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

The loan balance is paid in full. XXXX needs to update on all credit bureau reports.
Product: Debt collection

Experian, XXXX, and XXXX are causing miss information fraud an all of other things. I want all accounts deleted an monies returned asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX  continuously ignore requests to add my current legal name to my credit reports. On XX/XX/XXXX, I had my legal name changed via a court order. I furthermore currently have a XXXX credit card under my new legal name ( I had this account prior to my name change, but have since updated my account information with XXXX ). Despite this, TransUnion and XXXX  still only list my former legal name. This makes it difficult, if not impossible, for me to create new accounts at most financial institutions despite otherwise meeting any other requirements. 

I realized that only my former legal name was listed on my credit reports at the beginning of this year ( XXXX ) as I attempted to open a new bank account online and was denied due to the discrepancy between the name listed on my personal identification and the name listed on my credit reports. 

I mailed TransUnion, XXXX, and XXXX  letters requesting they update my legal name in their reports, as well as notarized copies of the court order for my legal name change and copies of my driver 's license and social security card, both of which reflect my current legal name. TransUnion refused to acknowledge my requests at all. XXXX  mailed me a letter ( dated XX/XX/XXXX ) claiming they would update my personal information, yet as of my XX/XX/XXXX report, only my former legal name is listed. XXXX  mailed me a letter stating they could not find any credit information in their database from my information, which I believe is simply due to my small credit history and thus I am less concerned about them.
Product: Credit reporting or other personal consumer reports

I'm in the process of buying my first home and I went to review my XXXX Report with XXXX to make sure no inaccurate information was being unlawfully reported. 
To my surprise, there was a number of inaccuracies actively being reported by XXXX XXXX account XXXX XXXX. These inaccuracies are a SERIOUS violation of my rights as a consumer. The alleged account has already been Charged-off and a XXXX should've been filed and reported with the IRS by XXXX. I never received a copy of this XXXX. Instead, XXXX XXXX XXXX trying to illegally collect on an alleged debt that has already been satisfied. This a a clear violation of my rights as a consumer. XXXX XXXX XXXX ( b ) Compliance and Procedures states : ( b ) ACCURACY OF REPORT 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. 
I demanded to see verifiable proof ( i.e. an original consumer contract with my name on it ) that XXXX, XXXX, or Equifax had on file for the account listed below or a Certification from the creditor that certified the accuracy and completeness of the information/account. I received nothing. Instead, XXXX responded back by updating my account to XXXX status, which is a further violation of my rights as a XXXX. XXXX XXXX XXXX Responsibilities of furnishers of Information to Consumer Reporting Agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( A ) Reporting information with actual knowledge of errors. 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. Duty : a moral or legal obligation XXXX : correct in all details ; exact PROHITIBION : a law or regulation forbidding something. As Defined by the IRS Even if XXXX XXXX XXXX a Form XXXX, the law compels them to report cancelled debt as gross income on their tax returns. The IRS clearly defines a CHARGEOFF as Gross or Ordinary income. INCOME CAN NOT LEGALLY BE REPORTED ON THE CONSUMER REPORT, which in fact makes their continued reporting of this account inaccurate! My rights as a consumer are being violated and my character is being defamed. Therefore I demand that this account be permanently DELETED from my XXXX, Equifax, and XXXX XXXX Report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

This started in XXXX of XXXX when I was hospitalized for 3 weeks due to XXXX. I had my wife contact XXXX XXXX and they promised to move my payment then turned around and reported it late. When I lost my job due to Covid they offered me a program that would save my cars so that I would not lose my vehicles and I accepted the program and they in return posted all the payments late while I was under a program that they offered. I wrote them several letters and disputed every late payment and they have refused to honor their program. I scheduled prepayments and they promised that the account would be secure and not reported late yet they reported each payment late. They have yet to respond to my request to remove them and it has grossly affected my credit and my ability to move and secure residence for my family. They can clearly see that I honored each payment and since returning to work in XXXX I have yet to miss a payment and I always pay more than the payment due. They even have a late pay that reported in XX/XX/XXXX and I have not missed 1 single payment since going back to work and both my accounts reflect current, up to date and timely payments. Please assist me in getting this matter resolved because all of my efforts has failed. 

XXXX XXXX Months to Dispute : XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Months to Dispute : XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX XXXX XXXX XXXX
Product: Credit card

I have never done business with Galaxy International purchasing. I did do business with XXXX Credit Card. My last payment was XX/XX/2020. Galaxy international has hired a collection agency to collect a debt that is beyond statute of limitations. Not only is this debt beyond the statute of limitations, and as such, it is illegal for you to continue pursuing collection efforts. Under North Carolina General Statutes 1-52, the statute of limitations for collecting a debt is three years.

Furthermore, the continued reporting and collection activities associated with this account are causing me significant harm. The potential damages to my credit can accumulate daily, and I may seek compensation for these damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/21 to Experian disputing wrong information on one of the accounts on my credit report. I asked them to remove the account since the info is erroneous, inaccurate. 

I did not hear back from Experian in more than 30 days. I sent them a second letter on XX/XX/21 demanding to remove this account from my credit report. Under the Fair Debt Collections Practice Act ( FDCPA ), I have the right to dispute any information that is inaccurate in my credit report and the bureaus have the obligation to investigate within 30 days and if they can't verify or do not respond ( which is clearly the case here ) they are to remove the account immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already notified the credit bureaus of my issue with identity theft. I have never had a XXXX account in my life and I don't know why it is reporting on my account. This is a fraudulent account and should be deleted from my credit reports immediately. I was under the impression that credit bureaus could only report 100 % verifiable and accurate information. 

I am 100 % sure that this is an inaccurate account because I have never been to a XXXX store or their website. 

My information was also compromised in the Equifax data breach. I don't know has their hands on my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchase a vehicle last year XXXX/XXXX/XXXX, had a approval from my credit union bank and apparently the car dealership ran a credit inquiry regardless ; now because of this equifax breach I see these six hard hit on my reports as will in Transunion & i want them off. I 've submitted request with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started my credit journey back in XX/XX/2020 when I received copies of my credit report. Not only did I notice the wrong information with my name and addresses, I noticed there were some accounts I did not recognize as well. I watched videos and did some research and started disputing these accounts. The bureaus sent me responses at first but when the pandemic hit, the letters stopped coming. It is my understanding that the bureaus have 30 days to respond, or the account should be removed if they were not validated. After conducting more research, I found out the bureaus were behind and affected as well from the pandemic and would be taking a little longer to respond. Understandable. However, it has been 3 months since I received any notification or update regarding these negative accounts on my report. I have sent numerous letters and warning letters to the bureaus and TransUnion, XXXX, and XXXX has not reached out to me. This is unacceptable. This is my life in their hands and I want this situation resolved.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report and believe these to be fraudulent. This is a violation of the fair credit reporting act section 1681 ( b ) c and a serious breach of my privacy rights I formally requested that these fraudulent inquiries and accounts be immediately deleted my credit. There are several inaccuracies regarding balance amounts, payment dates, payment status ', and debts owed. I requested that the inaccuracies be corrected by Experian and XXXX, and no corrections have been made. I requested if anything comes, verified to show signatures and the original documents showing true accuracy. This was done beginning of XXXX last month. I also notated that they have 30 days to complete investigation as per fair credit reporting act section 611. Accounts remain on credit report, and no action has been taken.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, LA, XXXX Employer XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX  - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WANT TO NOTIFY THAT I RECENTLY FOUND OUT A FRAUDULENT ACCOUNT IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND SOMEBODY USED MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION AND OPEN AN ACCOUNT BY XXXX XXXX XXXX. PLEASE TAKE ALL APPROPRIATE STEPS TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent police report and idtheft protection cra violation inaccurate information
Product: Debt collection

TO WHOM IT MAY CONCERN I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ACCURACY OF MY CREDIT REPORT IS UNMATCHED. I AM CONTACTING THE ORIGINAL CREDITORS THAT ARE RESPONSIBLE FOR REPORTING INVALID INFORMATION. ALL ACCOUNTS, DATES, AMOUNTS ARE LISTED IN THE FILES. PLEASE REVIEW AND REMOVE THE LISTED ITEMS IMMEDIATELY.
Product: Credit card

I have had a Southwest Airlines Chase card for several years and have been pleased with their service. However, that is not the case with my issue. One of the benefits my card provides is 4 free Southwest upgrade boarding passes. The marketing material online with Chase and Southwest says it is a yearly benefit. It does not say anywhere online that it starts the day you get the card. This would be an easy change to make by calling it a " card anniversary reward '' but they don't do that and call it a yearly benefit which any prudent person would say that would be XX/XX/XXXX. The company should change this misleading marketing information. 

Regarding my complaint, I purchased 2 upgrading boarding passes on XX/XX/XXXX. That flight ended up getting cancelled. Even though the flight was cancelled, it is considered using the upgraded boarding pass. Again, I can't find this information anywhere and something that should clearly be outlined in marketing materials in a disclaimer/legal notice section.

I purchased 2 upgraded boarding pa
sses. One on XX/XX/XXXX for {$50.00} and one on XXXX for {$50.00}. It is my opinion I should be refunded {$100.00} but the credit card company is refusing to provide it. First, the start date of the benefit is described as yearly and not an anniversary award. Second, I never received the full benefit of the upgraded boarding pass since my flight got cancelled. Minimally, I would expect {$100.00} returned to me. I also feel that I should have the ability to use 2 more upgraded boarding passes in XXXX since the marketing material is not clear that this is an anniversary award.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX /File # 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I signed a mortgage contract with XXXX XXXX XXXX on XXXX XXXX, 2002. Thirteen years later, I discovered mortgage fraud within the Promissory Note although XXXX XXXX XXXX had sold the mortgage to REGIONS BANK, As a result, REGIONS BANK participated in lack of transparency through illegal book keeping entries and propriety trading and bundling mortgages into Special Purpose Vehicle trusts as Collateral Debt Obligations on XXXX XXXX. This fraudulent activity is known as " securitization '', where the mortgage was already paid upon the receipt of the alleged borrower 's signature. Evidence of this fraud is attached copies of the Promissory Note. Notice how Copy A ( which the Defendant first signed ) lacks the signature of a bank representative. However, a close examination indicates the fact that a bank representative of XXXX XXXX XXXX had unlawfully endorsed the Copy B of the promissory note as a check with the " Pay to the Order '' stamp on it not only after I had signed it, but had did so without my knowledge thereof whatsoever and then REGIONS BANK sent a copy of it during the foreclosure proceedings. As a result, the promissory note was reported to the United States Treasury and Federal Reserve Bank as an asset ( See Exhibits ). These banks have not reported any of this transaction to the INTERNAL REVENUE SERVICE. This is an act of fraud, extortion, racketeering and tax evasion.
Product: Credit reporting, credit repair services, or other personal consumer reports

The address that is reported is incorrect from the one that should be .. ( XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX ) is what it should say. Not ( XXXX XXXX
Product: Checking or savings account

I am an XXXX  XXXX, and my mother made XXXX payments to me this month, namely XXXX XXXX dollars. As I was about to receive the last payment, my saving account was on hold, and the bank told me that I needed to prove that it was for personal use and verify the name and phone number of the transferor. I provided this information truthfully and correctly. But they said, 'I 'm sorry we don't have permission to unlock it for you. You need to wait 5-7 working days to complete the review. '. All my money is in my saving account, and I can not withdraw any money during this period. If I am unable to withdraw in nearly days, there is a high possibility that I will not be able to live a normal life.
Product: Checking or savings account

There is sooo many times and overwhelming fees Bank of America had charged me with and has not refunded within the past two years its constantly happening
Product: Credit card or prepaid card

I had credit report run that showed TD Bank had a credit card opened in my name in XX/XX/2019. I never opened that card, meaning someone else used my information to get it. Now, I have an outstanding credit in my name that I never made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered an issue with my credit report back on XXXX. I have called TransUnion over 7 times since then and have spoken with ( XXXX, XXXX, XXXX, XXXX, XXXX, and a few others whose names I did not get. TransUnion had hung up on me multiple times with no real help. TransUnion is the only credit bureau to claim I owe {$1700.00} in student loans. When I contacted DEPT OF ED / XXXX to inquire if there were any loans in my name they assured me back on XXXX that was not true. According to the DEPT OF ED / XXXX my account was reported closed ( PAID IN FULL ) on XX/XX/2017. Not only had DEPT OF ED / XXXX assured me that my account was closed but that they had not received anything from TransUnion in regards to a dispute or anything. On XXXX at XXXX XXXX  DEPT OF ED / XXXX said that since they had not received anything but they would send something to TransUnion letting them know that I was paid in full as of XX/XX/2017 and it should be taken care of by that FridayXXXX at XXXX I checked my credit score and nothing had changed, when I called TransUnion I got no more information. XXXX ( the last person I spoke to ) could only tell me that they had sent a dispute to DEPT OF ED / XXXX and they are waiting for them to reply. When I had informed him that on XXXX at XXXX XXXX the DEPT OF ED / XXXX had sent them a dispute on my behalf XXXX proceded to only tell me they sent a dispute to DEPT OF ED / XXXX and they were waiting for them to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX U.S.C 1681 Section 602 A. States have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It 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

The company XXXX XXXX has reported me to the collections agencies claiming I owe XXXX. I have no idea who this company is or who they are referring to that I owe money. I have never received anything in the mail about this company or that I owe money. Im not even sure which XXXX XXXX company this is for as there are many of them in different areas. It shows on my credit report that its rental/leasing, no clarification as to what kind. I have no information to get ahold of them so I have not contacted them.
Product: Credit reporting or other personal consumer reports

They sued me for XXXX but now saying I owe XXXX on my credit report this is making me not get a car loan or apartment in my name I am car less and homeless
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I went to Wells Fargo to conduct a wire transfer of XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The operate as a money transmitter in the XXXX by the name XXXX. The wire was sent to the account at XXXX  XXXX XXXX that the app specified. On XX/XX/XXXX I contacted XXXX to see if they have received the funds they said they had not and on XX/XX/XXXX Wells Fargo advised they needed extra information from XXXX  XXXX XXXX which they said was my Full name and my date of birth that information was supposedly passed along to the bank on the same day however I initiated a wire recall through Wells Fargo and reported fraudulent activity because of information about XXXX that I saw when I research the information on the internet. Ive been calling my and going to Wells Fargo for updates and information and as of today XX/XX/XXXX they said they have made 3 recalls to XXXX  XXXX XXXX and have yet to receive any response. Please help me resolve this matter.