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

XXXX XXXX XXXX has been reporting to all 3 bureaus, XXXX, XXXX and Experian, that my account has been past due, with missed payments for over 2 years. XXXX is also reporting differently through each bureau. This is an error is XXXX system, as my payment history will show that I have been faithfully making my car payments.
Product: Credit reporting or other personal consumer reports

The following accounts are not mine, they are the product of identity theft, I was living in XXXX when this identity theft occurred, I have contacted the creditors and the credit bureaus to no avail, I am running out of options and the situation is not getting resolved, the accounts in question are : XXXX XXXX XXXX XXXXXXXX {$5800.00} opened XXXX XXXX XXXX XXXX {$32000.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX These accounts were opened and used without my knowledge or consent, I was not even living in the U.S when this happened.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute certain information on my credit report that I believe resulted from identity theft, as well as charge-off entries that inaccurately represent the current status of my accounts. I am seeking resolution in accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ). 

As a victim of identity theft, it is crucial that I take immediate action to protect my credit and personal information. I have identified certain information in my credit file that I believe is a result of this identity theft. Pursuant to 15 U.S. Code 1681c2, I request that you block the reporting of any information in my file that resulted from this identity theft. 

I kindly request that you promptly initiate the blocking process within four business days of receiving this dispute. The specific information that I believe resulted from the identity theft includes fraudulent accounts, unauthorized inquiries, and incorrect personal information. 

In addition to the identity theft dispute, I dispute the charge-off entries related to the following accounts : Account Name : XXXX  XXXX Account Number : XXXX Account Type : Unsecured Date Opened : XX/XX/XXXXXXXX  Status : Collection account. {$84.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXXXXXX  Balance : {$84.00} Balance Updated : XX/XX/XXXXXXXX  Original Balance : {$150.00} I kindly request the removal of this charge-off entry, as it does not accurately represent the current status of this account. The accurate status of my account should reflect that it is not in collection, and the balance should be updated to reflect the accurate amount. 

Account Name : XXXX  XXXX Account Number : XXXX  Account Type : Unsecured Date Opened : XX/XX/XXXX Status : Collection account. {$360.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$360.00} Balance Updated : XX/XX/XXXXXXXX  Original Balance : {$470.00} I kindly request the removal of this charge-off entry, as it does not accurately represent the current status of this account. The accurate status of my account should reflect that it is not in collection, and the balance should be updated to reflect the accurate amount. 

Account Name : XXXX XXXX Account Number : XXXX Account Type : Unsecured Date Opened : XX/XX/XXXX Status : Collection account. {$710.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$710.00} Balance Updated : XX/XX/XXXX Original Balance : {$740.00} I kindly request the removal of this charge-off entry, as it does not accurately represent the current status of this account. The accurate status of my account should reflect that it is not in collection, and the balance should be updated to reflect the accurate amount. 

Account Name : XXXX  XXXX Account Number : XXXX Account Type : Unsecured Date Opened : XX/XX/XXXX Status : Collection account. {$120.00} past due as of XX/XX/XXXX. 
Status Updated : XXXX XXXX Balance : {$120.00} Balance Updated : XX/XX/XXXX Original Balance : {$140.00}
Product: Debt collection

They continue to contact our place of business for a debt for a person who is deceased, XXXX XXXX. After numerous attempts they will not remove our phone numbers from their dialer. I made numerous attempts to get their professional license number but they continued to hang up on me. Their phone numbers are as follows : XXXX, XXXX, XXXX, XXXX and XXXX. They are stating their address is XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX - which is a XXXX Store. 
XXXX XXXX stated that she is the director of collections. She told me I was contacting the wrong place and lied about the phone numbers not being apart of HER company. Below are the names or alias that these scam artists are using. XXXX XXXX/XXXX/15, XXXX XXXX XXXX/XXXX/15, XXXX XXXX XXXX/XXXX/15, XXXX XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15 and XXXX XXXX XXXX/XXXX/15.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding that CFPB has taken action against PORTFOLIO RECOVERY for fraudulent collection behavior. I am a victim of such behavior and the credit bureaus will not investigate on my behalf. Portfolio Recovery has a fraudulent collection account on my credit report in the amount of {$670.00}. They report this as a delinquent derogatory account on my credit report every month and this is a fraudulent account. They continue to update as a negative account every month against me. I have filed several disputes with the credit bureaus multiple times and they have not taken any action to help me. This is a fraudulent account that I do not owe and that is not mine. They haven't proved or provided any agreements or contracts signed by me. They just ignore my disputes and keep on ruining my credit profile every month. The credit bureaus need to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of debt bondage and would like for all of the listed accounts to be blocked and deleted from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. I'm looking forward that the following items will be repaired or removed ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an ongoing issue regarding the late opening of my account. Despite my previous attempts to address this matter, I regret to inform you that the issue remains unresolved. As a valued customer, I am reaching out once again to request your assistance in rectifying this issue promptly. 

I understand that errors can occur, and I appreciate your attention to this matter. However, I kindly urge you to prioritize the correction of this discrepancy to ensure that my account records accurately reflect the true opening dates. Please acknowledge receipt of this message and provide an update on the progress of correcting the opening dates of my account. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

yesterday i checked my credit report through Experian and i found many incorrect informations about me as : 1- My first name 2- My last name 3- My mailing address so i contacted the XXXX '' which is credit report Agency to ask about this wrong informations they told me this informations has been added by : XXXX XXXX which is sent to XXXX XXXX by Quality Asset Recovery I didnt authorize this action Quality Asset Recovery sent : 1- My social Security Number 2- they violated my privacy when i was patient 3- by sending this documents to XXXX XXXX about my illness they violated Section 264 of HIPAA Law violated 5 USC, section 552A 4- i sent them cetified letter 2 month ago to ask them about this collection account they didnt respond me yet untill now due to the FCRA they should respond before 30 days or they have to delete the collection account they didnt do any of these 5- i filed dispute regarding this collection account on the XXXX credit report agency 2 month ago and due to the investigations it has been deleted from my credit report but the collection agency reinserted the collection account on XXXX and XXXX without sending my any mails the section 6o9 of the FCRA says before the collection agency reinsert the collection account on the credit report they have to send mail regarding the collection account before they reinsert it their phone number : XXXX XXXX XXXX their mailing address : 7 XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX - they added a collection account to my credit report for service which is i didnt use and i didnt ask for this service ( I didnt use or receive any services from this company the collection account number is : XXXX 1- I need them to delete this incorrect informations from my credit report 2- kindly they have to get this collection account removed from my credit report from XXXX, XXXX and all credit report Agency which is having my credit report and this collection account on it unless i will have to show up in the court asking for XXXX for each incorrect information they added to my credit report without my autorization +XXXX USD for sharing my Social Security number informations with unauthorized company +XXXX USD for violating my patient Privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been purchasing Experian Credit Check and ID Monitoring through XXXX since XX/XX/XXXX. 

My last credit event was in XX/XX/XXXX. My Credit score changed on XX/XX/XXXX with Experian to XXXX. With no increases or purchases ( and payments made timely ), my score changed on XX/XX/XXXX to XXXX. I was waiting for an increase of score because ( 1 ) I have paid timely over six months, ( 2 ) the holidays were over with no new purchases ( except XXXX which is in it 's XX/XX/XXXX cycle ), and ( 3 ) I am paying off a credit on XX/XX/XXXX, which has a balance under {$900.00}. 

I have had no new inquiries or bad reporting events since XXXX XXXX when interest pushed me over the limit on a XXXX XXXX account. I discussed it with XXXX XXXX. 

I am currently attempting to relocate to my home state of Texas, and I will need to purchase a house. I am building from having to pay off a co-signed obligation in XX/XX/XXXX. I have watched score go up and down and was able to identify the reason until today with Experian. 

I received notification this morning dated XX/XX/XXXX that my score has been updated. It dropped 30+ points to XXXX with no reason. The last alert was a change of address. The dashboard also advertised to buy a 3 agency report. 

I immediately called Credit Check and ID Monitoring. The representative tried to give the XXXX formula speech. I explained over and over that my score had changed and absorbed issues she was seeing. She giggled about the situation. I told her, I would see what FTC has to say about the situation. 

I pay monthly to monitor my report through this service. I should not be given a requirement to purchase a 3 agency report. 

This action can block my ability to purchase a home with NO rationale or evidence. This means Experian is playing with my life. This should not be a power of a company that can not show ethical and accurate information. 

The representation of this company is untrained and limited in empathy and education of the formula. 

I suspect this is a beginning of XX/XX/XXXX move to increase revenue for the company by making current participants pay extra by changing scores for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) received a check from XXXX for funds totaling {$16000.00} to pay off my truck lease. I financed the purchase of the truck through XXXX. On XX/XX/XXXX, XXXX sent a letter to XXXX requesting a completed and signed odometer statement. Apparently the completed and signed odometer statement XXXX sent with the payoff check to XXXX was misplaced in processing. I was sent a copy of the letter " for information only. '' After speaking with XXXX multiple times in XX/XX/XXXX to resolve this issue, it was determined by XXXX that a new completed and signed odometer statement was all that would be needed to close the lease account. On XX/XX/XXXX, a new completed and signed odometer statement was faxed to XXXX, along with a copy of the XX/XX/XXXX letter from XXXX that stated in writing the payoff funds had been received. On XX/XX/XXXX, I obtained a payoff letter from the XXXX payment website, confirming a payoff due of {$0.00}. Apparently the payoff information was not provided to the XXXX leasing division. As a result, the account has been reported to all three CRAs as 30 days late. I filed disputes with all three CRAs, and they are reporting that XXXX verified 30 days late as accurate. This lease account was paid on time with no missed payments, and the payoff amount that XXXX sent was quoted by XXXX.
Product: Checking or savings account

I received a text message from U.S. Bank that I had opened a Smartly Savings account. At first I thought it was spam so I reported this text as Junk on my XXXX. 

Then I also received two emails from U.S. Bank that I had opened a Smartly savings account.

Because I thought it might be spam I checked with our IT and Finance departments at work and they confirmed the email from U.S. Bank was legitimate. So I went to their website and called them. 

U.S. Bank told me the savings account application was flagged as suspicious because the social security number they entered did not match what they had on file for me and the account was not opened. 

U.S. Bank told me to contact ftc.gov and XXXX to report this identity theft.
Product: Checking or savings account

Hello I opened a bank account and was waiting for my debit card to arrive by a mail from M & T bank but I never received it and there has been 8 unauthorized transactions each for {$1000.00} form XX/XX/23 to XX/XX/23 it says atm withdrawal and i was denied of dispute because they think that I had the debit card in my possession while this transaction were made, I visited a branch to dispute the transactions but was denied, can you please help me resolve this issue thanks. And they are closing my account before solving the issue.
Product: Bank account or service

I inherited an IRA and other accounts from my deceased parents in XXXX of XXXX. XXXX XXXX nor Morgan Stanley ever discussed the management fees with me. In XXXX of the same year I realized I was being charged 2 %, it appears as if my mother was being charged 1 % but when the accounts moved to me the rate was increased to 2 %. At this point I had received offers from other investment firms and called XXXX and he setup a face to face meeting on XXXX/XXXX/XXXX. In the meeting he said he was dropping my fee to 1 % so I agreed to stay with Morgan Stanley. 

Fast forward to about 3-4 weeks ago. In reviewing statements I was able to discern I was still being charged 2 %. I called XXXX he said he would research. A couple weeks later I called again after getting no reply, XXXX said there was some manual work involved to figure out exactly when the rate may have changed and that was the reason for the delay. He finally calls again Wednesday, XXXX XXXX. 

This call was especially disturbing. XXXX said he believe the rate changed back to 2 % when the portfolio balance dropped below $ XXXX. I told him we never discussed any such arrangement and the rate was to be 1 %. He follows by saying well going back and correcting it now will open me up to a IRS audit so he 's just going to move the rate back to as close to 1 % as he can to try and make up the difference. I of course respond that 1 % is the rate, was to be the rate, and I want the $ that I 'm owed. He goes on to say that there are .5 - .7 % additional management fees as well. I ask what he means, we never discussed anything of the sort, 1 % was to be the rate and be all inclusive. The call ended with me insisting he refund what he overcharged and him saying, well I 'll run the numbers both ways and show you. 

I feel robbed. I feel as if he is trying to intimidate me with the threat of an IRS audit to get around doing the right thing. I feel as if he 's trying to be a smooth talker but it 's very transparent his intention is to side step this error by manipulating me. Also, I asked another firm to look over my statements and have verified the rate never changed from 2 % to 1 % going all the way back to XXXX. 
Finally I hired an attorney who sent a demand for a response by XXXX/XXXX/XXXX. There was response.
Product: Vehicle loan or lease

I called the company on XX/XX/XXXX requesting them to remove the late payments from my account. I am up to date with my payments, and I am needing the late payments off of my account to help out with the home loan I am trying to obtain. Ally financial told me they would not do this for me, when they actually are able to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, DOB XXXX SS XXXX I've became aware of the following addresses being on my credit report. The addresses listed are inaccurate and I would like for them to be removed:XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have a few issues with account that have been Paid in full with the Origianl Creditors still showing up on my credit report. please remove/delete the following items 1.XXXX XXXX XXXX XXXX XXXX  # XXXX  2.XXXX XXXX XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX # XXXX 4.XXXX XXXX # XXXX 5.XXXX  # XXXX  6.XXXX XXXX XXXX XXXX  # XXXX  Not sure how these Paid account got listed when most of them are still in court. They are not accurate please delete them.This is the 3rd time I have requested documentation for them under 623 FCRA.
Product: Credit card or prepaid card

I have a Bank of America credit card which I've had for over 20 years. I always pay my balance in full. In XX/XX/XXXX I saw a promo for 0 % APR balance transfer until XX/XX/XXXX. I transferred {$8000.00} and paid the 4 % fee of {$320.00}. I paid my balance in full for purchases in XXXX, XXXX and XXXX and just realized I was being charged interest. When I spoke with several people at BofA they said I had to pay the full balance, including the {$8000.00}, each month to avoid interest. I can not fathom how that is the case. I would never have transferred the money knowing they would charge interest on it, despite their big bold type claims of 0 % APR in until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX/DOFED {$1000.00} LAST REPORTED XX/XX/scrub> 2024 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : 1. XXXX Date of inquiry : XX/XX/year>
Product: Credit card or prepaid card

I have been trying to change my name since I divorced in 2018. I have provided my decree with restoration of name. I have waited for a particular firm to be sent via us mail and not received it on multiple occasions. They refuse to send via any traceable means. I was instructed to go to a branch and the branch was not allowed to download the form for me. I filed and executive complaint as did the branch on my behalf and was told to wait for the form and this is all they can do. 

I have been with this bank for approximately 40 years and want to go back to my maiden name in which the account was initially established.
Product: Checking or savings account

Several transactions from XX/XX/XXXX to XX/XX/year>, were paid against my account. i have notified the bank and filed a fraud claim in which the bank has failed to return my money or provide accurate information about where my money went. 
Tractions as fallow : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
Claim number XXXX total XXXX
Product: Debt collection

I am a federally protected consumer and Receivables Management Partners LLC has violated me under the provisions of 15 USC 1692. Please review attached documentation.
Product: Student loan

I asked for a income based forgiveness plan n they stuck me with a $ XXXX monthly payment and because I ca n't pay at this moment it hit my credit negatively. It was not honored at all.