23daVinci/CFPB_Complaints huggingface dataset:
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. 1 contacted Experian, XXXX, and XXXX to reinvestigate this accounts : XXXX Card Services Account number : XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$53000.00} This was mailed on XX/XX/XXXX The results came back twice XX/XX/XXXX and XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modity accounts that aren't reporting correctly. 15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not turnish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate. Due to the inaccurate reporting and fraudulent errors reporting on my credit report, this has dropped my credit score XXXX points. My credit score was XXXX from hard work and dedication and responsible consistent maintenance. In addition this is a business account and responsibility is legal bound to business and by law should not be reporting to my personal credit report only to EIN number under the business. This inaccurate reporting error and violation is financially devastating for me and is a complete hindrance for my financial future and current livelihood. With such a drastic decline in my credit score I am unable to buy a house, obtain credit and provide from my family provide for my family. I am currently suffering from XXXX XXXX XXXX and emotional distress due to this situation.
Product: Credit reporting

On XX/XX/XXXX I Purchased an item from XXXX XXXX, paid with XXXX account, I never received the item. I opened a claim immediately but because I had a credit with XXXX they still charged me for the item. XXXX took a long time with the dispute and closed my account showing that I still owed it. 60 days after the dispute was open they closed my account after repeated calls and speaking with supervisors. 
XXXX finally answer the dispute after I dealt directly with XXXX since XXXX did not move on it, XXXX confirmed with XXXX and after their investigation they determined that I in fact never received the item. XXXX provided me with a letter apologizing for the mistake. XXXX tried to reimburse XXXX but my XXXX account had already been closed by XXXX. On XXXX XXXX sent me to their collections agency, XXXX XXXX XXXX, to whom I also disputed the validity of the debt and provided them with proof of the dispute but they did nothing. XXXX charged me interest over interest and sent me to this collection agency. I did not owe this account. 
Item was {$99.00} I ended up finally paying the collections agency because both accounts affected my credit. Paid over XXXX in charges and penalties for an item that I never received and for the lack of professionalism and protocol that XXXX should of taken. First they never followed up with their procedures on the dispute and then followed up with closing my account. It was through my own efforts that I got things settled directly with the merchant. 
For years this was a battle between XXXX and then the collection agency. It has affected my credit and not to mention put me through the anguish of fighting them with different people who none of them were helpful. 
I request a full reimbursement for all fee 's paid plus money for damages and anguish caused. But most of all I want these XXXX companies deleted of my credit report. 
XXXX / XXXX Account # XXXX & XXXX XXXX XXXX My report does not show that I owe them because I needed to show some what of a positive report but never the less they still show on my report and it has affected me in obtaining loans with higher interest rates and not being able to qualify for a mortgage loan. 

Please humbly review all my letters and the facts and restore reinstitution because no one else should be subject to all of this anguish and pain brought by one company who had til this day not taken any responsibility. 
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX
Product: Vehicle loan or lease

I was not able to work due to me and my family having XXXX. I contacted my auto loan company and they refused to assist me with options for payment. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and a XXXX XXXXt on XX/XX/21 my son was hospitalized with XXXX in which I stayed with him until XX/XX/21. I am unable to return to work until XX/XX/21. I notified the company and they falsely advertised that they will help customers with payment options during the pandemic. Ive called them multiple times and the agents would not let me speak to a supervisor. XXXX was the last representative.
Product: Credit reporting or other personal consumer reports

XXXX Someone tried to open a credit acc without my permission XXXX Someone tried to open a credit acc without my permission XXXX XXXX XXXX  Someone tried to open about 5 loans without my permission XXXX XXXX Someone tried to open about 5 loans without my permission XXXX XXXX XXXX Someone tried to open about 5 loans without my permission Credit acceptance Someone tried to open about XXXX loans without my permission XXXX XXXX I have more then one inquiry from them XXXX XXXX XXXX Someone tried to open about 5 loans without my permission XXXX XXXX me I was told about XXXX lies on a car I was trying to purchase they said I could get the car with XXXX k down but then said I had to put XXXX XXXX down which is misleading and fraud Some of these car loans places wouldnt approve me without a co signer. After they said I could get XXXX and be approved they lied about that cause I still didnt get approved for the loan at all once I acquired the co signer My bank which is XXXXXXXX XXXX  lied said I couldnt get a loan but I talked to someone and they said they didnt have a problem getting approved with their new credit and just starting off which means misleading info and prejudice XXXX XXXX XXXX XXXX which is also my bank did the same thing mislead information to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, AD ASTRA RECOVERY SERVIC # XXXX, XXXX XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Mortgage

Sequence of events : 1. ) In XXXX - XXXX of XXXX, while negotiating with Fifth Third Bank our lending institution, to expand our line of credit, which was coming due in XXXX - XXXX, XXXX, they changed our loan officer from a woman, to a man XXXX, who I believe, is XXXX, ( this will become apparent as we go on ) & has caused the destruction of my business. ( He 's since been moved up the ladder. ) Following that meeting we were moved to loan workout for no apparent reason, we never missed a payment were late & broke no covenants, however soon after we were informed of a ratio covenant deficiency we believe was caused by them. In XXXX of XXXX, when credit facility ended, instead of offering extension, we were forced to sign a forbearance which said we admitted default, though there was none, but we had no choice, or declare bankruptcy, nor could we find an attorney willing to defend us. 
Several other incidents took place forced by them including, bouncing checks, causing loss of our best supplier, further eroding our supplier base. We were then forced out of the bank to to an Asset Based Lender, who could not do real estate, our mortgage loans remained with Fifth Third, with the proviso that as soon as possible we 'd get them refinanced elsewhere, which became impossible due to our losses & the hard line forced by Fifth Third. 
In early XXXX, they began to further harass, & seek to foreclose, even though no payments were missed or late, again with the default complaint as the basis. We then hired an attorney who filed a motion in court to block their attempt, which held up until, XXXX of XXXX, & we were forced to file Chapter XXXX for the entities owning the properties, to protect from foreclosure which is where we stand today, with little less than 10 days to go, they have been relentless, ruthless & I believe XXXX in their pursuit, why else? 
Summation : We have not caused the bank to lose any money, they were paid out. 
For a covenant violation, they 're entitled to ; basically confiscate our properties & end all chances of our staying alive?? 
Continue to cause additional losses to XXXX & XXXX by litigation expenses, theirs & ours?? ( upwards of ( {$100000.00} ) As of XX/XX/XXXX They can always foreclose if we stop paying, they are the first lien holders!! 
Why they want our properties, which are appraised for far more than the balances. 
XXXX of the properties, is backed by the XXXX which generally does NOT allow foreclosure if paid regularly & on time. 
SO WHY? There has to be some sinister reason for this action, there is no downside for them, why not allow us to maintain status quo?????
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. 

Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Sept. of Education  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 an 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, other than records of convictions of crimes which antedates the report 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: Credit reporting, credit repair services, or other personal consumer reports

WRONG SSN XXXX  : XXXX & XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

( XXXX ) XXXX ( XXXX ) XXXX. 
XXXX XXXX XXXX XXXX Collection account. {$920.00} past due as of XX/XX/XXXX. 
Date Opened XX/XX/XXXX XXXX XXXX. 

XXXX XXXX  XXXX Account charged off. {$270.00} written off. {$610.00} past due as of XX/XX/XXXX. 
Date Opened XX/XX/XXXX. 
XXXX XXXX XXXX {$1600.00}. 

XXXX XXXX XXXX {$1200.00} Account Status120+ DAYS PAST DUE. 

XXXX XXXX XXXX {$6000.00} Account Status120+ DAYS PAST DUE. 

XXXX XXXX XXXX {$3500.00} Account Status120+ DAYS PAST DUE. 

Inquiries XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : TN CHILD SUPPORT Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide evidence of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

Account Name : TN CHILD SUPPORT Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it is only showing on my TransUnion account. Please provide evidence of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

I would like to formally dispute the hard inquiries listed on my credit report, as I believe they are fraudulent. Please investigate these entries and take the necessary steps to remove them from my report. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting or other personal consumer reports

Lockhart & Morris & Montgomery CRST XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$1200.00} I tried to dispute this account with all three credit bureaus
Product: Money transfer, virtual currency, or money service

I requested two withdrawals, one for XXXX XXXX, and the other for XXXX XXXX on XX/XX/2022 around XXXX pm EST from my BlockFi Wallet account to two of my linked checking accounts. Per email/social media customer support these withdrawals should've been processed by today XXXX EST XX/XX/2022. They have not processed and still show as pending on the BlockFi platform and have not been released to me, which is concerning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just sent a letter to XXXX ( their address is on their website. ) I couldn't even get into my XXXX  OR XXXX   because whoever is using my information ( and apparently working under my SSN! ), has been doing this for awhile. Therefore, I can't answer the security questions. It has been a very long time since I checked my credit reports, and I can see there are several accounts on the Transunion credit report ( that are NOT mine. ) I am on XXXX, so I drove down to the Social Security Office and alerted them, as well. I recently found out, also, from the manager at my section 8 building, that someone has been WORKING under my SSN. Apparently, this person is somewhere in California. I am in Florida. This is when I reported it to the local SS office here in XXXX XXXX XXXX, Florida. My next move is to file a police report and alert the IRS. I couldn't get into my XXXX and XXXX  reports, which is why I'm submitting this information for help, in hopes they get alerted as to what has happened. Thank you so much for your help and time, in advance. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX XXXX  you are reporting XXXX XXXX  last reported XX/XX/XXXX XXXX  it states closed in XX/XX/XXXX OVER THE STATUE OF LIMITATION over 10 years I should Sue both of you Document of proof enclosed CFPB I request you step in on this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Debts result of ID theft, account takeover fraud etc-see links below ( court order, local police, FTC, iC3, etc included in links below for your verification-zip file too large for attachment ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete lines immediately-waiting for months-accurate history needs to be moved to new credit profile granted for XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I asked them to remove the collection from my credit history I never went into contract with them and they were unable to validate my debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Transunions inquiry issue and they are refusing to remove the inquires they removed and replaced back onto my report. By law I was supposed to receive a 5 day writ and that never happened. 

Below are the inaccurate inquires : XXXX XXXX XXXX XXXX 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 attached an FTC report with a fraudulent account and fraudulent inquiries I did not authorize, please delete
Product: Credit card

I have XXXX credit card for the last several years. The account was with XXXX XXXX XXXX ( XXXX ). There was a promotional balance transfer offer of 0 % interest rate until XX/XX/XXXX with a 4 % transfer fee. I availed this offer and transferred {$29000.00}, with 4 % transfer fee, the total balance in my XXXX account was {$30000.00} Subsequent account statements from XXXX did not charge me any interest or other fees, I was paying the minimum amount to be paid as stated on the statements. 
The account was transferred to Comenity Bank in XXXX, XXXX ( by the bank, not by me ). Subsequent statements started charging very high interest charges on the balance. 
I contacted Comenity Bank at least XXXX times with whatever document I had. I contacted XXXX to provide additional documents. However, XXXX said they don't keep any documents when the account transfer happens. All documents are with the new institution. 
I submitted my email of confirmation of the balance transfer with the promotional offer, I submitted the last XXXX  statement where no interest charges or fees and the first statement from Comenity Bank where interest charges started. Still, Comenity Bank came back that the charges are right. There is not enough proof of the promotional offer. 
If XXXX did the transfer of my account to Comenity Bank, it should be Bank 's responsibility to keep all the information and provide right treatment. Even after I submitted enough proof, Comenity Bank came back that it is not enough. 
I am with high stress because of this injustice. Would appreciate help. If you need any information, I will be happy to provide whatever I have and that should be good enough. I have attached the confirmation email of the transaction completed with the promotional offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a charge off on my report for a XXXX XXXX. They are debt collectors and I never heard of them. They called me once, I demanded validation of the debt, and never heard from them again. Found the charge off when I was denied a mortgage. Filed an Identity Theft report with the FTC, XXXX, and notified the credit bureaus. Equifax is the only one who refuses to remove it- dont know why as they wont say. It isnt me, and Equifax has wrong addresses on me in its file too. 

Equifax needs to remove this bogus trade, one!
Product: Debt collection

Incident of Identity Theft Received Collection Letter from MRS dated XX/XX/2021 via USPS. Letter cites an unpaid account with XXXX XXXX. I do not have a cell phone contract with XXXX I am an XXXX XXXX XXXX cell phone customer. Called MRS on XXXX and XXXX XXXX to resolve fraudulent collection and was told to contact XXXX which i did on XXXX XXXX. XXXX stated account was with MRS for collection. Attempts for to correct identity theft associated with the fraudulent action have been unsuccessful. MRS letter is attached
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I received notice that my credit score went down due to a late payment of {$6.00} from XXXX XXXX XXXX Bank. I called them as I was never notified of the {$6.00}. In addition, I paid this account in full on Line in XXXX. XXXX XXXX 's said that it was an automation process and would take care of this issue immediately. By the end of XXXX, the credit reports were corrected and my credit scores went back to over 800 where they should have been. NOW, in both XXXX and XXXX, I contacted both verbally and online, the TRANSUNION agency as they reverted My credit score back to the 600 's after the problem was fixed. Both times they sent me stating the problem had been resolved but have not set my credit score back to the 800 's. I am just totally frustrated with TRANSUNION. They are the worst. I want the problem solved. Thank you.
Product: Credit card or prepaid card

In XX/XX/XXXX I noticed a credit card listed on my XXXX credit report from XXXX XXXX The credit card has a {$4000.00} credit limit, was opened in XX/XX/XXXX. It was then closed in XX/XX/XXXX with an outstanding balance of {$2500.00}. 

I notified XXXX XXXX XXXX and they were to investigate this matter. As of today 's complaint, this account is still on my credit file with reporting of 2 late payments on my credit file. This fraudulent account has also caused my credit score to decline significantly. Futhermore, this account is only reporting on XXXX and not the XXXX other credit reporting agencies- XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  Balance : {$1400.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX  Balance : XXXX