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

I am resending this dispute as Experian marked my previous dispute as there is an unauthorized third party. THERE IS NO UNAUTHORIZED THIRD PARTY. I AM SUBMITTING THIS DISPUTE MYSELF. YOUR COMPANY JUST DOES NOT WANT TO DEAL WITH THIS ISSUE. HANDLE THE COMPLAINT. AGAIN, THERE IS NO UNAUTHORIZED THIRD PARTY INVOLVED. Is my complaint well stated and shows that I am knowledgeable? Do I have well documented disputes and supporting documentation? YES. I am the owner of a legally run XXXX XXXX XXXX so I know the laws and processes. I know how to write an effective dispute and complaint letter. I know the importance of keeping my documents. Again, there is no unauthorized third party. I have attached my driver license and social security card for identification purposes. Process the complaint ... 
I have disputed the account with XXXX XXXX probably four times due to inaccurate information being reported. The company continues to verify the information as accurate. My most recent disputes pointed out that the balance is inaccurate. The company continues to randomly change the balance. The balance is now reporting as {$810.00} with Experian and {$800.00} with XXXX, but that could change at any moment. The original charge off balance was {$680.00}, which I pointed out in my dispute letter. There is no added interest to this account. I have attached a document directly from the company sent to me on XX/XX/2021 that shows the balance as {$680.00}. Please look at the document. At the same time, the company continues to report a higher balance to the credit bureaus. This is not right and is against the Fair Credit Reporting Act. Experian can not allow companies to report inaccurate information after a consumer disputes the information and provides proof. This is my second documentation to Experian about the balance. The information has not been corrected and the account is still reporting inaccurately on my credit report. Experian claims that they did not receive my most recent dispute in XX/XX/2021, but this is not true. I sent a letter on XX/XX/2021 via USPS certified mail that was received at Experian on XX/XX/2021. See the attached Certified mail receipt. I am filing a separate complaint about this, but I wanted to include the mail receipt because I sent documentation with this dispute letter proving the balance for this account is reporting inaccurately.
Product: Credit reporting or other personal consumer reports

Equifax has placed an account # XXXX on my account. This is not my account. How did they place this on my credit report? How many mistakes must they continue to make without respite or without repercussions? It is clear and quite evident that this is an account that belongs to someone else. It is their job to report COMPLETELY -- ACCURATELY.
Product: Checking or savings account

I called BMO to close my checking accounton XX/XX/23. I was assured it was closed. When trying to confirm this over secure message, I was informed that it was not actually closed on XXXX. 

I called BMO again to close my checking account on XXXX, thinking it was " just an error '' as I know they are merging with Bank of the West. Again, I was assured it was closed. The rep mentioned some issue with the reason for my closure causing a problem. The reason is simply that I am not using the account. 

Finally, after trying to confirm again that the account was closed, I received a secure message response from them on XXXX that my account still is not closed. Today, XXXX I see no indication that the checking account is closed either in my online account-everything is as its been the last few weeks. It should not take months to close an account  with a XXXX balance, nor multiple phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'am a victim of identity theft. I have a fraud alert on all credit bureau 's. On  XXXX   XXXX ,    2017  someone tried to obtain a loan throu gh Lendingpoint. I was no tified from  XXXX  and they began an investigation. A few hours later I received a letter from  Lendingpoint denying my loan because of my credit score, and various other reasons listed on my credit report. Not once did Lendingpoint reach out to me and inform me that someone was trying to obtain a loan in my name. This is the reason for the fraud alert. It is clear Lendingpoint ignored the fraud alert. I called Lendingpoint and explained about the identity theft and the fraud alert and was told no loan was issued. How does this help me? Why was I not contacted? I also want the i nquiry removed from my credit report.
Product: Checking or savings account

Revolut has continually blocked my access to funds, first via using my debit card, then by preventing me from selling cryptocurrency and now by locking the account in full. They have not provided any of the services that they advertise for their metal plan and prevent users from leaving their scam of a bank unless they pay more while they have their funds locked at this XXXX XXXX XXXX XXXX XXXX XXXX 

Both XXXX and Revolut need to be investigated for fraud and financing foreign affairs. This is not an isolated incident. US citizens are having their assets locked away by Revolut and are having to continue to pay the monthly fee to keep open the account that Revolut is holding money hostage in.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i review my credit report on TransUnion and i have unauthorized inquiries that i did not make they are 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

I am writing as a victim of identity theft and a data breach that has resulted in unauthorized accounts and inquiries appearing on my credit report. I request that you block and permanently delete the fraudulent accounts and inquiries listed below from my credit file as permitted under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX  XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$3700.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$820.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$430.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$820.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$820.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I traded my car in with XXXX XXXX of XXXX XXXX. Prior to that I obtained the payoff and the company policy for selling leased car to another dealership. XXXX submitted payment to Mercedes Benz on XX/XX/XXXX for the full amount to payoff the car that included the last two payment left on the lease. Mercedes cashed the check on XX/XX/XXXX. Meanwhile, they continued to show my account as delinquent. When I contacted them, they told me that they had an update on their computer system and my payment will show as soon as that's completed. A week after, I started receiving calls from Mercedes about being delinquent and letters threatening repossession. I called again and asked to talk to a supervisor. He was rude and tried intimidating me, instead of listening to me asking him to look into it, because there is a cashed check for the full amount. I called XXXX and asked for their help. They contacted Mercedes and were assured that my account was credited for the full amount. I was still getting calls from Mercedes about delinquency. Finally, XXXX was able to straighten the matter out, but Mercedes refuses to delete the delinquency from my credit report with XXXX, even after I provided copy of the cashed check.
Product: Debt collection

Someone stole my information a couple of years ago and opened a lot of credit cards etc. I don't have any knowledge of these accounts.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I see that the account was last reported dated XX/XX/2016, date last active is the same. Was claimed as collection but I see all payment on payment history are OK. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported on my account on all three credit reports as amount delinquent. The company has reported Account charged off in {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. Yet the full amount this was reported on form 1099c as cancellation of debt but still reporting to credit bureaus as of XX/XX/XXXX and continuously for the last few years. The account number for this account is XXXX. The address for XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX.
Product: Credit reporting or other personal consumer reports

Account payment never late. Spoke to XXXX representative could not understand that person. Bad language barrier. Remove late payment immediately or civil lawsuit will occur
Product: Debt collection

I received a debt collection notice from Frontline Asset Strategies ( XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX ) reporting that I had a debt to XXXX XXXX a company I do not and have not ever had an account with. I responded to them in writing as requested informing them the debt was not mine, and in return received a letter with the " information your current creditor is able to provide you '' that was a poorly photocopied form asking for a copy of my driver 's license and SS # and zero evidence that I have an account with XXXX. I contacted XXXX directly and verified there is no record of an account in my name or address, so I believe this debt collection agency is a scam attempting to collect personally identifiable information and money by threatening debt collection when no such debt exists. I have also verified that my credit reports show no open XXXX  accounts or debt in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASK FOR PROOF OF CONTRACT AND HAVE YET TO RECEIVE IT THESE ACCOUNTS ARE THIS LISTED ON MY CREDIT REPORT AND NEED TO BE REMOVE ASAP
Product: Mortgage

APPLIED FOR A MORTGAGE ON OR BEFORE XX/XX/2023 TOOK A LONG TIME BEFORE LOAN CONSULTANT GET BACK TO ME NO IDEA AS TO WHAT IS HOLDING THE PROCESS WAS WAITING EMPLOYMENT VERIFICATION SINCE LAST FRIDAY XX/XX/XXXX TILL NOW I HAVE NO IDEA IF I WILL BE GETTING A LOAN OR NOT
Product: Mortgage

The lender, XXXX ARM Trust Mortgage Pass-Trough Certificat XXXX XXXX XXXX, XXXX XXXX Bank XXXX XXXX, as Trustee as Serviced by Specialized Loan Servicing LLC, which I have my mortgage loan for my home located at XXXX XXXX XXXX, XXXX, CA XXXX, is claiming that I have not paid my home mortgage payment since XXXX 2015 which is totally wrong. And to make things worse they reported it to the credit bureaus. Every month we call the lender to pay the mortgage and they take the payment from our bank account, purchase a XXXX XXXX check, which we pay for it. After the payment is done, they send us a copy of the XXXX XXXX receipt. This has been happening for the last 5 years without missing any month. 
At this time our home interest is variable so we are trying to refinance to get a fix rate. When we contacted some lending companies we found out that they are claiming we have not paid them and we got reported to the credit bureaus. On XXXX/XXXX/15 we sent the lender a letter requesting to remove the wrong information reported to the credit bureaus and provided proof of every payment made every month through XXXX 2015. We receipt a letter that it was going to take at least one month to investigate the case. This is affecting our credit as well as stoping us to refinance our home loan. We need to have a quick response as we are afraid that the interest rates will increase and we will not be able to refinance. In addition, about one year ago they were trying to do a short sale with our home saying that we missed the mortgage payment. Again, that was wrong, our attorney deny the request when we proof that we have been making our monthly mortgage payments. We believe these are unnecessary and wrong procedures on their part. We would like them to removed wrong information reported to the credit bureaus, approve and report to the court that they agree that our debts to them through the Chapter XXXX is zero and information can get recorder accordingly. 
We will be happy to provide information to back up our theory. l You can reach me at XXXXXXXXXXXX or you can call me at XXXX with a response to our request.
Product: Credit reporting or other personal consumer reports

LexisNexis reporting responde received on XXXX XXXX is inaccurate. I've spoken verbally with their Business Credit Reporting Department stating every detail lime by line that is inaccurate. I also provided the business filing information confirming the business with XXXX XXXX 

On Received XXXX I received a second phone call from LexisNexis Business Department to go theough each item that is incorrect again. 

LexisNexis customer support stated a false direct business department contact number, it re routes to consumer reporting and they do not work with the business department. 

The false number I was given is XXXX.
Product: Bank account or service

My mother deposited a bad check into my account with Bank of America, we have XXXX different signatures. I had a business account & a personal account, I paid of the remaining balance to BOA, but they closed my account and claims I still owe them money. I paid them {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian opened an account in collections on XX/XX/2023 stating that I owe {$790.00} to XXXX XXXX XXXX, original creditor XXXX XXXX XXXX  XXXX. I have no knowledge of this account and when i disputed it they responded saying the account was verified with no adequate information or showing me proof that this account is mine. It has caused a big inconvenience in my life. I am currently in the process of buying something but can not do so due to this negative item on my credit report,
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently checked my credit report, which im trying to buy a house. And i noticed that i has several inquiries that i did not authorize. This is hurting my credit and stopping me from buying a house these are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i also filed a compliant with the ftc
Product: Credit reporting

I sent off for my annual credit report about a month ago, and no repond back.i made preparation to file Bankruptcy, but was delayed by XXXX, XXXX, and Transunion that had set me back with my Bankruptcy case that been filed.
Product: Debt collection

XXXX signed up a contract on recorded line. I was promised {$49.00} a month with free {$150.00} visa card and free XXXX XXXX XXXX for 1 year. The price would then go to {$64.00} the 2nd year. After signing up I was never sent the visa card and charged the FULL MONTHLY amount for XXXX XXXX XXXX instead of free.. I tried rectifying more than a dozen times with XXXX. They refused to fix the error and would not playback the recorded conversation when the order was placed. I went through upper management several times, they would not fix the error. I canceled my service and requested a refund, they denied the refund. I stopped payment and told them I would pay the promised monthly fee but XXXX said no. This was a BLATANT bait and switch and did not deliver the promised merchandise. Since then they have been sending creditor after creditor to try and ruin my credit. This time it is Franklin Collection Services who had once again reported an erroneous debt to the Credit Agency 's. I WANT THIS REMOVED AND THE CHARGE COMPLETELY ENDED!! I NEVER RECEIVED THE PROMISED MERCHANDISE OR SERVICES!!!.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed 14 credit inquiries that I find to be problematic. 

The inquiries in question are : XX/XX/XXXX XXXX XXXX/XXXX   XXXX, XX/XX/XXXX XXXX  XXXX/XXXX,XX/XX/XXXX XXXX   XXXX/XXXX, XX/XX/XXXXXXXX  - CARD SERVICES, XX/XX/XXXX XXXX - CARD SERVICES, XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX, XX/XX/XXXXXXXX  - CARD SERVICES,XX/XX/XXXX XXXX/XXXX,XX/XX/XXXX XXXX XXXX DEALER SERVICES, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX. 
I contacted all these companies, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue over 2 months to no avail. Now I'm asking you to investigate these inquiries Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter,
Product: Checking or savings account

My debit card was used multiple times with XXXX XXXX. Close to 20 unauthorized transactions with different amounts totaling {$8100.00} in fraud. Not one of these transactions were flagged and it was until I finally received a fraud alert that I called in and submitted a claim. I never done business with this merchant. Citizens bank has not been helpful in providing me provisional credit. They drained my checking account at the end of the month and now Im behind with my landlord and other creditors
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX & XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for reporting several accounts on my credit file that are the result of unauthorized use of my Social Security number. These accounts were not opened by me and are not connected to any actions I have taken.

Under 15 U.S. Code 1681c2, I am requesting the immediate removal of the following accounts from my credit report within 4 days : XXXX  Account # : XXXXXXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX Account # : XXXX TransUnion 's failure to properly investigate my dispute mirrors the issues highlighted in the CFPB and FTC actions against TransUnion for its illegal credit reporting practices. According to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), TransUnion engaged in practices that violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate consumer disputes, providing inaccurate results, and allowing errors to persist on credit reports. This harmful behavior significantly affected consumers like me, and it is a violation of my rights as outlined under the FCRA. 

Attached to this complaint is a dispute letter that I sent to TransUnion on XX/XX/year>, which is dated and time-stamped. Despite this, TransUnion has failed to resolve the matter appropriately. 

I have also included proof of identity and an FTC report to support my claim. I trust TransUnion will handle this matter promptly and ensure these inaccuracies are removed.
Product: Checking or savings account

XX/XX/2024, XXXX {$100.00} bills was tried to deposit into a chase ATM at their bank location. After the ATM took the {$600.00}, it didnt said it was deposited or anything other than a little receipt came out to call XXXX. I parked the car in their parking lot and called to filed a claim. They put in the {$600.00} into my account but on XX/XX/2024 they took the {$600.00} back saying during their investigation they cant find the {$600.00}. I call and had the investigation reopened but was closed again. Was told XXXX is not responsible for the customer to used their ATM, the ATM at chase bank location is owned by a XXXX party. The XXXX XXXX told them they didnt find the missing {$600.00} and that was it. I asked if chase look at the video from the ATM, and was told they dont have access to that during their investigation. The manageXXXX at XXXX XXXX department told me theres nothing the bank can do and its on me for using their ATM and wont give me anymore information on what to do next.
Product: Credit card or prepaid card

Date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX CONSUMER SOLUTIONS XXXX XXXX XXXX XXXX, PA XXXX ATTN : DISPUTE/CLIENT RESOLUTION XXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX, was denied an extension of credit by Goldman Sachs Bank USA XXXX On XX/XX/2022, I applied for AppleCard. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( a ) ( 3 ) and you assume civil liability pursuant 15 U.S Code 1691e. 

Goldman Sachs Bank USA has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022 via email is both proof and evidence that I have been discriminated against, you are also criminally liable. Goldman Sachs Bank USA should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.