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

acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights. 

Never missed a payments : XXXX XXXX  date XXXX XXXX, fraudulent account : XXXX - XXXX date open:XXXX XXXX Past due amount and payment : date XXXX XXXX XXXX  XXXX Fraudulent account : XXXX XXXX date open : XX/XX/2022 Fraudulent account : XXXX XXXX XXXX date XXXX
Product: Credit reporting or other personal consumer reports

This account was opened on XX/XX/XXXX. This account was reported closed on XX/XX/XXXX, which is inaccurate. After a recent review of this account today on XX/XX/XXXX, the account was updated. However the information is still incorrect because now the account reflects that reopened after being closed and is now reporting late payments. The account is reporting late payments on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All of these reports are inaccurate because they are updates in payment history after the date in which the account was originally closed. Because this account is in a closed status and has been in closed status for over XXXX years now. This account can't be reported late after previously being reported closed and charge off. 

This is an update in payment history after the account has been closed and charged off. I shouldn't have an active payment history on an account that has reportedly been closed and charged off. This inaccurate information falsely manipulates my creditworthiness, and it's hurting my ability to obtain credit. XXXX and Transunion has failed to investigate this account properly after I have repeatedly asked to have the account updated correctly. This neglect has once again violated my consumer rights. I am again demanding the deletion of the following account : Account Name XXXX XXXX  Account Number ; XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit reports pulled by a lender and realized that only XXXX was reporting my data. After much research, it was determined that there is a problem with my social security number. It appears that at some point the last two digits of my social security number were compromised, and now both numbers are associated with my information. 

Please be advised that the last 4 digits of my social security number are XXXX, but some reports have it as XXXX. This error is having a detrimental effect on my ability to obtain credit and needs to be corrected IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX improperly reported a late when I was on auto- debit. Person an the phone did not take credit card auth properly. 

XXXX acct XXXX I have attempted to resolve this issue to no avail. This was reported to the credit reporting agency without my consent and is a violation of my rights according to the FAIR CREDIT REPORTING ACT. 
15 USC 1681 602A states I have a right to privacy.

15USC 1681 section 604A also states a consumer reporting agency can not furnish an account without my written instructions..
Product: Debt collection

I am disputing a collection account that does not belong to me. Credit Collection Services has placed a debt on my credit report that I do not recognize. I have never incurred this debt, and I have not received any communication from this company regarding it. 

Since I am not responsible for this debt, I am requesting its immediate removal from my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute debts that are not mine and request proper validation before any collection attempts or credit reporting. 

I would like the CFPB to assist in investigating this matter and require the collection agency to provide documented proof that this debt is mine or remove it from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX COLLECTION IS REPORTING {$1600.00} A INCORRECT ACOUNT ON MY CREDIT REPORTS. THE ACCOUNT IS NOT MINES ME AND MY FATHER HAVE NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : 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, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update/correct this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior request, and I'm including it again. 
XXXX  XXXX XXXX Balance : {$760.00}
Product: Debt collection

I have a unverified account from XXXX XXXX XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that XXXX XXXX XXXX Cease and Desist all further communications.Credit Collection Services needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
Product: Money transfer, virtual currency, or money service

Bank told me because I was " tricked '' into sending money on my own through bank of America XXXX then it wasn't fraud I was scammed and it's not likely that I will get my.money back. But they first told me they will freeze XXXX XXXX bank of anerica account that he accepted the money into but then I found out they never immediately did anything and never frozed his account or tried to retrieve my money back. Basically I fell for the trick now say bye bye to my money
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and I'm asking for a full investigation into these unauthorized and unknown accounts that's reporting on my credit file. 

1 ) XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX  XXXX XXXX 3 ) XXXX XXXX  {$300.00} 4 ) XXXX XXXX XXXX {$160.00} 5 ) XXXX  XXXX XXXX {$400.00}
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX is showing a balance of XXXX dollars account on my credit report I have no knowledge of this account it was open fraudulent I have never had XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to officially dispute certain items on my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy. 
I have already filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized reporting of my personal information, which I believe amounts to identity theft. The FTC has provided me with a reference number for this report, which is [ XXXX ]
Product: Checking or savings account

On XX/XX/XXXX I received a call from Ally that a {$500.00} XXXX transfer I had received on XX/XX/XXXX had been flagged for fraud by the person who sent it. My father sent this payment to me and I was easily able to confirm that he did not flag it for fraud. Either Ally, the XXXX XXXX, or XXXX flagged the transaction for fraud for some reason and we were not notified. Ally locked my account and froze my funds ( over {$10000.00} ). They said that the matter was under investigation and could take up to 90 days to get resolved. I need access to my funds to pay expenses and bills.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Amount : {$0.00} Date of Account : XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I'm needing assistance with retrieval of my funds from venmo. I did a transfer from XXXX XXXX and there are two different transactions on two completely different days that absolutely don't show on venmo and I never received my funds. I contacted the multiple times by email and phone to try to rectify the matter and they are extremely rude and unwilling to assist me. I had no other choice but to contact you to mediate this matter. The first transaction is on XX/XX/XXXX at XXXX for {$140.00} the retrieval number is XXXX. The second transaction is on XX/XX/XXXX at XXXX p.m. for {$30.00} the retrieval number is XXXX I am not a wealthy individual and I have literally been emotionally affected by this matter. My money being held and being mistreated when I am in need of my money. I will be contacting an attorney to see about pain and suffering that I have endured
Product: Checking or savings account

I opened a checking account at CITI Bank on XX/XX/XXXX, and deposited a {$10000.00} check on the spot. Since I am not a XXXX XXXX, I was asked to provide a lot of supporting information in order to be able to open an account. 
After confirming that there was no problem with the account, I transferred XXXX {$10000.00} from my country to my account by wire transfer on XX/XX/XXXX. 
In the next XXXX days, I was repeatedly informed by the bank that my account was blocked and further information was required. I went to the bank about XXXX times. 
I couldn't bear the bank 's difficulties, so I went to the bank on XX/XX/XXXX, and decided to close my account. They promised to send a check to my XXXX address within a week. 
Then I returned to my country because of my busy schedule. But I haven't received a check from the bank at the address I left for a month. I asked someone to go to the bank to inquire about the reason, and the answer I got was that my account did not need to be closed and could be used again. The only thing I needed to do was go to the bank in person to handle withdrawals and other services. 
When I returned to the XXXX again on XX/XX/XXXX, I went to the bank to withdraw my funds. But I was told that the bank account balance was XXXX. I was extremely shocked because I never received a check. I asked the bank to inquire about the whereabouts of the funds and went to the bank XXXX more times. Then I inquired by phone, but so far there has been no reply about the whereabouts of the funds.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, I applied in Zales Jewelry store for a {$5000.00} line of credit. On XX/XX/2021, Comenity Bank notified potential XXXX XXXX account applicant/customer # XXXX, XXXX XXXX XXXX XXXX through letter to provide Government issued I.D., Social Security Card and a current bill in order to verify my address and identity. Immediately I submitted request documents through email address at XXXX. XXXX credit bureau notified me that my identity was checked and verified by Comenity Bank on XX/XX/2021. I contacted Comenity Bank 3 separate times to try and fix the delays and discrimination towards my application. But I had no success but rudeness. On XX/XX/2021 Comenity Bank sent me a letter of denial due to not being able to verify my identity. I called the denial department and the representative named XXXX was rude to say that I have to go back into a Zales jewelry location and reapply. On the Comenity Bank computer data base, application reference # XXXX, had records of receiving valid US veteran Louisiana government issued drivers license, official Social Security card, and XXXX XXXX Bank credit card bill. I was denied a re-consideration of myZales Jewelry reference # XXXX on XX/XX/2021.
Product: Debt collection

i received a copy of my credit report and found collection debts that did not belong to me and was a result of identity theft. I disputed the accounts and reached out to the companies involved and to my dismay these companies did 3 things. They removed the debt from my account and sold it to another collection company who in turn placed it back on my credit file. They updated the information without doing an investigation according to the fcra laws set in place to protect me as a consumer. They also sent me copies of bills that still didnt belong to me but nothing of an original contract bearing my signatre or copies of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I filed a dispute with Experian by submitting a letter asking them to verify the accuracy of an account with XXXX Dispute # XXXX ( Account XXXX ) and I also advised to send me the original contracts used to verify the legitimacy of the account. They never sent information that was used to verify the account. 

In XXXX of XXXX another dispute was filed advising the same as before.. nothing was sent and the account remains. I do not owe this company and its preventing me from obtaining housing. Please get this issue resolved so that it is removed. Thanks.
Product: Credit card or prepaid card

I have an American Express Serve Account which I have a debit card for. I was able to load money on debit card on XX/XX/2020 at my local XXXX. 

I went to use it XX/XX/XXXX to car insurance bill and it was declined. I attempted several times to no avail. I went to several banks to try and withdraw money from card and was declined at ATM. I try to log in to my online account to see if anything is wrong with card and see that my online account has also been locked and have been advised to contact XXXX number. 

Since XX/XX/XXXX, around XXXX XXXX, I have been calling non-stop ... Saturday night I spent 6 hours on hold and still no one picks up. The number I am calling is XXXX. 

Please help
Product: Credit reporting

Reference : XXXX. XXXX XXXX XXXX XXXX have deny an auto loan based on* Serious delinquency, and public records or collection file*Time since delinquency is to recent or UNKNOWN*Number of accounts with delinquency*Lack of recents revolving account information*Number of recent inquires on credit report. *Credit score XXXX
Product: Credit reporting or other personal consumer reports

Amex reported account past-due for several months despite my proactively initiating a repayment plan due to unexpected medical debt. My account was never not current, but Amex reported it as such for multiple months.
Product: Credit reporting, credit repair services, or other personal consumer reports

No correspondence received after I asked for verification of this account : XXXX Account Number : XXXX
Product: Debt collection

XX/XX/ I received a notice in the mail that I owed a debt from XXXX XXXX XXXX XXXX XXXX  I called XXXX XXXX to get information they said they didnt have any and to call the collection agency. 

XX/XX/ I called the agency and have yet to hear back
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a battle going through this and I am submitting this complaint AGAIN to delete the following fraudulent accounts in my file that are reporting on Experian Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged accounts below showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 

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

I have been a victim of inquiry issue. There are incorrect inquiries on my report and some that have previously been deleted and are back again. Also I have XXXX collection account from XXXX that has been paid but is still reporting a balance. They are not updating my info and have n't been.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been making payments to my account since the opening of my loan in XX/XX/2018. My payments are due the XXXX of each month for {$920.00}. I noticed that the month of XXXX on my credit report that it shows I am 30 days late. I am not currently 30 days late and on my report it states my status was updated on XX/XX/2018 but my payment is due XX/XX/2018. I contacted Ford Motor Credit ( FMC ) via the phone to speak with someone but the Manager was extremely rude to me. The Manager even told me if I can not afford the car then return it. I then wrote a 'Good Will '' letter explaining my situation. I explained that I recently went through a divorce and I've been having competing personal priorities. But I have been making my payments within the 30-day time frame. I knew that I was not 30 days late and I was even having problem with their phone system when making my payment. I spoke with another representative and was advised to use the online site to make another payment. I was assured my account was in good standing. After getting the alert I missed a payment with FMC I immediately reached out to dispute this claim. This 30 day late payment is gravely affecting my credit and even through my divorce I've worked hard to maintain my credit status. As a consumer I want to make sure I can trust my lender to practice fair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested the following accounts to be deleted from my credit report XX/XX/18. I have not received any response. 

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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX