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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello. I bought my house in XXXX of XX/XX/2019 Upon reviewing my credit score, I noticed that TransUnion did not have anything showing good standings with making my monthly mortgage payments on time, in which would ultimately help my credit score. I reached out to my mortgage company to find out why this was happening. They stated that TransUnion will not work with them and acquire information regarding mortgage payments from their clients due to the size of the bank potentially. 

I find this unacceptable and every bank should have the right to provide the credit bureaus information in regards to good or bad payment status ' and accounts. This should not be determined on the size of the bank or how may clients the bank is providing mortgage loans to.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXXXXXX XXXX Balanced {$250.00} XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$250.00} XXXX  XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX Balanced {$160.00} XXXX XXXX XXXX XXXX {$320.00} XXXX XXXXXXXX Balanced {$0.00} XXXX XXXXXXXX XXXX {$620.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

On Wednesday, XXXX XXXX, leased a new Toyota Sienna. I called Trans Union and " unfroze '' my account for 72 hours. The dealership was unable to get a copy of my credit report as it was still listed a frozen. On XXXX XXXX, I placed a second unfreeze request for 7 days. Again, the dealership attempted to pull a copy of my credit report and was unable to do so because the account was frozen. I called Trans Union at XXXX on XXXX XXXX, escalated through XXXX Supervisors, until I reached a XXXX who claimed that she corrected the issue and everything was fine. However this morning, XXXX XXXX, the dealership attempted XXXX more time - and was unable to pull my credit report. I called Trans Union and they claimed it was corrected. I called the dealership, and once again, they are unable to pull a copy of my credit report because it is frozen, but the supervisor I talked with today XXXX assured me that the problem was corrected. I do n't know what to do next. The dispute is still open and Trans Union does not seem to know what the problem is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report, its been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to all 3 credit bureaus including Experian that is still reporting the misleading and fraudulent information on my credit profile. XXXX  and XXXX  has corrected the matter promptly.

I have given Experian notice through letters and affidavit in reference to the fradulent chase account, incorrect name and addresses that are Fraudulent. The Fraudulent XXXX XXXX is reporting as a Charge off which is incorrect as well. XXXX has acknowledge the XXXX XXXX  as being a Fraudulent account. I have given XXXX Cardmember Services notices about Experian reporting this Fraudulent information in my name. 

This misleading information is Frustrating and preventing me from obtaining a loan. Thank you for helping me hold Experian responsible for correcting and Removing this Fraudulent information on my credit profile immediately. 

Kind regards XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

Go Financial authorized a fraudulent loan in my name from a XXXX XXXX which at the time was my ex husband. Apparently my id was used and once notified via emails of this car loan I contacted the company and they did nothing to assist, but send me paperwork of signatures, but I never signed for a car or anything for Mr. XXXX. The company sent me paperwork of payments Mr. XXXX made, my email address was used which is how I found out about the account. My ex is in prison now so I could not get any more information. I reported my information stolen after failed attempts with this company and I sent them all I had, but Go Financial still would not remove my name from the loan and him and an unidentifiable woman opened. I kept disputing over time and XXXX  along with XXXX finally removed after further investigation, however XXXX still has not and now they have revoked my time to submit disputes for the issue. I am needing this removed from XXXX  credit bureau as it has been investigated and found NOT my debt and fraudulent by the other 2 bureaus.
Product: Debt collection

My information was sold and bought illegally because I was a victim of the Equifax XXXX XXXX. I want these items deleted from my credit reports, effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this XXXX XXXX and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Social Security XXXX : XXXX Date of Birth : XXXX To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX i XXXX XXXX, XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX XXXX IA XXXX Subject : Dispute of Inaccurate Payment History and Account Closure per Fair Credit Reporting Act Dear Consumer Financial Protection Bureau XXXX I am writing to dispute the false payment history and inaccurate account closure information reported by Discover Bank on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). Discover Bank has failed to rectify these inaccuracies despite my efforts to resolve the matter directly with them. 

Creditor Name : Discover Bank Account Number : Ending in XXXX Date of Account Closure : XX/XX/2023 Date of First Delinquency : XX/XX/2023 XXXX. False Payment History : Discover Bank has reported me as being 90 Days Past Due on XX/XX/2023, which is entirely inaccurate. I have evidence proving my consistent and timely payments, with no instances of being 90 days past due. Discover Bank has not corrected this false information on my credit report. 

XXXX. Account Closure Inaccuracy : The account closure date reported on my credit file is incorrect. Discover Bank closed my account prior to the reported date, yet this discrepancy persists on my credit report. 

Despite my attempts to resolve this matter directly with Discover Bank, they have not taken the necessary steps to rectify these inaccuracies. Therefore, I kindly request your intervention and assistance in resolving this dispute in accordance with the FCRA. 

I respectfully request that you initiate an investigation into these inaccuracies and take appropriate action to ensure the correct and accurate information is reflected on my credit report. Furthermore, I kindly request your guidance on how to proceed and any additional steps I should take to address this issue effectively. 

Thank you for your attention to this matter, and I look forward to your prompt assistance in resolving this dispute. 

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

Was informed in XXXX that my account was listed as past due and delinquent by all three credit agencies such as XXXX, XXXX and Transunion. I Started disputes with all three companies and a month later my payment balance was updated to 0 but still showed as a negative impact on my credit report and showed delinquent/charge off status. I then submitted proof of car being paid off in XXXX to all three credit agencies and there has still been no update to report. Under research, I found out an account could only be listed as delinquent if it is more than 120 days past due. This account has never been past due and proof was provided of the payments being distributed to the account to show great payment history and no months of payment being missed. I have been reaching out to XXXX directly for months to not be able to get a department that could directly assist me or even provide any relief. This has caused my credit score to drop tremendously and show a negative impact. I have worked extremely hard to make sure my credit has stayed in good conditions.
Product: Debt collection

Hello, on XX/XX/XXXX I sent a letter certified mail requesting that the debt collection agency National Credit Systems validate that I owe them {$870.00} dollars. In the letter it states that they are not to report it to my credit report until they validate the debt within 30 days, since then they have reported the debt on my credit 2 times on XX/XX/XXXX and on XX/XX/XXXX. I have not heard anything from this debt collection agency verifying that I owe them.
Product: Credit card

Wells Fargo, via its app, engages in opaque practices that harm the consumer. These include : No payment due date showing, and pending transactions not appearing. These are designed to extract interest from unknowing customers and relying on their good will. No other credit card app has these issues, and I have several credit cards from different issuers.
Product: Checking or savings account

I go to use my debit card, it was declined. I look online at my account, it says to call. I call and was transferred several times. The lady said my account was in the closure process and I would recieve an email within 7-10 business days telling me why. I have thousands of dollars in my save account and thousands of dollars are deposited into my spend account each month that I can not withdraw or touch. I have not had any declines until today. How is it possible for them to freeze my account without notification in advance and leaving me without any way to access or move my money? I was told they can not see the reason for the closing and the closure department does not take calls. I asked if I could just withdraw this money out today and I was told no, there was nothing that could be done. How am I supposed to wait 7-10 days on an email and then even longer to receive my money? Also, I am owed about {$6000.00} dollars due to unauthorized charges made by a child for in app game purchases. This is probably the reason they closed my account! I am going after any and everyone over this money! Right now I need access to pull my hard earned money out of this account and then I will be pushing to get the refund for the other money. Other than that, they have no reason to close my accounts or freeze them without my permission! This is my money not theirs and they do not have the right or authority to hold my money in these accounts!
Product: Credit reporting, credit repair services, or other personal consumer reports

And inquiry from XXXX XXXX XXXX on Equifax credit report. I did not authorize this.
Product: Mortgage

Went through the exhausting process of refinancing with Nationstar Mortgage and closed my loan on XX/XX/2016. XXXX should have been closed the week before but when the closing XXXX came to my home my husbands name on the documents were not correct. Yes, they had a persons name on the documents I have never heard of. The documents were corrected and loan closing was done on XX/XX/XXXX. I was told after XXXX days funds would be wired to my XXXX mortgage lender ( Nationstar ) and my XXXX mortgage lender XXXX XXXX XXXX XXXX XXXX. This has not been done as of today. I call my loan XXXX XXXX XXXX with Nationstar and he told me the loan had funded on Monday XX/XX/2016. Again, no one has been paid off yet. I have called the closing company and the person that was handling my closing will not call me back or answer emails, her supervisor and every other single person I have tried to talk to there will not call me back. I have tried to get Nationstar to get to bottom of this and even they promise to call me back but do not. This has put me in a very bad situation as I was told not to pay my XXXX mortgage in XX/XX/XXXX and now its XX/XX/XXXX. I have kept my XXXX mortgage paid up. Today I finally received a call from the title company stating there was some sort of date issue on the paperwork????? No clue and they said they were working to resolve???? None of any of it makes sense to me and they could n't explain it either. I also asked why almost XXXX weeks later this is my first and only notification of anything???? Again, no answer. I feel there is some sort of fraud going on. Can you help me?
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing and evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681I, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

I got 6 emails this morning, XX/XX/2023 describing the opening of a bank account in my name with my email. They then changed signed up for mobile banking and changed the email with the account. I then looked into what to do and came here.
Product: Checking or savings account

on or about XX/XX/year> mortgage payment was made to lender, whom immediately returned payment to bank and ALTERED name in returned! transaction, Bank statement shows Bank receiving returned funds yet monies returned DO NOT show were returned funds were PLACED back into customers account. Once customer was made aware of this via fone con from XXXX spouse customer called lender and ask their customer representative why mortgage payment was returned LENDER 'S customer service employee stated : She did not know why monies were returned and after inquiring from fellow employees no answer!
Product: Credit card or prepaid card

My credit report shows a 30 day late mark for XX/XX/XXXX from Bloomingdales Store Credit Card. The bill was due XX/XX/XXXX for {$1500.00} with minimum payment of {$120.00}. 
I attempted to make a minimum payment before due date online, however the website kept malfunctioning, and as it turns out did not process my payment. I was only made aware of the issue when credit card representative called and notified me that my bill was pass due, at which time I made a payment of {$500.00} on XX/XX/XXXX. For several months after the issue kept reappearing with Bloomingdales payment processing website and I had to make payments in person at Bloomingdales store or call in to make sure payments went through before due date. 
I have been a good customer since XX/XX/XXXX, a black card holder with this store, and have always payed on time. 
I have attempted to resolve the issue with the credit card company however the issue has been in dispute since XX/XX/XXXX without resolution.
Product: Credit reporting or other personal consumer reports

XXXX is reporting incorrect information to XXXX. I've contact XXXX last XX/XX/XXXX and they sent a letter stating that the information will be removed from XXXX My latest report from XX/XX/XXXX from XXXX still shows the record that should have been deleted.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX and Experian for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX and Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX and Experian complies with federal law and provides consumers with the necessary proof of investigation. These accounts I have listed were not properly I investigated. Each time they came back updated or updating information that was negative and inaccurate instead of properly investigating. 

For accounts listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly requested that they investigate the accounts below and provide me with any documents to support their reporting. As of today, they still need to supply such documents XXXX states their are no such documents from them all the information comes from the creditors 1. XXXX XXXX 2. XXXX I am requesting, concerning FCRA 611 ( a ) ( 7 ) : A description of the procedure ( s ) used by their agency in my earlier disputes.

All the information you used for their investigation, as FCRA 611 ( a ) ( 7 ) required, Written proof that you forwarded all the relevant information in my earlier disputes tr creditor. FCRA 611 ( a ) ( 2 ) ( B )
Product: Debt collection

In XX/XX/2019, I opened a business phone account with XXXX. In XX/XX/2019, I canceled it. XXXX did not shut it off and it continued to accrue debt for 3 months in the amount of XXXX dollars. I was notified this year by Jefferson Capital group that I owed this money. They are a 3rd party debt collector. After speaking to 15 people at XXXX, I was told there was nothing they could do to help me prove it wasnt my debt as it had already been sold off. Even though they admitted I never should have been charged and it wasnt my debt. Now Jefferson capital is affecting my credit trying to collect this debt that I legally do not owe.
Product: Debt collection

I received a letter from the XXXX group again on Friday. Notifying me of a court date to review my financial situation. This is after already doing this on a legal form for them a few months ago. And after them placing a judgment on me a few years ago. I only get XXXX a month from ssdi. I am not married so I use that money for my needs plus paying a rent to live in this house. About XXXX. I have nothing that I own everything is in his name and belongs to him. I have XXXX altogether in clothes jewelry and face supplies. I can't afford to have my ssdi garnished especially when that is all I have. I have horrible migraines daily and the constant stress is too much. I can settle for XXXX dollars in writing and on record. So this doesn't continue. That is all I can offer to settle this.