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

XX/XX/XXXX I was notified of an aged account reporting to my Transunion credit report. The account reported a name and address that Ive never been associated with ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Ive been a victim of file merging and identity theft. 

I submitted my 5th dispute via mail on XX/XX/XXXX that Transunion JUST uploaded XX/XX/XXXX ; which is past 30 days. 
My file has been in the special handling /file merging department of Transunion for years. There is no way the debt can be verified accurate when the debtor has a completely different first and middle name. Ive asked for proof of validation four times and each request has been ignored. Transunion is the ONLY CREDIT BUREAU REPORTING THIS INACCURACY. 

Per Federal Law 15 U.S CODE 1681a ( 2 ) ( Ai ) ; 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. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate. 

I also understand that according to federal law 15 U.S Code 1666b ( a ) ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Lastly, by Federal Law 15 U.S Code 1681c-2, section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have provided all information legally required for this inaccuracy to be removed and blocked from my credit report including : ( 1 ) FTC Identity Theft Report ( 2 ) Police report ( 3 ) Utility Bill ( 4 ) Photo identification ( 5 ) written statement that the account was not opened by me. 

Transunion has stalled multiple disputes since XX/XX/XXXX with a different excuse every month including : ( 1 ) not receiving substantial proof of identity, ( 2 ) stating they could not locate my credit report even with my file number and social security number provided on each document, ( 3 ) and now stating the debt has been verified but, has yet to furnish proof of validation of the debt. 

Please remove this XXXX XXXX XXXX XXXX  account from my Transunion Credit report. It has been 5 months of disputes. This is negatively impacting my well-being.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$1500.00}
Product: Student loan

I consolidated my loans in XXXX of 2022 through XXXX to be transferred to MOHELA. Some of the loans were not able to be consolidated because of the in school status. I was directed by XXXX  to fill out a request to add loans to consolidation after taking those loans out of in school status. I filed that form and my loans were marked as paid in full via consolidation in XXXX of 2022. Those additional loans are still not added to my MOHELA account. I have reached out to MOHELA several times and they tell me different thingsthat my current balance is accurate ( even though its missing the added loans ) or that I need to contact XXXX. When I contact XXXX they tell me theyve sent the consolidation information to MOHELA and to contact them. I filed a complaint with XXXX and they told me the loans are still with XXXX according to the loan tracking, but closed the case. I am missing more than half of my loans on my balance and no one can tell me if or when it will be added to my account.
Product: Mortgage

My mortgage was recently transferred to this company. They keep reversing my payment for the mortgage. I have never had a mortgage company reject my payments. They are telling me they have no idea what is happening, but I will be in default if they don't accept the payment. They have reversed 4 payments I have made.
Product: Credit reporting

Experian is releasing my credit information to those without authorization. 
XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX, Chief Financial Officer, XXXX XXXX XXXX, specializing in VA mortgages pulled my credit 6 times in the last year. Most recent pull XXXX/XXXX/2016. I have no relationship with XXXX. I have never heard of XXXX until seeing them on my credit report, pulling my credit. I have never authorized XXXX to pull my credit. 
XXXX XXXX XXXX, XXXX, XXXX, VA XXXX, XXXX XXXX XXXX pulled my credit XXXX times. I have no relationship with them and they are not authorized to pull my credit. 
XXXX XXXX XXXX XXXX, XXXX, MT XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX has pulled my credit without authorization 4 times over the past year. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX has pulled my credit without authorization most recently XXXX XXXX, 2016. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX was permitted to pull my credit twice without authorization. XXXX XXXX XXXX XXXX XXXX pulled my credit XXXX times without authorization. I have no relationship with them.
Product: Payday loan, title loan, or personal loan

I obtained loan and used car title as collateral. I purchased new vehicle unrelated and now can not get rid of original car I used as collateral because of lein. Vehicle is not operable and lender will not release title. I am now stuck with responsibility of vehicle that doesn't even run and lender is refusing to help
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX for failing to comply with federal laws governing the handling of disputes under the Fair Credit Reporting Act ( FCRA ) and related consumer protection statutes. XXXX has refused to properly investigate or remove fraudulent accounts reported to FTC Identify Theft on my credit file, causing significant harm and violating my rights. 

Background : On XX/XX/XXXX, XXXX informed me that XXXX of the fraudulent accounts I reported on XX/XX/XXXX to the FTC Identity Theft as fraud accounts were " verified '' per the debt collector, despite being flagged as fraudulent. This response came after XXXX  days of delay, resulting in an inconclusive decision and allowing the fraudulent accounts to remain on my credit report. 

CRAs Failure to Comply : Despite my clear and lawful dispute, XXXX either failed to perform an adequate investigation or improperly verified the accounts with the original creditors/debtors without validating their legitimacy. This constitutes a violation of my rights under 15 U.S.C. 1681i ( a ), which requires XXXX to conduct a reasonable reinvestigation of disputed information and delete inaccurate, incomplete, or unverifiable items. 

Harm Caused : The continued reporting of these fraudulent accounts is negatively impacting my credit score and financial well-being. Additionally, I have spent considerable time and resources attempting to correct this issue, only to encounter further delays and noncompliance by XXXX. 

Laws Violated : Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : XXXX failed to meet its obligation to reasonably investigate my dispute under 15 U.S.C. 1681i ( a ). XXXX continued to report unverifiable and fraudulent information, violating 15 U.S.C. 1681e ( b ), which mandates accurate reporting. XXXX willful noncompliance with its obligations constitutes a violation of 15 U.S.C. 1681n, which provides for civil liability for willful violations, including damages, attorneys fees, and punitive damages. 
Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) : XXXX improperly relied on a creditor or debt collectors unverified claims without ensuring the accuracy of the account, potentially facilitating abusive debt collection practices. This constitutes a violation of 15 U.S.C. 1692k, which provides for civil liability for violations, including actual damages, statutory damages, and attorneys fees.
Product: Checking or savings account

I bank with PNC Bank, they withdrew XXXX XX/XX/XXXX XXXX Overdraft Item Fee XX/XX/XXXX XXXX Overdraft Item Fee XXXX XXXX Overdraft Item Fee which cause my account that was not ( negative ) to become negative. 
I called PNC Bank, I was only able to ask that a manager call me back. When the manager did call me back, he was rude, arrogant and not helpful. 
He could not reasonably explain the charges, and was talking in circle. 
I just want the funds returned to my account.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

Recently my credit report was pulled and I was told that I have a collection report form Sequium ( collecting for XXXX XXXX ) I have been a client and still am a client of XXXX   and XXXX XXXX since 2015, so I didnt understand why they were reporting me as a collection. 

So today I first called Sequium. A lady by the name of XXXX answered. I told her that I wanted to find out why I am being reported in collections with XXXX XXXX as I am not behind on anything. She asked for my name, telephone number and zipcode. She then asked for reference number. I did give her my name, telephone number and zipcode but I didnt have a reference number as I had never received anything in the mail from them. I did ask if she could look up my account with my social security number and she said she couldnt. She said she wasnt able to locate my account and she wasnt able to explain why they are reporting me as a collection I then called XXXX XXXX and spoke to a lady named XXXX ID XXXX. She is in the billing dept and said then there is no balanced owed and no lates showing in the system, and couldnt tell me why I am being reported as a collection on my credit report. 

Please help me get this removed as this is clearly a mistake. I spend 3 hours today but got nowhere. Thanks for your help! I am attached a pic of that section of my credit report so you can see how they are reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit as well as 5 inquiries that are on my credit that are not mine and these accounts I have not signed used or even applied for I have sent out a dispute for all the bureaus back in XXXX and I am still waiting for a response back please help me this is hurting my credit and I dont feel I should pay for something that is not mine. 

XXXX - Acct # XXXX Amt {$0.00} XXXX - Acct # XXXX Amt {$570.00} INQUIRIES XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX.-Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX-Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing this personal statement on my behalf. I've recently uncovered fraudulent information on my credit reports. My personal information was used to open accounts and gain financial goods and services without my consent. I request that the information in this report and attached to my statement be removed immediately. The accounts are listed as follows : Accounts requesting to be removed ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not consent the following inquires to be done. I applied for a car loan at a dealership and my application was submitted to multiple banks without my permission. Please see below the following inquires by company name, and reporting agencies. Please remove these inquires. 

XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXXXXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX  XX/XX/year> Experian XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Experian XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Experian XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXXXXXX XXXX  XX/XX/year> Experian XXXX XXXXXXXX XXXX XXXX  XX/XX/year> Experian XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Experian XXXX XXXX  XX/XX/year> Experian XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED XXXX XXXX LOAN SERVICES ABOUT REPORTING INACCURATE INFORMATION ON MY ACCOUNT SINCE XXXX WHEN I WAS FIRST APPROVED FOR MY ACCOUNT WITH THEM THEY HAVE BEEN REPORTING INACCURATE DATES ON MY CREDIT REPORT STATING THAT I HAD LATE PAYMENTS IN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. I HAVE SENT OFF SEVERAL LETTERS IN XXXX, XXXX, XXXX AND XXXX AND XX/XX/XXXX ASKING THEM THEM TO REMOVE THESE INACCURATE REPORTINGS OFF MY CREDIT REPORT I HAVE NO HEARD ANYTHING BACK FROM THEM, I TOOK IT TO THE NEXT STEP IN XX/XX/XXXX ASKING EXPRESSION, XXXX  AND TRANS-UNION TO REMOVE THIS INACCURATE INFORMATION FROM MY REPORT I HAVE SENT THEM EVIDENCE SHOWING WHEN I HAVE MADE MY PAYMENTS I STILL HAVE NOT HEARD ANYTHING BACK AND IT IS NOT XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX was the student loan debt holder. Student.gov sent me a letter exonerating my balance in full. I sent the letter to Experian XXXX XXXX to clear my debt through their dispute center and nothing has been done to close thos account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TranUnion XXXX  and XXXX  regarding my information being used without my authority. I have requested multiple times that the inaccurate information accounts and inquiries be removed.
Product: Credit reporting or other personal consumer reports

I have an account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I contacted them to advise them of two accounts showing on the page with I long in and on my credit report. Their customer service representative advised she did see this and would submit the necessary paperwork to have it investigated and corrected. She advised she would lock the one account and ended up locking both accounts. Which meant I could no longer access any information or make a payment to the account at all. Once their investigation was completed the company advised of no wrongdoing and that they saw no issue. However, with the photo evidence you can see that this is truly incorrect. Now they are reporting that I am 60 days late on my credit report. Destroying my credit score. Please see evidence attached. I have attempted to work with them to resolve this issue which I have done my research and found that I am not the only one this has happened to. Please assist me in correcting this issue.
Product: Mortgage

We have an interim construction loan with Willow Bend Mortgage. They released {$22000.00} to our builder at closing ( XX/XX/18 ) without our knowledge. They informed us on the closing disclosure during the closing process. However, they did not verbally inform us and we missed the fine print. 
The builder requested a second draw ( XX/XX/18 ) which we approved thinking it was the first draw. The mortgage company did not require the builder to provide any invoices, paid permits, or any kind of proof that the first draw had been used according to the draw schedule. At the time he requested the second draw he had used {$2100.00} towards our property of the {$22000.00} he received. Additionally he received {$5000.00} earnest money. 
The mortgage company has defend the builder and applied no pressure for an accounting of the money drawn ( {$39000.00} ) their stance is I know it seems like a lot of money to you but its only 7 % of your loan its not our job to go knocking on peoples doors to get your money back this is between you and the builder Our issue with the bank is that they gave him the second draw without any documentation that the first draw was used appropriately. We understand with the first draw its an upfront draw so there isnt any proof required with that first soft draw. However, with the second draw there should have been some type of checks and balance system in place.
Product: Checking or savings account

So on XX/XX/XXXX my wallet was stolen from me, and on XX/XX/XXXX it was used for a purchase on some online site in the amount of XXXX. I contacted chase and explained to them my card had been stolen and that it had been used for an unauthorized purchase. I told them I filed a police report and could provide it if needed and they said they wouldnt need it. Fast forward now they have reversed my claim and refuse to tell me why as this was not me. I am already going through a rough time with XXXX. as i lost my job and chase has made it an even tougher time allowing someone to scam me and side with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Report act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX and credit card, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USB 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

Regarding : my U.S. Bank VISA XXXX XXXX XXXX XXXX In XX/XX/2024, I received an email offer from U.S. Bank, expiring on XX/XX/2024, promoting ExtendPay Plans with {$0.00} fees. On XX/XX/XXXX, I initiated a {$1200.00} transaction ( motel reservation ) intending to utilize this offer by combining multiple transactions totaling over {$2000.00} into a single ExtendPay Plan for an extended pay-back period.

Regrettably, the transaction didn't clear until XX/XX/XXXX, post-expiration of the {$0.00} fee offer. Anticipating a new offer, I delayed action until XX/XX/XXXX, the deadline for ExtendPay Plan creation. However, on XX/XX/XXXX, an autopay inadvertently applied the transactions, prompting immediate action. 
Despite promptly creating an ExtendPay Plan, a subsequent payment fully cleared the newly created plan of {$2400.00}. Following U.S. Bank 's suggestion, I sought a payment reversal and requested XXXX, the payor, to stop payment. While XXXX initially cooperated, subsequent actions led to further complications. 
Repeated attempts to rectify the situation resulted in prolonged and frustrating interactions with U.S. Bank, amounting to 16 hours and 40 minutes of phone calls. Despite these efforts, my account balances remain inaccurate, with no satisfactory explanation or resolution provided by U.S. Bank representatives.

Given the complexity and ongoing errors, I request a thorough investigation into my account, including a review of recorded phone discussions. Attached are comprehensive records documenting the sequence of events and communications, including 35 attachments detailing the historical list of records and a list of phone calls made.
Product: Debt collection

I recently purchased a new phone. XXXX XXXX XXXX had asked me to mail in my current phone. They said that I'd be charged a fee if I did not return it. I immediately sent the phone back, as requested. I assumed everything was handled. We are in the middle of purchasing a new home and I was asked about a collection item that is from AFNI. After further research, I see it was a charge from this phone. XXXX & XXXX is claiming they did not receive it and have charged me this fee. Now AFNI is attempting to collect from me. This is an invalid debt. This needs to be handled immediately. If this matter is not handled immediately. I'm not in jeopardy of not qualifying for this home and if we do, the interest rate is going to be considerably higher than it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted the attached letter on XX/XX/2022 to Experian. Additionally, I submitted evidence that the account in question is closed and no longer active. 

However, Experian continues to report as an open account and it is negatively affecting my credit. They have not responded. 

They have not responded and have not removed this from my credit report. 

Please assist me in having this account removed from my credit report. 

Thank you!