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

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I thought I was speaking to a dealership when I called the company XXXX. 
I liked a particular car for my son. They called me the next day and without disclosing that there was a chance that I wouldn't qualify for the loan OR disclosing how many time they would pull my credit they asked if I would like to apply for financing. I am weary about applying with dealerships. I explained to her on a recorded line that I am looking for a second vehicle for my son. She then put me on hold. I sat for over 30 minutes on hold when at that time she did not get back on the phone with me to let me know what was going on. SHE HUNG UP ON ME! My credit monitoring systems are blowing up! 
They let my credit be ran over 20 different times! 
I went through a horrible divorced and we were forced to file for bankruptcy so I have worked extremely hard to get my score over XXXX in the past 2 1/2 years. Now, thanks to the amount of inquiries in one day, it is just over XXXX. I would really like to see these inquiries disappear from my credit reports considering once I contacted a different online company that I was preapproved with one of the same lenders and was told that I only qualify if I turn my car in. WHAT? 
XXXX knew I was shopping for a second car! They took advantage of me! 
I feel so violated.
Product: Credit reporting or other personal consumer reports

I have sent several disputes for my credit over the past 3 months most recently I sent dispute letters on XX/XX/16 highlighting several inaccuracies on my reports. Instead of the bureau following FCRA guidelines I was sent a stall letter stating it looked like I was using a 3rd party to help me with my credit which there is no law against and well within my consumer rights if I chose to hire someone for help, however I wrote these dispute letters myself. On XXXX at XXXX EST I called Transunion to receive help with my disputes, I was transferred to a supervisor by the name of XXXX XXXX in the so called Fraud Customer Service department , she proceeded to tell me that if a consumer hires a 3rd party for help that they would not process those disputes even if the client had a power of attorney signed with that company. I proceeded to tell this supervisor that I did not hire a 3rd party and that it was a violation of my rights for them to not open and investigate my disputes. The supervisor told me she would not be opening any disputes with me even after I told her that it was against the law for them to refuse to investigate inaccuracies on my reports. The supervisor proceeded to hang up in my face.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Tools : # XXXX, POSSIBLE FINANCIAL : # XXXX, has violated my rights. 

looked at my Experian credit report on XXXX XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Student loan

ACS has been reporting late status on my credit report when said loans were in forbearance. The loans in question have been reported incorrectly for XXXX different periods. The first instance was XX/XX/XXXX through XX/XX/XXXX. The second was reported XX/XX/XXXX through XX/XX/XXXX. The third instance was XX/XX/XXXX through XX/XX/XXXX. The information changes from XXXX credit report to the other. XXXX, XXXX, XXXX all have different information. ACS has been impossible to talk to. I give them my information and they say they do n't service my loans and hang up. One lucky time i was able to get my account number. Than she realized that they do n't service my loans anymore and ended the call. It is not only frustrating that i ca n't talk to someone about my loans, it 's even worst that they can wreck someones credit with no re-course. I feel like I have no rights. If a company can keep reporting negative information they should still service and provide service to the day they no longer can reports such information.
Product: Mortgage

On XX/XX/XXXX, I switched to XXXX XXXX for my homeowner 's insurance. RoundPoint Mortgage didn't pay them. I called once each month to get the problem resolved. XXXX  just kept sending bills. I was cancelled three times as RPM refused to pay XXXX  ; they then became in arrears and didn't pay that either. Finally, I got fed up with both companies and switched to XXXX on XX/XX/XXXX. I had XXXX and RPM on the phone at the same time to get everything straight. RPM then decided to pay XXXX  AND XXXX (?????. ) They sent me a letter saying that my escrow was in arrears and I would have to " pay it or else. '' I called them and they told me it was MY responsibility to get a refund from XXXX  even though it was THEIR error. On XXXX XX/XX/XXXX, I paid them {$270.00} and was " assured '' all was well. Two days ago I received a bill saying that I owed an additional {$490.00}. Of course I called them yesterday and inquired as to why I owed additional money. They couldn't give me an answer other than " you just do. '' This call took thirty-eight minutes and twenty-seven seconds. I asked to speak with management and was told " they are all in a meeting. '' I was assured that one would call me back ; which we all know never happened. I called my closing agent to find out what my rights are. She told me it would be more costly for me to refinance for ten years with another company. She informed me to demand that my insurance and taxes be removed from my loan and to report this company to you. I have signed and emailed them an Escrow Waiver. They don't know what they are doing, their notes don't make sense to them, and they are completely disingenuous. They have caused me a great deal of stress and I still don't have this issue resolved. Please prosecute them to the fullest extent of the law. They truly deserve worse. Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw illegal accounts that were not mine on my profile report. I'm upset that you put the information below in my credit profile and that you don't follow good practices to make sure your credit reports are as accurate as possible. Laws about credit reporting make sure that agencies only report 100 % correct credit information. At each step, the information should be checked to make sure it is correct and accurate. The information that goes with this should be looked into. After carefully getting my credit report from your agency, I am having a hard time finding accounts that are wrong or don't exist. Because of the Equifax data breach, I don't know anything about these things or the wrong information. This is because my information may have gotten into the wrong hands. You are reporting carelessly and wrongly, and you are not following the FRCA. I know that as a federally protected consumer you have no legal standing and can't hire a lawyer to fight me.

I'll ask for a default judgment and file a class action lawsuit for violations, stress, and menstrual anguish, as well as at least 1 percent of the corporation under TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.
Product: Credit reporting or other personal consumer reports

Third Party Supplemental Information On TransUnion report ; this is not mine. 

Supplemental Public Records and Residential Information Requested On : XXXX XXXX Requested on : XX/XX/year>XXXX  Total Tax Amount : {$6700.00} Land Mass in Acres : XXXX Building Size in Square Feet : XXXX Total Land Mass in Square Feet : XXXX Assessed Land Value : {$0.00} Assessed Improvement Value : {$0.00} Total Assessed Value of the Land and Improvements : {$260000.00} Market Improvement Value : {$250000.00} Total Market Value of the Land and Improvements : {$300000.00} Improvement Value : {$250000.00} Real Estate Sale Price : {$190000.00} Home Equity Loans : XXXX Home Equity Loan Amount : {$0.00} Refinance or Equity Fixed Mortgages in Last 24 Months : 1 Conventional Mortgages recorded in the Last 24 Months : 0 FHA Mortgage Loans Recorded : 1 First Mortgage Amount : {$6.00} Interest Rate on Most Recent Mortgage : XXXX Loan Term of Most Recent Mortgage ( in Months ) : XXXX  Foreclosure : No Should you wish to contact TransUnion, you may do so,
Product: Credit reporting, credit repair services, or other personal consumer reports

A prior collections account should be removed from my credit report, per the creditor, XXXX, but Equifax has not removed it. XXXX has informed me that it requested the account be removed on XX/XX/19 and has provided me with proof of its submission, which I am attaching in support of this complaint. However, as of this date, the account remains on my credit report.
Product: Vehicle loan or lease

Car was totaled in XX/XX/XXXX and my insurance company convinced me to file through them instead of the lady who hit me then wouldnt communicate with us at all. Then Westlake wouldnt allow me to buy it from them even tho it was still a drivable car and I could just fix it up little by little over time instead of being stranded with no vehicle or way to get to work. Allowed my insurance company to come take the vehicle so have been without a car for months lost our job and became homeless and all Westlake did was call us 20 times a day everyday since XXXX even after we talk to them and they lie about whats going on. I had to request online information on my gap coverage coming into effect because there would be no reason for them to call us if the gap coverage was supposed to cover the remaining balance on our loan after the insurance sent Westlake what they deemed appropriate I constantly called XXXX asking why I hadnt heard anything from them about the gap coverage or anything and they said in XXXX they filed a claim for us and that we would know shortly. Here it is XXXX and Im just now getting the information for the Gap and in the paperwork it shows Westlake didnt even file a claim until XX/XX/XXXX! 3 months after! And in my documents it says they received the insurance settlement on XX/XX/XXXX so why even after me and my husband kept calling to see what they needed from us for the gap stuff they never filed? Now they call us every single day 10-20 times a day and if I answer and talk to someone they still call us after the same day and the day after etc
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent my License, police report, FTC report to XXXX. I have fraudulent accounts on my consumer report from identity theft.
Product: Checking or savings account

I am trying to link my XXXX bank account to my Capital One360 account for transferring money between the two. Capital one360 won't allow me to link with XXXX  bank. When I called to speak with someone about my issue, the response I got was " unfortunately there is nothing I can do, at this time we do not allow you to link accounts with a prepaid debit card '' I told them that XXXX bank is a part of/or owned by XXXX bank and it is not a prepaid debit card. I was told that their system is recognizing XXXX as a prepaid debit so there is nothing they can do. All I want is to be able to link MY accounts and be able to move money between MY accounts. Also, they do not accept payments from XXXX or XXXX banking for the same reason. Now I understand that XXXX  ifs indeed a prepaid debit card but everything I read says XXXX  is a bank account that just doesn't have a physical location. Similar to capitalone360.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  Balance Owed : {$25000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

I have an account with State Farm Bank. My wife was using her card on the web site for a state institution. All transaction must be independent of each other. Therefore, phone, stamps and cash are XXXX transactions. After the first XXXX State Farm Bank denied the other XXXX. They called the home but just disconnected the call after my wife answered. She called back and learned it was the bank. After too many verifications she disconnected the call and I sent them a letter. I received XXXX letters from State Farm Bank. They have lied that they have tried to contact me by phone since that day XXXX XXXX. They now have this account on REFERRAL for verification and WATCH for verification. If this account ca n't be used State Farm Bank can close this account, State Farm Bank should have verified XXXX membership this is being disputed. XXXX membership is a unauthorized purchase. Dates XXXX/XXXX/16, XXXX/XXXX/16 and any {$11.00} on previous statements. XXXX was never authorized to use this card for XXXX Membership. XXXX XXXX made merchandise purchases only with this card. XXXX Visa card was there for the membership but XXXX XXXX canceled the XXXX XXXX membership in XXXX 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America reported delinquent payments. I was a victim of identity theft in 2014. It was reported to the proper authorities but Bank of America won't remove this from my 3 credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

i went through XXXX XXXX and got offers with different loan amounts & arp %. I spoke to XXXX XXXX XXXX XXXX. He said I was approved for a {$7600.00} personal loan with a 30.00 %. 
I told him about the loan offer I chose. 
" The loan offer I excepted online was {$2000.00} at a rate of 21.66 % '' He refused to give me the Original loan but offered {$2000.00} at 30.00 % and I refused it and they hit my credit score so NOW I can NOT get a loan anywhere!!!!! I wanted loan to LOWER my interest rate no raise it!!!!!!!!!! 
THIS IS WRONG!! 
Will there be anyway to repair the damage they did to my credit???
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Hello, I have been a Victim of Identity Theft.

The account that Amsher Collection Service is trying to collect from me was opened without my knowledge or consent. 
Now, they're reporting a collections account to my credit report and I do not think that is fair. 
I did not open that XXXX account nor did I profit any gain from this account. 
I have been dealing with Identity Theft this whole year and I feel like I can not ever escape it. 
Please tell this creditor to stop harassing me, emailing me, calling me and reporting this collection account to my credit. 
I have told them already to stop contacting me and to stop reporting this account because it is a result of Identity Theft. 
Please tell them to stop. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card ( XXXX XXXX ). was transferred and bought by XXXX XXXX XXXX XXXX phone # XXXX XXXX XXXX to verify paid and settled in full. It was showed as a paid and settled account on XX/XX/18 but on XX/XX/18 they took paid charge off. Off the comments. Its not in dispute other then the dispute should say paid charge off. Settled and paid in full thx. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've notice unauthorized inquiries on credit report and notice that someone may have applied to something in my name. 
I have sent multiple disputes to remove these hard inquiries they are fraudulent and I want you to get them removed. 

XXXX. XXXX XX/XX/2022 XXXX. XXXX XXXX via XXXX PLUS XX/XX/2022 XXXX. XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX
Product: Debt collection

My debt for a XXXX XXXX card was managed through The Bureaus, but then it was sent to XXXX XXXX XXXX. I started making payments to them in XXXX. I thought I had paid it off by XXXX, but the last amount of {$150.00} had bounced. I checked again in XXXX and saw that I still had a balance of {$180.00} which I paid by making three payments of {$63.00}, {$63.00}, and {$63.00} on XX/XX/year>. I waited a few months but my payment was never reported to the credit bureaus and I still see a {$180.00} on my credit reports. XXXX told me to contact The Bureaus which I did. They said that I still owed the {$180.00}. I sent them receipts from XXXX for the three amounts I paid in XXXX, screenshots of XXXX 's online portal which shows my account paid off, and even screenshots of my bank account that shows the payments. The Bureaus said they contacted XXXX and that XXXX said that they didn't receive the payments. The Bureaus also told me that the account had been transferred back to them before I made those last three payments- which I was never notified of that.
Product: Debt collection

I am writing to formally dispute the fraudulent account that appear on my credit report under my name. My identity was stolen, and I did not authorize or open the account.
Product: Prepaid card

I received an American Express e-gift card as a present. I used some of the funds. There are funds remaining on the card and no store will take it. Not one merchant will take it. I spoke with Amex they said its nothing on their end and nothing they can do. These funds are useless. American Express should not be able to sell these gift cards as they are useless.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX