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

I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Product: Vehicle loan or lease

Chrysler capital is stating that XXXX XXXX has a credit alert on my report and is showing the wrong phone number and they cant verify. I called XXXX XXXX and they said they dont have any inquires from Chrysler today on XX/XX/28 and that there is no credit alert
Product: Consumer Loan

My husband and I got a revolving line of credit loan in XX/XX/XXXX. We bought a credit life insurance policy to cover the loan. My husband died in XX/XX/XXXX. I told the lender about his death many times and asked them to use the policy to pay-off the loan but they ignore me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting the same debit twice from 2 different companies which is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XX/XX/XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not removing the inserted theft off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX Balance : {$34.00} Inquiries not tied up to positive accounts : XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : ONEMAIN XXXX XXXX XXXX XXXX, IN XXXX XXXX Those dates are : 1. XX/XX/XXXX 2. XX/XX/XXXX 3.  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is still reporting inaccurate information on my credit report after I have disputed this information several times, sending drivers license with correct address information and the police report filed when this happened. I was a victim of identity theft when several accounts were opened under my name and Transunion did not investigate or try to resolve this matter. I am in the process of buying a home and because of this issue I have been unable to provide a home for my XXXX. This is why I want to file a formal complaint against Transunion since XXXX and XXXX have investigated this case and deleted the incorrect information. This is unacceptable and it is my right under the FCRA to have this information deleted from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

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

TransUnion. Disputed a derogatory account that shows as a medical charge off but I had insurance during that timeframe frame as well as the main hospital having no knowledge of this company or account. XXXX XXXX XXXX in Arizona as well as the charge off and during COVID all medical debts concerning should have been covered 100 percent and this company showed up on credit with incorrect dates no payment agreements no contact no proof of ownership or correct information. I disputed twice and it was removed and placed back on my credit both times. I called directly to TransUnion and told it would be guaranteed to be removed and when it wasnt I called back and was told that agent lied.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 i filed certified mailed in disputes to dispute fraudulent activity on my credit report. i asked the credit bereau known as Transunio, XXXX, to complete and remove all negative items they had 30 days to resolve the dispute instead they did not ccomplete my dispute in a timely mannere by law thety have to remove those disputed items they are constantly letting these fradulent creditors report inaccurate items on my credit report im a victim of idenity theft i have no knowledge of any potential negative items or any items reflecting on my credit report please have the credit bereau to remove all negative items from my credit report im currently going through a attorney to legally sue the companies for reporting fraudulent information and selling my personal information to every creditor refectin gon my personal credit report items negaive are XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCLUDING ALL INQUIRIES NEEDS TO BE REMOVED AS WELL
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX  Account number:XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account numberXXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX XXXX Account numberXXXX Account name : XXXX  Account numberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I have sent numerous requests to this company regarding the failure to provide me the past due amount they state I owe along with providing me my CAR TITLE for a vehicle that was paid off in XX/XX/2012. Department of Motor Vehicles law states failure to provide the title within the 30 days after loan is paid in full results in an automatic {$25.00} penalty, plus another {$25.00} for each month the title is late.
Product: Money transfer, virtual currency, or money service

I immediately called the Cash App customer service line and informed them of {$100.00} that was taken out of my account without my consent or knowledge it was fraud. It was debited by XXXX XXXX XXXXXXXX XXXX XXXX. I was told file a report and I did and emailed the police report to Cash app. 

I have not received the refund owed to me and been given run around know for a month.
Product: Credit reporting or other personal consumer reports

I am personally filing this complaint to address an issue regarding late payment entries on my credit report. Upon reviewing my records, I discovered these late payment listings. However, more than 30 days ago, I sent correspondence about this matter, but I have not received a response, and they have failed to provide me with adequate validation of these supposed late payments. I kindly request your assistance in resolving this issue promptly and satisfactorily.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of my account with XXXX XXXX XXXX  XXXX ( Account XXXX : XXXX ) on my credit report. The account currently displays incorrect information, and I believe the reporting does not comply with the Fair Credit Reporting Act ( FCRA ). Specifically, the following issues require attention : Account Information : Company Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Contact Information : Phone : ( XXXX ) XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Disputed Issues : 1. Incorrect Payment History : My credit report inaccurately reflects the payment history with multiple entries marked as XXXX for XX/XX/XXXX, despite making regular payments. This appears to be a coding or reporting error.

2. Incorrect Payment Amounts : The report indicates a charge-off amount of {$2900.00}, marked as XXXX XXXX XXXX XXXX XXXX {$2900.00}. However, I have made payments that should have reduced the balance over time, and the current balance does not accurately reflect these payments.

3. Balance Reporting Issues : The balance for the account is inconsistently reported, with figures such as {$2300.00} appearing on multiple dates. These figures do not align with my actual account status, given the payments I have made.

4. Account Status Clarification : The report indicates that the account was XXXX in XX/XX/XXXX, with a status of XXXXXXXX XXXX XXXXXXXX. There is no explanation provided for the reason behind the accounts closure, nor does it reflect the payments made since closure.

Legal Basis for Dispute : This complaint is filed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 - 1681x, which mandates that consumer credit reports be accurate and complete. Specifically : 15 U.S.C. 1681e ( b ) : Requires that credit reporting agencies maintain reasonable procedures to ensure maximum p
ossible accuracy in the reporting of information.

15 U.S.C. 1681i : Mandates that consumers have the right to dispute inaccurate information, and the credit reporting agency must investigate and correct or delete any information that is found to be incorrect.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Requires that companies providing information to credit reporting agencies ensure the accuracy of the information.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports and noticed some accounts that was not reporting accurately. I had late payments on accounts..that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, these account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates for the credit card ( XXXX  XXXX XXXX XXXX dated for XX/XX/XXXX ) and for ( XXXX XXXX XXXX XXXX dated for XX/XX/XXXX ) I'm now requesting you investigate these accounts and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Mortgage

For the past 14 months Selene Finance has not been accurately reporting payments they have received. We have been paying them on time every month, and they have been sending delinquency notices to each credit bureau. They also claim that we owe XXXX dollars when in fact they are holding it in a suspense account and are not applying the funds the way they should. When we call them to rectify the situation, which are monthly calls, we are told it will be 30 days before we see the problem has been corrected. 30 days has come and gone 10 times.
Product: Checking or savings account

The company closed my accounts after somebody stole my card an deposited to bad checks in my account an withdrawed the money now they want me to pay the money back
Product: Credit reporting or other personal consumer reports

Realized that I was a victim of identity theft on XX/XX/XXXX. Since then, I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter. The letter that I have attached was the last letter mailed out on XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/2020 we closed a refinance mortgage with cash out of {$87000.00}. We requested the wire proceeds be sent to our checking account with Wells Fargo Bank. We have still not received the wire and the wire has not been returned to the closing agent as rejected. Two things happened that did slow the wire process down. First the wire was flagged for XXXX but has since been cleared per the wiring bank. Second when completing the wire paperwork we left out a digit in our account number. Speaking to Wells Fargo the account number given is not a valid account number so it would not receive a wire. XXXX XXXX who disbursed the funds has called, visited Wells Fargo with all the paperwork with no valid response. Generations Escrow bank XXXX XXXX XXXX  an XXXX XXXX has tried to call Wells Fargo, sending service communication to correct the account number or request the wire returned. They have had no response and were told they could not communicate via phone with them. Our lender has called daily and gone into Wells Fargo with no assistance provided. At this point we are going on 3 weeks paying interest of {$64.00} per day without our funds. We are desperate to receive the wire returned or deposited into our account and are in need of your help.
Product: Mortgage

I attempted to make a payment to my fixed rate mortgage loan in the amount of {$560.00} with the addition of the {$5.00} web fee on XXXX/XXXX/2015. When I went to make my normal payment via Seterus, Inc website it stated that I could not make a payment unless it was less than {$200.00} even though my normal payment is {$560.00}. I called Seterus Inc., on XXXX/XXXX/2015 about the above said matter, I spoke to representative XXXX XXXX on XXXX/XXXX/2015. XXXX XXXX noted that I could not make a payment in the full monthly amount over the phone or on the website as I normally paid because my payment amount due was too low which does n't make sense. I could not get a satisfactory answer so I asked for a supervisor. I spoke to his supervisor XXXX XXXX on XXXX/XXXX/2015 and he said the same thing that I could not make a payment over the phone or online because their system would not accept the payment even though I am not considered late until XXXX/XXXX/2015. They are essentially refusing payment over the phone or through the website even though I would pay my normal monthly amount. Also, Seterus, Inc. made a mistake on my XXXX XXXX, 2015 statement which says I owe a payment of {$490.00} even though my normal mortgage payment is {$560.00}. On their website it says I owe {$560.00} for my normal payment but on my statement it says {$490.00} for my regular payment. Please see attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that you continue to report the dismissed bankruptcy as confirmed within my credi fiile. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for 10 years, the Fair Credit Reporting Act says nothing in srction 1681c relating to bankruptcy about dismissed or filings. The law clearly states from date of adjudication or date of order of relief. 

Any case civil or otherwise, which is dismissed no longer exists, in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681a5 of the FCRA you must delete this information from my credit report and send me a new copy right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello,My name is XXXX XXXX XXXX. I am XXXX years old. I am a XXXX XXXX. I am an XXXX veteran of the United States of America. I object to being treated like this. My Identity was stolen to open credit cards, get cars, set up utility services and cell phone services and other things that I have not been aware of.This needs to stopped.I am demanding that all of these fraudulent account be removed from my name and reports with your agency immediately!
Product: Credit reporting

Issues regarding my complaint with Experians ' reinvestigation policy. I 'm disputing XXXX inaccurate names and XXXX inaccurate address reporting on my file. See attached documents for detailed information. 
Experian was notified in writing via my disputes regarding the inaccurate personal information on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Clearly Experian has had several opportunities to remove the inaccurate information. They failed to reinvestigate and remove the disputed inaccurate items within the 30 days as required by the FCRA. 

Experian fails the FCRA on these counts when disputing personal information. 
1 ) No reinvestigation, they are only comparing disputed information to what was reported in the past. 
2 ) They are not notating the personal information as disputed by the consumer. 
3 ) The personal item disputed must be reinvestigated by the credit bureau if notified ... period. There is no negotiation or justification or reason that the credit bureau gets to use to avoid processing the dispute. The FCRA is completely clear on this point. 
The FCRA does not say to contact the furnisher it clearly states to contact the credit bureau. They state that the address I questioned is a part of my credit history, it can only be a part of my credit history if it 's accurate, verifiable and not obsolete. I 've clearly provided documentation that shows that it 's not. 
Simply stating that the information was provided by a furnisher is not a reinvestigation. Experian 's policy is that if personal information found on the header of a consumers file was reported by a furnisher that the information is forever tied to the creditor 's listing. 
Experians ' printed explanation of why they report inaccurate information is not acceptable. They state " ... which may result in variations of your names, address, social security ... '' " XXXX or more sources of information reported the address you questioned and it is a part of your credit history ''. Absolutely unacceptable disregard for maintaining an accurate credit file. I do not have these issues on my other XXXX credit bureaus, they cleaned up my inaccurate personal information without delay ; only Experian does this and when they retain this inaccurate information they pass it forward to other creditors who look at my credit file and continue to disseminate an inaccurate version of my personal information which when applying for a mortgage or a classified job I must sign acceptance that these AKA 's are mine when they are NOT!