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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law.

The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/2020, I received a court notice stating the plaintiff, XXXX XXXX XXXX XXXX XXXX of XXXX, voluntarily dismissed the garnishment of my wages without prejudice. I then received another notice from the plaintiff on XX/XX/2020, that garnishment would resume. They failed to include the defendant 's claim form for me to formally reply to. I emailed Cooling and Winter on XX/XX/2020, and respectfully made them aware that I am seeking representation from the Attorney General 's office in regard to the class action lawsuit against XXXX for fraudulent loans. I did not receive any response to my email, yet they have already started garnishing my wages yet again for a vehicle that was REPOSSESSED MORE THAN 10 YEARS AGO! 

I received a letter from XXXX stating this account was bought by Credigy, whom I have never heard of or received any correspondence from. I will definitely be forwarding this complaint to the Georgia Attorney General as this seems fraudulent and scandalous.
Product: Prepaid card

XXXX Visa Prepaid Debit Card with 1-2-3 REWARDS ( R ) Visa ( R ) Prepaid Debit Card : After using the card to process a product return from a XXXX I purchase from regularly I was told all of my money in my prepaid account was locked up and unavailable so the company could make sure the return transactions were not fraudulent. This included all my money from my paycheck in addition to the money on from the return to XXXX. The card holder agreement does n't mention anything like this so I do n't understand how they can do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion was notified on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of these inquiries. Transunion was submitted the dispute and the police report, i also called them on 4 occasions to notify them. They have refused to remove these fraudulent inquiries. 
XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX  XXXX ( Finance ) XX/XX/XXXX CAPITAL XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX
Product: Debt collection

I checked my credit and saw a medical bill from Nationwide Recovery for XXXX XXXX XXXX at {$1600.00}. I did not receive any notification for any debt for medical services as an indigent individual. I was homeless with no physical address to receive any forwarded mail. I also let the hospital know I was an indigent vagrant and did not have any insurance or money.
Product: Credit reporting or other personal consumer reports

My file is unable to be pulled from Annual Credit report.com or from Equifax 's website and was unable to be accessed by a lender when unfrozen and unlocked. When I go into Equifax 's system I see only a portion of my accounts and many are missing. However, I did receive a dispute summary that lists accounts that I can't see to dispute so something on their end is still not working regarding my file. Their customer service has been dismissive of this even though it has now been at least two weeks that my file has been inaccessible and previously the only tradelines showing in the backend were not updated since XXXX / XX/XX/year>. I am again requesting they combine any multiple files and ensure accurate reporting and accessiblity to both myself and anyone trying to pull my report
Product: Credit reporting or other personal consumer reports

Transunion will not let me see my credit report it has been blocked for several months, and I pay for Credit monitoring. I have tried to contact Transunion by mail with no response. Please I am asking for cfpb to help in this matter of unblock/unfreeze, so I can see my report. 

thank you for your help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Equifax Information Services and XXXX, has violated, my consumer rights by reporting a fraudulent account under the credit file that they maintain under my social security number. Each credit reporting agency has been supplied the FTC statement verifying the accounts reporting are not authorized by me. Each Credit reporting agency has violated FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer.

( 2 ) a copy of an identity theft report.

( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
At this time the account with XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, continues to reflect on my credit file. I will be sending a notice of intent to sue regarding these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/XXXX, I checked my credit report through XXXX XXXX. A new, unpaid student loan had shown up in the amount of {$44000.00}. The origination date shows XX/XX/XXXX. I was not in school at the time. 2 years previously, my husband and I had a loan forgiven for roughly the amount in XXXX for our service in high needs, low income schools as teachers. When I contacted XXXX, they had no record of the loan and could provide no additional information other than there was no loan in the National Student Database attached to me for that balance. It was suggested I call XXXX as the loan may have originated with them. I called both XXXX and XXXX and neither had record of that loan and I can see in both their dashboards that there is no loan for me. I also have logged in to my student aid account with the federal government and there is no loan there. This is a false report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following inquiry from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and this inquiry is unauthorized. 
The following inquiry must be removed immediately : XXXX - XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently on the forebearance plan right now and keeping informing XXXX for the last 6 months that my balance keeps going up by a massive amount on all 3 credit reports dropping my score by 100 points. I provided the information to them was told someone was going to get back with me about the issue with the balance increasing every month mine and wife credit report. I am also missing data on the reports were it is not showing current status as part of the Covid 19 relief bill. I made several attempts to file dispute with equifax,  XXXX, XXXX, and XXXX XXXX nothing been done to update the the balance investigation why data is not updating properly and balances. I called several times to XXXX XXXX the reps have a attitude and never get anything resolved.I mailed the documents to equifax on XX/XX/2020. 
If I dont get the information I am pursuing a civil lawsuit. 
Also equifax needs to update my name to XXXX XXXX XXXX not XXXX.
Product: Mortgage

My Mortgage Company, Ditech, failed to apply payments I made to my payment due on XXXX XXXX. XXXX payments were made in XXXX totaling the amount due for the XXXX XXXX payment. Ditech applied those payments as " principle '' payments. I contacted them on XXXX first via phone, to advise that there apparently was an error in their application of said payments. Since then my wife and I have contacted them 3 more times via phone and XXXX email to their customer service department. It is over 30 days now and nothing has been corrected. They have now applied late fees and have failed to return calls, or respond appropriately to what should have been an easy fix. I have never made any payments late, and this is my XXXX home I have owned without ever having such a terrible experience with a lender that purchased the loan from Greentree XXXX last year. 
I am attaching my payment history, email and evidence to support. I feel I have run out of options in trying to resolve this matter directly with them. 
Please assist, thank you.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human XXXX  debt bondage, which falls under XXXX  according to XXXX-debt final rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant Act. I am a victim of human XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts, Account Name : XXXX XXXX XXXX Account XXXX : XXXX Reported Balance : {$49000.00} Account Name : XXXX XXXX XXXX BANK XXXX Account Number : XXXX Reported Balance : {$3200.00} Account Name : XXXX XXXX Account XXXX : XXXX Reported Balance : {$6700.00} Account Name : XXXX XXXX Account XXXX : XXXX Reported Balance : {$5400.00} Account Name : XXXX XXXX Account XXXX : XXXX Reported Balance : {$2400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$910.00} Account Name : XXXX Bank XXXX Account Number : XXXX Reported Balance : {$5300.00} Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Reported Balance : {$420.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Reported Balance : {$41.00}
Product: Credit reporting or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

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
Product: Credit card

Synchrony Bank closed all my credit card accounts. They have done this to thousands of customers, I make all my payments on time. I am trying to buy my first home and this will hurt my score really bad. 
Amazon store card Rooms to go Care credit Synchrony XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

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

In accordance with the fair credit reporting act this creditor ( jpcmb ) has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Consumer report reflects significant late payment history with reporting agencies Forbearance was in process for dates listed as late Company is unable to furnish certain months for agreements, extensions, disaster relief, covid 19 relief programs and Forbearances provided
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate. 
Account Name : XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

XXXXm so depress because paypal closed my account very fast and for no reason. My account to them is new and im not familiar for all the features they have in the paypal apps. I am working as a freelance coach and virtual profesional together with my staff. Im the owner of my company computer technology services world wide. The date i created my account to them is on XX/XX/2022 then i decided to closed account on XX/XX/2022 because of some mistaken information about me and my company. On the same day XX/XX/2022 i decided to try to create new one for my personal account then upgraded to the business account coz i had a true business and i believed that is the right move to grow and to expand also to get know my business better. Then on that date a day after a created my accnt i already getting and receiving payment to my paypal business account for my work and for my company services then suddenly i got some email coming to paypal asking me to upload my identification card also to explain my business. I do answer them and already upload my i.d and sent back to them. A day after after review dated XX/XX/XXXX, i got shock because of the email i received from paypal, saying im no longer do business with them because they said my account is engaged in activity to deceive paypal and its customers. Paypal company accusing me deceiving them and its costumers, why they said that? Im not doing wrong things to get paid by others i am doing very good and right business as per law. If i do wrong things to paypal. please i ask them to give any proof that im doing wrong things or i violated any rules. I am not sure if this is some mistake. Why im here to report this kind of situation. I feel they are not doing their job in the rightful way and its affecting me a nice and great deal as of now. My account still have funds and i can not manage to use it because paypal permanently limit my accnt. I get that money because of my services and not for deceiving anyone like they said to me. My email linked to my paypal account is XXXX XXXX XXXX
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 : Incorrect Name - XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, FL, XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 
7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX
Product: Checking or savings account

Shortly after opening my account at M1 Finance my rate of return was reporting incorrectly. It has been escalated dozens of time with no fix. When I attempted to call in after almost 2 years I get routed to offshore agents who refuse to transfer me to management regarding my ongoing issue and just hang up without transferring thus refusing to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because they are reported wrong. You should corroborate your information and remove the negative information on this account. 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. Kidly remove the late payment from this account : XXXX XXXX
Product: Credit reporting

I have written three letters to each of the reporting credit bureaus requesting any and all documentation bearing my signature of a Bankruptcy reporting under my social security number. I also requested the name, address and telephone number of each person they contacted regarding this alleged claim. In each of their responses they have stated that the information has been verified yet no proof has been provided to me. Bankruptcy Courts, Federal Courts, and any clerks office associated with either of those do NOT report to any credit bureaus. Not only have they not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ) they have also violated the Fair Credit Reporting Act action 623 ( a ) ( 3 ) in which they are now liable for my damages of up to {$1000.00} per occurrence. This is my last goodwill attempt at resolving this matter before I file a small claims suit in the amount of {$5000.00} for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud, and 3 ) Violation of the Fair Credit Reporting Act against each credit reporting agency.