23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am writing in regards to several fraudulent purchases made on my Regions debit account on XXXX the XXXX, 2023. Regions contacted me via text at XXXXXX/XX/XXXX Thursday, XXXX the XXXX, 2023. I have made copies regarding the text and e-mails they sent me. They stated to visit the local branch on Friday morning, XXXX the XXXX, 2023. We were on the phone for approx. 1 hour and 20 minutes with a representative named XXXX XXXX. He verified my account and I identified him calling from XXXX Regions. The he claimed the fraudulent purchases from XXXX and XXXXXX/XX/XXXX were removed. However, he stated that he had to make another purchase on my account to set up fraud protection policy. He informed me to hit the yes key to make a purchase from XXXX! He stated he had to reset the fraud issue. On Friday I visited the Regions Bank at XXXX XX/XX/XXXXXX/XX/XXXX TX, XXXX. I spoke with XXXX XXXX for approx 40 minutes. I discussed this issue with her and she agreed that XXXX was a legitimate employee. She took all of the information and made a fraud claim and informed me not to worry, that i should get my funds within a week. She stated it was procedure to make another purchase to see if everything was working properly, the phone number was from XXXX Regions, and they need personal information over the telephone to verify my identification. I realize this, nevertheless it contradicts there policy of Regions employees not asking for ant personal info over the telephone. XXXX agreed the policy contradictory to the telephone conversations. On XXXX the XXXX, 2023 I called the XXXX XXXX XXXX. XXXX was informed the investigation department was not going to refund my funds for the fraudulent purchases at XXXX for a total amount of {$510.00}. I have NEVER purchased anything from XXXX XXXX 's in 65 years and I have not been to Florida in 4 years. These purchases were fraudulent and I can not believe Regions is blaming me for these purchases! There investigation should consist of but not limited to, e-mails, texts, recorded phone calls, and any video footage they may have. They have been extremely unprofessional and uncaring about the entire situation. Your cooperation is deeply appreciated and you are welcome to contact me anytime XXXX! My E-mail is XXXX XXXX
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 
The FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

says that I am late on the dates below though I am sure that I pay on time always with my bills ... though I think there are times that I have not because the bill did not get to me on time or I simply did not received it. Please help me resolve this XXXX XX/XX/XXXX-XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE BEEN A VICTIM OF IDENTITY THEFT, THESE ACCOUNT DO NOT BELONG TO ME
Product: Credit reporting or other personal consumer reports

See attached CFPB XXXX full Complaint in PDF format for details. Summary : My account balances on the XXXX and US Dept of Educations websites reflect a XXXX balance after I was granted PSLF  forgiveness, but XXXX has failed to report such to the credit bureaus as stated in its own forgiveness notice. I have filed XXXX rounds of disputes with the credit bureaus to have this information updated to no avail. I am reporting this to the CFPB for XXXX  failure to appropriately report correct information.
Product: Debt collection

Receiving threats from Bronstein and Weiss Arbitration to sue and collection attempts on a pay day loan that was included in a 2013 Chapter XXXX Bankruptcy. Also threatening to contact the courts and my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE.
Product: Mortgage

XXXX XXXX at Selene Finance tells me that my short payoff was denied but refuses to put in writing. We know this part of the fraudulent appraisals scheme and request the decision in writing.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of a data breach, and the following fraudulent accounts have been identified on my credit report. I request that these accounts be immediately blocked and permanently removed from my credit file in accordance with 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX XXXX BANK SS - XXXX - XX/XX/XXXX - {$00.00} BANK XXXX XXXX - XXXX - XX/XX/XXXX - {$8500.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$2700.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$640.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$860.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$950.00} XXXX CARD - XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$26000.00} XXXX - XXXX - XX/XX/XXXX - {$830.00}
Product: Credit reporting or other personal consumer reports

recently o looked at a copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain credit it is my undestanding tha you will investigate these items for me to ensure accuracy. 
here is item im asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I discovered a fraudulent account had been opened with my social security number and was showing up on my Equifax account as unpaid. The other two credit agencies did not place this fraudulent account on my credit report. 

I opened a dispute with Equifax, with whom I've had a security freeze since XX/XX/XXXX. In XX/XX/XXXX, I moved to Pennsylvania, where I currently live. This fraudulent account was opened in XX/XX/XXXX for the address XXXX XXXX XXXX, XXXX AL XXXX. The reference number for the dispute is XXXX. 

Equifax closed the dispute, claiming I lived at the address in XXXX Alabama. I have never lived at this address, which can easily be verified by looking at my current mortgage information. 

I'm horrified that someone can fraudulently open an account, that the utility company with whom they opened the account never conducted a proper credit check ( if they had, they'd have seen that I have a credit freeze ), and that all it takes is for a company to claim I lived somewhere for this to negatively affect my credit.
Product: Mortgage

I requested a pdf copy of my fully executed note, deed, and final closing disclosure. XXXX and Mr. Cooper refused to provide the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

While in the process of purchasing a home. I created accounts with the 3 main credit bureaus to keep track of my credit score and updated credit reports. In XX/XX/XXXX, I received a notification on my XXXX credit report stating that my Harley Davidson account that's been paid in full and closed since XXXX now had a 30 day late delinquency mark. 

I paid for and pulled the most up to date at the time credit report directly from bureau ( XXXX ) and then called them to notify them of this error. They explained that it was the vendor Harley Davidson who had reported to them the delinquency and that they were only reporting what was given to them. XXXX by XXXX picked up on the same delinquency and I had to notify them as well, they recognized the error and removed it after two months. In XXXX by certified mail I sent a letter to the XXXX XXXX disputing the late payment. It came back in XXXX verified. With that, my credit score dropped almost XXXX plus points and all my indicators changed which directly affected me getting a home loan. So I decided to call Harley Davidson. 

At first, Harley denied the late delinquency on my credit report but after my multiple calls and emails on XX/XX/XXXX, I received a voice mail from the company asking me to return their call after I emailed them my credit report and stated I was going to send a complaint for false reporting. 
I've been attempting to get both Harley Davidson and XXXX to fix this error. They both have done nothing but point the fingers at one another and done everything to my credit report which has directly affected my credit score over these past few months like erase my good paying history with them completely on my credit report and leave the one thing I've been requesting them to remove. They have placed the issue into dispute status but then validate the delinquency although the status on the account as well as the indicators clearly shows paid in full and closed. 

I've called Harley Davidson and XXXX. Separately, as well on XXXX way. They are aware of this error yet both parties have been difficult. Harley Davidson claims they have placed a XXXX into XXXX to remove the error because they never reported me late in the first place. However when I'm asking for a letter to stand in place as proof until the matter gets fixed, they refuse to provide one. Its been 4 months and still nothing. Both companies I'd like to report. Harley Davidson for reporting me to the bureaus falsely and the bureaus for not doing a proper investigation while under dispute. I'm hoping you'd be of some help in this matter and hope to hear from you soon.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This is not mine. 

XXXX XXXX This is not mine. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - IncorrectXXXX XXXX - Incorrect Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/XXXX, I sent a letter for an inaccurate account on my credit report but I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this account within 30 days gives reason to immediately correct the account on my credit report. They should be promptly corrected. 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 bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information, therefore, needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately or I will file for litigation. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXLate/Open Late Dates XXXX
Product: Checking or savings account

I am prompted to agree to terms and conditions when logging into Ally Bank to manage my accounts. I agree to them, and then a " system error '' occurs that does not let me into my dashboard. Ally is aware of the issue and has not resolved it nor have they provided any estimate on when I'll be able to access my accounts. This has been happening for months and I'm told over and over again that they will " escalate the ticket '' but then nothing happens. Ally Bank has falsely reported in a previous CFPB ticket that " It was determined you have been successfully accessing your AOS dashboard '' which is not true. I still can not access my accounts going on 5 months. I feel like my money is being held hostage at this point because Ally will not resolve the issue, lies about resolving it to the CFPB, tells me they will " escalate '', and then doesn't do anything meanwhile I can not even get enough access to close my accounts and move to a different bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of my accounts are reporting to Equifax. Ive called my lenders and have been told that they report to all three bureaus. Equifax has yet to correct the issue and this is causing my account to seem as if I have not established any credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I got a message saying that my XXXX score had dropped XXXX point due to a Late Payment in one of my accounts. This is completely false and incorrect, all of my accounts are current. I Contacted XXXX and Transunion they went through my credit report and said that I was right, that all of my accounts were up to date, that they didnt know why my credit score went down or why a Late Payment note appears on my credit report. They didnt give me any solution towards removing this false information, they only said that they couldnt do anything about this note on my credit report. This is affecting me tremendously and this false information is suppose to stay there for 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently have reviewed my credit reports and show an inaccurate account being reported to my credit file by Equifax. I have disputed with Equifax, and they have yet to remove this inaccuracy which is hurting my credit rating. Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report and my last Dispute letter sent to Equifax. 

Creditor Name : XXXX XXXX XXXX XXXX XXXX  Issue : Duplicate
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

I recently applied to rocket mortgage and all went smooth my credit score is XXXX I believe it qualifies for the XXXX minimum requirement. They told me that the down payments goes together with the closing cost Wich would sum up to the amount of {$19000.00} Almost thats a XXXX down payment. I know down payments are closing cost are two different things to begin with. She kept telling me hold on on the line as if she was asking someone else wich I doubt it. The home price I applied for in XXXX XXXX Texas worth only {$170000.00} only I went to another lender and they told me that was a huge sum. 

Closing cost shouldnt be costing me XXXX. They told me they were going to charge me for their service {$5800.00} dont know what percentage is that. 

I feel like this isnt right something isnt right. I qualify to get this home but they see some savings in my account and maybe they think its ok to overcharge me Not sure if its discriminating maybe bc Im a single woman who needs this home which is homes for humanity as well. I dont understand I just went to their log in page where my information is supposed to be show account number And this is the message There's some work to be done before we can qualify you for a mortgage. But we can help you get there. ( XXXX ) score This happened last week and they told me my score was more than XXXX but they just need it all that money, thank you to whoever it may concern With this phone number you can find it Im sure XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX XXXX XXXX {$920.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these creditors Exquifax, XXXX, and XXXX are violating my rights under 15 usc 1681 section 602 which states I have a right to privacy and 15 usc 1681 section 604 ( a ) section 2 states a consumer reporting agency can not report furnish an account without my written instructions. Under 15 usc 1666 ( b ) a creditor may not treat a payment on a credit card account under an Open end consumer credit/revolving plan as LATE for any purpose.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, we signed a home improvement installment contract with a local fencing company. This was a " same as cash '' contract for {$9700.00} financed through Mariner Finance LLC -- if we paid an amount equal to the amount financed within 360 days after the work was completed, all finance charges were supposed to be waived. The work was completed in early XXXX, and we signed the completion certificate on XX/XX/XXXX. We made monthly payments of approximately $ XXXXmonth from XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX, we paid the remaining principal balance of approximately {$8000.00}, which should have brought our total to {$0.00}. We determined that this was the final amount due after speaking with the manager of Mariner Finance 's XXXX, VA, branch. All payments were made within 10 days of the due date, so we never defaulted on the loan, as per the contract and a conversation with a XXXX staff member after opening the loan. 

Initially, the final payment removed our account from our dashboard on the Mariner Finance page. However, when monitoring our credit in XX/XX/XXXX, we noticed a balance of approximately {$1500.00}, with a due date of XX/XX/XXXX, and the account was reverted to active status. This balance due is still showing up on our credit reports, and Mariner has not helped resolve the issue, saying the issue is with the local fencing company, with which our account is fully reconciled.
Product: Debt collection

On XX/XX/2023 I was alerted from a credit identity app that Credence Resource Management via XXXX XXXX XXXX added a collection debt to my credit report. I immediately called and informed them, that this sis not my debt. I have been a victim of identity theft for over three years now and due to this unable to use my own credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive asked for a full investigation of account XXXX because there were inaccuracies with all 3 bureaus.. I checked my report after the investigation and nothing was corrected. I have attached my latest 3 bureau report I want this account deleted because it is reported inaccurate. Please delete account XXXX from my consumer file immediately. 

15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.