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

THE US BANK LINE OF CRED ON MY CREDIT REPORT IS FRAUDULENT AND THIS ACCOUNT WAS OPENED WITHOUT MY KNOWLEDGE. I HAVE CONTACTED NUMBEROUS TIME THE CREDIT DIRECTLY AND ASKED THEM TO LET ME KNOW ON WHAT BASIS THEY HAVE REPORTED THIS ACCOUNT ON MY CREDIT REPORT.THIS ACCOUNT WAS OPENED FRAUDULENTLY, WHICH MEANS SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE ME, I HAVE NO IDEA HOW TO PROOF OF INOCENSE. I KNOW THEY ARE BIG COMPANY AND THEY CAN DO AND SAY WHAT EVER THEY WANT BUT THIS ACCOUNT IS NOT MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my account. I disputed these through internet as well as phone calls and they are telling me it ca n't be deleted.       XXXX   XXXX   and Transunion : Credit Plus  XXXX  Transunion :   XXXX   XXXX    XXXX / XXXX /  XXXX     XXXX    :  XXXX   XXXX   XXXX
Product: Checking or savings account

Barclays Bank is refusing to close my online savings account, which is in good standing and has a {$0.00} balance. I have requested the account be closed several times, but the bank has refused to close the account without providing a valid reason.
Product: Debt collection

I am filing a complaint against CONVERGENT OUTSOURCING because they are attempting to collect a debt that I do not owe them. Account Name : CONVERGENT OUTSOURCING, Account Number : XXXX. 
I would like for CONVERGENT OUTSOURCIN to show proof of verification that I owe them {$1200.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.
Product: Credit reporting

XXXX XXXX. XXXX XXXX XXXX, GA XXXX Or TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Or XXXX XXXX XXXX, TX XXXX XXXX, XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : [ XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX ]. 
As required by FACTA and in support of my request, I am including a copy of my identity theft report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. I may be reached by telephone at [ XXXX ] Sincerely, XXXX, XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

I had a store credit card debt through Best Buy but i run into trouble paying the charges so the company made payment arrangement and froze interest charges. As part of the arrangement I monthly payments was to be by auto direct payments form my check-in account. 

I lost my job there after and direct auto payments form check-in account were returned and arrangements on the payments could not be honored. I also I incurred returned fee charges on my bank account. 

I started receiving bills with charges greater than agreed so I sent email to inquire about the charges but never got a response. I was earnestly intent on resolving the issue but never got a response. 

The debt was transferred to XXXX XXXX XXXX and I disputed the amount claimed. They sent me details of accumulated interest charges so that the claim now it far more that the balance agreed and over a XXXX dollars more that the initial principal amount of charge. 

I am frustrated that I cant get Citi Bank to resolve the issue and I have to deal with the debt collector. 

As of now they have filed a claim against me at the Small Claims Court so I want to be able to resolve the principal amount of the debt with Citi BAnk.
Product: Credit reporting or other personal consumer reports

The Discover account in question was paid in full and discharged with a 1099A that was accepted by the IRS and a copy B was sent to their CFO and indentured trustee. This paid in full account is still visible on all Four of the credit reporting agencies after I sent a written affidavit enforcing my right to opt out. They are still in violation of unlawful reporting to the four consumer credit agencies XXXX, XXXX, XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting the credit bureaus for years for them to update my credit report correctly and they have refused to do so basically stating that the information is accurate and I have asked them to provide the documentation that they have been able to identify the accounts as accurate and they have not done so. I would like for the accounts listed below to be deleted from my credit report as quickly as possible because I am trying to get back on the right track.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
1. XXXX XXXX {$580.00} 2. ERC {$560.00} I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that creditors and credit bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated. I respectfully request to be provided proof of the alleged items specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. 
The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. 

Please delete this misleading information and supply a corrected credit profile to all credit bureaus who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. This letter is an affidavit and dispute of the incorrect information that you are reporting on my credit file. If you continue us to place incorrect information on my credit report without my consent I will be forced to take legal actions towards your company and you will be faced with charges for the damages you have caused on my life and my credit file. I have all recorded calls, emails, certified documents, and the threatening phone calls your company made. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNT XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XXXX account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX account 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Transunion regarding inaccuracies found on my Transunion credit report. Transunion claims they did an investigation and updated the accounts, did not provide me with physical documentation substantiating their investigation. The accounts are still inaccurate and are a violation of the FCRA
Product: Credit card or prepaid card

Capital One had a data breach. That has been established. Unauthorized purchases were from XXXX of around approximately XXXX And another for about XXXX some odd dollars were charged through XXXX, totaling approximately XXXX dollars. This occurred about a week ago. XXXX says the items were not purchased through my accounts. Capital One did credit my account a few days ago, sent me a new card, but now has put a new hold for the charges while they investigate.
Product: Debt collection

The XXXX XXXX company that manages XXXX XXXX XXXX XXXX XXXX forwarded false debt in the amount of XXXX to National Credit Systems Inc.
Product: Credit reporting or other personal consumer reports

All these accounts that I don't know and are in my report I don't want them, I have reported them many times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am talking abou Transunion now. These guys are just crooks. My credit score was at XXXX with 17 % total credit usage. I am back up to 30 % which is recommended and I lost XXXX on my credit report. I never gained XXXX pts for good work. 

Wonder why people are losing their minds out there. All my accounts are paid on time. Theres no reason to do this. I understand XXXX pts but XXXX? Thats a joke. 

Look at my credit report and see what I mean. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am resending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. My full legal name is XXXX XXXX XXXX, and I currently reside at XXXX XXXX XXXX, XXXX, PA, XXXX. My date of birth is XXXX 
XXXX XXXX Dated Opened : XX/XX/XXXX {$16000.00}
Product: Debt collection

Back in XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX a.k.a. XXXX tried to collect a debt ( {$100.00} for one month 's service ) through XXXX XXXX XXXX XXXX. I sent them a letter explaining the situation with the following information : The is a notice to inform your company that the debt being claimed by the creditor ( XXXX XXXX ( XXXX ) Account XXXX XXXX XXXX is invalid and lacks accuracy. Facts in the case are as follows : 1. XXXX billed for services NOT rendered. Those services were internet at a premium speed ( a $ XXXX. value above basic service ). A promotion of $ XXXX. off for 2 years. A total value of {$360.00} which should have been credited to the account. 
2. XXXX deleted from their records complaint calls regarding slow or intermittent internet. 
3. A XXXX sales representative promised to credit the account for the missing promotional credits. 
4. It was discovered that XXXX had reduced the ability of the modem to operate at the faster speed. The explanation from the tech department the speed was a result of being too far from the hub ( an admission that the speed promised could never be achieved and should have never been billed for ). This was a false statement discovered on further investigation that the modems size of packets had been reduced 50 % from the machine capability. 
5. The equipment was returned prior to the billing cycle. Thus, services were not rendered. 

The matter seemed to be dropped when no other correspondence being made after that. Now a new collection company appeared in XXXXXXXX XXXX XXXXXXXX. They were trying to collect a monthly service that was easy to show it was paid. They, I.C. System Inc., ignored blatant proof there was no debt owed and proceeded to file a ding on my credit reports.
Product: Mortgage

On XXXX XXXX 2016 I bought a house from Bank of Oklahoma via a short sale. I paid the agreed price and assumed everything was taken care of. 

In XXXX we decided to go ahead and sell this property as the rental is in an area that we do n't cater to and did n't plan to buy anymore in that area. 

We got the property under contract, scheduled to close only to find out that BOK had failed to file the mortgage release. Once contacted BOK claimed to be waiting on some moneys the believed they were owed from FHA. We did not buy the house from FHA nor where their any stipulations that said that after we paid nearly XXXX in a cash purchase that the mortgage release was subject to any third party. 

I had the company that facilitated our closing call both BOK and FHA. FHA claims that they have already did what they needed to, BOK now admits that it is true but claims due to back logs they legally have until XXXX XXXX 2016 to file this mortgage. 

This is outright fraud. What kind of mortgage lender takes the payoff they ask for then holds ( us ), an innocent 3rd party to the original moneys owed hostage while they wait for government red tape.
Product: Bank account or service

To Whom It May Concern, I XXXX XXXX a XXXX veteran banked with Well Fargo up to 2 months ago. I withdrew because Well Fargo was taking my Educational Money from the VA Educational fund allotted to me for me to continue my education in College. The VA Education department has been sending me letters for the last 3 years that they have overpaid me when I have never been paid a dime. Now, the VA Educational department is threatening me by re-cooping my military XXXX checks to repay a debt I have never received any money for. I need your help in tracking this dilemma. 
Sincerely yours, XXXX XXXX Phone # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft someone used my information to obtain credit, and applied for several creditcards and loans that I havent authorize them to check my credit here are the inquires that are fraudulent I didnt authorize them to check my credit Hard inquiries XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX, XXXX, and TransUnion for maintaining inaccurate information on my credit reports. 

Summary of Events : Description of the Issue : My credit reports from XXXX, XXXX, and TransUnion include these inaccurate accounts and personal info : TRANUNION Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX  XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX Employer - XXXX XXXX  Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX  Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Employer XXXX XXXX XXXX - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX 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 Initial Dispute XXXX On XX/XX/XXXX, I sent dispute letters to all three credit bureaus requesting the removal of those incorrect account. I provided evidence, including a letter from XXXX Bank confirming that the account does not belong to me. 

Responses : Despite my disputes and the provided evidence, XXXX, XXXX, and TransUnion have not removed the inaccurate account. Instead, Transunion sent me letters telling that my info did not appear that I sent it to them or a third party and I havent receive or hear anything from XXXX an XXXX. 

Credit Reports : Copies of my credit reports from XXXX, XXXX, and TransUnion showing the inaccurate account. 
Dispute Letters : Copies of the dispute letters sent to each credit bureau. 
Evidence : A letter from XXXX XXXX  confirming that the account does not belong to me. 
Correspondence : Copies of any responses received from the credit bureaus.
Product: Student loan

mycampuspartners has implemented a new " convenience fee '' if you wish to pay directly your checking or savings account. There was always a fee for paying with debit/credit card, but now there is also a fee for direct withdraws from your account. The only way to avoid this is to mail in a check, which, in 2016, is a bit ridiculous. This is a pure money grab as they do not incur fees for direct ACH deposits with withdraws.
Product: Payday loan

I applied for a loan with big picture loans.com, when I spoke with the representative who was a lady, she advised me that I was approved for a XXXX dollar loan and my pay off balance would be XXXX dollars. XXXX dollars would go to my finance charge. I have XXXX options to pay the loan back. The first is to pay the XXXX in full by the first payment date of XXXX/XXXX/2016. The second is to make monthly payments of XXXX a month. No where did she mention the amount of the finance charge would b 793.6667 %. After she finish my paperwork I was advise I can log into my to check my payment status. I was unable to check anything put the payoff balance which said XXXX dollars. Once my first payment was taken out of my account I wanted to check my payment amount for the month of XXXX. That 's when I was able to view my documents and see the ridiculous amount that they are charging me for a XXXX loan. I was very upset because I can not afford to pay back XXXX XXXX dollars on a XXXX loan that I borrowed I can see XXXX dollars that I was told. I 'm a single mother of XXXX with no help from anyone, that 's why I turned to the loan but not to be robbed.
Product: Credit reporting or other personal consumer reports

I have no access to my TransUnion credit report. I can not dispute, freeze, order my credit score, etc. nor can I look at past credit reports or disputes. Its been like this for two months now. When I called, TransUnion told me I am not allowed to have an online account and arent able to explain why. This is a violation of FCRA. All consumers must be provided credit information.
Product: Credit reporting or other personal consumer reports

All three credit reporting agencies claim that I have an account with XXXX, which I've never had an account with. In addition, there was an additional address ( XXXX XXXX XXXX, XXXX, GA XXXX ) that was not mine. They all took the address off my report, but would not delete the XXXX account. I filed a police report after my attempts to remove the XXXX account, but none of the three agencies will allow me to file an additional dispute with them. The XXXX account has been sent to collections and my credit score has taken a nose dive.
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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.