23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXXureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Crediting Reporting Act XXXX Account # XXXX, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions
Product: Credit reporting or other personal consumer reports

I have been unable to open a bank account anywhere I go due to a security freeze on my ChexSystems. I have never requested Chex Systems to freeze my account and I have requested multiple times of the past 60 days to remove this freeze and they keep claiming they will mail me a pin at my home address that I have provided. I have yet to receive anything. 

This is absolutely absurd that ChexSystems can uniltaerially freeze my account and I am unable to unfreeze it so banks can acess the infrormation.
Product: Credit reporting or other personal consumer reports

I am writing a complaint against Transunion in regards to their previous investigation on my consumer report. Lately I have noticed several accounts thats reporting to my consumer report in which i am unaware of who these creditors are and how they got my personal information. After asking Transunion to investigate these accounts they replied " verified '' in which these accounts don't even belong to me. The creditors reporting never had my consent to purchase my personal information nor did they have permission to report this to any credit reporting agency. I am aware that I have a right to privacy in which I believe my right was violated. After asking them to very this account they never provided any documentation, agreements or signatures that have my approval. It is their duty to do what's fair and equitable to their consumers in which this isn't fair. Any information that's either inaccurate or non verifiable should be removed from my consumer report immediately. 

Violations committed by Transunion : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Debt collection

Arizona Statute of limitations on this auto loan debt is met on XX/XX/XXXX, First delinquent date was XX/XX/XXXX, this a JOINT account NOT the primary holder. The original creditor and debt collector CJA Finance inc reporting the same account on XXXX  & XXXX XXXX reporting to XXXX  & XXXX  which is a clear violation. 

This dispute also being sent to all three major credit bureau.
Product: Prepaid card

I have the American Express Serve card given to me by XXXX XXXX for my tax return. I can never withdraw money from the atm it will decline every attempt. And lock my card. When I call customer service there is no option to speak to a representative. I have to choose the option for lost stolen card to speak with anyone. And they always say the issue is resolved to try card in XXXX mins and when I try it again it declines again. Ive had to be taking my $ out by the XXXX at XXXX since the atms wont let me. And they charge me {$9.00} every time. The cost service agents I spoke to today XX/XX/2024 did not help me at all because when I explained to them it will not work after XXXX or even an hour later XXXX its not my first time trying. I have never been able to use the atm since activating the card : the agents just kept saying that it will work. And would not let me speak to a supervisor or give me information on how to submit a complaint. I had to search for the information myself.
Product: Credit reporting

I had a bill from XXXX hospital that insurance was supposed to pay. After communications back an forth and it going to collections XXXX found out it was a mistake on their part. They had it erasedone from my credit but in the process erased everything I had earned and worked for. Ex : on time payments length of credit number of loans etc. So I had to essentially start over which was never the agreed plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove a fraudulent report against me. Experian takes advantage of my victimized position to sell stuff instead of doing the right thing. 

This is what has happened. 
I have been a victim of identity theft since XXXX. I became aware of this in XX/XX/XXXX and have made every efforts to let the world know this fact. I contacted XXXX XXXX about a fraudulent account opened using my identity, charging {$720.00}. Initially XXXX XXXX  did nothing to investigate into my case and continued victimizing me by pressing me to pay. After I filed a complaint against XXXX XXXX, it finally closed it as a fraud. But it sold this debt to XXXX XXXX XXXX. Now XXXX reports this against me as a collection. 

Experian holds this fraud report against me. When I tried to dispute this on Experian site, I received this message, " If you believe that this information appears on your credit report as a result of identity theft, contact us by phone immediately. BUT when I called the phone number given XXXX, I was placed on hold for like forever and only given option of buying this or that. Experian never put me through to a real person. After waiting on phone and listening to its commercials for a long time, I am convinced that Experian does not have the sincerity to ever talk to me and solve my problem. This leaves me no choice but filing a complaint against Experian. Please help me do the right thing on behalf of numerous people like me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute these accounts several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. The accounts are listed below : XXXX XXXX XXXX Balance Owed : {$350000.00}, XXXX XXXX XXXX Balance Owed : {$9800.00}, XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1300.00}, XXXX XXXXXXXX XXXX Balance Owed : {$1300.00}, DPT EDXXXX XXXX Balance Owed : {$120000.00}, XXXX XXXXXXXX Balance Owed : {$11000.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX XXXX Balance Owed : {$2700.00}
Product: Debt collection

Bought a time/share from XXXX XXXX  and put down {$30000.00}. They told me that I could book properties and re rent them on XXXX or to individuals and make a profit. When I tried to book properties, nothing was available. 
Date of contract was XX/XX/. Amount owed is {$53000.00} I sent 2 letters asking for a copy of the original contract but have not received one.
Product: Payday loan, title loan, personal loan, or advance loan

I took out A Ppp loan for my business i completed the forgiveness application to its entirety and they did not forgive my loan instead they switched my loan to a personal loan with the company.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX, XXXX and Transunion multiple times requesting they remove this information off of my consumer report. They have failed to remove information. Below are documents sent to them to remove and update all information! I would also like opt out of the arbitration clause in their agreement.
Product: Credit card

Per a credit report pulled in XXXX and disputed several accounts listed with all XXXX credit agencies, as the accounts were not even mine. XXXX XXXX Account XXXX, XXXX Account XXXX and Bank of America Account XXXX. All XXXX of these accounts belonged to a different XXXX XXXX. Additionally, there was no social security number on file for XXXX of them, and there was also an invalid address attached to my credit reports for the state of XXXX and I have never lived outside of the state of XXXX in the XXXX years of my existence. When calling XXXX the representative told me in XXXX that name on file was for a XXXX XXXX XXXX, that there was NO social security number captured from that person for the account AND when reporting the credit situation, they did n't know where to attach it so they put it on mine. These XXXX companies have attached information for someone named XXXX XXXX to my account since XXXX, which has impeded my ability to secure fair interest rates or even securing loans to purchase vehicles or a home. Lastly all XXXX of these companies informed me when calling in XXXX that my social security number was not even in their system, and upon formally disputing these items with the XXXX credit reporting agencies, it took over 2 years and more than XXXX attempt to get these items removed from my credit report. In XXXX, I was refused a car loan, in XXXX I secured a car loan for a rate of 10.75 % interest, in XXXX and XXXX I was refused home loans when attempting to purchase and as a result was required to relocate myself and my children XXXX times in seven months shortly after their father passed away.
Product: Credit reporting or other personal consumer reports

Someone use my information to open up an fraudulent account with XXXXXXXX XXXX that I did not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX XXXX XXXX XXXX XXXX XXXX Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. a charge off account should NOT include an active payment history. This Inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX BANK XXXX XXXX XXXXXXXXXXXX
Product: Consumer Loan

I was defrauded by XXXX at XXXX that have also defrauded XXXX also by selling an wrecked carthat has an bent frame that was a totalout car that is worth only $ XXXX-XXXXand that 's only selling the car as parts XXXXshowed me Car Fax that said car neverbeen wrecked purchase car in XX/XX/2013and the car is an XXXX Kia Optima thathad only XXXX miles on it.
Product: Credit card

XXXX {$180.00} & {$230.00} Purchase from XXXX XXXX XXXX Purchase was not made by myself or anyone in my household and I did not receive whatever it was ( product ) that was suppose to be purchased. 
XX/XX/XXXX caught these charges and disputed them. 
XX/XX/XXXX refunded me + {$180.00} Wrote them again about the charges XX/XX/XXXX refunded me + {$230.00} XX/XX/XXXX reversal {$230.00} XX/XX/XXXX dispute + {$230.00} XX/XX/XXXX reversal and charged {$180.00} XX/XX/XXXX Dispute - Provisional Adjustment Reversal- reversal charged {$230.00}. They are not refunding me {$230.00} and actually after I have done this the {$180.00} was put back on as well. 
Please help make sense of this. They have switched over to specialists several times during my chats and confusing me. I know the charges are still put on my account and they need removed.
Product: Credit reporting or other personal consumer reports

My JPMorgan chase card statements paper statements stopped delivery to my new home address. When notified by chase via email that my account was past due to paid the entire bill off in full. Chase also removed all late fees and interest fees. However they are still reporting past due on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Rushmore Loan Services has repeatedly made account errors on my loan files. I have 4 loans at Rushmore Loan Management Services ( https : //www.rushmorelm.com/ ). I am NOT able to access any of my loan data using their on line system. Each and every time I MUST call in, spend 1 or more hours on the phone to deal with their offshore " support team ''. These people are not well trained and the impact is often times I need to call back in to get the critical information I need in order to manage my accounts.

Just last week Rushmore made a substantial miscalculation to one of my loan accounts which caused my payment to increase {$330.00} per month! This is financially impactful and an error not caused by me. THEY must make this right!! 

I wish my broker NEVER referred these loans to Rushmore and I will be contacting the lender to have these loans moved to another processing company
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Product: Debt collection

In XX/XX/XXXX, I received a notice that I had a hard pull on my credit report from a company, Loan by Phone based in XXXX, TN. It was fraudulently pulled using my SSN, address, and my maiden name. We filed a police report in XXXX, TN. However, no loan activity showed up on my credit report. A few months later, I received letter that this debt had gone into to collections through XXXX XXXX XXXX. I told them numerous times that they had the wrong person. All through this, there was nothing on my credit report regarding this other than the hard pull which fell off in XX/XX/XXXX. Occasionally, I would receive notices that I could settle the debt, but because it was NOT on my credit report, I could not dispute it. I continued to tell them that it wasn't me. 

Then in XX/XX/XXXX, I received a notice that my credit score had dropped 25 points because this company had put me into collections for {$500.00}. Suddenly, this showed up on my credit report, but it was never even listed as a loan before. I have tried disputing this with the credit bureaus and they say it is resolved because this fraudulent company tells them that the debt is mine. I have reported this to the XXXX  in New York ( where XXXX  is located ). We have requested via certified mail that we receive information from XXXX that the debt is valid and we have yet to hear anything. I need this taken off my credit report and my credit score restored.
Product: Credit reporting

XXXX XXXX XXXX, XXXX Acct # : XXXX Date Reported : XXXX/XXXX/2014 Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE this account was apparently transferred to another lender sometime ago, so how can current acct status be showing as late?? this is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

My wifes mother who is currently incarcerated opened a Wells Fargo credit card in her name when she was a minor. This account should have never been opened by Wells Fargo in the first place, however her mother incurred charges and never paid the balance. Wells Fargo considered this a charge off. In late 2016 my wife and I went to the Wells Fargo branch in XXXX XXXX, CA to open our first joint checking accounts. The banker that helped us ran into a rejection when opening the accounts. She could not tell us what the rejection was for, but called her back office and got them to bypass the account opening rejection. We later were notified that our accounts were being closed for cause due to the credit card that was ONLY in my wifes name. We tried to remedy the issue with Wells Fargos fraud department who never responded to our multiple requests. This account was closed due to actions of another person and should not reflect poorly on my consumer reporting with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX  credit report there is an open American Express account with an outstanding balance of XXXX dollars which i have no idea what this is, i called American Express and they said i dont have any open accounts with that amount, i have never received anything on the mail or by email, i opened a dispute with XXXX  and they said the information is accurate but American Express does not see anything in their system
Product: Debt collection

I just found in my credit report a collections for {$300.00} from Midwest Recovery System.

I do not owe that money if should be a mistaken identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I opened my first credit card with Capitalone in XXXX. They closed my credit card in XXXX without any clarifications. With 100s call and emails, they recommended me to open a new credit card. I opened my new credit card in XX/XX/XXXX and they closed that within a few weeks. They keep sending me many promotional offers. Again, I opened my new credit card in XX/XX/XXXX, and they again closed my credit. Capital one is ruining my credit score. I do not understand why they closing my credit card. Why they send me promotions if they want to close it. I want justification. I need an exact reason. In my entire life, I never did any late payments. My credit score is excellent ( more than 750 ). I have no bad credit history. No one can find even a single instance which is linked to my bad credit history. I want exact clarification. Why capitalone keep closing my credit card. I also want Capital one to provide the member benefits which was part of the card during my credit card opening. I opened this credit card because they sent me promotional.
Product: Credit reporting or other personal consumer reports

In 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I previously filed a dispute and I think that there is a lot of confusion going on with it. The last time that I used my debit card was to purchase gas, which came to a total of {$20.00}. Any charges after that are unauthorized. My debit card was lost and I reported it as soon as I could not locate it. Actually I placed a lock on my card and once fraudulent charges were discovered during that time period, I called Huntington bank immediately. Please help me get this situation under control. I do not wish to escalate it any further. The representative that I spoke with reopened my dispute, but my funds were placed into this account for a deposit to purchase my first home, which is quickly approaching. Thanks
Product: Debt collection

LVN funding must delete this account immediately from XXXX and XXXX Account # XXXX The fcra says I have a right to my accounts reporting with 100 % accuracy this affects the banks and how they lend money. 

LVN funding LLC is furnishing false and misleading information on my credit report! 

Because this account isn't accurate LVNv funding LLC is reporting XXXX different last dates of activity on XXXX different credit reporting agencies which is a major violation. This account is reporting inaccurately, the natural Life of this account will fall off at different years. This inaccurate reporting will cost you {$1000.00} in court if this account is not removed within 10 days or less both Credit agencies XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

There is a bankruptcy reporting on my public record. That should not be reporting they told me the information comes from XXXX XXXX to contact them. I have reached out to them. They have removed the bankruptcy from their XXXX file and it is still reporting on my credit report. XXXX sent me a letter saying they tried to reach out to them to get them to remove it, and they have sent me letter because they can not get a response from TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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