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

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed accounts claiming that the information they present is accurate, with which I greatly disagree.Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please have these accounts corrected : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I paid XXXX on my acct to Prestige Financial 7 days ago to make up the difference in the amount that car max agreed to buy my car. I spend all day speaking with a XXXX 3 days later because my acct had not been updated in regards to an accurate payoff amount. The XXXX had already been drafted from my acct and the payment reflected on Prestige 's website but still the payoff was wrong. I was forced to have XXXX sell me my car back. They could finish buying my car without an accurate payoff amount. The XXXX stated everything would be updated 2 days later, which would have been Friday. I checked Friday and it still had not been updated. I tried calling Prestige but their phones were down once again. I also sent several emails with no response. Please help. I just buries my Mother a month ago and dealing with this is just extra stress.
Product: Credit reporting or other personal consumer reports

XXXX XXXX by XXXX XXXX XXXX XXXX Credit Card agreed to remove this account from my personal credit, which is an corporate account due to their technical mistakes which caused me and marked my credit delinquent and dropped my points XXXX points.. Its hard for me to be able to provide for my family because I cant apply for funds or anything.. This has violated me tremendously and if this issue is not resolved I will take things further into civil action..
Product: Credit reporting, credit repair services, or other personal consumer reports

I attached a copy of the letter for the complaint since it was already typed up. 
Bank of America sold the mortgage to XXXX and charged off the HELOC. Therefore, Bank of America should have reported both in 2014. How can Bank of America and XXXX report the very same account of {$52000.00} to the credit bureau? It shows as two different loans in the amount of {$52000.00} but it is one and the same account that two different companies are claiming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I rented an apartment at XXXX XXXX XXXX XXXX & when I moved out I was told I was good to go & owed nothing more on my lease. A year later I check my credit to try & lease again but I cant because I have {$2400.00} on my credit report with a company named Rent Recovery. Unfortunately I do not have a copy of my lease but I do have electricity bills showing the months I was in the apartment & paid my bills. I have tried to contact XXXX XXXX XXXX XXXX & Rent Recovery to find out whats going on & havent heard back from anyone. Ive also disputed the account several times with an answer back within days stating the account is legitimate. I want to know where they are getting the right to say I owe rent when I know I do not. I have not been able to lease an apartment & refuse to pays this as I know 100 % is fraudulent.
Product: Debt collection

trying to collect debt as result of id theft informed them by phone they are still reporting to credit bureaus have sent paper work to XXXX where fraudulent account opened in my name using my stolen info amount is XXXX collection agency is XXXX XXXX co XXXX XXXX XXXX fla XXXX XXXX XXXX XXXX have filed police report with new York state police case # XXXX
Product: Debt collection

Coastal Credit filed a judgement against me for an auto debt. This debt was settled in full six months ago. They left a residual balance that they apologized for and removed in XXXX. I have spent several months trying to get Coastal Credit to release this judgement and send me documentation. Each time a different person claims they are doing it and it never comes.
Product: Debt collection

I do not own and auto insurance. I disputed this with one credit reporting agency and they deleted but they continue to report to others. I need this account deleted immediately with monetary damages paid out.
Product: Student loan

This is an addendum to complaint XXXX. Prior to student loan payments resuming, I applied for the SAVE program to alter my repayment plan on XXXX. I was notified that my request was received but have not heard an update in months and no details have been provided by Nelnet or the Department of Education for the status of my request. Their website crashes multiple times whenever I try to post a payment that is directed to specific loans rather than their standard payment parameters, request information/contact from them or attempt to notify them that they incorrectly list my account as past due when I have only had 2 payments due and have made 3 full payments. Their phone customer service hours are limited making it nearly impossible to contact them via that channel and no effort has been made to return any my multiple emails. Several other users have reported similar issues and have also not received any contact from them or have been told the website just has a mind of its own. This is criminally negligent on their part and is negatively affecting my and many others financial wellbeing.
Product: Debt collection

Received call from agency on my cell number claiming they were collecting on behalf of XXXX XXXX XXXX. Stated that I owe {$2000.00} and the funds were deposited into XXXX XXXX XXXX and they plan to file a civil complaint and seek judgment. I requested verification of debt but the agent stated they would set a court date sometime mid XXXX then hung up. I then called XXXX XXXX XXXX to find out about the debt they say I owe but the representative stated they did not have my file and that my file was sent to United Debt Holdings LLC. Tried to call could not get anyone on the phone. I checked the XXXX website and United Debt Holdings , LLC is no longer in business. Not sure what's going on.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$490000.00} XXXX XXXXXXXX Balance : {$470.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$93.00} XXXX XXXX Balance : {$740.00} XXXX XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit reporting agencies multiple time about the XXXX XXXX XXXX XXXX being on my credit report. I stated clearly where fraud and breach of contract occurred from the onset of the contract. I also stated my issues with the repossession, I was never notified of the disclosures that were to be supplied to me in accordance with UCC 9 and the unlawful late payments placed in my file, which is in violation to 15 USC 1666B, nothing was done and this account is still showing up on my report. I contacted XXXX XXXX as well and the only follow I received was letter from someone at the company stating they were not responding and they deny every thing I brought up to them.
Product: Credit card or prepaid card

I experienced fraud from someone pretending to offer me a virtual assistant job. This person tried depositing XXXX XXXX dollar checks into my account. So I called the bank to notify them I was experiencing fraud. To not let this person deposit fake checks into my account. The bank told me everything was fine and it would n't and sure enough two days later my account showed that I overdrafted my credit card account. I called their office trying to figure out what happened and all they did was put me on hold constantly and say that it was n't their department. I have paid the minimum for 3 months now to avoided being ill charged even further. It infuriates me knowing that I am being swindled out of XXXX dollars I do not have.
Product: Money transfer, virtual currency, or money service

I am unable to use PNC Bank with XXXX  in order to get my medication I think that is very ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good XXXX, I recently, on two occasions disputed the XXXX XXXX on my Transunion report as never late. I included a copy of the never late letter that was addressed to my mother XXXX XXXX as she is the primary account holder and I am an authorized user. On the first occasion they came back verified as if it was late. they didnt even honor the letter that was furnished. 

On the second occasion on XX/XX/XXXX I disputed it again, they removed the late that was showing on XX/XX/XXXX then they added it back on as if it was late on XX/XX/XXXX. 

THIS ACCOUNT HAS NEVER BEEN LATE AND THEY ARE NOT DOING THE RESEARCH TO REPORT THE CORRECT INFORMATION. 

I need them to remove the late and update my account to never late. 

SECONDLY, I called to dispute several inquires that are reporting on my credit report with Trans Union that I am unaware of, please see the following : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I spoke with XXXX on XX/XX/XXXX and she REFUSED to put in my inquiry dispute, taking away my rights to dispute incorrect and derogatory information on my credit report. 

what I have gathered is that the employees at Transunion do not want to help people get there reports corrected because they get paid to report incorrect information. 


Thank you so much for helping me in this situation.
Product: Credit reporting or other personal consumer reports

COMPANY XXXX XXXX AND EXPERIAN, THAT WAS BUILT OFF OF SLAVERY, CONTINUES TO BREAK THE LAW BY VIOLATING MY CONSUMER RIGHTS. XXXX IS FULLY AWARE THAT THEY ARE BREAKING THE LAW AND CAN BE SUBJECT TO A CIVIL SUIT DUE TO THEIR NEGLIGENCE. XXXX AND EXPERIAN HAS VIOLATED 15 US CODE 1611 - CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. THIS MEANS XXXX XXXX IS VERY AWARE OF WHAT THEY ARE DOING AND DOES NOT CARE ABOUT THE CONSEQUENCES. I HAVE ASKED THE COMPANY TO REMOVE FRAUDULENT ACCOUNTS AND INQUIRIES OFF OF MY CREDIT REPORT FOR YEARS ( XXXX XXXX  ) SUCH AS ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX ( THAT WAS REMOVED AND NOW HAS RE-APPEARED AGAIN ). COMPANY XXXX AND EXPERIAN AGAIN HAS VIOLATED 15 US CODE 1611- CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. WHICH MEAN YOU HAVE VIOLATED AND YOU REFUSE TO REMOVE, WHICH YOU ARE NOW AWARE THAT YOU ARE BREAKING THE LAW. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX AND ALL FRAUDULENT INQUIRIES OFF OF MY CREDIT REPORT.
Product: Checking or savings account

A checking account was opened in my name online on XXXX with First National Bank of Omaha . 

This account was not opened by me ; additionally all 3 of the credit agencies have freezes on my credit, placed there by me.
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 XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  : # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

*In accordance with the Fair Credit Reporting act XXXX XXXX Partial Account # 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 *In accordance with the Fair Credit Reporting act XXXX XXXX partial Account # 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 *In accordance with the Fair Credit Reporting act XXXX XXXX partial Account # 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 *In accordance with the Fair Credit Reporting Act XXXX Partial Account # 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: Vehicle loan or lease

Exeter finance. Predatory unfair contract with late fees that are charged well before grace period policy. High monthly payments and a fluxuating over 20 % apr rate making it almost impossible to build equity. Company did not add down payment to loan and delays payments to charge maximum interest. Company also harrasses immediately buy using XXXX  calling multiple times daily to collect payments. There are lawsuits and thousands of complaints on exeter finance for fraud and unfair loan terms as well as usury.
Product: Credit reporting or other personal consumer reports

The bottom line Even those who want access to your report can only ask for it if they have a legally permissible reason to do so. Both the credit reporting bureau and the person seeking access without a permissible purpose can be held liable if they breach the FCRA.
Product: Debt collection

Sometime around XX/XX/XXXX or XX/XX/XXXX my wife got a notice from Capital one bank indicating that we owe on a credit card. we responding that we never had a Capital one credit card, but was taken to court. the case was dismissed in court but Capital one has been still trying to collect, using one collection agency after another. every time we send the collection agency the court dismissal notice another collection agency would contact us. we did not hear from anyone in years so we thought this matter was resolved, however we just got a notice from XXXX XXXX XXXX trying to collect the same Capital One account. Capital One Bank has still been sending us Credit Card approval notices, so if these approval notice get into the wrong hands the same thing can happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. 
XXXX XXXX XXXX : {$1700.00}
Product: Credit card or prepaid card

My wife had bought a {$25.00} Vanilla Visa Gift Card on XX/XX/XXXX from our local gas station. I called the number on the back of the card to set up a pin number for it and when I first called the automated service said my balance was {$25.00} but after going through the process of setting up the pin the automated service said that my balance was {$0.00}. I immediately called the number on the back of the card explaining what had happened and they said that there was a pending charge for {$25.00} for some company that I've never even heard of. They said that I would need to call back the next day so the charge wouldn't be pending and we could dispute it. I called the next day and they started saying someone else is claiming they own the card which I didn't understand how when I have the card, packaging and, receipts to show that my wife purchased it with my wife 's debit card. The lady I spoke to said the I would receive an e-mail to fill out and send back with my proof and as of today XX/XX/XXXX a little over 2 weeks later and 11 phone calls, I still have not received the e-mail nor any resolution. I keep getting told that I will get an e-mail in 7 DAYS to fill out and send back along with my proof of purchase ( which I still haven't received ) and then another 90 DAYS to investigate. I've NEVER heard of taking this long. My wife 's bank doesn't even take that long. Every person ( I'm pretty sure it's pretty much 1 person but changes their name each time ) that I've had contact with has been very unprofessional and, I kept getting lies after lies and being put on hold for over 45 minutes then someone disconnecting our call or just deliberately hanging up on me. This is definitely not how you treat customers. I do know this : Once this is settled I will NEVER purchase another card through NOR recommend them to anyone. Very poor service
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It has been at least a few years since I was able to access myEquifax, I complained to them by mail and phone in XXXX I made many phone calls, they told me my case was being " escalated '' because it had been so long. After switching me to 3 or 4 people with long delays in between they said problem fixed then said wait XXXX mins and you'll be able to login. This phone call was over XXXX hour wait before I was even able to speak with anyone, And then nothing doesn't work, because the security questions they ask obviously are fraudulent accounts. I know this because I have answered every question properly and then I get a message saying can not verify ID. Very frustrating to go thru all these phone calls and letters and have it go nowhere. I have also mailed back then and over the past few months requesting a printed copy of my report and I still haven't received anything. Equifax is being very negligent here. In XXXX Equifax informed me that my data was one of the files affected by the XXXX data breach and that I was entitled to compensation, however I supplied the necessary documents and I even invoiced them and not only did I receive no funds I also never heard anything back. Starting to think the mistreatment is due to them owing me money. Thank you for your assistance in this matter I would really love to get to the bottom if this and clean up the fraudulent accounts on my report.
Product: Credit reporting or other personal consumer reports

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRA regulations. 

XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a derogatory mark on my credit report for over a month with IMC of Indiana. Their client, XXXX XXXX XXXX transitioned all of their billing to XXXX XXXX XXXX XXXX, XXXX. At this time, XXXX is unable to locate any billing information linked to me. I have requested multiple times, that an itemized statement be sent from IMC for the remaining {$500.00}. I have yet to see one. The unconfirmed balance would have been from 2004 ... this is probably why XXXX XXXX is unable to locate me. I either do not owe this money OR it is beyond the statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified public record listed below is still present in my credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2016 Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report due to a critical concern regarding my credit report. I have two inquires which I am not able to dispute through the TransUnion credit bureau ( see attachment ). These inquiries were misappropriately applied to this account as they were for an auto lease under my business using my businesses employer identification number ( EIN ).