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

The collection agency has re-aged 6 accounts according to the original creditors date of first delinquency. I asked them to delete the accounts immediately but have yet to do so.
Product: Credit card or prepaid card

An account was opened fraudulently onXX/XX/XXXX with my information. I became aware of this in XX/XX/XXXX and informed Dignifi, I then received a packet to send them materials to dispute fraud. I did this in XX/XX/XXXX, I also hired a fraud protection company that also sent those same documents in XXXX XXXX 
The credit bureaus concluded after their investigation that this account was fraudulent and removed it from their records. 
However, even after nearly 60 days Dignifi continues to refuse to close this fraudulent account in my name. 
Everytime I call they appear to have no knowledge of the case, and there is no way to contact a fraud department, even though they had stated previously they received my documents. ( including in a previous complaint lodged here ).
Product: Credit reporting or other personal consumer reports

In response to my previous complaint # XXXX on XX/XX/year>, I received a letter dated XX/XX/year> with a report number of # XXXX. This letter was titled Your Dispute Results and continued to state their investigation of my dispute was complete. It provided no additional methods of contacting the company other than those I had already tried to use and were not usable. 

Only I did NOT dispute anything in my credit report. I filed a complaint because I can not access my account to unfreeze my report. I was also unable to address this issue with their online phone system which repeatedly refused to transfer me to a live agent. This happened multiple times during regular business hours. 

Again, this correspondence does NOT address the issue which I filed the complaint about.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Reference # XXXX, US DEPT OF EDXXXX Account # XXXX has violated my rights. 

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

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My identity was used fraudulently to open a personal loan on XX/XX/XXXX with XXXX XXXX XXXX XXXX account # XXXX balance {$11000.00} This account is fraud .MY identity was used fraudulently on XX/XX/XXXX to open this fraudulent account with XXXX  XXXX XXXX account # XXXX {$3600.00} this account is fraud.My identity was used fraudulently ON XX/XX/XXXX to open this fraudulent account with SEQUIUM ASSET SOLUTIONSaccount # XXXX balance XXXX this account is fraud i never had any of these accounts they are all fraudulent.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to respond to my credit report dispute within the 30-day period required by the Fair Credit Reporting Act ( FCRA ). I mailed a dispute letter to TransUnion, challenging inaccurate items on my credit report. A copy of this letter is attached for your reference. Under the FCRA ( [ 15 U.S.C. 1681i ( a ) ( 1 ) ] XXXX XXXX XXXX XXXX XXXX  ), TransUnion is obligated to investigate and respond within 30 days. As of today, XX/XX/year>, I have received no response, which violates my rights under the law.
Product: Credit reporting or other personal consumer reports

This is completely inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

To whom it may concern, I need your help to return my money from Bank of America.

On XX/XX/XXXX, I was paying my Bank of America credit card balance online and by mistake, instead of {$1500.00}, I transferred {$15000.00}. When I realized this mistake I contacted Bank of America customer service department, and requested a transfer of {$13000.00} back to my XXXX XXXX XXXX   account. I provided all account information bank routing number and account number.

On XX/XX/XXXX, Bank of America made a readjustment and debited my credit card account for the transferred amount. I received a letter, stating that {$13000.00} were transferred to the original source. Unfortunately, this money never came to my checking account. After all my contacts and communications with Bank of America Customer resolution department, I did not achieve any results. Three cases were opened, closed, and marked as completed. In order to find the lost money, I requested that detailed information about this transaction is sent me, but Bank of America representatives refused to cooperate and help me solve this problem. 
At the time of the first transaction, I did not have enough money on my checking account, and this money came from my XXXX XXXX XXXX  credit card, linked to my checking account for overdraft protection. Now I am paying daily interest for this amount, and already paid about {$400.00} dollars. 
Please help me resolve this problem, and return this money to me.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX went to XXXX XXXX in XXXX, Ky to get a {$2500.00} loan. They used my XXXX XXXX and personal property as collateral. Before arriving I told them I did not want any credit insurance. They told me there was none on the loan. I get there and they start going over the paper work and asked who I wanted as my beneficiary for credit life. Told them credit insurance was not supposed to be on the acct, they said it was only {$46.00} and had already did the paper work so I took it even thought I didn't want it so they didn't have to redo all the paper work. When I get home and my girlfriend looks over the paper work she noticed there was personal property insurance with a premium of {$280.00}. Since it was after XXXX XXXX Friday night I called today Monday XX/XX/XXXX and talked to XXXX and told her I didn't want any credit insurance at all and she said it was required on the loan. It is not required on the loan and she didn't disclose that it was included in my loan. She skipped over that part of the contract. She refused the cancel it. The terms of the note was not disclosed to me and credit life and personal property insurance was forced without my knowledge and I am being charged interest on insurance I didn't want and they knew I didn't want it. Went to get a {$2500.00} loan and ended up financing {$2900.00} without knowledge because she ( XXXX ) skipped over that part of the note. I called the insurance company to cancel the insurance and they referred me XXXX at XXXX XXXX home Office who said that she did not know the laws and I would have to contact the branch who had already forced insurance on my loan without my knowledge and refused to cancel it.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months I disputed an unknown debt with XXXX XXXX and it was removed from my credit report. Now, late XXXX or early sometime this month, the debt was added back to my credit report under the collections agency of Jefferson Capital. I disputed this recent debt earlier this month and it was n't removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed. 


1. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.
Product: Credit reporting or other personal consumer reports

Inquires on my account that I am not familiar with : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The " XXXX XXXX Reported '' field on my Equifax report for the account " XXXX  '' keeps changing each month, and is currently listed as " XX/XX/XXXX. '' THIS IS INCORRECT. 

It is impossible for this date to be in XXXX because the account was settled at {$0.00} in XX/XX/XXXX, with no activity since then. 

The " XXXX XXXX Reported '' date for this account should be listed as XX/XX/XXXX. 

The incorrect " XXXX XXXX Reported '' date is re-aging the debt, a serious violation of the Fair Credit Reporting Act under Section 623 ( 5 ) ( A ). 

I have disputed this issue multiple times via certified mail. If Equifax can not report this tradeline accurately, they must delete it from my credit report.
Product: Mortgage

Amerisave has the worst customer service of any mortgage company I have ever dealt with, from the start I should have realized when it took much longer to close and getting loan officer to call back took multiple tries. Amerisave mortgage is not reporting my payments and says that I show being in an active Bankruptcy 7 months after it was discharged. I informed them in the beginning of XX/XX/2020 that it had been discharged in XXXX. I have on multiple occasions told them and a simple look at my credit report reflects this information but amerisave refuses to correct the information and report my payments. My online account with them has been locked since we filed in XX/XX/2020 and they charge {$11.00} to make over the phone payments. They did inform me I could mail check payments in however this is very inconvenient and would not be an issue if they corrected the information on their end. I requested information from a customer service representative named XXXX about a the break down of my payment and the escrow accounts and was told that it was against company policy to give out this information without a written request for accounts under an active bankruptcy. She told me to speak to XXXX the Loan Processor which I left 2 messages for today.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This afternoon, I found unauthorized inquiries on my credit report that werent there before, and I have no clue why. Refreshing the browser didnt fix it, which left me feeling upset and frustrated. Please take a thorough look at the documents Ive submitted to resolve this issue permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 1. XXXX XXXX XXXX acct # XXXX 2. XXXX XXXX XXXX acct # XXXX 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
Product: Credit card

CitiBank closed my Double Cash Credit Card account # XXXX XX/XX/2016 without explanation and refused to respond to my inquires. At the time of account closure, I accumulated {$200.00} in cash back rewards which I can not redeem anymore give my account status. I would like CitiBank to send me a check for the {$200.00} in unredeemed rewards. 

Thanks, XXXX XXXX
Product: Debt collection

I received a collections notice from Allied Collection SVCS around XX/XX/XXXX regarding a XXXX Bill they claimed that I owed. I called the collections company and explained that I have not had a XXXX account since XX/XX/XXXX, have always paid all bills in full, and this is the 1st notice that I have ever received. The total they claim owed is {$4500.00}. <P/>The company could not access any records or provide any proof that the debt was owed. The collection action is on my credit report and affecting my credit score.
Product: Credit reporting or other personal consumer reports

Experian has an account under my name and social security thats is definitely not mine. The account is compromised with an identity thief and there is no way for me to get in contact with sombody that can help resolve this issue. The account in under an unknown email. I have valid reason to believe in identity theft and am moving forward with a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.

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 : States a consumer reporting agency can not furnish any account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These unauthorized inquires I've sent on XX/XX/21 have been affecting my credit profile, and costing me thousands of dollars in interest that I cant get back, and also have been costing me job opportunities. It's been embarrassing for me and my family. It's already stressful during these times of covid, and I dont think I should be penalized for it. This is not a regular dispute. I have filed a complaint with the FTC and XXXX, and to my knowledge, I do not recall giving consent or written agreement for any of these inquiries. According to 15 US 1681 ( n ), and 1681 ( o ) this a direct violation of the law, and the fair credit reporting act. I need this problem to be handled expeditiously. I can not wait for another 30 to 45 days in the name of covid. I demand these accounts be removed immediately, please. I will file for litigation due to the stress thats being caused. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.
Product: Vehicle loan or lease

Cerdit Acceptance has information from a past auto loan that I was on. I no longer have the vehicle as it was my ex-spouse 's. They have been reporting the account 180 days past due for the past 5 years with no update to the account since XX/XX/2018. I have attempted to contact the company directly and they do not answer my calls. I have attempted to dispute it through the 3 major credit bureaus and they do not respond to them either concerning this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, EXPERIAN RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ran an unauthorized credit inquiry on me on or around XX/XX/2017.I never give written, oral or signature to authorized such a transaction. 
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence.

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], In addition, as part of your investigation, I am not understanding how these dealerships have salesmen that outright lie and misrepresent a potential customer or client. I was totally unaware that this gentlemen had done this to my credit.

I have another request that I would like to be honored for exclusion / early deletion for the inquiries that are with my permission and I due to fall off in a few weeks. I humbly ask to have XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX If you have any questions or need additional information, please contact me at address listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Phone XXXX Thank you. 

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

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER, given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. After checking all three of my consumers reports with ( Transunion, XXXX and XXXX ) I have no knowledge of the following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I checked my credit report and noticed several billing errors. These late payments don't match my normal payment history. Please fix these mistakes and update my account. Thank you!
Product: Mortgage

I recently called to request a mortgage statement. I was notified that my account was flagged due to BK. Which is a bit incorrect. Filed Ch XXXX/Discharged in XX/XX/XXXX, Mtg not included. I was told I had to send them a written notice to get my statements turned back on. I know this is incorrect because we get monthly statements. Just not consistently. We are purchasing a new home and they needed this. I asked to be transferred to BK dept. I was on hold for over 10 minutes. The lady came back on the line and said, " I can not reach anyone they must be experiencing high call volume, what is it you need? '' I replied, I just need that monthly statement! '' I explained to her that my husband had called the previous night and they agreed to fax both months statements, but then I was told that she had submitted it for approval and it was denied. This makes no sense!! 
Then, I found out they reported that we filed a BK in XX/XX/XXXX, which is absolutely absurd. We have not spoken about, attempted, filed, etc. One and only time was XX/XX/XXXX. I call to ask for a letter to confirm house was not in BK so we can close on new home. They again said, " need a written statement ''. I replied, " Not that again '' Then asked to speak to a manager. Of course, after being on hold for 10 minutes. I hung up. What bothers me more is I can go online, see some of my account. Get payoff requests, see last 12 months payment history, but ca n't get a simple monthly statement? We have never been late, not prior or after BK EVER!
Product: Debt collection

I have a debt that is dated from 2011 that is reporting on my XXXX   credit report monthly impacting my credit scores monthly. This is not a revolving debt. This is a debt for XXXX that was not my debt. Ive requested the original documentation to confirm the account information but have not received any written verification
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX Verified and Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

i have disputed with them XX/XX/year>, XX/XX/year> I request that you provide me with a written confirmation of the corrections made to my credit report within 15 days of receiving this letter.