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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

Upon receiving my credit report, I noticed many inaccurate reports that had primarily been reported by Experian. I am seeking all ways to have this report corrected. This is just another tool in this attempt.
Product: Debt collection

Hello, I have been a victim of identity theft for 4 years now and someone keeps opening accounts in my name. I have never opened a account with this company and the person is using my identity. I have filed several police reports and have submitted them to Reporting credit bureaus. Please remove this account from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX 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 with my written instructions
Product: Student loan

I co-signed for my son 's private student loan i n  XX/XX/XXXX . At the time I was told that after my son graduate 's from college which he did in  XX/XX/XXXX .  And after a few years of repaying the private student loan as long as it was never late and that it was on a monthly automatic deducted from his personal account I would be able to sign off as a co-signer. This has not happened and I am getting no where 's when I inquire about this matter.
Product: Credit reporting or other personal consumer reports

This is in regard following account ; Alleged Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

Attachments : Driver License, Social Security card, FTC Reports, Police Report.
Product: Checking or savings account

Single woman owned small business of 26 years and XXXX yr old customer of WF small business customer.

One of our business debit cards was compromised. WF caught the fraud on their end and canceled the wrong debit card!!!!! 
We are dead in the water without access to Our Money to GET OUR STOCK!!! 
We asked it be reversed being it's our busiest season 4th qtr. because it's a tremendous amount of stock scheduled for delivery Wells Fargo has put my business in jeopardy! 
They said it will take 10 days to get a response! 
I've spent 5 hours { not paid } so far on the phone with Wells Fargo and still no resolution. 
Spoke with 10 people so far... only 2 tried to help... .the higher up I got { XXXX @ Exec level was awful } I am pleading for you help... .Wells Fargo doesn't care about my business. I am at a loss. I need help ASAP.

This is soooooo wrong if not a lawsuit.

Help! 
All calls are recorded.
Product: Mortgage

NEW SERVICER : Selene Finance LP This mortgage servicer is predatory, unprofessional and very difficult to reach by phone or email. They recently started to service my loan ( XXXXXXXX XXXX XXXX XXXX sold from XXXXXXXX XXXX XXXXXXXX. 

I am trying to get Selene Finance LP to pay my real estate taxes which are due on XX/XX/year> and there will be a 10 % penalty if paid late. 
This company is the worst! I have never been late on paying my property taxes or homeowners insurance before. 

Please investigate Selene Finance LP and make sure justice is served. Consumers deserve better than to have a shady mortgage servicer servicng their home loan!
Product: Credit reporting

I am a subscriber to TransUnion Credit Monitoring. An important part of my subscription is the Credit Lock / Unlock function. The Credit Lock / Unlock function works like a Security Freeze, but it is NOT a Security Freeze. I do NOT have a TransUnion Security Freeze in place and have n't had for many years. 

My TU credit file is locked. I used the Credit Lock / Unlock function to lock it a while back. Yesterday when I applied for credit, the creditor told me it was locked. When I pulled my own credit report copy via TransUnion Credit Monitoring, my credit report specifically states it is locked. 

However, when I try to unlock my credit report, the Credit Lock / Unlock function in my TU Credit Monitoring states it is already unlocked. This is false. So, I proceed to lock my credit report since I am told it is unlocked, but the operation fails. It has failed now for over a week. 

I called TransUnion Credit Monitoring several times. They stayed they have technical issues and will solve them within two days. They lied. It has been well over a week and the issues persist. 

Today I phoned again. The representative was in an overseas call center in XXXX. The representative was an XXXX and argumentative. Her employee number is # XXXX. She told me I have a Security Freeze on my file and need to go through the process to lift a Security freeze. That 's why, she claims, I can not manage my credit report lock status using the TU Credit Monitoring. The fact is I do NOT have a freeze. My credit file is LOCKED, but I can not unlock it nor can I lock it since it erroneously shows it is unlocked. I asked the representative to speak to a supervisor, but she refused.
Product: Debt collection

My son went to the XXXX XXXX at XXXX XXXX and incurred charges with a copay of 15 % of the reimbursement. As is the practoce for some reason in XXXX XXXX XXXX XXXX California hospitals and medical providers attempt to collect more than the coinsurance amount. In this case, the charges were {$10000.00} but the allowed in network charges produced an overall copay of less than {$700.00} divided between the hospital and the XXXX. Both of these were paid. Since then the XXXX  has been trying to collect an additional {$30.00} and the hospital an additional {$250.00} on top of what my insurance paid and the {$700.00} I already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ), Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX XXXXN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted to my sudden drop in my credit score for a delinquent account for XXXX XXXX As you can see I have been always making my payments on time. This was for a medical bill from a hospital that I was working with. I had made payment plans and I am currently on XXXX. I have never received any letters or billing or warnings from this creditor to pay {$60.00}. They have falsely placed this delinquency on my report that I need to dispute and would like it removed as soon as possible. I have worked hard at fixing my credit to be in the XXXX. Please help me fix this error. I looked up the web site and I found that multiple errors and victims of fraud have been dealing with this company as well and needed lawyers. I can not afford a lawyer or to apply for bankruptcy at this time. This is appalling that this company takes advantage of more people and gets away with it! XXXX STATUS DETAILS : Submitted on XX/XX/2023 File number XXXX Estimated completion date XX/XX/2023 ITEM IN DISPUTE  : H & R ACCOUNTS DISPUTE REASON : Ownership I have no knowledge of this collection account. 
CONTACT INFORMATION H & R ACCOUNTS XXXX XXXX XXXX XXXX. IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have multiple inquiries on my credit report that Ive never inquired. Ive been misrepresented by a dealership. The dealership pulled my credit numerous amount of times on different dates. I am dealing through identy theft and this issue made it worst. I am in process of XXXX XXXX  by given in proper information regarding my income on applications, pulling my credit multiple times on different dates and finically hardship on loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. By notifying you my credit reporting should be repaired as soon as the fraudulent items are dealt with. Please remove the following : XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$690.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Debt collection

Upon reviewing my latest credit report, I found multiple fraudulent accounts that I believe were added without my consent.
Product: Credit reporting or other personal consumer reports

I discovered some instances of old accounts for which are unlawfully displayed on 1 credit file. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. The following account ( s ) with US DEPARTMENT OF EDUCATION, account number ( s ) XXXX, XXXX, XXXX should be DELETED from EXPERIAN. I request a thorough investigation into these discrepancies and urge you to provide evidence of why the information on any and all consumer profiles are not the same or accurate. If unable to furnish such proof, I demand that these accounts be promptly DELETED to reflect their true status.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third complaint against Experian, In regards to my first complaint ( case ID XXXX ), I mailed an affidavit dated XX/XX/XXXX ( see attachments ) disputing errors found on my consumer report. Experian failed to delete the incorrect names and addresses from my consumer report. Additionally, there is a fraudulent account and inquiry on my consumer report that I did not give consent to be furnished. Pursuant to 15 U.S.C 6802 ( B ) ( 1 ) ( A ) and 15 U.S.C 6801b ( a ) ( 2 ). I have filed an FTC Report for the following account and inquiry below. 

FRAUDULENT ACCOUNT : XXXX XXXX XXXX FRAUDANT INQUIRY : XXXX/XXXX  XX/XX/XXXX Experian has blatantly violated my right as a consumer and they are civilly liable pursuant to 15 U.S.C 1681n. I am demanding the incorrect spelling of my name be deleted and updated to match my Photo Id ( see attachments ), all the incorrect addresses removed, and for the fraudulent account and inquiry to be removed from my consumer report and an updated copy of my report mailed to me. 

Attachments : FTC Report Photo ID Certified mail receipt Utility Bill
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 20th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following account : XXXX TransUnion Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX TransUnion or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax Dispute Report Number XXXX XXXXXXXX Equifax Agent identification : XXXX XXXX XXXX ( XXXX ) I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to Equifax, XXXX and XXXX by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 15 U.S code section 1681i-Procedure in case of disputed Accuracy. You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. The FRCA prohibits information furnishers from providing information to CRA that they know or have reasonable cause to believe is inaccurate. Section ( a ) ( 1 ) ( a ) anXXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax is reporting duplicate account entries. XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX. Responsibilities of furnishers of information to consumer reporting agencies
Product: Debt collection

Found a medical bill collections on my credit report, Sent to collections by XXXX XXXX it was not for me and nor was I responsible for any bill outstanding with them. They placed a bill in my name and sent the bills to an address I had 8 years ago, even though I was a current patient who had an account with current info on it. It was not my bill, it was someone else 's services and I never received a bill, nor statement it was in collections. I have been trying for over 3 months to get it off my credit report and getting the run around from XXXX, State Collections Agency and Equifax. I had wanted to refinance my home, and this is causing months and months of delay and a financial nightmare. Not XXXX of them claim responsibility, but all state it should not be on there ... .They guaranteed me it would be resolved in XX/XX/2016 it has not. XXXX acknowledged the bill was not mine but refuse to provide me with a letter stating that they billed me in error, sent it to a wrong address and admit they made a mistake. The collections agency states they sent notice to the credit bureaus for removal, but it is not removed. XXXX states it is the collections fault, the collections agency states it is Equifax 's fault ... but no one corrected it.
Product: Debt collection

XXXX XXXX account on my credit report that I have no idea about
Product: Debt collection

on XX/XX/XXXX, my salary was garnished for XXXX for defaulting on student loans. I called immediately and made arrangements to rehabilitate loan. Moreover, on XX/XX/XXXX, I was told I would in 7-10 business days I would receive a refund. As of XX/XX/XXXX, I have not received anything. I was also told I would be receiving documentation explaining my rights with 7-10 days, have not received. Moreover, there was an issues processing payment and I could not reach any anyone at collection agency by phone. My payroll XXXX even tried to reach out and couldn't get thru. I need to have payment set up so I don't receive another garnishment. How can I make payment if they wont accept my call. Can someone please help. I will lose my job and apartment if I am garnished next week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau and explained that I was concerned that information being reported by their agency was inaccurate and/or outdated. After what has now been more than 30 days, I reviewed my credit reports and I see no changes. 

15 USC 1681e Section 607 b states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681 Section 602 A states that I have the right to privacy.

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

These are clear violations of my federally protected consumer rights.
Product: Checking or savings account

I received a debit card in the mail. I called Chase and they flagged the account as fraud and closed it. I don't even have an account with Chase.
Product: Credit card or prepaid card

Today ( XX/XX/2022 ) I tried to make a purchase with my Citi AAdvantage XXXX XXXX credit card. It was declined right away. 
After checking my remaining available credit I figured that it is too low for that purchase. 
However, the payment for the XX/XX/2022 statement was processed on XX/XX/XXXX which should have given me more than enough remaining available credit. 
I called Citi and tried to solve the problem so that they apply the XX/XX/XXXX payment to my credit card account. After almost 1 hour and thereof 30 minutes waiting for a supervisor I hung up. 
Then I called the company I made the purchase with to split the payment among 2 credit cards. Also that payment didn't go through because now it got flagged as 'fraud '. I called Citi again and had to go through a ridiculous verification process : they didn't accept both of my XXXX mobile phone lines ( no reasons given ) - one of them a company mobile phone, I answered all of their security questions correctly, but it still was not enough to verify it's me. Then they wanted another credit card, from another credit card company, to verify. I gave them my XXXX credit card and they called XXXX to verify me. After another 10 minutes they came back to go through every single purchase I made over the last 2 weeks. 
I think they unjustly deny access to my money which is not acceptable.
Product: Credit card

MIDLAND CREDIT MANG. INC / ACCT. XXXX XXXXXXXX AMOUNT {$1700.00} Account Information Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX MIDLAND CREDIT MANG. INC / ACCT. XXXX XXXX. AMOUNT {$4900.00} Account Information Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX The company has proceeded to collections along court filings. 

I plan to submit a dispute letter to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes to Transunion, most recently filed on XX/XX/2021 regarding 2 delinquent accounts on my credit report from Dept. Of Education to have these accounts removed from my report at the request of the Dept. Of Education. Transunion REFUSES to remove them even though the reporting agency has requested they be removed several times in writing! This is a direct violation of the Fair Credit Reporting Act and this agency is negligent and seems to be vengeful in its actions. I would like this agency investigated and this matter resolved Immediately! All other credit agencies have removed these accounts already as the request of the lender, the only one that refuses to remove them is TRANSUNION.
Product: Credit reporting or other personal consumer reports

I notice on my credit report that an inquiry from dept of education. I would like this deleted from my consumer credit fico report.
Product: Mortgage

Quicken Loans contacted via phone and left a voicemail stating that it was an emergency and I call them back. When I called them, they stated that the call was in regards to starting a refinance. When I pressed them as to why they thought a refinance constituted an emergency, the customer service rep said, " I don't think it is. '' I informed them not to contact me again and reiterated that they should not use the " emergency '' to sell services.
Product: Credit reporting or other personal consumer reports

TD Bank NA.. Close this account on XXXX I have paid this account off. The problem is that this account has surpassed the seven year reporting. But still shows up on all three credit bureau experience, XXXX and XXXX XXXX. why is this account still reporting after seven years? Why hasnt it fell off yet?..