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

On XX/XX/2021 & XX/XX/2021 inquires for a loan was pulled on my credit fraudulently with XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone XXXX. 

On XX/XX/2021, XXXX Bank was phoned and notified via email that I did not submit this application and it was identity theft. 

On XX/XX/2021, I placed a credit fraud alert and freeze was put on my account with credit bureau, TransUnion. TransUnion notified XXXX  and XXXX with the help of XXXXXXXX XXXX  Customer Service XXXXenter ( they were excellent ). 

On XX/XX/2021 an XXXX report was filled out and on XX/XX/2021 it was emailed to XXXX 's identity theft fraud department. 

A response on XX/XX/2021 was given that XXXXXXXX XXXX XXXX funded the account and they needed their own " Identity Theft Victim 's Complaint and Affidavit '' submitted. XXXX was well aware that this account was opened with stolen identity and funded it anyways. 

On XX/XX/2021 the required form was submitted and a police report was filed with local police agency. XXXX still has not responded. 

Several inquires of fraudulent accounts attempted to be opened with several banks and agencies that did not fund the accounts as the phone number and email address did not seem legitimate ; XXXXXXXX XXXX did anyways.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Complaint Against Equifax for Reporting Inaccurate and Outdated Information Dear Sir/Madam, I am writing to formally lodge a complaint against Equifax, a consumer reporting agency, for their failure to accurately report information on my credit report and for not addressing my dispute in a timely manner, as mandated by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

For over three years, Equifax has been reporting inaccurate information on my credit report, which has not only negatively impacted my credit score but has also limited my financial opportunities. Under 1681i, I have the right to dispute any inaccurate information, and the agency is required to conduct a reasonable reinvestigation free of charge within 30 days of receiving my dispute. 

I have previously notified Equifax of this disputed information and provided supporting documentation to substantiate my claim ; however, they have failed to rectify the inaccuracies or provide a satisfactory response. Additionally, I have faxed all relevant supporting documents to the Attorney General 's office in XXXX, GA, for review. 

This ongoing issue has violated my rights to privacy and has caused significant distress. I request your assistance in investigating this matter further and holding Equifax accountable for their non-compliance with federal regulations. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

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

Beginning in XX/XX/2021, I disputed this account with both the Credit Reprting Agencues and the collection compoany. I still have not recieved any replues. I have since noticed that it is now listed on one of my reoirts as 120 days late, although my " Settlement Offer '' was never accepted by the collection company.
Product: Credit reporting or other personal consumer reports

XXXX furnished INACCURATE & INCOMPLETE information to the credit bureaus. I sued them under California 's Civil Code 1785.25 ( a ), and demanded recovery under CA Civil Code 1785.31 ( a ) ( 2 ). XXXX not only ignored that, but also, while the litigation is pending, CONTINUED TO FURNISH INACCURATE AND INCOMPLETE INFORMATION, and adamantly REUSED to add the consumer 's statements, which accurately outlined the information about the lawsuit ( XXXX has a law firm defending XXXX on the case who never responds, and never does anything.
Product: Credit reporting or other personal consumer reports

Misleading information with transunion XXXX, XXXX and XXXX XXXX XXXX credit balance is incorrect utilization rate s incorrect a 5 year medical bill, late payment correction, XXXX XXXX XXXX XXXX payment is adjusted and current
Product: Credit reporting

TransUnion is reporting XXXX XXXX XXXX XXXX on my credit report and the account is being reported inaccurately. I 'm a victim of identity theft and they make me speak to a special department whereas they do n't take the time out to investigate the information that 's provided to them. I was told by XXXX that I have a mix file with a person that has a similar name as mine or address, they found it was n't mine and removed the negative account from my profile.This company also tells XXXX that it was included in a bankruptcy but I never filed a bankruptcy. Every time I try to explain this to TransUnion I get push back stating that it 's verified. The million dollar question is how are they verifying it with you as they 're stating with another bureau that it 's XXXX balance and is in a bankruptcy that does n't exist. Please find I 'm enclosing evidence that supports my claim.
Product: Payday loan, title loan, personal loan, or advance loan

I financed a roof through foundation finance and the monthly payment changes every month. Its not the same and its on a fixed interest rate the payment shouldnt vary from month to month. 
The principal payment varies as well from month to month. 
I have requested that my account be audited because of discrepancies with their loan practices.
Product: Checking or savings account

I recently filed a complaint regarding the actions of Key Bank and I am not satisfied with the results. Key Bank refuses to take responsibility and the actions are unlawful. See my original complaint below. I am submitting it again. 

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT A person unknown to me tried to scam me via XXXX. They texted and left voicemails stating they deposited money in my account could I send them the money back. this was Sat XX/XX/2021. I didn't respond so the messages became nasty and threatening to 'charge ' me with bank fraud. I checked my account and there was a pending deposit of {$160.00}. I use XXXX and have never had it pend ; it's an immediate deposit. I checked my account again Monday afternoon XXXX est and the deposit was still pending. I called the local XXXX XXXX location in Colorado and verified the person didn't actually send the money and could cancel the deposit at any time. He agreed this is a scam. If I sent them the money, they could cancel that deposit at any time and I would be out {$160.00}. And with XXXX there is no recourse once you click that final submit button ... which they did not. I reported the two numbers they were contacting me from with FBI, CO & TX fraud departments. I texted them and let them know I reported their scam. Later on XX/XX/XXXX, a deposit was made to my account, assuming to cover their attempted scam.. they continued to contact and threaten me. then on XX/XX/XXXX, I received a letter from Key Bank stating they returned the money to this person due to the XXXX transaction could not be completed. Not sure what that means. I called Key bank and got the runaround. I spoke to numerous people in their fraud detection and fraud reporting departments. they said it was a bank-to-bank decision. XXXX XXXX called Key Bank on behalf of this scammer, and they decided to send this person the money from my account. NO ONE contacted me. No one looked at the notes on the account regarding the scam. The last person, I spoke with, XXXX, said there was nothing she could do and that was that. She was rude and disrespectful as if I did something wrong. What they did, Key Bank was criminal... I did not authorize them to take money from my account. I know the XXXX policy at XXXX and XXXX XXXX, I downloaded and read both, they had no right to touch the money in my account. They committed a crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went and checked my credit and someone has been using my credit with credit cards and loans
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Innovis, They refuse to mail a report to me because of my current mailing address in XXXX. Also told me they can NOT generate a security freeze. - Again because of my mailing address. Even their web site is off-limits to me because of my IP number. 
Using a dead address in the USA leaves me open to ID Fraud with little recourse or knowledge. Failed to accept any Korean proof of address including Social Security 1099. 


I have a suspected compromised Debit Card and need all XXXX agencies to freeze my account. With at least XXXX other companies releasing unauthorized data about me, I need to freeze my account. I have the other XXXX credit bureaus agreeing to this, but NOT Innovis. 

Please stop this form of discrimination against XXXX XXXX!
Product: Vehicle loan or lease

Wells Fargo Bank , N.A . ( Auto Lending Division ) has failed to lawfully validate an alleged charged-off auto loan account after a formal written debt validation demand was sent under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Specifically, Wells Fargo has failed to provide : A wet-ink signed original retail installment contract bearing my physical signature ; The full name, official title, and company affiliation of each individual who executed or authorized the original agreement or subsequent assignments ; Individual notarization verifying the authenticity of all signatures tied to the creation, endorsement, assignment, or transfer of the loan ; Proof of full chain of ownership and custody with notarized assignments ; A complete and itemized payment ledger from inception through charge-off ; Proof of legal authority to collect or enforce the alleged debt in the State of Georgia. 

Despite this failure to provide lawful validation, Wells Fargo continues to report negative information to consumer reporting agencies and maintain a past-due balance, constituting ongoing violations of the FDCPA and FCRA. 

I respectfully request supervisory escalation and regulatory enforcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home upon doing so I had XXXX hard inquires.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispure inaccurate information on my credit report. The details are as follows : pursuant to section 15 U.S.C 1681i of the Fair Credit Reporting Act. 

Account Name : 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 reporting or other personal consumer reports

I am a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : Account Name : XXXX SC Account Number : XXXX Balance : {$0.00} Open date : XX/XX/XXXX Account Name : XXXX CREDIT Account Number : XXXX Balance : {$46000.00} Open date : XX/XX/XXXX Account Name : XXXX CARD Account Number : XXXX Balance : {$1700.00} Open date : XX/XX/XXXX Account Name : THE BUREAUS Account Number : XXXX Balance : {$1500.00} Open date : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Open date : XX/XX/XXXX INQUIRIES : XXXX on XX/XX/XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX In accordance with section XXXX of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within XXXX business days. Please notify me of the actions taken in response to this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$0.00} XX/XX/XXXX XXXX  XXXX XXXX {$94.00} XX/XX/XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX  XXXX XXXX {$620.00} XX/XX/XXXX XXXX  XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX {$640.00} XX/XX/XXXX
Product: Debt collection

This was a charge off from an old debt that midland credit purchased for Pennies on the dollar. They have been sending threatening letters stating that they will take me to court. On XX/XX/2022 I received a final notice stating that failure to reply will result in attorney review. Ive started the process of getting in touch with a public defender in my state but also know that this company has been taken to court many times due to violating the fair debt collections act. I also have paid some of this amount owed when they sent me a legal notice the first time about 2 years ago and have noticed that any past payments made are not reflected on my account. As this was a charge off many years ago and was reflected on my credit report I do not believe I owe midland credit any money as they purchased this old debt on their own will.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 reporting or other personal consumer reports

UPON ME REVIEWING MY CREDIT REPORT, NOTICE ACCOUNT THAT WAS FRADULENT
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX, I discovered discrepancies in the following account ( XXXX ) : XXXX XXXX  - ACCOUNT # XXXX XXXX XXXX  -ACCOUNT # XXXX XXXX XXXX XXXX -ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -ACCOUNT # XXXX Disputed Information : I have identified the following discrepancies that require immediate investigation and correction SOME OF THEM EXAMPLE : Open Date Inconsistency : Your records show the account was opened on XX/XX/XXXX, while XXXX reports XX/XX/XXXX. Please confirm and correct the account 's open date. 
High Credit Inaccuracy : Your records indicate a high credit amount of {$0.00}, which conflicts with the accurate amount of {$570.00} reported by other credit bureaus. 
Last Reported Date : The last reported date listed as XX/XX/XXXX is inconsistent with other bureaus. Please verify and update this to align with accurate reporting. 
Credit Limit Discrepancy : Your records indicate a credit limit of {$0.00}, but the original creditor provided a limit of {$400.00}. 
Date Last Active : Your records list XX/XX/XXXX as the date last active, which conflicts with other reports. This needs to be verified and updated. 
Account Comments : Your comments mention, " Customer disputed account reported by subscriber, '' but no resolution has been provided to date. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau XXXX XXXX has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of XXXX  days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX as well as XXXX XXXX loan are all reporting as late payments each month even though accounts are charged off. 

This is resulting in credit to report most recent missed payments as XXXX  months ago. 

This is factually incorrect and a violation of FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Child support is refusing to report correct amounts paid toward the obligation. As well as reporting false information about the amount owed. Child support has been taken out of every check ive recieved for over 8 years. I ask that these be removed from my credit report with all three credit agencies in accordance with 15 U.S Code 1692 e. I want my credit score to reflect the changes made thank you for hearing my story. Below are documents from agencies i have done work for this year, but Pleas Note : this has been happening for 8 years now and a timely solution to this problem is paramount.
Product: Credit reporting or other personal consumer reports

There has been so much going on in my life and the stress that these inaccurate information and accounts that are giving me is immense. I can not get as much opportunities as I used to and it's causing me mental stress.
Product: Debt collection

Spire Recovery Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX. Requested verification/validation of debt on XX/XX/2024 via companies online portal. 
XXXX. Received email on XX/XX/2024 stating information would be mailed to my home. 
XXXX. Contacted by XXXX who left a voicemail on XX/XX/2024 via telephone about the debt despite still not receiving verification/validation. 
XXXX. On XX/XX/2024 received via email " Settlement Offer '' from company despite still not receiving verification/validation of debt. 
XXXX. I responded to email stating as I had still not received verification/validation of the debt they were in violation of Fair Debt Collection Practices Act. 
XXXX. They responded via email that I had not provided information to them which is incorrect. 
XXXX. Shortly thereafter on XX/XX/2024, I received an email with a purported " Validation '' pdf attached that stated I owe {$5800.00} with no proof other than the letter signed " Sincerely, Administration ''. 
XXXX. I responded to their initial " Settlement Offer '' email again stating they were attempting to provide verification/validation after violating the Fair Debt Collection Practices Act and they still had not provided actual verification/validation of the debt. 

Today I logged into their online portal and encounter an error stating " Information for this account is not available online at this time ''. 

There is no amount owed or any other identifying information available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to remove an account from XXXX XXXX from my account. That was my ex-wife 's account, not mine. I have submitted numerous disputes with XXXX but it never gets removed or updated, I have a letter from XXXX XXXX saying I am not on the account.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX and transunion ) consumer report, and I noticed some late payments posted on my consumer report : Account number ending in # XXXX, Late payments, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX XXXX XXXX is in clear violation of the law, Pursuant 15USC1681 1a 2 ( a ) ( i ) -EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681-3 of this title, any- ( i ) report containing information solely as to transactions or experiances between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) Making the report is not INCLUDED on my consumer report!

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED FCRA 15USC 1681a 2ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT on my CONSUMER REPORTS.
Product: Credit reporting or other personal consumer reports

Healthcare Financial Services has reported 3 accounts to my credit report all showing past due balances. These accounts are collection accounts and can not legally have past due balances based on the FCRA. The accounts are updated monthly to further damage my credit each month. The dates and amounts are listed below : XX/XX/year> {$1600.00} XX/XX/year> {$2600.00} XX/XX/year> {$860.00}