. This document that was sent a few weeks ago but not in their possession. How should we believe they handle any consumers file properly. This is a violation of Fair Credit Debt Practicing Act.

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they MUST remove said information from the consumer file.

The U.S. Bankruptcy courts in this case would in fact be the ORIGINAL CREDITOR. A The bankruptcy courts respond back with a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 

Third party XXXX XXXX has provided documentation that it could not validate this public record information. As it is the credit reporting agencies, and or other third-party providers who collect information regarding public cases from public records. Public records information is never validated by the Recorder of Deeds nor the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

XXXX is BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation 15 USC 1681a ( e ). An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

You are violating 15 1681b ( a ) ( 2 ) considering you do not have my consent to furnish any information.

Per 15 USC 1681c ( a ) bankruptcy information is excluded from the consumers report. 

XXXX fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family
Product: Student loan

I've been trying to get in contact with Aidvantage because I shouldn't have to make payments on my loan while I am in school. This was assured to me by the Financial Aid department at XXXX XXXX XXXX. I am currently taking over 6 credit hours of classes and so not only should I not be accruing interest on my loans but also I shouldn't be getting notified to pay them until I've been out of schooling for 6 months. I did not take any summer classes as those aren't fully covered by student loans. 

I attempted to call Aidvantage today in order to settle this only to be put on hold by a machine for an hour only to be hung up on, but also when I tried calling back they didn't answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Debt collection

I am the holder of a credit card that was issued by Wells Fargo. Upon becoming learnt in the law and the rights afforded to me as a consumer I realize that there is a high possibility that there is a breach of contract/agreement. On XX/XX/2019 I sent by certified mail a billing error dispute ( affidavit ) which I have proof of delivery through my return receipt. Wells Fargo did not provide response of evidential value to my billing error dispute nor any of the other affidavits that I had sent by certified mail. Please see copies of all correspondence that was sent to Wells Fargo. Am requesting you assistance in clearing up false information on my credit report.
Product: Credit card or prepaid card

OnXX/XX/2019 my bill did not go through BANK OF AMERICA - account with 1 missed payment. I am kindly requesting BANK OF AMERICA to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Debt collection

I do not owe this rental debt please help as I am homeless right now because of it and not able to get any type of living assistance or help bc of this rental debt I do not owe
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX Account Number : XXXX Experian : XXXX XXXXr XXXXdismissed Case Number : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX XXXX  dismissed Case Number : XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/year> XXXX  XXXX Account Number : XXXX
Product: Mortgage

The HEL is under my mother - in- law 's name XXXX XXXX Acct # XXXX who passed away in XX/XX/XXXX. My wife ( XXXX ) and I are executers of her estate. We visited the BB & T XXXX XXXX on XXXX XXXX on Saturday XX/XX/XXXX ( I think it was this date ) the Rep took all of our information including the death certificate and the paper from the XXXX County Courts show XXXX and myself as executors of the estate, we also closed the checking account. We were told that this would be taken care of and someone would give us a call, had never received a call back. I called again on XX/XX/XXXX and spoke with XXXX who said she had to send this in for research, still I have not heard anything. I called again on XX/XX/XXXX and spoke with, I think XXXX, who said that my wife and I were only attorney in facts on the account. This was not true since we gave all the paperwork showing that we were executor of the estate to the Branch employee. So it have been over a month and the HEL has not been closed and we have a negative balance of {$81.00} which is due to my mother - in - law 's estate. Can you please help get this HEL canceled so we can finally close her estate out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Experian was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned item for it was found erroneous and unauthorized. 
XXXX XXXX Balance : {$0.00}
Product: Credit card

Multiple credit cards were opened up and purchases were made with credit cards in my name that are fraudulent and not made by me. 
I have contacted Macys/Citi Bank multiple times and they have incorrect information and are reporting incorrectly on my credit report. They have an account and credit card opened up in a name that is NOT MY LEGAL GOVERNMENT NAME
Product: Debt collection

I have gotten harassing phone calls for the last two weeks regarding a supposed debt that I have with  XXXX   XXXX , this was resolved with  XXXX   XXXX  approximately  XXXX  years ago. Now myself as well as family members, are receiving harassing phone calls and voicemails regarding this supposed debt. The supposed law firm that keeps calling is  XXXX  and  XXXX  in  XXXX  California. The gentleman told me that this is an amount of {$1700.00}. They told me that they sent a letter to my home address ( of which I never received ), and now are going to garnish my wages through my employer. The phone number they told me to call is  XXXX . The reference number I have been given is  XXXX . I want to get this resolved, however I do no owe this money.
Product: Credit card or prepaid card

I tried to dispute {$470.00XXXX XXXX  I put my dispute in on XX/XX/22 I gave them a copy of my police report 2 weeks ago I call today and was told know one did the work to reopening it so we can do it now I told him it have been 2 weeks I need my money now he told it will be up to 90 days I told him I never had XXXX  they are not to give my money back I hope you can help me my card from chime no one will not give me the corporate phone number
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I had an issue with this mortgage company reporting my account as delinquent. I tried both times to reach out to XXXX XXXX and neither time have they made an effort to resolve the issue. The first time, they took over my mortgage from another lending company that sent them my payment that was already made to previous servicing lender. The payment was sent over to XXXX XXXX after 30 days and I tried to explain to XXXX XXXX the payment was made and previous lender advised me not to make double payment and they reported my account past due to credit bureau. Recently, I have never been 30 days past due with XXXX XXXX and thought payment was made and when I realized it wasn't I submitted payment immediately which was XX/XX/XXXX and XXXX reported me as delinquent. When I called to resolve to have it taken off in good faith they declined to offer any help. I am great at paying my bills. Their reporting caused my XXXX credit score to drop XXXX points. Account is current. I believe XXXX XXXX should be more fair to consumers in regards to financial reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

TD bank has double posted hundreds of dollars on my account leaving me with a negative balance. They are saying it is due to a system glitch and there is nothing they can do until it is corrected during overnight processing. I have spoken to reps and supervisors. Supervisors didnt even know who they were regulated by- so sad! Completely unfair and deceptive practices and to think this is happening in 2020! So now I am at their mercy for when I will have access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with " MOR furniture for less '' that was paid off in full in XXXX. The payment posted to the account on XX/XX/XX/XX/XXXX and the account now has aXX/XX/XXXX balance. As of XX/XX/ MOR is still reporting a balance of {$3200.00} owed to all three credit bureaus. The account is PAID OFF, and has a {$0.00} balance. I have attempted to contact them to get them to report the accurate account balance to all three bureaus but have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is saying that I owe on a loan that I never took out this loan was opened when I was overseas on a missionary trip for over a year I never signed or opened a loan at XXXX XXXX XXXX XXXX can not produce a paper showing my signature I have asked for it numerous times I am in the process of getting a lawyer and a lie detector test to prove that this is not my loan I will be taking XXXX XXXX to court and Sue them for my lawyer fees and my light detector test XXXX XXXX has not believe me I have tried to tell them numerous times that this was not my loanthe only way I know to prove this is to get a lie detector test and make XXXX XXXX pay for it to prove I never opened this loan this is not my loanI need this removed from my credit reports today or I will be filing a lawsuit in which XXXX XXXX will have to pay my lawyer fees and for the lie detector test result I present in court
Product: Credit reporting, credit repair services, or other personal consumer reports

Furtherance to my complaint ( Complaint ID XXXX ) that I submitted on XX/XX/2022 against XXXX XXXX XXXX  XXXX ( XXXX  ), and the response from XXXX  dated XX/XX/2022, it was expected my Mortgage account and payments will be accurately updated with Credit Report Bureaus. Also, that XXXX XXXX XXXX will be more transparent. 
For the very first time, I noticed a new charge of XXXX ( {$15.00} ) called " XXXX XXXX '' on my Mortgage XXXX that was due on XX/XX/2022. As a result, I made frantic efforts to speak with a XXXX representative to explain the reason for the new charge. It is on record that the XXXX representative feign ignorance of the new charge and promised to get back to me when she is able to know the new reason for such a charge. Since XX/XX/2022 till date, no person from XXXX XXXX XXXX has ever called me on the phone or written to me on why such a charge of XXXX ( {$15.00} ) called " Corporate Advance ''. All subsequent Mortgage Statements since XX/XX/2022 include the " Corporate Advance '' charge of {$15.00}. However, I have made it a conscious decision since XX/XX/2022 not to include the " Corporate Advance '' {$15.00} charge in my monthly Mortgage payments, because the XXXX XXXX XXXX  ' staff that I had to opportunity to once make an inquiry from could not provide a reason for such a charge. 
In XX/XX/2022, I noticed that All Three Credit Reporting Bureaus had entry for my Mortgage payments for the months of XXXX and XXXX, and when I spoke to XXXX of the Credit Reporting Bureaus, I was told that my Mortgage Company has reported " Nothing '' for the months of XXXX and XXXX in 2022. Even my most recent Credit Report from all three Credit Reporting Bureaus still shows no payments for the months of XXXX and XXXX in 2022. 
In addition, I have noticed on the last Mortgage Statement for the Year ending 2022 that the " Paid Year-To-Date '' Principal ( {$10000.00} ) ; Interest ( {$15000.00} ) ; and Escrow ( {$8400.00} ) as reported by XXXX  are all less than the calculated amounts that I actually paid. 
I have attached to this complaint, the different Mortgage Statements received in year 2022, Bank Print-Out showing Payments received by XXXX XXXX XXXX, relevant pages of my Credit Report from XXXX, XXXX, and Equifax showing XXXX entry of payments as reported by XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off loan with company in XX/XX/2020. 
Despite me contacting through multiple platforms continues to report inaccurate information to credit report. Has cost me several mortgage opportunity as they continue to report that I owe almost full balance on this account and that it is still opened to all three major credit agencies.
Product: Credit reporting or other personal consumer reports

Statement : I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.
Product: Checking or savings account

Opened account on XX/XX/2018. Bank offered {$300.00} bonus for opening account and depositing within 30 days {$15000.00} ( satisfied terms on XX/XX/2018 ) and maintaining balance of same for 60 days ( satisfied terms on XX/XX/2018 ). Bonus has not been paid to date. 

In addition, attempted to draw check on the account in the amount of {$5000.00} on XX/XX/18 and depositing institution reversed the check on grounds the account on which the check was being drawn was frozen ( I have never asked for the account to be frozen or placed on hold ).
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number : XXXX Account Name : XXXX Account Number : XXXX According to 1

5 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Student loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 dates late as of XX/XX/2018, 120 dates late as of XX/XX/2018, 150 dates late as of XX/XX/2018, 180 dates late as of XX/XX/2018, 180 dates late as of XX/XX/2018, 180 dates late as of XX/XX/2018, 180 dates late as of XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I did not worry about making a payment when i was not receiving statements because I thought that loans were in deferment.
Product: Credit card or prepaid card

Freud, I XXXX XXXX am a victim of identity theft from what I know since XX/XX/XXXX there has been many soft inquiries that were not made by me up to and possibly further of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Basis for dispute : Account Name : XXXX XXXX, Account Number : XXXX **Inaccuracy of information. The Account information reported is incorrect. 
Date of Last Activity : Different dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ). Date Opened : XXXX shows XX/XX/XXXX and Experian and XXXX show XX/XX/XXXX, Closed date : Only reported for XXXX and Two-Year Payment History : Significant discrepancies in payment history. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Family members tried to physically injure me XXXX mortgage loan Vehicle loan Idenity /social Email/XXXX Child support Student loans