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

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX   partial account numbers XXXX. ( Please see pages 16 and 17 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In accordance with XXXX XXXX, I am formally requesting their removal within XXXX  days. Enclosed are the necessary documents for your review.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX, Amount : $ XXXX XX/XX/2XXXX XXXX XXXX XXXX AMount : {$63.00} XXXXXXXX XXXX XXXXXXXX Amount : {$140.00} XXXXXXXX XXXX XXXXXXXX Amount : {$180.00} XXXXXXXX XXXX XXXXXXXX Amount : {$400.00} XXXXXXXX XXXX XXXXXXXX Amount : {$280.00} XXXX XXXX XXXXXXXX Amount : {$170.00} XXXXXXXX XXXX XXXXXXXX Amount : {$230.00} XXXXXXXX XXXX XXXXXXXX AMount : {$120.00} XX/XX/XXXX XXXX XXXXXXXX Amount : {$70.00} Date : XX/XX/20XXXX XXXX XXXXXXXX Amount : {$280.00} XX/XX/2XXXX XXXX XXXX Amount : {$270.00} XX/XX/XXXX XXXX XXXXXXXX Amount : {$320.00} XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In an attempt to apply for credit, I was denied and checked my consumer credit report. XXXX was the only reporting agency that had a credit score for me, and also had a late payment showing on my XXXX XXXX account. This is completely incorrect! I checked further and saw there were two companies, XXXX and XXXX XXXX XXXX, both on my report as collection agencies. This is definitely fraudulent because I never opened any kind of account with the, or are in no business contract or obligation. I noticed both Equifax and XXXX also have collection accounts for me for XXXX XXXX XXXX and XXXX XXXX, companies that I have no knowledge of nor should they have the right to defame me. I have contacted all three CRAs and there still has been nothing removed.
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX  {$2000.00} ( not the exact amount ), XXXX XXXX, XXXX Credit Card is XXXX document number online XXXX They have called me abusing addressing all rudeness much of the day from XXXX number. They have publicly placed my provider information online for all to see. I am a federal employee and a woman my information being placed online is making it unsafe for me and impossible for me to find a job when I have a public record thats online.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT TheXX/XX/XXXX Missouri # XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX, XX/XX/XXXX. # XXXX, XXXX XXXX # XXXXHAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Experian about fraud. XXXX XXXX XXXX / XXXX XXXX XXXX added a XXXX XXXX line of credit, that was fraudulently obtained in my name, to my credit report. A police report was filed and all 3 credit bureaus notified. The XXXX XXXX account ending in XXXX was removed but XXXX XXXX XXXX has added it back to my credit profile with themselves listed as the creditor. 

XXXX stated they can not find a credit file with information I submitted to them. I've attached the police report and supporting documents outlining the fraud.
Product: Credit card or prepaid card

I received a debit card from Bank of America on XX/XX/2022 that I did not apply for. I called Bank of America on XX/XX/2022 and requested that the card and account be cancelled.
Product: Student loan

I co-signed on my daughter 's loan of {$10000.00} with Sallie Mae. Between my daughter and I the payments we made add up to {$4100.00}. XX/XX/2019 statement says the current balance is {$11000.00}. 
Sallie Mae has been charging us late fees every month even when the payments were on time. I would call and dispute this with them. They would constantly pressure me into automatic payments. I refused because I did it once, but cancelled few months later because I had set payments on automatic then they started taking what they felt was right for them without my knowledge. There had been years of harassing phone calls and mailings saying I'm delinquent when I wasn't and to enroll in automatic payments. I called and spoke to many supervisors and XXXX. The calls, mailings and only a few late charges were dropped. To this day I still feel it's not right.
Product: Mortgage

U.S bank denied to refinance my current loan because they were " Unable to verify residence '' despite providing a XXXX and an approved XXXX. I currently have an FHA loan that originated with my brother who is a Permanent Residence. I ca n't refinance with my brother now due to his poor credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this follow up complaint to once more address the persistent issue of numerous fraudulent items remaining on my credit file despite previous attempts to have them removed. It is unacceptable that Experian and XXXX Credit Bureaus have failed to comply with the law and continue to maintain inaccurate information. I demand immediate removal in accordance with Section 605b of the FCRA, which clearly states that in the absence of any proof documentation bearing my signature, these items must be PROMPTLY DELETED from my credit file : EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was given a notice by attorney XXXX XXXX of XXXX, Michigan on behalf of Huntington Bank that I allegedly owed a debt on a credit card. Once I received this notice I sent letters three times to attorney XXXX  asking that the documentation ( I have attached one example of the letter I sent ) regarding these claims be sent to me. He never responded, instead he filed a lawsuit in the local district court against me on behalf of Huntington Bank ( also attached ).  In addition, in that lawsuit he had me named but asked for a judgment against a different person, whom I know nothing about and never heard of that person. Also, when they posted the lawsuit on my door, they caused damage to the door. During this whole process, they continued to harass me, but yet did not provide any documentation.
Product: Credit reporting or other personal consumer reports

Hi I notice some unauthorized inquiries account installment loans car loans collections and student loan on my account that not mines an thats not accurate and are paid off and by the FCRA I would like them removed or pay and pay as agree XXXX XXXXXXXX XXXX XXXX paid off but have late payments never missed and 15USC 1681 A, 2, a, I, Late payment Student loan thats not mines in I want them to b removed or pay or pay as agree XXXX XXXX XXXX XXXXXXXX {$7400.00} {$4300.00} {$1400.00} DEPT OF EDUCATIONXXXX XXXX {$6200.00} {$4300.00} {$4700.00} {$1200.00} {$39000.00} {$930.00} {$7700.00} {$5400.00} I also have XXXX collections thats not mines want they remove off my credit report XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXX {$620.00}
Product: Money transfer, virtual currency, or money service

I have an account with the company, Crypto.com. On XX/XX/2023 I initiated a transfer from my fiat wallet to my credit union, XXXX XXXX XXXX. The funds showed they had been removed from the Crypto.com fiat wallet, with an anticipated deposit time of 3-5 business days. When that time passed, I contacted the company to see if there had been a problem. My XXXX XXXX verified they have not received any funds, and there is no error/notes on my account about an issue. Every contact I have had with crypto.com has been via in-app messaging or email, as they do not have any phone numbers publicly available. When I received constant canned replies, from different reps every time, saying they were looking into it, I finally asked for the email for the CEO or CFO, and they would not give me any ability to escalate. I have never been informed if the funds were returned to crypto.com due to some error/issue, or had anyone give me ANY concrete information about options, timelines, progress, or status.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$29000.00} XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

Complaint Description : Rushmore Loan Management XXXX XXXX XXXX XXXX, XXXX, CA XXXX NMLS ID : XXXX ( XXXX ) XXXX is withholding my {$34000.00} National Flood Insurance Program claim in escrow and will not remit the funds to me. My property, XXXX XXXX XXXX, XXXX, OH XXXX was damaged by flood on XX/XX/2018. The damage was inspected by a FEMA inspector and XXXX insurance company paid the claim. By law the funds were forwarded to XXXX XXXX XXXX XXXX XXXX XXXX XXXX File # XXXX. Rushmore sent an inspector to my home and he determined that I had completed 85 % of the remediation and repairs. At least 6 times requests for 85 % of the monies held in escrow has been submitted by Rushmore 's 3rd Party XXXX XXXX XXXX. Each time the request has been denied. I have submitted ALL requested documents, receipts, transcripts, letters, etc. I need the money to complete the repair of my flood damaged home. 
Your Desired Resolution : I am requesting that Rushm ore Loan Management Company remit the National Flood Insurance Claim money that they are holding so that I can repair my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, and I have rights under 15 USC 1681 Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX  # XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX on report twice Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed Account Name : XXXX Account Number : XXXX Sent certified mail to Transunion : XX/XX/XXXX XXXX second request ) Sent certified mail to XXXX : XX/XX/XXXX Sent certified mail to XXXX : XX/XX/XXXX Credit Bureaus, Transunion, XXXX XXXX and XXXX, all three stated that the accounts were properly investigated and verified the accounts and information as accurate but the information for the account is still inaccurate. The date opened, the date last active, high credit and the date last reported are all inaccurate still. The payment history is incorrect and also not reporting correctly and Transunion does not report any payment history at all. How can this account be verified as accurate when nothing is accurate or reporting correctly or consistently? This is grounds for immediate removal and they have also violated my rights under 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. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts on my credit report.

They have had plenty of time to actually verify and correct any errors but still have not and just keep sending back that the account is verified wasting my time and doing personal harm to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a XXXX XXXX XXXX and became sick. I went to the hospital and check out. I gave them my Medicare card for insurance. I check my report and United Consumers appeared representing XXXX XXXX XXXX. I called them said they used the card for Medicare, That's wrong. They didn't want to hear it and reported it. This is effecting me.
Product: Credit reporting or other personal consumer reports

I have old accounts from over 8-10 years ago still on my credit report. I have also disputed some accounts and the credit bureaus act as if they did an investigation and they did not. They are not notifying the creditors and bringing back the right information. I know for a fact that they were not. I am willing and preparing for a private Credit Bureau lawsuit because these lies & uncredited worthy bureaus has did awful things as far as my life is concerned financially. This is the 4th or 5th time contacting the Cfpb, and you have done nothing. Not one thing. So, everyone involved can be looking for a MASSIVE LAWSUIT that I will have publicized. Thank you.
Product: Credit reporting or other personal consumer reports

Experian and XXXX 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. ( 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 disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting

Experian once again sent me a letter when I asked them to provide me the documentation that my account with XXXX was actually late at any time. PER The law in section 609 They must have on file the physical documentation to support their reporting, EXPERIAN REFUSES to give me this information. They sent me a letter stating that the credit grantor has verified the information. This is nothing more than a FALSE Statement. They are not willing to follow the law in Section 609. I am not going to continue going through this with them. They are reporting inaccurate information against me and are unwilling to update the account and remove their negative reporting. They are breaking the law. I am demanding this be updated to show paid ontime as I Never missed any student loan payment at anytime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a fraudulent inquiry on my credit report on Equifax, which ended up being rejected. Then I submitted another complaint, in which Equifax said they looked into the matter and it was yet again rejected. This was about a fraudulent XXXX XXXX inquiry on XX/XX/XXXX on my credit report. XXXX XXXX  has confirmed that it was in fact fraudulent and they send me a letter confirming that they have reported the fraudulent activity to all 3 credit bureaus. Equifax did not remove the inquiry. I submitted a complaint on the CFPB. on XX/XX/XXXX, Equifax responded that a letter was sent to my address with their response. I have not received the decision to their " investigation '' and would like one as soon as possible. Both XXXX   and XXXX  have removed the fraudulent inquiry because XXXX XXXX has informed them. I called Equifax and everyone literally hangs up on me. I don't know what else to do but to go to a small claims court. These complaints are my documentation that I have done my due diligence and have given Equifax ample time to respond to my dispute. I have a letter from XXXX XXXX that was sent to me attached, indicating that they have investigated the fraudulent inquiry and have informed the credit reporting agencies of the matter.
Product: Credit card or prepaid card

On XX/XX/XXXX, Upstart used my credit card without my authorization. Under 15 USC 1602 ( l ), a credit card is " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' When I applied for a personal loan with upstart, I gave them my credit card information so they could use my preexisting credit and equity to finance an extension of credit, and I was denied. This is a clear unauthorized use of my credit card and an act of fraud. Under 15 USC 1602 ( p ), " unauthorized use '' is use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I received no benefit for the usage of my credit card information in Upstarts application for personal credit. Under the Emergency Banking Relief Act of 1933, the people in the Nation are the creditors to every dollar in circulation. Therefore, there is no excuse for a denial of credit as a XXXX  citizen and consumer. I am exercising my right to credit and asking for the denial to be reversed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I sent a wire wire transfer of {$20000.00} to XXXX XXXX XXXX at Chase Bank XXXX  XXXX, OK. Copy of Wire Transfer attached. The office of CFPB helped me recover {$19000.00} of the {$20000.00} that Chase Bank had refused to return to my Checking Account at XXXX XXXX. The CFPB case number is # XXXX. The {$19000.00} was credited to my Checking Account on XX/XX/2022. Document attached. I spoke to XXXX XXXX XXXX XXXX, Relationship Banker at Chase Bank and asked about the additional {$830.00} that is still unaccounted for. He advised me that Chase Bank was withholding this amount for tax purposes and that I would be receiving documentation for this amount or that Chase Bank might return the amount to XXXX. As of today, XXXX XXXX, I have not received any tax documentation nor have I received any explanation for not returning the {$830.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I MADE, THOSE ACCOUNTS ARE REPORTING INACCURATE INFORMATION ON MY REPORT AND I WOULD LIKE FOR THOSE DEROGATORIES TO BE REMOVE. PLEASE RE-INVESTIGATE THIS MATTER AND UPDATE MY CREDIT FILE WITH THE CORECT INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion verification process requires information related to others and identity theft. I was asked to verify the address and location of a rental property I owned but the preface to the question indicated it was my primary residential home at some point which it was not. Additionally, I was asked to verify that my nephew XXXX XXXX owned property in XXXX, XXXX. I believe he owns the property but I could I be certain. Both questions appear to be related to my identity theft claims involving fraudulent FHA loans and other fraud used misrepresenting my name and personal information.