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

Despite the multiple previous written requests, the unverified these items 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 creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items 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 UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that 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 company 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 update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

Lastly, these accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need it update at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being made against XXXX, XXXX, and Equifax on XX/XX/19. I checked my credit report on XX/XX/19 and this alerted me to several hard credit inquiries that were not authorized by me. The reporting companies websites clearly indicate that I can not make a dispute for inquiries online, and directs me to call their respective dispute lines. Upon calling them an automated menu walks me through a few basic menus that do not include any options to start a dispute or to report errors, and that don't allow a consumer to speak to a representative for any reason. It is shocking and appalling how blatant of an attempt this is to misrepresent how a consumer managers money just so that we can be constantly categorized as high risk so banks can charge us higher interest. I won't stand for it as a tax paying citizen in this country.
Product: Checking or savings account

I do have a checking account and a business account at Huntington Bank. Right now I'm in XXXX, and I was making the payment from my business account to XXXX Bank through XXXX, I received the money from XXXX but XXXX wasn't able to charge my business account because of them putting it on hold. I called the bank to ask why my account is on hold and they said because of missing documentation from XXXX bank which I was transfered from once the owner changed. I was with Huntington for the last year, and without any notice, they froze my account stating that they missing some kind of documentation. Right now they not allowing me to provide it online, by mail, etc. They refuse to close my account if I send an authorized letter asking to close the account and issue the money. The only option is to come to the branch and it's not possible because I'm back in XXXX. 2023 XX/XX/XXXX XXXX  wasn't able to charge Huntington Bank and I'm in debt to them now, they are taking legal action against me to pay the debt, once Huntington is holding my money and refusing to release it.
Product: Credit reporting

I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to* promptly delete all information which can not be verified* that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Mortgage

Trying to refinance a mortgage ; Was told property had not been out of foreclosure long enough. WHAT???? Have not filed bankruptcy, property has NOT been foreclosed on. Spoke with individual at loan servicing company, said they would take care of it. NOW!!! Most info pertaining to this mortgage is gone from their records ( payment history, etc. ). Credit report says account was paid and closed. So who or??? is collecting my payments?
Product: Credit reporting, credit repair services, or other personal consumer reports

In applying for a new XXXX XXXX credit card, Equifax credit report informed me of {$11000.00} outstanding balance from a XXXX  XXXX XXXX credit card that I never opened. The card is >120 days past due. This has decimated my credit. I never did any business with XXXX XXXX XXXX, ever. I never opened a bank account, debit card, or credit card with them. I don't even know where they are located and never been to any XXXX  XXXX XXXX location. My banking in the last couple years has been with XXXX, XXXX, XXXX online, and now XXXX. Equifax has reported this as fraud and advised me to file an FTC complaint. I received a letter from XXXX XXXX XXXX a couple months ago about an outstanding account and called them to dispute. Once I got to a reputable person, they said they had no accounts with my information and I agreed I never did business with them. I never received another letter. Something is very wrong, this is fraud of some kind. The last 4 digits of the false XXXX account is XXXX per Equifax. My Equifax Confirmation # is : XXXX -XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Each credit bureau failed to delete the following listed fraudulent inquiries within 4 days of the FTC filing. The FTC report was filed XX/XX/year>XXXX  and should have been deleted by XXXX. These inquiries are currently still fraudulently reporting to each bureau. 

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. 

XXXX, Transunion, and XXXX are also in violation according to 15 U.S Code 1681c-2, which states : a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. 

It has been OVER 4 business days and XXXX TRANSUNION XXXX are in violation of this law because I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Transunion Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Product: Checking or savings account

On Friday, XX/XX/XXXX my personal checking account was restricted ( frozen ). I went to the bank on Monday, XX/XX/XXXX and spoke with the account specialist for an explanation. The specialist stated that my personal account was restricted because I deposited a check made out to my business into my personal account. 

I explained to the specialist that I am " dba '' ( doing business as ) of my business. On XX/XX/XXXX, I emailed the Account Specialist my EIN which was assigned to me by the IRS. 
( " I am the business and the business is me. '' ) I was forced to close my business account prior to this incident because there were unauthorized debits totaling {$11000.00} on XX/XX/XXXX, XXXX, and XXXX of XXXX that were debited resulting in my account to be overdrawn, and also causing checks to be returned. 

The bank is holding my funds unnecessarily which is causing me emotional distress. My son and I were both diagnosed with XXXX during this time and I was not able to pay our co-pay at the doctor 's office. I also have not been able to purchase food and gas, as well as other incidentals. 

I am requesting that my funds are released immediately and an investigation is launched in regards to the unauthorized debits from my business checking in the amount of {$11000.00} that were deducted. I am also seeking compensation for emotional distress.
Product: Debt collection

I had student loans and I did go into default and enter a rehabilitation with XXXX XXXX   XXXX. My loan came out of default and was in good standing. The XXXX XXXX XXXX then transferred my loan to XXXX but I was not informed of this transfer and my auto payments were stopped. So then my student loans went back into default. For each semester of school, it was tracked by the XXXX XXXX XXXX as a separate loan ( totaling 23 ) which showed 23 defaulted loans. These were transferred to National Credit Services back in default and are not on the credit bureau reporting. I am attempting to purchase a home and got way into the purchasing process only to find out that FHA found something pointing to defaulted student loan debt but the credit bureaues reporting did not show them. When I tried to work with National Credit Services, they are not able to offer any type of resolution to get out of default other pay in full or payments for 20 years and stay derrogatory for 20 years.
Product: Mortgage

I went a mortgage broker that I had previously work with to request for a preapprvoal for a purchase on my primary home. He is now working at Chase Bank. The initial process went fine without a hitch. However, the loan is now held up with their XXXX in XXXX, FL. No one is getting back to me on when my loan documents will be at Escrow for closing. My purchase is now out of contract and possibly I may lose my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account, 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX NM XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX Account Number : XXXX please update all payment, all payment was made on time XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXXXXXX XXXX  XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/2005 XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NM XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX  XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX NM XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute hard inquiries this company refuses to delete these items..and credit collection saying I owe to bills I never got insurance with them I want these to be removed I need the original sign documents from these companies that say I owe
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit companies every month from XXXX to XXXX. XXXX  and the credit companies are not complying with their own policies in a timely manner
Product: Debt collection

XXXX bill was NO longer in my name, when it went to collections. I took my name off the account 4 weeks after account/line was opened. Myself and the primary account holder completed a change of liability at the XXXX store.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a copy of an FTC affidavit of identity theft and a police report to all  XXXX  bureaus. By law they must block the information from my credit reports. To date, Transunion complied but  XXXX  has only deleted on account not blocked the information they were required to and I can not tell on  XXXX  if it has been blocked or not.
Product: Credit card or prepaid card

Im going thru extreme financial hardship and can hardly afford to put food on the table for my family, and Im going on unpaid XXXX XXXX XX/XX/XXXXand will have absolutely no income what so ever. Im trying my hardest to avoid bankruptcy but it is very hard as companies are unwilling to help people in need or in these situations. I have tried to settle with this company prior and they have lowered my payments, but Im not going to have any income come XX/XX/XXXX to pay them any longer Im hoping this will help and get this resolved, as Im trying my hardest to do what I can.
Product: Credit reporting

never late paying apartment rent nor deposit..never late during my two and a half years there ... followed instructions on terminating lease yet got billed for a months rent plus cleaning and damages caused by the maintenance man on a prior incident where he knocked over a fire extinguisher that sprayed all over the place and in the air and under the appliances ... .not my responsibility. I WAS NEVER EVER LATE! manager seemed to hold a grudge against anyone with suggestions of improvement in this seniors facility, and personality changed.
Product: Checking or savings account

On XX/XX/2024, my spouse and I opened a high yield savings account with American Express. My spouse already has a credit card with them, which I am an authorized user on. 
The application included my name and my spouse 's name and our accurate SSNs. The account was opened and we linked it to our checking account and initiated a transfer of funds from our credit union to the XXXX. 
However, when my spouse received confirmation that the account was opened on XX/XX/2024, it displayed a completely unfamiliar name as the account owner ( see attachment - the " XXXX '' person the email is addressed to and the name listed as the account owner are NOT my spouse 's or my names and were never entered into the application ). But this email was sent to my spouse 's email address. We requested a cancel of the transfer until we could figure out why a stranger 's name was on our account. 
On XX/XX/2024, I called AmEx XXXX customer service and they expressed surprise and puzzlement about how a stranger 's name could have made it onto our account as an owner, and my spouse was not named on the account at all. AmEx confirmed that our application for the account included my name and my spouse 's name, but that somehow when the account was created, my spouse was removed and this stranger 's name was added. They said that the stranger 's name was a different SSN than my spouse 's and did not know how it could have happened. 
After being on the phone with them for hours, Amex customer service told me that it was a " system error '' and that they would put in a ticket to change the account owner to my spouse. 
As of the afternoon of XX/XX/2024, the account is showing up in the correct names. 
However I decided to still file a complaint because it is completely unacceptable that we could open an account in our names and then have it mysteriously be changed to a completely different name and SSN due to a " system error '' that no one at AmEx could satisfactorily explain. AmEx should be made aware that this is a serious security issue and seriously diminishes people 's faith in their establishment.
Product: Debt collection

I've attempted four times to contact XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX with written correspondence to validate the debt they claimed I owe since XX/XX/year>. Ive also contacted Experian in writing notifying this information. 
XXXX XXXX has informed me they have no contract on file with my signature certifying I'm the person who opened this account and/or of me agreeing to make payments of this account. Experian continued to allow them to report information knowing this as well! 
XXXX XXXX and XXXX XXXX XXXXXXXX has failed to report any information at all that these debts are mines or proof of any agreements made by myself. 
Experian has failed to uphold FCRA validation process by allowing them to continue to report negatively on my credit report.
Product: Debt collection

Hello I have a debt for XXXX XXXX and XXXX dollars from a collection agency which I was not aware of and I want to dispute it off my credit XXXX says I dont have any collections as well as trans XXXX but it still shows up
Product: Debt collection

I have three paid-in-full collection accounts still showing balances that are not correct.
Product: Credit reporting or other personal consumer reports

I have noticed two hard inquiries on my Equifax credit report that I did not authorize. Both inquires came from XXXX XXXX XXXX  XXXX They both appear on my report under the name XXXX XXXX hard inquiry occurred on XX/XX/year> and the other occurred XX/XX/year>. I did not authorize either inquiry, nor did I apply for a credit card with XXXX XXXX. Around XX/XX/year> I contacted XXXX XXXX regarding the XX/XX/year> credit check. They agreed to flag the inquiry for fraud and sent a notice to Equifax. However, the inquiry still appears on my report at this time. I then later noticed the second hard inquiry on XX/XX/year> and once again contacted XXXX XXXX. However, this time they indicated having no record of any pending credit applications or requests for a credit check. I contacted Equifax on XX/XX/year> to further dispute the inquires on my report, but they instructed me to file a report with FTC.
Product: Credit reporting or other personal consumer reports

I purchased a XXXX phone directly from XXXX using their interest-free credit line serviced by an outfit called TDRCS/XXXX  Account XXXX. 

I had set up automatic payments through my bank and went on with my life. For some reason the bank stopped making auto payments as of XXXX of XXXX  and I was not aware about it until the credit company sent me a letter in XXXX of XXXX  ( why did they wait 5 months?? ) at which point I promptly went ahead and paid off the whole remaining balance of {$500.00} something dollars. 

In the meantime, this company had started killing my credit score by dropping it about XXXX points just because of XXXX missed payments of {$28.00} something dollars. I had 25 years of impeccable credit history, it is obvious that there was no ill intent on my part. What were I to gain by forfeiting XXXX payments of {$28.00}?? It doesn't make any sense. I paid the whole thing off immediately when the issue had surfaced. I contacted the company in XXXX  and wrote them letters which were scoffed at. I spoke to a manager of theirs and again my plight fell on deaf ears with the same rebuttal of " you were late and that's that ''. There was no compassion or any willingness whatsoever to assist a customer with a problem. 

I am coming back to this issue now and I want justice. I opened another dispute with XXXX, which now says it was updated but I don't see any results whatsoever. The delinquency is still on file.