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

Account was opened in XX/XX/XXXX the car was repoed in XX/XX/XXXX d/t some financial struggles. The car was gotten back XX/XX/XXXX also. We made payments on time since then and the car was payed off in XXXX completely. I have disputed the information on my credit report 3 times. XXXX continue to report every month to credit bureaus that it was charged off since XX/XX/XXXX, informed them it should not be in charged off state if we were making current payments and finished our loan. Instead of them changing the status they only closed the account. I informed this that this status is showing bad on my report and to please update. They also show its written off for XXXX which is the full amount I paid for the car, then it shows high balance of XXXX. This account is not a charge off but they keep listing it as such. I also asked them to change that this account was deliquent. I was late on a payment in XXXX but not any other yr.
Product: Credit reporting or other personal consumer reports

There was hard inquiry on my report XX/XX/XXXX by XXXX XXXX which I did not authorize.
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 XXXX 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, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX : {$4800.00} XXXX XXXX XXXX  XXXX : {$4500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$740.00} XXXX  XXXX of XXXX XXXX XXXX XXXX XXXX  Date XXXX inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; 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 reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX Bankruptcy Account Number : XXXX Inquiry XXXX
Product: Credit reporting or other personal consumer reports

Affirm inc has an account that just recently showed up on my XXXX credit report only. Supposedly opened in XX/XX/XXXX and went to collections and showed up on my report in XX/XX/XXXX. I have never used Affirm and have XXXX missed payments on XXXX accounts. Filed dispute with XXXX and returned XX/XX/XXXX that Affirm said reporting correct. No account numbers or anything to investigate. Called Affirm. Stated phone number and name werent in their system so they couldnt help me, but would love to help me open an account. Need help removing this from my credit report. This is a shady company and I am very uncomfortable giving them anymore information.
Product: Debt collection

I have sent a certified letter and have left voicemail to central portfolio control, they have contacted friends and family members in regards to this debt. They are still contacting me after they have received my certified letter and they are still calling as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX   XXXX  my credit report was pulled and In reviewing my report, I noticed the following error : Bank of America #  XXXX  This item is incorrect because The account has been in Charged Off status since  XXXX / XXXX / XXXX  ; And should be reported as such.     Also since the account was charged off the  24+  90 day lates which are reporting in the system is incorrect and should instead be 0 times 90 days.     On  XXXX   XXXX ,  XXXX  I called Bank of America and spoke with  XXXX  she transferred me to the credit analyst dept.  XXXX   XXXX . He said the account was charged off on  XXXX / XXXX / XXXX  and that they had not been reporting any 90+ day lates to the credit bureaus. I requested a letter from Bank of America stating this.     On  XXXX  I received a statement from Bank of America and it was a actual account statement from  XXXX   XXXX . Showing {$0.00} Balance.     I called Bank of America again today and spoke with  XXXX  who then transferred me to Charge off department  XXXX   XXXX  she she very mis informed and I ask to speak with a manager. She transferred me over to  XXXX   XXXX   XXXX . I went over my concerns that the account is showing a  Charge  off but still showing 90+ day lates. He said he would send a letter out to me. At this point I do n't have much confidence in Bank of America or their support staff.     I am hoping you can help me resolve and address this issue.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I was attempting to XXXX my daughters boyfriend ace ( XXXX XXXX ) {$120.00} times help with a purchase he was making. When I go through XXXX it automatically pulls up my contact list with everyone on it that has a XXXX registry. When pushing what I thought was aces number, I accidentally hit the person above him saved as my ac guy. Sending him XXXX $ instead of XXXX XXXX. I immediately called the bank and they said it was already in account and the could not reverse it. But I submitted a claim also and they denied my claim. I also tried to contact the the ac guy to get it resolved and the keep saying he is not there. Can there be something done to get my money back.
Product: Credit reporting or other personal consumer reports

I dont know my credit score and and information and Apple Card application and Apple Pay
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account with XXXX since XX/XX/2022. I had an open account with them and paid my balance in Full in XXXX XXXX XXXX. A few days later XXXX closed the account and then marked the account as a charge off and submitted it to a collection agency along with the payment I made. XXXX marked my account as a charge off with Transunion, XXXX and XXXX. I have submitted letters and proof of the receipt to all 3 bureaus and XXXX showing that the status was false. 

XXXX has now marked the account as a charge off as of XX/XX/2022 after I made a complaint to the XXXX. I feel they are purposely reporting false information causing my XXXX XXXX to decline. 

The credit Bureaus are also not providing documentation of their investigation. I have requested an investigation from Transunion, XXXX and XXXX. None of the companies named have provided a detailed report of the investigation.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




DEPT OF EDUCATIONXXXX # XXXX DEPT OF EDUCATIONXXXX XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

the following account does not belong to me under the FCRA fair credit reporting act you must report true and accurate information, PLEASE investigate this account and list every person you spoke to during you investigation and provide proof of every document bearing my signature, XXXX XXXX XXXX  account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Contacted XXXX XXXX XXXX on XX/XX/XXXX for verification of debt. They did not send photo or video evidence of damages to former residence, Only included a handwritten note. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) included false charges in debt and are attempting to collect which is an illegal business practice. Have disputed the charge multiple times for inaccurate balance/past due information and company refuses to correct the false charges. Disputed this false debt collection with XXXX credit bureau on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have spoken with the XXXX XXXX XXXX and disputed these false charges many times. They have refused to remove inaccurate information. I contacted national credit systems to dispute these false charges on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Currently they have still refused to remove the inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

In the last 5 years I have had to file identity theft police reports. I have received letters from the state of Colorado, and credit companies statinng my personal information Name, Social, and my children 's information was stolen. I have had issues with multiple places saying I work in different places. The Social security office continues to question me about employment. I don't work at or ever worked for. I have Social security credit showing I have been paying into my social security since I was XXXX XXXX XXXX there are cars I never owned a house I never owned. XXXX loans in XXXX that I never attended. Due to my XXXX XXXXXXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just got married in XXXX and barely changed my last name I am so tired of not being able to go anywhere buy a house or a car because my credit has been damaged. This has caused my with XXXX XXXXXXXX. People calling me and I am like what are you talking about? Yes I have a secured credit card. But that hasnt even moved my credit and when I try to call experian and the other companies they just freeze my credit. Please help.
Product: Credit reporting or other personal consumer reports

They never provide provided correct information and Ive been told them that none of it was me, and they never tried to fix the problem
Product: Mortgage

Loancare advised me in XX/XX/XXXXI had a shortage of {$580.00} and started an analysis was completed in XX/XX/2020 taking my payment from {$1400.00} to {$1400.00} in XXXX and XXXX and now in XXXX another inceased to {$1500.00} without notification and when I called in over 4 x 's to get help the representative could not advised what my P & I and T & I was to give me the total. I asked not to be transferred in order to make a paymetn instead while i was talking the rep put me on hold as she spoke over me that she will transfer me anyway. 

why would my paym change twice within 90 days. Customer sercvice at this place is unbelievale rude and I do not understand why a phone rep looking at my account is not trained to give me my P & I payment and what is my escrow T & I and why an analysis would be completed twice and why would the escrow not be completed correct the first time. this is concerning and alarming and quite distrubing the rep is not able to give my PITI just rude and working from home without any accountability or supervision. I want this call pulled provided to CFPB and a call made to me by someone in leadership at XXXX, will also be reaching out to HUD this is not how you service a loan and treat a consumer
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the XXXX  and unknown items on my XXXX  report, but unfortunately, I have not received XXXX  response even after XXXX XXXX. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX XXXX, they should be promptly removed from my XXXX  report. Since it has been over XXXX XXXX, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the XXXX XXXX XXXX XXXX, and the reporting responsibilities of data furnishers under the Metro 2 format, it is boldly stated on page 4-7 " Do not report the Social Security Number, in whole or in part, within the Consumer Account Number. '' Conduent ( formally ACS who is still reporting as ACS ) has my partial social security number reporting as my account number and has been doing so since 2006 ( proof attached )! This is a blatant violation of the CIDA, and standards of Metro 2. Furthermore, the account is not reporting the correct type of account, account name of creditor, correct address for disputes to be sent too. This account reporting is not only violating FCRA law but Texas Finance Code section 392, reporting requirements advised under the CIDA, and the CFPB. Either the account is corrected immediately, or it must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two of the credit reporting agencies are reporting the date they updated certain accounts on my credit report is this month. The information is still inaccurate. The bureaus have exceeded their statutory time to correct the issues and even attempted to mislead me. This is prolonging my ability to obtain a home loan, causing considerably higher interest rates on all financial products, and is detrimental to my family 's safety and security. In XXXX XXXX Trans Union, LLC, XXXX XXXX XXXX ( XXXX Cir. XXXX ), inconsistencies between two different reports concerning a single consumer are sufficient for a plaintiff to withstand a motion for summary judgment on a claim under XXXX ( b ). I pulled the attached report XX/XX/XXXX ( today ). I have highlighted the exact discrepancies as well wrote notes. All accounts show an incredible amount of inaccuracies between your agencies ( XXXX ). As of yet, I have not received and proof of debt nor any proof of accuracy from any agency. The Department of Education, XXXX, New York XXXX XXXX accounts need to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENITY THEFT, AND I DID NOT AUTHORIZE THOSE CHARGES XXXX- {$270.00}. 
XXXX XXXX XXXX- {$180.00}. 
XXXX XXXX XXXX- {$180.00}. 
XXXX XXXX XXXX- {$140.00}. 
XXXX XXXX XXXX XXXX  XXXX {$80.00}. 
XXXX XXXX XXXX XXXX  XXXX {$100.00}. 
XXXX XXXX XXXX- {$77.00}. 
XXXX XXXX XXXX XXXX XXXX  {$71.00}. 
XXXX XXXX XXXX {$70.00}.
Product: Vehicle loan or lease

Im seeking assistance with a vehicle title issue that has persisted for over a year. My sister paid off a vehicle over 10 years ago and gifted it to me. She has the title and a letter from Santander Bank, but the original loan was through XXXX XXXX XXXX. Unfortunately, both banks have been unhelpful, passing us back and forth without resolving the lien or providing information for the XXXX XXXX XXXX XXXX XXXX in XXXX SD. Even the Treasurer 's office attempted to call and resolve this which has also been fruitless. I reached out to the Attorney General 's office, but their efforts yielded little progress. This situation is urgent, as I want to transfer the vehicle to my son, who currently lacks reliable transportation for work. His inability to get to work has led to significant financial difficulties, including losing a job due to transportation issues. He would still be employed had they removed the lien once it was paid. this should not be my responsibility. I am struggling to meet my legal obligations for licensing, titling, and taxes because of this ongoing battle. I have recorded conversations with customer care with both Santander Bank and XXXX and XXXX promising follow up and not delivering. Santander even sent me to a site where they wanted me to pay {$45.00} for a title I already have. The treasurer 's office said that if XXXX and XXXX would just send me a letter stating that the loan was sold to Santander we can proceed. Santander is saying the XXXX and XXXX XXXX  needs to follow up with this not them.
Product: Credit reporting or other personal consumer reports

In Regards to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I am writing to file a formal complaint against XXXX, collectively referred to as XXXX hereinafter, for major violations of consumer reporting laws as outlined in the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and other relevant statutes. I have found numerous inaccuracies and unauthorized reporting on my consumer report, which have had a significant impact on my financial well-being. Upon reviewing my consumer report, I have identified several instances where XXXX has reported late payments, amounts, balances, dates, and other personal information without obtaining my explicit consent. These actions are in clear violation of 15 U.S.C. 1681c, which mandates that consumer reporting agencies must ensure the accuracy and relevance of the information they report. Furthermore, CITIs unauthorized disclosure of my personal information to third parties raises concerns under 15 U.S.C. 1681b, which requires that consumer reporting agencies obtain permissible purposes before disclosing consumer information to any third party. Moreover, my rights to privacy are protected under 15 U.S.C. 1681a ( q ), which acknowledges the significance of safeguarding consumer information and ensuring that it is used only for legitimate purposes. The unauthorized dissemination of my personal data by XXXX violates these privacy rights and undermines the principles of data protection enshrined in the law. Additionally, CITIs reporting of my consumer account as late for reasons not justified by a delay in payment violates the provisions of 15 U.S.C. 1666b. This statute prohibits treating a consumer account as late on an open-end consumer credit plan without reasonable cause. The unauthorized designation of my account as late without valid reasons further compounds the violations committed by XXXX. I kindly request that the following actions be taken : 1. Immediate removal of all inaccurate and unauthorized items from my consumer report, as mandated by 15 U.S.C. 1681i. 2. Cease and desist selling or disclosing any debts, personal information, or other relevant data pertaining to me to any third parties, both in the present and future, in accordance with 15 U.S.C. 1681c. Furthermore, I am aware of the consumer law provisions regarding willful noncompliance ( 15 U.S.C. 1681n ) and civil liability for willful noncompliance ( 15 U.S.C. 1681o ). Given the egregious nature of the violations committed by XXXX, I am prepared to pursue legal action to seek damages for the harm inflicted upon me due to their deliberate noncompliance with consumer reporting laws. I appreciate your attention to this matter and kindly request a prompt investigation into my complaint. If necessary, I am prepared to provide additional documentation and information to support my case. Let this serve as notice to XXXX, XXXX, XXXX, and EQUIFAX that I am prepared to fully exercise my rights and will pursue damages to the full extent of the law. Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent and incorrect accounts that are keeping to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

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

I have submitted the attached letter on XX/XX/2022 to TransUnion. Additionally, I submitted evidence that the account in question is closed and no longer active. 

However, TransUnion continues to report as an open account and it is negatively affecting my credit. They have not responded. 

They have not responded and have not removed this from my credit report. 

Please assist me in having this account removed from my credit report. 

Thank you!
Product: Mortgage

Please see my response to Huntington via the CFPB site : Complaint # XXXX Huntington continues to : - Charge me for interest incorrectly due to their negligence - Misapply funds that should be applied per my direction that they hold illegally in Escrow - Communicate that a scheduled subsequent refund XXXX XXXX will be received by Huntington, not my wife and I, and they will immediately hold that money in Escrow
Product: Checking or savings account

Charged overdraft fees in the past when there were ample funds in the account or a deposit was made in time.