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

Transunion is reporting un-verified accounts on my credit report. I have no knowledge of these alleged debts. I have disputed these debts with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. I've just reviewed my credit report and have noticed there are several inaccurate items on my report : XXXX XXXX XXXX late payments never been late on this account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Charge-off not my account belongs to someone else XXXX XXXX Late payments never been late on this account 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 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 Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 2 months ago I sent in information regarding my last name change due to marriage. I sent in identifying information including my marriage certificate social security card and identification as well as a medical bill. A couple of weeks later I got notified of a change on my credit report and report and negative changes from from a credit monitoring service .Upon looking at these inquiries there were several that that did not belong to me as well as another name that was added on to my account as another name known as, a man, and it also listed addresses in in Nebraska and and XXXX XXXX XXXX XXXX of this information is related to me nor is this person. I contacted TransUnion who said that the company 's had reported my information to them and They then told me that I would need to contact those companies to get a letter or get them to remove the inquiry. After contacting these agencies they never did an inquiry On me, and after contacting one of them and investigating further it was determined that my social security number is XXXX digit different from this other person 's. I believe my social security number was changed to this when my name was updated And this was the person that the companies were reporting to the credit agency, resulting in the combining of his credit with mine. The mistake must have happened when I submitted information to change my name and all of that was entered into TransUnion system. All of these inquiries showed up at XXXX time. After talking with TransUnion on several occasions They shared that they did not make this mistake and that these other Companies had Done an inquiry on me. I have confirmed that they had done inquiries on the other person who is unrelated to me and not myself.. TransUnion is refusing to fix this mistake other than removing his name and his address from my credit report but his address is still there as of a week ago. There are also several soft inquiries and regular inquiries that belong to this man and are on my credit report. I am concerned that if they do not make this change and fix this that all future inquiries that are on this person will be connected to my credit report and that I will never be able to get it removed as there are Several and the companies are not cooperative considering they did not do an inquiry on me. Transunion have also said that they removed his address and have added mine but have not according to the report sent to me a few days ago
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$2800.00} ; XXXX XXXX XXXX XXXX : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXXXXXX XXXX  XXXX XXXX XXXX : {$3500.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$13000.00} ; XXXXXXXX XXXX XXXXXXXX BalanceOwed : {$14000.00}.
Product: Checking or savings account

I've been working with CapitalOne for around 3 years. I have a credit card from them. I decided to close my other bank account and started using CapitalOne checking account which I opened last year. I was never overdraft and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has been going well since XXXX. I make around $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  Florida. I woke up on Monday to start my work day to find out that CapitalOne closed my account without any information or reason. I am a hard working woman with an XXXX degree. I don't do anything suspicious or scam anyone like so many companies do these days. I work hard and pay my taxes. So I couldn't understand why CapitalOne closed my account by freezing my funds suddenly. I am conservative so if they closed my account for my conservative opinions on social media, that is violation of my federal and state rights. I demand my money that they are keeping hostage. They violated my constitutional rights.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain 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 these accounts are being reported correctly? Who verified these accounts? 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 accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. Also, Equifax and XXXX should not be reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX XXXX XXXX as well as the bureaus to remove these lates however, I have not been successful.
Product: Vehicle loan or lease

Ive tried to pay off a loan with Credit Acceptance Corporation and these people at their company keep giving me different amounts needed to pay off my loan. I spoke to XXXX at Credit Acceptance today and asked him why their company told me I owed XXXX which I paid yesterday online and now I go to their website and not only are they stating I owe XXXX but its also showing a balance of XXXX. So XXXX is stating that I only owe XXXX to pay the entire balance in the loan but thats not what the system stated yesterday. So not only are they giving me different amount every day that Im paying them Im getting charged transaction fees because they are not giving me correct amounts to pay off this loan. This company needs serious auditing because what they are doing is scamming consumer!!!
Product: Checking or savings account

I've been with this company since the onset of my XXXX 2013. It is comerica and it is direct express. And I have had approximately XXXX situations where some weird charges were happening on my card. From like a XXXX XXXX or just weird things that I did not do. The transactions were noted as physical transactions in New York. When I lived in Arizona stuff like that. And they have never returned any of my money. They hlied to me refuse to disclose transaction. Altered the list of my transactions in order to send me a list that they said was complete but it was not because the agent prior to them had sent me a complete list of my transactions. They lock my card for No reason whatsoever, and then it takes me A couple weeks to be able to get through Their customer service line to inquire about why my account is locked. Then I go to pay my bills. And they send a do not honor notification with no other explanations or phone numbers to contact them out. They just won't pay it even though I literally just got my check. They do this all the time every month. I have incurred so many late fees because of this company and I have. Had so much money taken for me and proven that I didn't do it yet. They have not given me any of my money back. I am on a fixed income. I have a XXXX daughter. I have XXXX dogs and I have built. I can't afford to keep this company anymore. I need help. And I want them to give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian to have them remove a duplicate mortgage loan on my account. I pay my mortgage directly to XXXX but XXXX is listed as a new mortgage account. This is affecting my debt to income ratio as my mortgage is only {$150000.00} as of XX/XX/XXXX. It is illegal to have a debt listed twice under 2 different companies.
Product: Bank account or service

I have requested a copy of my statements for a closed account numerous times and they are sending out the wrong statements. The account is a closed Ace account and the crd no for this account ends in XXXX. I need XXXX and XXXX and that 's it and for unknown reason they are sending me different months and different years. I need them to be sent my email XXXX.
Product: Credit reporting or other personal consumer reports

This is the 3rd complaint I have filed with CFPB. Yesterdays ' complaint has not posted, and you have given Equifax 60 days to respond. Why? 
I provided Equifax with identity documentation on XX/XX/XXXX yet I received a second notification from XXXX XXXX informing me they denied my credit card application because Equifax could not verify my identity. 

I sent my passport, divers license, social security card, gas bill and WP-4 as proof of identity to Equifax on XX/XX/XXXX yet they still can not identify me? After sending all the requested documentation to Equifax, customer service sent a generic email informing me my credit score was low due to no revolving accounts and no long-term accounts which is false and a grievous error on their part. 

I have had a XXXX credit card for 16 years with a FICO over 800, a XXXX credit card for 3 years with a FICO over 800, paid off a loan of {$2000.00} in XXXX of this year, paid off an auto loan with XXXX Bank in XXXX a year early as well as mortgages in the past. XXXX and XXXX both use Equifax as well as XXXX XXXX, and XXXX so how can Equifax be so blatantly wrong and careless with this information? 

CFPB is supposed to protect consumers, but you do not instead you grant a pass to these companies and allow them to continue disrupting people 's lives. Allowing 60 days to respond when I have provided necessary identity documentation more than 3 weeks ago is absurd. I want this corrected asap. If CFPB does not direct Equifax to correct their errors promptly, I will take my issue to the IG and GAO.
Product: Credit card or prepaid card

XXXX / XXXX / 2017  : I went onto the  XXXX  website to purchase several dresses and  2  blouses. According to the website, I have a {$400.00} credit line that shows as an active available credit line. But when I tried to make the purchase, I got a message to call customer service. I was told despite my {$400.00} credit line, my card was blocked due to inactivity. I was told that the block could be removed with no problem. But when I was transferred to the credit dept. I was told that they could not reinstate my credit line because Comenity B ank, ( the Bank ) reran  my credit report & would not reinstate my credit line. I called Comenity Bank whose representative said the same thing. To date when accessing  my   XXXX  account it still shows up as an active credit line of {$400.00}. I was never notified my card and my account was in inactive status. As a  XXXX  woman, it is already difficult for me to purchase clothes in my size and this store is one of few stores where   XXXX   women can purchase clothing that fits. I am very angry & upset that this occurred & want my account reinstated with my full credit line.
Product: Credit reporting, credit repair services, or other personal consumer reports

ever since we bought the house in   XXXX   we had   XXXX   as our house mortgage bank. they sold to  XXXX . I set up my payments to go to the wrong address, I used one of the letters I received from  XXXX  but it was wrong address. the first payment or  two were  cashed and I did n't hear anything from them. Until I received a letter stating I was late  one mont h, I called my bank they said payment was sent off, my bank then called  XXXX  and we realized I had the wrong payment address. so we put a stop payment on that months payment because it was going to take to long to send to the other address then cash. so I was actually never late, I have proof from my bank that money was available on the  XXXX  just sent to wrong address, I do n't want to be penalized for a mistake on a address, ive never been late.
Product: Debt collection

I was a XXXX customer for dental aligners in a program that was also to include several checks by a dentist. Being that I was unable to receive adequate dental care with the program products were returned and refunds were issued. The debt collection company by the name of XXXX also doing business as XXXX solutions continues to try to collect on a debt that I do not owe and whenever I try to call to try to resolve the matter I am either told that they do not have to talk to me or a representative of the organization disconnects the phone line and hangs up on me or transfer me to another representative who continues to repeat the same actions. I am unable to resolve the issues through normal channels so I am resorting to reaching out to the bureau for further assistance. Although I have told this debt collector numerous times that I do not owe the debt the so they need to cease further contact with me the company continues to call and text my cellular phone using an automated dialer although the phone number that the company contacts has been on the XXXX Not XXXX XXXX registry for a number of years.
Product: Debt collection

I received a call from a man who said he works for Providian Financial and he was calling to collect a debt on a payday loan. I have never done business with Providian Financial so I asked that he send me in writing more information. He said that he has sent me XXXX emails that I have never received. He has called my cell phone and he gave me a callback number for him XXXX. He has been calling my employer repeatedly and when I ask him to stop, he said I am going to keep calling them until you pay the money and I do n't care if you get fired. He told me I had to go to a XXXX office and call him from there and he would tell me where to send the money. I want this man to stop calling my employer. My employer said he has jammed up the company phone lines on multiple occasions.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX 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

This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : Bureau : XXXX Creditor Name : 700 CREDITXXXX XXXX  Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it.

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Product: Checking or savings account

Around XX/XX/2018, $ XXXX+ was taken out of my Bank of America checking account. That same week I called and complained about the money being taken out. The total came from two different areas, one in XXXX XXXX and one in XXXX XXXX. I was in XXXX XXXX for the weekend with my girlfriend for our anniversary. I even made a purchase in the XXXX XXXX ( about an hour from XXXX ) at XXXX XXXX. But that weekend I noticed that someone had purchased something at a Target in XXXX XXXX and at a XXXX XXXX in XXXX XXXX. I called and got credited all of my money back. 45 days later I got a letter in the mail saying they were taking back the {$390.00} and that the case was closed. I wondered why me? Why is my money being taken for no reason? I trust my bank to protect my money but even when it gets taken they cant give it back. I called multiple times and they would tell me that the purchases were made with a PIN number ( which nobody knows but me ) and that for that reason they can not give me my money back. I called a few more times, waiting hours on hold to talk to people who were rude and seemed like they didnt want to do their job, just for them to finally tell me to send a letter in the mail. So I sent a letter, kind of like this here, describing the situation. Around the beginning of XXXX I finally call again to check on the status of my claim. It had been over a month since I sent the letter, but they were still working on it. They told me to wait about a week or two and Id get a final response. Well, it has been over a month since I last called. Im a XXXX   XXXX trying to pay for school and other expenses while being taken advantage of by my bank. I dont know what more to do. Those {$390.00} could be used to pay for books or a meal plan so I wont starve this quarter.
Product: Debt collection

The company Portfolio Recovery continues to call and have been calling me all year long harassing me. Ive requested numerous of times to stop being contacted.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX  XXXX ; XXXX XXXX XXXX ; XXXX  XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : XXXX XX/XX/2023 Address : XXXX XXXX  XXXX XXXX XXXX, TX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX Employers : XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/XXXX and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.