23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The duty pursuant to the FCRA, it TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 1 inaccurate late payment for the XXXX XXXX account ending in XXXX. This includes a 30 day late payment posted in XXXX XXXX This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to TRANSUNION via written letters to remove this inaccurate reporting of late payments on XXXX XXXX XXXX and XXXX XX/XX/XXXX, however they have continued to ignore my requests. It is because of this inaccuracy that is causing my wife and myself to not be able to find a mortgage lender in order to secure safe housing for us. I fear that if these inaccurate late payments arent removed soon, that we will be homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian on XX/XX/, to correct the personal information reporting on my credit report. I included the correct information as well as a copy of my driver 's license, social security card, and bank statement, all showing my correct information. I did not receive a response from Experian. I followed up on XX/XX/, adding some accounts that I believed to be reporting incorrect information. I received an e-mail from Experian on or around XX/XX/XXXX stating that they do not believe the letters came from me and they will not process my request ( s ). I have been doing research on how to submit disputes to the credit bureaus, and I followed all the procedures as required. There is no valid reason for Experian to reject my request ( s ) because I gave them proof of my identity. I am including copies of the letters I sent them with this complaint.
Product: Payday loan, title loan, personal loan, or advance loan

I have gotten numerous emails, letters and advertisements saying I'm pre-approved for a loan, only to be told I don't qualify. This puts a hit on my credit, reduces my credit, harms my credit, etc. This is ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

I need a copy of my credit report. I have been trying to get it after I was denied credit based on the information reported on my credit. This has been an ongoing issue and still no luck. I have sent all the supporting documents as per their request but no reply from the company. Please Help!
Product: Debt collection

Back in 2013 regional Acceptance open up a car loan in my name ... I found out about it when I created an account with XXXX XXXX We I learned about I immediately file a dispute for over a year to report the fraudulent account ... but regional acceptance kept sending back to XXXX  and XXXX  the the account belongs to me ... I never had a account with regional acceptance and I shouldnt be held responsible especially by me making 15 hours a week XXXX an hour! This is so wrong how they are doing me I will like to have them supeona and have them give all the washes the was sent in telling me how much I was making
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to dispute two items on my report that are showing as collections. The number of questions required to answer is significant, but I can appreciate the length they go through to protect the PII of the consumer. However, the answers to the questions that I had given were accurate and I was denied the ability to dispute online. Same process over the phone, correctly answered the questions asked and was denied access. 

The creditor finally reported the account as closed but Equifax still shows it as a collection. In addition, they have a reported collection with NO information about the creditor. I've tried to dispute this and have run into brick walls in an effort to get it resolved, in this case I'm just trying to assess who is the original creditor so I can satisfy the debt. Also, Equifax reports medical debt from a collection agency that has been sanctioned by the CFPB and FTC for their practices in collections and reporting. Most of that debt has been in dispute with the hospital and my insurance but the collection agency disagrees. My suspicion is that Equifax has allowed creditors to " re-age '' old debts in order to allow it to stay on my report, which is a violation of the law. 

Each of the three bureaus also offshore all their call centers to XXXX which is a joke considering that they are supposed to protect PII of the consumers and this is a very un-secure way to engage with consumers.
Product: Mortgage

Roundpoint is threatening to force place insurance on my property becasue they are not well versed in insurance practices. My property has 2 structures on it and the insurance companies require two separate policies for the one parcel. Unfortunately Roundpoint is incompetent and can not understand the two policy rule. Both me and my insurance company have sent Roundpoint active insurance policies ( 2 ) but Roundpoint is still threatening to force place additional insurance on my property and defraud me out of the funds for the forced place policies.
Product: Debt collection

We received a letter in the mail saying we missed a payment and we owe {$530.00}. we called Genesis FS Card services and told them we did not have a credit card with Destiny XXXX. we do not have any XXXX. they told us to go to this site and fill out a conplaint.
Product: Credit reporting or other personal consumer reports

A company called XXXX XXXX XXXX is being reported on my credit report as a collection account that is not mine. I have no knowledge of what this or why its there Equifax has refused to submit proof of this debt or there methods of validity
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute with Equifax, stated several times they have a bankruptcy in my file. When asked where the information was provided, XXXX, a request from XXXX XXXX   started NO information regarding bankruptcy. Have sent this file. Its been over 30 days the incorrect info is still on file. They have violation of credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate debts on my credit report which is hindering my choice of getting housing for my XXXX  and I. I have disputed these inaccuracies for three years, and the credit collections have yet to send me the original contract bearing my signature and what method is being used to verify these false debts. These credit collection companies are not adhering to The Fair Credit Reporting Act. It's been three years that I've been requesting the validity of these debts belonging to me, and they can't verify anything. I DO NOT WISH FOR ANY INFORMATION TO BE VERIFIED VIA E-OSCAR!!! Please speak to real people so that I can get real results!!! These inaccurate reportings are hindering me being a mother and providing housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. BAXXXXK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My gym bag was stolen from XXXX XXXX. From result of that my personal information was been compromised. Since then I have contacted a lawyer to help me recovery and restore my identity. I noticed inaccuracies on my report that I have made a separate sheet below disclosing all data. PLEASE REMOVE ALL INQUIRIES AS THEY ARE RESULT OF IDENTITY THEFT.
Product: Checking or savings account

I would like to open an account with TD Bank. 
I had one account before with TD Bank which was charged off and I did pay the remaining balance which was only {$17.00} I would like to see if I am able to open a TD Bank account because TD Bank ended the business relationship with me when that occur I have made financial changes to my life XXXX a day trader I mainly use TD XXXX so I would love to have my money in TD Bank XXXX TD bank customer for life Thank you very much God bless you have a great day
Product: Checking or savings account

I have been receiving emails from XXXX ( Wells Fargo ) that my rent has been paid monthly. I have come to find out that my rent has in fact not been paid and my XXXX account is over drafted. As a result, my credit score took a very large hit. When I tried to rectify the situation and pay the account Wells Fargo duplicated the charge and took another {$10000.00} from my account. Now Wells Fargo owes me {$10000.00} and my XXXX checking account is overdrawn after Wells Fargo taking another {$10000.00}. XXXX is attempting to charge me overdraft fees while they should not have allowed Wells Fargo to have taken this money in the first part. Wells Fargo has stolen an extra {$10000.00} that they were not entitled to and now they are indicating that it will take multiple weeks before this money is returned. I will have no money ( in fact I have a negative balance ) during this time and neither bank has been willing to rectify the situation in the interim to figure this issue out.
Product: Debt collection

Received a notice on my credit report that a collection from Commonwealth financial systems was added to my account stating that I owed {$80.00} on an account. I had not received anything in the mail or spoken to anyone about this collection. I called the debt collector and spoke with XXXX XXXX and asked for Validity of the account. The representative stated he will be glad to send it to me. I received the information in the mail, with the letter being dated for XX/XX/XXXX, it did not show validity of the account only stating what I owed. From my research this company is not bonded to collect in the state of Texas. I pursued on XX/XX/XXXX to contact XXXX on this matter. I asked for the Bond number but XXXX stated that he did not have to give me that information, that it had nothing to do with me. He continuously repeated that they are bonded in the state of Texas and that is why they are contacting me but still refused to give me the information that I asked. I even asked if it could be under a different name, he said that this matter did not concern me and told me to have a nice day. From my research Commonwealth Financial Systems is not bonded in the state of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS AND HAVE THEM REMOVED FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

n 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

* On the 7th of XXXX I took a check I recieved from XXXX XXXX XXXX ( retirement/ stocks dispersment ) for {$85000.00} to chase Bank to be deposited * At that time I opened a new checking and savings account CHASE CHECKING ACCT # XXXX *I was informed it could be 7-10 business days for the check to clear * On the XXXX of XXXX my account with chase showed available balance of {$85000.00} and went to bank and withdrew {$5000.00} from a teller because I did not yet have ATM card. 
*about a week later I went back to chase Bank to withdraw some more money from my account and told chase had closed my account and no further info and when I asked about my money told would have check sent to house in 10 business days.

* at this time and for about 3 more weeks account showed as still open on there telephone system.

* called many times in those 3 weeks always being told when account processing completed closing chk would be sent.

* went down to Bank branch and was told there they were still trying to verify funds on the check and couldn't send check for balance on account until then. Stated they couldn't find verifiable phone number for XXXX XXXX. and gave no further info * went back to bank branch told same info and tried to provide them with multiple numbers for XXXX trust from bank statement and official internet site for the business told those numbers didn't matter because not verified phone numbers in there system asked what can be done they must have something set up to handle this situation and they told me there is no policy for next steps for them to get a phone number and that I needed to have the owner of XXXX XXXX call from a verified number and verify my check. HOW A PERSON IS SUPOSSED TO MAKE THE OWNER OF SOME BIG COMPANY MAKE A PHONE CALL FOR THEM they didn't know but told me it's what I needed to do. TO ME THAT SEEMS PRETTY IMPOSSIBLE!! 
* SO to me I feel like they stolen my money when I talk to XXXX trust they say that the check shows as already cashed in there system * but chase claims it hasn't been cashed even though how did I have available balance of XXXX and withdraw XXXX if the check wasn't cashed. 
* and I know they are allowed to close an account at anytime but they should have to give a person there remaining balance and my account said balance was XXXX before they closed it * they refuse to give me a new check or even return the old check * also side note they had no problem cashing a check for {$74000.00} + from same company 1 year before no issue with verified phone number or anything I FEEL LIKE I AM IN A HELL LOOP AND GETTING NO WHERE I JUST NEED MY MONEY AND CHASE WONT HELP ME TO GET IT BACK FROM THEM
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, resulting in fraudulent accounts appearing on my credit report. I am requesting that the accounts listed below be blocked and deleted from my credit file under the provisions of XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ). 
XXXX Accounts : XXXX. XXXX Bank Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. Self / Lead Account XXXX. XXXX XXXX. XXXX Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX Account XXXX. XXXX XXXX. XXXX Account XXXX. XXXX XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX. XXXX Bank Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Telephone call to Equifax to place a secure freeze on my account on XXXX XXXX XXXX, XXXX PM XXXX resulted in " Automated system inoperative at this time ... call back later ... '' Using the internet for Equifax resulted in their system being down : See below : Get Answers. Take Action. 
Home Contact Us Equifax.com System Currently Unavailable - Error XXXX We 're sorry. We can not process your security freeze request online at this time. Please try back later. 
To make a security freeze request with the other national consumer credit reporting agencies, please contact XXXX and XXXX : XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX XXXX, XXXX Box XXXX, XXXX, CA XXXX ( XXXX ) XXXX Thank you for giving Equifax the opportunity to assist you. 


Equifax XXXX XXXX, XXXX Considering the security breach on Equifax, they need to improve their systems AND not charge for initiating the secure freeze or removing the freeze. Also, the XXXX executives of Equifax who sold $ XXXX PRIOR to announcing the breach need to be fined and imprisoned. Also, if the breach was determined on XXXX XXXX, XXXX why did they take kuntil XXXX XXXX XXXX to make it public - perhaps to sell more stock?
Product: Debt collection

Home Depot Credit / Citibank believes I owe them money. I disagree. However, that does not stop them from calling me 2 to 4 times a day, trying to collect. They use an auto-dialer to call my cellphone, when I answer, there are a couple clicks, and the calls are connected to a live agent. They have admitted that they use an autodialer and have told me " Well, our system will still keep calling you ''. This has been going on for about 4 months now, I'd be happy to send you a copy of my cellphone 's history showing the incoming calls. I have gotten to a point where I keep my cellphone on do not disturb mode until around noon, but lately they've started calling later in the day as well. This is rather aggravating.