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

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to Equifax for months now and I have repeated myself over and over again. I am extremely concerned about the actions Equifax is having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX XXXX .Step up CFPB and remove it from my credit report
Product: Vehicle loan or lease

USAUTOSales closed without warning and switched to others restarted loans over price higher than what the car worth they are been penalized and I want to be included in this lawsuit
Product: Bank account or service

I had fraud on my account XX/XX/XXXX and my husband said he was taking care of it and it the meantime XXXX or XXXX accounts were open in my name that I was unaware of and XXXX stayed open from XX/XX/XXXX until XX/XX/XXXX. My husband tried to deposit XXXX checks in which one was deposited at around XXXX in the afternoon and we were at the bank before they opened to make the deposit but it was already sent and returned overnight. The other was for a job he did and when he deposited it in his account they said it would be available the next day so he deposited a check in my account and it came back so now the branch manager at the us bank XXXX location is closing my account based on this XXXX account even though I have been with them for around 16 years and always in good standing. When I went to the bank I found out that a credit card was charged off in my name that I had no idea of. I tried to explain it to the branch manager XXXX XXXX and he said he wanted proof even though the us bank fraud dept is mailing us a packet and he spoke to the banker who spoke to them. he also said he wanted proof that we filed a dispute with the credit bureaus which they did not send and they said you wont get a response for 30 days. It is my opinion that this guy did n't want to do his job and look at my history because he admitted he was just basing this off this account and he had the right to keep it open according to the operations division that suggested me at a high risk even though I have excellent history with them. When the first check came back they put a hold on the account on XX/XX/XXXX and did not notify anybody and the accounts that were opened were done through direct bank but yet nobody found it odd that someone would open XXXX accounts within a months time and no activity. I explained to him that I just wanted my account open and if it happened again then fine close it but he was not customer friendly at all even though I sat on hold to operations office for a while listening to how us bank is customer friendly.
Product: Checking or savings account

My financial institution NFCU has denied my dispute for a fraudulent scam transaction more than three times. Initially I was granted a temporary refund for the dispute but that was taken back within a month. I have shown proof that the fraudulent merchant XXXX XXXX XXXX XXXX did not provide the service that was agreed in the contract. I also provided proof that the merchant agreed to refund me in full, but however that never happened and they kept giving me excuses why I had not received my funds. Hence the reason I started the dispute with NFCU to help me get my funds that are owed to me. I thought being a client, a LONGTERM client of NFCU this would be handle in a better and quicker manner. When I contacted NFCU yesterday about the dispute the customer service rep was helpful, however the dispute dept. that she was " chatting '' with for help was VERY nonchalant. The credit is only for {$250.00} which to some may not be alot but to a single mother of XXXX it puts a dent in my finances.Overall I am very upset at the way NFCU is handling my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a consumer who sent my FTC report to Experian, XXXX, and XXXX on XX/XX/XXXX and I still haven't received a verification letter for my dispute from either CRAs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But is that possible if the open date, date of last activity and much more is incorrect. According as stated in 15 U.S.C 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 : States a consumer reporting agency can not furnish a 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, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

I have contacted Equifax XXXX and XXXX XXXX to reset my credit to XXXX because they allowed someone to use my information and they ran my credit in the dirt and the Credit bureau and government promised to fix it and reset it but doing nothing my life is very difficult cant file taxes cant apply for employment nothing or get anything because my credit is poor because of the credit bureaus XXXX and im very upset and is in a XXXX XXXX me and my family this is not right my credit is going no where
Product: Debt collection

Experian I contacted this alleged company early this years and this alleged account was found not mine you Experian removed this alleged account I see again it is being reported again I never got a five day resertion letter from you { by law } this is not my account again please remove account from my credit report thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Transunion written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing Transunion these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If Transunion wants to continue to do business with me, they should delete these inaccuracies off my consumer report immediately. 

" see attachment "
Product: Credit reporting, credit repair services, 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 : MN CHILD SUP Account number : XXXX has violated my rights. Or list of inquiries 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by 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 card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX Credit Report. 
My Address : XXXX XXXX XXXX XXXX, XXXX, South Carolina, XXXX. 
Please a have XXXX remove all other address 's on my credit report. 

Secondly, my Employment needs to be updated as well to : XXXX XXXX  XXXX, as of XX/XX/year>2024. 
Please delete all of other employment information. 

I provided a copy of my paystub from where I work at my current address and work company and it shows my correct name I would like to use my name as XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX AUTO, account number XXXX, for violating my rights under the Fair Credit Reporting Act ( FCRA ). This account contains inaccurate information. It is not a true reflection of my credit history and continues to appear on my consumer report, despite my multiple attempts to have it removed. 

Under 15 U.S.C. 1681 Section 602 A, I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX has violated these rights by failing to remove the inaccurate information from my report. 

I request that you investigate this matter and ensure that XXXX XXXX corrects the inaccurate information and removes the account from my credit report. 

Thank you for your time and attention to this matter
Product: Debt collection

I received a letter from a third party mediator informing me that I was about to receive a court summons for a civil suit against me for defaulting on a credit card from XXXX XXXX. I called the bank. They told me they no longer handle this debt and gave me the contact information for a collection agency, Rausch Sturm, located in XXXX, Wisconsin. I called this agency and spoke to an agent. I am XXXX and my sole source of income is Social Security Disability. I told them that it is against Federal Law for a private debtor to garnish or levy a persons Social Security Income. It is against the law to garnish or levy a persons bank account to which Social Security is directly deposited. Even in the case of a court judgment. I offered a small monthly payment arrangement, but they wanted a higher payment that I can not afford. I have a financial hardship, and need money for basic necessities and my prescription medications. They said they did not care, and unless I paid them {$46.00} per month for four years, they would continue court proceedings. They said their goal was to obtain a judgment in court to garnish my Social Security income. I believe this threat is a violation of Fair Credit Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint is to the original complaint received by you on XXXX under your reference CFPB Number XXXX. NOW The XXXX ( Credit Reporting Agency under their reference number XXXX dated XX/XX/2022 ) falsely indicate that I owe {$370.00} to XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, AL XXXX. Pursuant to the record/evidence forwarded to you, this amount is paid to the dealer. ( see details attached to the Exhibit # XXXX in your possessions ) .These copies was forwarded to them, without any avail. Also, the reporting agency indicate that monthly payment was {$370.00} IT IS FALSE AND UNTRUE. The monthly lease payment was {$210.00} ( see details of CLOSED END MOTOR VEHICLE LEASE AGREEMENT paragraph # XXXX, copy in your possessions Exhibit # XXXX ). Request of corrections of their report in last XXXX months produce no results. This matter came to my attention only in XX/XX/2022. There is no response from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report tonight, with no explanation of how they appeared. Ive always reviewed my credit report regularly, but this time, these errors just appeared out of thin air. I even refreshed my browser in hopes of clearing a glitch, but the inaccuracies persisted. As a result, Im asking that the documents Ive submitted be examined thoroughly to put my mind at ease.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing my name as XXXX XXXX date of birth XX/XX/XXXX This is incorrect my name is XXXX XXXX XXXX date of birth XX/XX/XXXX Because of this there are false collections being reported to my credit report damaging my credit score making me unable to get a job or a house please remove this information from my credit report.
Product: Checking or savings account

I scheduled a payment with my XXXX credit card to be withdrawn on XX/XX/2018 in the amount of XXXX.. 
XXXX went along and withdrew the money on the XX/XX/XXXX with no problems yet my bank did not remove it from my account till the XX/XX/XXXX. Now because it was days later I did not take into account that that was still an outstanding debt that needed to be taken care of and went overdrawn. 
It just seems like a malicious practice on fully intending in making the account go overdrawn
Product: Checking or savings account

XXXX XXXX, went to purchase material from XXXX XXXX and presented my Chase Debit Card XXXX and payment was rejected. To this day no one has explained any reason for this. In my account on that day was an existing balance of {$8000.00} and a customer paid me for my general contracting services from their Chase account via a wire. This is a very long time customer who has paid me many times via wire for my bills from the same CHASE account into my CHASE account. When I have gone to the bank, they refuse to explain anything, give me a corporate number to call and they explain nothing at first and on XX/XX/XXXX when I returned to see about my money, I was told they were closing my account and mailing me a check with a letter explaining why this had happened. Today, I went back to tell them no check received in eleven days and spoke to a manager. I was told after they made a call, no check was sent so I am sitting with no funds still. Chase knows the customer I received the funds from for a long time, I have received payment multiple times to this Chase account from the same account so what is the problem. Why will no one explain what is going on? Why do I have no access to any funds if this wire is the source of their concern? I have employees to pay and am going to lose them due to this bank freezing all my money. Can you help me asap please. I am wondering if they are doing this due to the fact I am XXXX.
Product: Mortgage

I have own my house for 9 years. I never missed 1 payment. I originally was paying my mortgage with XXXX, then it got transfer to Carrington Mortgage. I have always had automatic payments. I change the payments every 2 weeks in their portal to save money in interest. the payments were taking out. then they contact me a month later that my payment was past due. I told them that I was not because I set it up every two weeks. 
even thought they took the payments they did not apply them as a regular payment. 
They told me that they don't allow to split the payments every 2 weeks instead of 1 once a month. we had that taking care of I asked the lady who I spoke with on the phone to make sure don't report as a late payment. That was something I didn't know I could not make the payments every 2 weeks. I have submitted several bureau disputes, I have fax them a letter and they still will not remove that late payment. I have proof from their own transaction history as well as the month statement that I was not late. 

they are also charging me a curtailment fee of {$200.00} per month. I don't know what is that for.
Product: Credit reporting or other personal consumer reports

This reporting agency is operating unlawfully by reporting this public information on my credit report and it was never validated by the courts or myself. The courts do not send information to any reporting organizations this is false I have never filed a bankruptcy ever this needs to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX i sent the XXXX of transunion of XXXX XXXX fact. demanding XXXX provide verification under penalty of perjury. that by law XXXX has the right report my XXXX information ; i give nor gave any XXXX nor verbally permission to report on my behalf. the reporting is damaging me, mentally and physically. if the matter is not correct within XXXX calendar days. i will process with the matter in a XXXX  court in front a jury not a XXXX XXXX. am stating on the record and let the record reflected am the consumer, living breathing man, XXXX, beneficiary and XXXX of name and estate. i have reason to believe and do so great faith.
Product: Credit reporting or other personal consumer reports

Experian and XXXX violated U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Ive sent numerous certified letters over the last 18 months! Nothing has been done! I've sent in everything that was asked of me!
Product: Debt collection

I am an XXXX service member who recently applied for a home loan. When I received my credit report from my loan officer, I noticed there was a collection account listed from a company called XXXX, XXXX. Reporting date was XX/XX/XXXX saying the original creditor was a company called XXXX with an account open date of XXXX have never done any business with a company called XXXX or XXXX, XXXX so this debt needs to be verified ASAP. I sent XXXX letters, via certified mail to the address listed for NV. XXXX letter was return to sender, and the other, I was never contacted back. XXXX days go by, I still have no information on this debt, however I realized that on my credit report the account number XXXX was the same listed for a XXXX XXXX XXXX account that was listed as charged off w/ a balance of XXXX.Rooms to go acct XXXX is an account of mine, HOWEVER this account IS being paid on and should NOT be listed as charged off. I have been paying on this account through a 3rd party agency called XXXX XXXX. I contacted XXXX XXXX XXXX to get more information, they were not able to provide me with any information or any type of documentation of my debt/account, its status and what they 've done with my account/ and or payments. I was never contacted about a charge off/ and or a hand-off to another company. I made contact with XXXX, XXXX who was very stern with me when I was just trying to get information and to come up with a solution. The clerk on the phone would not provide me with any information about the hand off from XXXX XXXX XXXX to shoppers to now XXXX. I told him that the information being reported was incorrect and that I am currently paying on the account through care XXXX, and have documentation to prove such. He said that even with that documentation it would n't suffice in updating my balance, saying that they have had the account for some time now and it shows no activity. I got off the phone with this clerk because he was rude and overwhelming. I submitted this same statement throught XXXX and received a response of " Please be advised that XXXX ( " XXXX '' ) is the owner of the subject XXXX/TD Bank NA XXXX XXXX XXXX Big Store credit card ( account number ending in XXXX ). Since acquiring the account in XX/XX/XXXX, XXXX has received seven ( 7 ) {$68.00} payments for a total of {$470.00}, with the last payment being made on or about XX/XX/XXXX. Since that time, no payments have been received by XXXX. XXXX respects our military members and, as a courtesy to the consumer, will agree to permanently close the account and cease all collection efforts. " However I am not satisfied with this response because {$1500.00} is still un accounted for. what they are reporting is not accurate and I have proof of XXXX cleared payments of XXXX