23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax and XXXX both have misused and misidentified information reporting on my credit report. Transunion is the only agency which has blocked the identity theft items from appearing. I have submitted all necessary documents including Police report, identity theft affidavit, identification, summary of fraudulent items asking to block them per FCRA 605B, and credit report with items circled. I have submitted it at least 10 times in the past year to XXXX which fails to yield results and they do not notify me that they are refusing to block the information. Secondly, I have submitted the same documentation 76 different times via fax, online, and mail to Equifax. They have failed to notify me of any information. When calling Equifax , I asked to conference call one of the creditors. We did so and the creditor verified it was fraud and to remove it. Rather than removing it, Equifax placed items ONTO my credit report which were never mine. They are included at least XXXX inquiries which were over 2 years old and several accounts never belonging to me. They then claim that they investigated the matter and that they verified the information and will not remove it. Both Agencies treat it as a dispute taking 30 days rather than an identity theft block request which takes 4 days. Also, in XXXX instances, Equifax " completes '' their investigation in just 2 days saying they verified my social, name and Date of birth. This isnt possible and if it was too, it shows I was a victim of identity theft and of course they used MY information. Both Equifax and XXXX have failed on many occasions to address my concerns and I plan to file suit if it is not resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian, XXXX, and XXXX  a debt validation request several times about two accounts. Those accounts are XXXX XXXX and XXXX XXXX XXXX. I have informed this credit reporting agency that I do not have any knowledge of those accounts and I have asked for them to send me written agreements from these companies because this is not my debt. I recently tried to dispute these accounts again and Experian, XXXX, and XXXX responded that they are not going to re-investigate my dispute. As a consumer, I do not think that is fair for credit reporting agencies to report inaccurate information. Items contained in a person 's credit report has an affect on housing, employment, and any other personal needs. I have been disputing these accounts every 30 days starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and more recently in XXXX. I sent these request for investigations on these accounts using certified mail and to date, I have not gotten anything to show that this debt belongs to me for these accounts.
Product: Debt or credit management

To summarize it, I was called to XXXX XXXX orders 3 months before the end of my lease. I gave my apartments a copy of my release memo, which my roommates took over the lease. Now I'm being charged and harassed by this debt collector called TSI.
Product: Credit reporting or other personal consumer reports

TransUnion File Number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX : XXXX Please remove the following inaccurate non working telephone numbers. 
XXXX XXXX XXXX XXXX XXXX Please remove the duplicate reporting addresses that do not have the correct apartment number. The apartment number should report XXXX, not XXXX. See attached copy of my credit report. Please mail an updated copy of my credit report verifying the disputed information has been removed, not a letter stating the disputed information is no longer reporting as a consumer can not identify what is not reporting. 


Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




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 or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an 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 XXXX  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

Over {$700.00} in unauthorized card use. Kids ( under XXXX XXXX XXXX ) took my phone and wallet off the counter while I was doing house repairs and used my cards and Chime account ( auto logged in on my device as all apps are for everyone ) to make hundreds of dollars of charges to various gaming websites and even some very creepy child luring gambling websites. Not only is this illegal for Chime to not block, but they refuse to credit my account for this XXXX XXXX states this is a disputable issue and is common enough, and the logins even shows different phones accessing my Chime and cards etc. But they didn't even look at my claim. They auto declined it as they do everything and wont send me details even as to why they pretended to find a reason to deny. Sick of Chime.
Product: Debt collection

Iv been a vikum of tdenty theft sens XXXX I got out XXXX  XXXX XXXX rollers was stolden out atm juge did not stop payment found guilty got out XXXX been paying on this sens then XXXX month trued to filled small clames XXXX in need of money 's with this coronavirus going on moved to XXXX arizona was were I was born XXXX and houked up a Post and scan mail box because was beening harassed by ssa employees and law no nosey showed up at the place mail was lost stolden bank account was clouesed and now got to go to ssa to fix it open new po box and found frod on my berthcatefiket XX/XX/XXXX and names and dates that was stolden at XXXX  years old that just got back in XXXX  no in XXXX
Product: Credit card

The card failed to process for the first time during my trip to XXXX from XX/XX/XXXX to XX/XX/XXXX. It has failed to process again since a few weeks ago. See Complaints XXXX - XXXX and XXXX - XXXX. 

attached is the evidence that the card is not working. 

I paid annual fee of {$590.00} in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Atfer reviewing my credit report, I noticed that I have several inquiries on my credit report that I am not aware of that may be affecting my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have reached out to all three credit bureaus Experian, XXXX, and XXXX about public information reporting on my Credit report from the US bankruptcy court. I have asked them how did they receive the information being the bankruptcy court stated that do not give nor report this information to the credit bureaus. I would like them to delete this information off all 3 of my credit reports as it is being reported without my consent. 

I have also asked all three bureaus to update my name as it appears on my drivers license. All three are reporting inaccurate name spelling and addresses that is not associated with me. I have asked that all information be deleted that is not accurate and they have not done so. My correct info is as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX My employer is XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

The XXXX loans reporting on the XXXX credit bureaus are NOT mine. I have been disputing them even when they were reporting positive. I officially started the dispute process in XX/XX/2013 and have been unable to get them removed nor has anyone sent me proof they belong to me containing my signature. They are refusing to remove and/or show me how they determined they belong to me. The only thing that has happened is a statement on my report saying I dispute the account. It has been at least four years I have been adamant that these loans do n't belong to me. As I stated I was even disputing them when they were positive now they are charged off however they are not my accounts. Also on the credit report the loan is reported by the same loan number but different amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX  XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXXXXXX XXXX  XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section ( a ) ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rite 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

As the XXXX XXXX the credit reporting agencies are reporting inquiries on my personal credit report that I not for personal credit request
Product: Credit card or prepaid card

5/3 BANK NA closed my credit card without any good reasons. I tried to find it from them, it's a very long wait time. Even after 1 hr 15 minutes also no success talking to the customer service.

This brings down the credit score. 5/3 BANK should understand that opening and closing the credit card impacts the credit score adversely.
Product: Mortgage

Our Mortgage is owned by Truist Bank and insurance company was XXXX XXXX, starting for an insurance claim after our house was destroyed by a burst water pipe while on vacation XX/XX/XXXX. 

Weve been constantly referred to XXXX dozens of times per call. However when we ordered our next needed inspection on XX/XX/XXXX weve been given countless promises of phone calls and information about when the inspection will take place, all of these promises have been broken. 

This inspection is to get the rest of the money to pay the contractor to finish the rebuild project on our home. 

Weve acted in good faith, and given them everything they need in a timely manner in all things during this yet we keep being ignored and lied to. I can no longer afford them patience because if XXXX XXXX behavior up to this point is any tell, then my family could face being homeless if the building project is not finished in XXXX months. 

When I originally ordered the inspection it was XXXX months of time remaining and that was already cutting it close to the wire. Bureaucracy has promised many times and broken every promise of phone calls and inspections. 

This must happen now.
Product: Debt collection

Have called me constantly everyday since XXXX. Today XX/XX/20 the representative was rude to me because I asked for a settlement then responded he will take legal action against me. He refused to make an offer and snidely remarked no I just dont want to pay the full amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account on my credit report. 

I disputed this account directly with original creditor. 

Original creditor failed to respond in 30 days FCRA violation. Sent certified mail. 

Dispute sent on XX/XX/21 delivered XX/XX/21 Their letter is dated XX/XX/21 and was not delivered until XX/XX/21 They did not provide information requested. 

This account needs to be deleted immediately for failure to validate the debt and provide supporting documentation.
Product: Checking or savings account

In early XXXXXXXX XXXX XXXX my account was closed by Wells Fargo for a check that I deposited into my account from someone buying a car from me. There was no reason and no explanation for why my account got closed
Product: Checking or savings account

There were several transactions " pending '' in my account and not yet posted, however a deposit posted, yet the bank still charged me for " pending '' items although my account was not truly overdrawn. US Bank charges by " Account Available/Pending '' vs. Account Balance. I asked, what if several transactions did not post, yet you still charged? US Bank stated that they would still charge. If I have proof of items that should not have been pending, then they would make a decision. I spoke with the following representatives : XXXX, XXXX & XXXX { Manager }. XXXX was by far the most professional, however she was not able to resolve the issue, so this matter is still unresolved. They overcharged me by {$320.00} in fees due to their " unique '' policy. This seems as if their policy would violate banking policies since items did not yet post, however the clients are still being charged. I do have a financial background and XXXX and I did discuss this in detail, however it appears as if US Bank is " FEE Happy ''.
Product: Money transfer, virtual currency, or money service

Zelle guidelines dont state if money sent due to error or fraud wont be able to be reimburse. And I had money stolen due to fraud and couldnt get funds back
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal data has been breached in the recent XXXX incident as confirmed by equifax. 

There does n't appear to be any recourse.
Product: Credit reporting or other personal consumer reports

I am not liable for the debt with XXXX XXXX XXXX. I do not have a contract with National Credit Systems Inc. They did not provide me with the original contract as requested.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.
Product: Checking or savings account

I deposited {$500.00} in cash in a Bank Of America atm located at XXXX XXXX and XXXX in XXXX, AZ on XX/XX/2019 at XXXX, and was since told that my checking account was closed and as of XX/XX/2019 I haven't received my funds back. 

I am unsure what to do at this point. I have sent numerous emails beginning on XX/XX/2019 to XXXX XXXX who states she is the Chief Client Care Executive and XXXX XXXX XXXX who states he is the CEO. As of XX/XX/2019, I haven't been able to get an update from the regulatory specialist XXXX XXXX that said he would contact me on XX/XX/2019 to get resolve, the executive department or anyone willing to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE APPEARS TO BE ACCOUNTS THAT I HAVE NOT AUTHORIZED ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Hi TransUnion, I just received a copy of my credit report today and I can not believe what I see. 
Someone stole my identity to open a fraud XXXX XXXX CREDIT CARD without my knowledge. 
I was on the phone with a fraud team supervisor from the credit card company ant they told me that this fraud account shall be delete from my credit report because they no longer have it on they system. This fraud credit card was flagged by the fraud team and he said I have a right to delete this inaccurate fraud account from my credit report. 
I would like to exercise my right and have this fraud credit card delete from my credit report.
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 this account ( A ). It is not permissible to fail to validate this reported account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX .... Balance : {$11000.00}
Product: Vehicle loan or lease

I have an auto loan with Chase Auto Finance. In XX/XX/2017, my payment due date fell on a Saturday. I made the payment on Friday before the XXXX cutoff time. Instead of the payment posting that day like it should have, it didn't post until the following business day, resulting in a 30 day late payment that is showing up on my credit report. I've tried calling Chase Auto Finance multiple times to request that this 30 day late payment be removed from my credit report, and every single time I end up having to ask for a supervisor and/or manager, which either ends with a disconnected call or failed transfer, or that someone will have to call me back. I've never received a return call from a supervisor or anyone else in management. I've tried sending a payment dispute letter to their research department, but I can't get any answers from that either. I would like Chase Auto Finance to remove the one and only late payment from my credit report so that I can continue with the process of buying a house.