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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX Balance : {$7800.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  Balance : {$7800.00} XXXX XXXX XXXX XXXX  Balance : {$2800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7800.00} XXXX XXXX XXXX  XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

I submitted a fraud claim to Discover for a new credit card opened up where I saw several unauthorized charges in XXXX and XXXX from the beginning on XX/XX/2022. The XXXX department opened a claim/investigation and I spoke with someone from that department maybe XXXX times during the investigation to provide additional details. XXXX XXXXXXXX I noticed that all of the charged were reversed from the adjustments made resulting in my account balance being increased again. I am not responsible for these charges, I did not authorize anyone to make these charges and they need to be removed permanently. Discover is negligent in protecting me as a customer when the card is supposed to be secure with a number of protections in place as their client.
Product: Credit card or prepaid card

This Account is Fruadulet, Under the Fair credit Act, This XXXX XXXX XXXX  Account was open Fruadulet.
Product: Credit card

XXXX XXXX XXXX XXXX is inaccurately reporting multiple delinquencies to my credit report. Attached is payment that was accepted by the IRS on XX/XX/XXXX and mailed to the address of Comenity Capital Bank on XX/XX/XXXX. Comenity Capital Bank has since repeatedly reported deliquencies and added several additional charges to my account.
Product: Checking or savings account

I don't know why Chase just lock my account and I can not use my app on Friday XX/XX/2023. I called them and they just unlock my account without telling my anything. Today, XX/XX/2023 I want to transfer my money to a friend and it's been auto cancelled and I called them again they just told me my account is locked forever and I can not transfer or withdraw any money of my account. Still they didn't tell me the reason and I don't know why and I have no money to live at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX routinely allows companies to conduct credit checks to my credit profile causing my credit score to go down significantly but when trying to get to the bottom of why companies where allowed access to my credit profile. XXXX has no real answer. Moreover, they have decreased my credit score significantly and after I 've reported to them, that I did not ask companies to check my credit, they want me to ave my credit frozen. Meanwhile, they have keep my credit score very low, costing me loan approvals.
Product: Credit reporting or other personal consumer reports

According to my consumer report I received XX/XX/XXXX there was an error that on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX acct XXXX there is a late payment posting there has never been late on this account i have tried to fix this issue with XXXX credit bureaus as a result it came back as just an updated account still publishing a late payment that needs to be removed immediately.. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. This account XXXX XXXX XXXX needs to be updated as paid as agreed, NO LATE PAYMENT on XXXX, XXXX, XXXX and any other furnishes of my personal credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items need to be removed from XXXX, XXXX, and XXXX these aren't my accounts and were told they were going to be removed and I will seek pressing charges XXXX 1.XXXX account number XXXX date opened XXXX XXXX original balance {$390.00} 2. Inquiries XXXX XXXX  inquiry date XXXX not my inquiry XXXX XXXX Inquiry XXXX not my inquiry XXXX XXXX  inquiry date XXXX not my inquiry XXXX inquiry date XXXX not my inquiry XXXX XXXX inquiry date XXXX not my inqiury 3. Us Department of educationXXXX accounts have been paid 4. National Credit Adjuster account number XXXX not my account 5. Late payments from XXXX XXXX  account number XXXX XXXX XXXX. Inquiries XXXX  XXXX XXXX Inquiry date XXXX not my inquiry US Department of Education inquiry date XXXX not my inquiry 2. National Credit Adjuster Account number XXXX not my account 3. Us Department of educationXXXX accounts have been paid 4. late payments from XXXX XXXX  account number XXXX XXXX 1. National Credit Adjuster account number XXXX not my account 2. Us Department of educationXXXX accounts have been paid 3. late payments from XXXX XXXX account number XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I am XXXX by the discovery of a late payment notation, despite not having any late payments.
Product: Money transfers

I completed a money transfer today XXXX/XXXX/2016 to XXXX and had been notified by the recipient that there is no record of the transfer. After tracking on the website it states that there is no record of the transfer.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a certified letter to Transunion Credit Bureau requesting that they update my personal information ( see attached ). The certified letter was delivered to Transunion on XX/XX/2024. On XX/XX/2024 I received a copy of my credit report with no update to my personal information. I am filing this complaint based on no automatic investigation performed by the credit bureau in updating my personal information and failure to comply with FCRA regulations.
Product: Vehicle loan or lease

have a new car lease thru GM Financial Making payments to account number XXXX. Monthly payments are {$220.00}. I make payments from my XXXX XXXX checking account. on XXXX XXXX 2017 a payment came through for {$22000.00} and was received by GM Financing but not credited to my account. It appears to me the decimal point was placed in error. I called the bank to stop payment but it was too late. I then called GM Financing to get the over payment returned to me. I seem to get the run-around from these people for two months. My last call to GM Financial was today ; I was pit on hold for 30 minutes and never talked with anyone.
It seems like they think they can keep the money.
hard to believe GM would do something like this.
I simply want my over payment {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw three derogatory marks on my XXXX credit report, all from Mountain Land Collections, and disputed all three. Two of them were removed, but one of them was " verified '' as me. Then the website would n't allow me to dispute again, so I called XXXX. An employee there said a last name that was not mine was associated with my account, I asked him to remove it and submitted another dispute. XXXX then sent a letter stating there was nothing they could do. I 've also contacted the collections company, Mountain Land Collections, several time and spoke to XXXX XXXX every time. I 've explained the situation and they 've remained unhelpful and asked me to submit a letter of dispute. I feel as though they used me to get false information, which they 've added to this person 's account. They also gave me a lot of information on the person to whom the medical bills actually belong, such as her phone number and address. I 've contacted the hospital that Mountain Land Collections told me they received the bill from, and they 're working to rectify the issue. 

The derogatory mark is still on my account, it 's for a hospital collections in Utah, when I 've never been to Utah, or been in the hospital. I 'm concerned, as through calling around I 've discovered the person it belongs to has the same birthday and first name as me. XXXX was extremely unhelpful and I 've called multiple times. The collections marks have been on my credit since XXXX and it 's XXXX now with no resolution in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit monitoring alert a little after XXXX EST on XX/XX/XXXX, stating that a lender requested a copy of my credit file. When I logged into my XXXX  and XXXX XXXX  portal, it was clear that Continental Fin Co had in fact pulled my credit without my authorization. I have not applied for any products with this merchant. Furthermore, the address that the consumer provided to XXXX is an address that is over five years old that I have not occupied since XXXX.
Product: Credit reporting or other personal consumer reports

This morning, I discovered some incorrect accounts listed on my credit report, and Im completely confused as to how this happened. I check my report regularly, and today I was blindsided by errors that didnt make any sense. I tried refreshing my browser, thinking it might be a technical issue, but the mistakes didnt disappear. I feel helpless and just want the documents Ive sent to be reviewed thoroughly so this doesnt happen again.
Product: Credit reporting or other personal consumer reports

I have tried disputing the bankruptcy on my credit file for almost 10 years now ( XXXX is 10 years ), everytime I get back verified through XXXX. I called court house to see if they disclose any bankruptcy information to third party companies in which they said NO we do not. XXXX just removed it a few days ago and XXXX, Transunion will not remove. 
Im requesting original validation, which none of them have. They are putting on credit report without having validation of the account. Disclosing public records without proof is violating my consumer rights. This has affected me for 10 years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX ... SYNERPRISE  ( Original Creditor : XXXX XXXX  ) XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago a vehicle was incorrectly listed on my credit report. All 3 reporting agencies : XXXX, XXXX & Equifax, refused to report it accurately as the lender stated that it was correct. This has made it impossible for me to rent or get a mortgage for over 5 years. Recently, the lender reached out and sent a letter of apology and a cashiers check to make up for their error. I sent this letter to the credit reporting agencies, and they still refuse to remove it from my reports. This is not only scandalous, it should be illegal. I want XXXX XXXX account removed, in its entirety, from all of my reports. 

Thank you, XXXX XXXX XXXX XXXX
Product: Debt collection

We had XXXX XXXX. We were submitted a final bill. I paid the bill and returned the equipment. We received a confirmation that the equipment was received. Then about a month later we get another bill. I called them and asked what the bill was for. I told them we paid our final bill, so I didn't understand. They gave us no reason other than you owe them an XXXX charge. This also happened to my neighbor and my mother in law. No explanation and same amount charged. This is a scam and then they threaten to report us to the credit agency. This is a consumer scam. People pay it because they are afraid to be reported. Look at my credit. Do I appear to be the type of person who doesn't pay my bills!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint against Experian, I want the inquiries removed from my credit file, every time I call constantly transferred, and I want any fraud alert on my credit file removed as I have not gave anyone permission to add a fraud alert, and please remove these four inquiries off my file, I also found out that Experian has had a data breach I went on FTC website and checked my information my information was exposed by Experian and this needs to be corrected by experian i did fill out a claim for the data breach, please remove these four inquiries and any all fraud alerts on my credit alert, j will attach a FTC identity theft report to this complaint and screen shots of the inquiries. 

My information was breach by Experian they need to give free credit monitoring for them breaching my information and please remove all the inquiries and any fraud alerts or any negative accounts being reported on my file, not the good accounts, negative accounts and inquiries
Product: Mortgage

This is perhaps not the correct venue but I do not know where else to address this matter. I am currently required to pay PMI and have petitioned to have it removed from my current mortgage. The response that I received from The Money Source , the current mortgage holder, that I did not have enough equity in the property was a bit surprising as when the house was appraised by XXXX XXXX XXXX, the previous mortgage holder, was for {$320000.00}. The balance is now ~ {$240000.00}. If my math is correct, this " equity '' should release me from the monthly PMI payment. However, I have been informed that since my mortgage was sold to The Money Source, my realized equity was erased essentially and started all over. If this is reality, then every time I reach a point of 80 % my mortgage will be resold and I will be required to pay PMI for the entirety of the 30 years regardless of equity realized. 
This has the appearance of mortgage companies assuring PMI payment collection and fixing the market against consumers in my opinion.
Product: Credit reporting or other personal consumer reports

Experian has Failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed lawsuit against Experian, alleging systemic issues such as failing forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit card

I've been trying to get an application to go through for some time now for a XXXX credit card. They are telling me the application is pending and that I need to get in contact with the 3 credit bureau they listed on the letter they sent me. Well I contacted each of them twice now to make sure no credit freezes or fraud alerts were present or misinformation. They confirmed that nothing was there. When I called XXXX credit card ( Comenity bank ) they told me the same thing. But they have ran my credit several times now and will not give me a decision on the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Product: Credit card or prepaid card

I purchased a {$500.00} Vanilla Visa Gift Card, issued by Incomm, around XX/XX/XXXX at a XXXX gas station in XXXX XXXX. Before I even arrived home that day, within a few hours, my card was already entirely drained by a third party. I filed a dispute with Incomm, and they took 5 months to respond and tell me that they will not be returning the funds to me. They have effectively stolen my {$500.00} from me and left me without any recourse by selling me a compromised product. 

My case number with Incomm is XXXX.
Product: Debt collection

I first learned about this debt collection effort when I was notified by my identity monitoring service of adverse information being submitted to credit agencies. I had never received any bills or notices about this debt in the mail. The identity monitoring service gave me the name and phone number of the debt collection agency. I called the debt collector on XX/XX/XXXX and learned the original bill related to an XX/XX/XXXX visit from a year ago. For some reason, they had the hospital 's address listed as my home address ( although they did not recognize it as such ), so that any bills, statements, and notices that may have been mailed were sent to the hospital rather than to me, which is apparently why I never received any notices. I had received other bills in the mail related to this visit ( ambulance, the doctor who examined me ), so it 's not clear why neither the hospital or collection agency could find my correct mailing address. After several more phone calls, I finally received a bill in the mail on XX/XX/XXXX, but the amount was higher than my insurance company said I should pay after accounting for payments they had already made. When I called, I was told to have my insurance company fax an Explanation of Benefits to the collection agency, which I did on XX/XX/XXXX. I called the collection agency back on XX/XX/XXXX, verified that they agreed with the lower amount, and was told to mail them a payment for that amount, which I did on XX/XX/XXXX. They also told me they would send me a verification letter upon receipt of my payment, and that they would also notify the credit agencies. My bank shows that my check was processed on XX/XX/XXXX. After not receiving anything further in the mail, I again called the collection agency on XX/XX/XXXX, and was told that my balance was now XXXX and that the debt was paid in full. I again requested a confirmation letter and notification to credit agencies. After hearing nothing, I again called on XX/XX/XXXX, and was told that processing could take 30 to 45 days. As of today ( XX/XX/XXXX ), I still have not received my requested statement showing the bill has been paid, even though the check was processed over 2 months ago. It also appears that no updates have been submitted to credit agencies, so that they are still showing that I have an outstanding debt in collection.
Product: Money transfer, virtual currency, or money service

I used Zelles money transfer service in XXXX XXXX XXXX online to transfer {$3000.00} to my mom on XX/XX/2020. The transfer service requires that you use a phone number or email to send to the recipient : in this case, I used my moms cell phone number. My mom registered her Zelle account a few hours later the same day of transfer using her cell phone number. The transaction was marked completed ; however, the money was never deposited into my moms account. I contacted the Zelle Recall Team at XXXX XXXX XXXX to file a claim. They said it would take up to 40 days to investigate. After 40 days. Zelle said that the money was deposited to the recipients account, which it did not. I reached out to the Zelle team again this time with my mom on a 3-way call to verify that she did not receive the funds. Zelle said that the money was deposited to an account that had the same phone number as my mom before my mom registered her phone number with Zelle on the day of transfer. My mom has had the same cell phone number for over 15 years. Zelle said they could not recall my money unless the recipient authorizes them to do so during their claim investigation.
Product: Credit card or prepaid card

I applied for a credit card that I was said to have outstanding approval odds for through discover it, upon applying for the card I was denied for " insufficient credit history '', I attempted to inquire about how much credit history would be needed and they refused to answer, I am a young male, and I feel like this was an excuse to deny me for my age as I have XXXX other cards that all had no issues with my credit age and even a mortgage that didn't have any issues with credit age, yet they do, but can not tell me how much I would need. Discover needs to stop this discriminatory business practice and evaluate credit applications fairly, I have 100 % on time payments on 3 credit cards, a mortgage, a fully paid off personal loan, and a car loan.