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

My mother has a credit card with XXXX  XXXX and I have been an authorized user for years. When I go to view my credit report XXXX has my XXXX  XXXX card information as well as the card I'm an authorized user on however Transunion does not. I contacted transunion and was told to call XXXX XXXX. My mom called XXXX  XXXX and was told that nothing has changed on their end. I'm still in the system as an authorized user and I needed to contact transunion. 

My mothers name is XXXX XXXX XXXX .The account was opened XX/XX/2010 and has a balance of {$2100.00}.
Product: Debt collection

A debt has been placed in collections and listed on my credit report for rent recovery. The debt isnt my debt. The debtor is Rent Recovery Solutions on behalf of XXXX XXXX XXXX XXXX XXXX The acct is XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. The phone number is XXXX ext XXXX. The amount is {$24000.00}. This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to authorize nor benefit from these account ( s )
Product: Credit reporting or other personal consumer reports

A hard inquiry by XXXX dated XX/XX/22 appears on consumer reports. No disclosures were given for this hard XXXX.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX
Product: Debt collection

I, XXXX XXXX XXXX, A victim of Identity theft by XXXX XXXX, did not give XXXX XXXX permission to use my information to fraudulently collect monies. This is violation of the FDCPA 15 U.S.C. SS 1692e and 15 U.S.C SS 1681s-2XXXX XXXX is liable for reporting an account for identity theft.I demand this fictitious account that they have created be deleted form their records and all 3 credit bureaus records such as, EXPERIAN, XXXX, XXXX. Failure to do so is grounds for further legal action to be taken.
Product: Bank account or service

I have been a Chase Bank customer since XXXX, in XXXX XXXX I was selling an item on XXXX and the buyer paid me with a certified check the check was written for more than what I was selling the item for, I questioned the buyer he told me the excess funds were for the shippers in order to send the item to him. I deposited the check in my account but something seemed strange as he kept messaging me to wire money to the address he provided. I immediately contacted Chase Bank 's fraud department on XXXX XXXX and told them of my concern regarding the check and the way the buyer was acting. The person at the fraud department told me I was the second person this week who was scammed by XXXX and they put a hold on the check I received a letter in the mail verifying this the phone call was also recorded and I also sent an email to XXXXXXXXXXXX as instructed by the Chase rep in the fraud department. On XXXX XXXX Chase released the funds into my account even though I warned them of the potentially fraud that this check posed. I then went to use my card on XXXX XXXX my card was declined I called Chase to ask what the issue was they told me my account was scheduled for closure but would n't tell me why. I then went into Chase to talk to a account specialist she proceeded to call Chase and they told her my account was restricted and under investigation for fraud as a result of the check that Chase put through that I told them I felt was fraudulent. My account was then scheduled for closure all my checks written ahead of that time were returned and debits as well causing me to incur fees with those parties as well as damage my reputation further, my scheduled deposits were frozen as well causing me to miss my mortgage payment as well. Chase then sent me a letter regarding the account closure and also threatened that they would report this have it put on my credit report and inform other banks so I ca n't open an account anywhere. I was a victim of fraud and alerted Chase to this they took it upon themselves to process this check into my account even after the fact how am I liable? Besides the threating letter the lack of communication at Chase bank is appalling, as there customer service and fraud department gave me a different excuse every time. I understand that the bank reserves the right as to how to handle accounts my only issue is that I do n't want this to affect my credit, reputation, or ability to open a bank account as I exercised integrity and was forthright in this whole process.
Product: Credit reporting

Equifax has negative information listed on my credit report for XXXX XXXX, and XXXX XXXX which is false. I do not owe these companies any money. I have disputed these accounts, but Equifax has not removed them. Equifax lost a class action lawsuit because they were reporting false information on consumer 's credit reports. Why are they still being allowed to do this? I want these lies removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is falsely reporting a high balance on my credit report. I had a vehicle with them opened in XXXX of 2015 for approximately $ 12K. I voluntarily surrendered this vehicle and the remaining balance is $ XXXX after the sale of the vehicle. My XXXX credit report shows the accurate $ XXXX tradekime but tally also added another $ XXXX tradeline onto my XXXX  credit report. It goes without saying that this is negatively impacting my credit score. This trade shows a term of one month, no payment history, and also that it was charged off. I have tried to contact rally motor credit to update my credit report removing this negative information to no avail. Please help.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX for Refusal to Update Personal Information Dear Sir/Madam, I am writing to file a formal complaint against XXXX, XXXX, Transunion for their refusal to update my personal information on my credit report. On XX/XX/year>, I submitted a personal information update letter to XXXX, XXXX, Transunion, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/year>, I received a response from XXXX, XXXX, Transunion stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to XXXX, XXXX, Transunion. 
I believe that XXXX, XXXX, Transunion 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
XXXX, XXXX, Transunion 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, TransUnion has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.
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 items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are 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 block/remove these files. 
XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$350.00} If you 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 items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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 submitted this dispute & this company will not remove it.
Product: Checking or savings account

I had a safe deposit box # XXXX located at the XXXX XXXX MA branch of XXXX XXXX. I mailed the payment on XX/XX/XXXX for the renewal of the box in the amount of {$210.00}. The renewal period was for XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX I decided to close out the box I went into the branch emptied the box and returned both keys. The representative that helped me told me that I may be able to get a refund on the fee since the box was closed before the new rental period begins. I could not place a stop payment on the check since it cleared on XX/XX/XXXX. On XX/XX/XXXX I called the XXXX branch and spoke to the manager XXXX XXXX. I explained to him my issue he took my information and said he would get back to me but that " Citizen 's does not like to issue refunds '' but he would see if there was anything he could do and get back to me. Did not ask for my account number or phone number and I haven't heard back from him. I am attaching the Safe Deposit Box Invoice along with the back and front of the check that cleared for this payment.
Product: Debt collection

The Credit Bureau is reporting inaccurate information on AFNI. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting

" Your complaint number with XXXX : # XXXX '' is the original CFPB complaint today after receiving my Equifax Confirmation # XXXX page XXXX of XXXX " XXXX of your creditors '' was provided my credit information. They fraudulently pretented to be a creditor to get it. This is illegal.
Product: Debt collection

I have paid my debt and want it off my credit report. It happened many years ago.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have been made aware of a Nation wide Data Breach and in respect to 15usc1681 A4 my privacy is to not be violated, as all these inaccuracies show it has been.
Product: Checking or savings account

I called the general customer service number about my issue & was treated in a way that's not consistent with Chase Bank customer policy. Not only was I bounced around by several departments that either didn't want to address the issue or didn't know how to handle the issue they were extremely unprofessional. I finally had a chance to ask for a supervisor & she purposely put me on hold for over an hour.
Product: Mortgage

I have a mortgage with Nationstar Mortgage LLC DBA Mr. Cooper. Around XXXX of XXXX   I received a paycut from my current job and have become unable to make my mortgage payments. I have reached to the Company numerous times to explain my situation but they quickly mentioned eviction without even suggesting how they could assist or what can be done. I had to pry and look around the website to even get information about an Application for Hardship. I would love to keep my house and I have started to work 3 jobs so I can catch-up on missed payments. I have submitted the Application for Hardship ( early XX/XX/XXXX ) online and submitted but did not see anywhere to upload supporting documents. I was never notified that documents were missing and the application was disapproved without even telling me. Did not receive any letters or emails to the fact. I find out when I logged into the website that I was disapproved. I reached out to find out why and told I could resubmit a paper application. I mailed the application XX/XX/XXXX and looks like they have not received it yet. I called today, XX/XX/XXXX to make a {$1000.00} payment and was told they would not accept it because it was not the minimum. I was hoping they would be happy to receive some money from me at least to start paying down what I owe on the hopes of making another payment on my next paycheck. The process with them has not been the best and I feel like I scum when they talk to me. I truly would like to make-up payments as I work my 3 jobs to get me all caught up while also finding another job.
Product: Credit reporting or other personal consumer reports

Accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  XXXX XXXX Account # XXXX, and XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I sent a debt validation letter which was received by the company on XX/XX/2022. 
this company has failed to validate the debt in the amount of {$300.00}. Instead they sent me a bill and placed the account on my credit as of XX/XX/2022 before allowing me time to respond. I never signed a HIPPA form authorizing them to have access to any of my information. Which is a direct violation HIPPA regulations.
Product: Credit reporting or other personal consumer reports

Recently, I have looked at my credit report and noticed several inaccuracies that is preventing me from obtaining credit. It is my understanding that you will investigate please items to ensure accuracy. Here is the item I am asking you to identify as accurate. 
XXXX XXXX XXXX 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

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX TransUnion, XXXX 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed an account reported by XXXX XXXX. I was informed on XX/XX/XXXX that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report around XX/XX/XXXX or XX/XX/XXXX 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), Experian is required to notify me of the reinsertion in writing within 5 business days. 
" ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Product: Credit reporting or other personal consumer reports

I have previously disputed the accuracy of payment to Fed LoanXXXX as reporting from XXXX this account is reporting late as 7 different accounts XXXX XXXX. I was never late on this account and it is damaging to my credit profile. This accounts need to be either removed or updated to a positive payment history immediately. These accounts were removed from XXXX but XXXX isn't being helpful at all and continues to report negative and unverified items that are very damaging to my credit profile.
Product: Debt collection

I XXXX XXXX, am a consumer/natural person, I am submitting this complaint for myself, there is no third party. 
I have been disputing THE DEP OF EDU with no resolve. They did not have written consent to furnish any information on my report which is a violation. It is disheartening that negative information that a consumer has the right to dispute and have their report reflect positively is not taken seriously or given any old response too close a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Acct : XXXX Tuesday, XX/XX/XXXX To whom it may concern, My name is XXXX XXXX, and I first want to thank you for taking the time to read this letter. Ive had a great experience with XXXX XXXX XXXX and my goal is to maintain the relationship weve built over the last 10 years. I recently pulled my XXXX, XXXX, and Experian credit reports and discovered I have XXXX late payments that were reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my Lease Payment account XXXX. During that time, I had a medical emergency that required me to drain my savings and use most of my paycheck to cover, which impeded my ability to make an on-time mortgage payment that month. I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation. Up until my medical emergency, I had an on-time payment history with you since my loan was first originated. Additionally, Ive resumed making on-time payments in the months since that point, even enrolling in automatic payments to ensure I dont miss any due dates in the future. Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment marks from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration. 

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

I am having difficulties with buying a house and applying for new credit cards. I paid the collection XXXX, Reported : XXXX XXXX, 2019 and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Debt collection

I didnt recieve any type of notfication about any debt owed from both the medical provider or the debt collection agency that a debt was owed and wasnt made aware until it was put onto my credit report