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

I have been requesting information from XXXX XXXX be removed from my report. They removed 2 accounts from my credit due to not be able to verify them, but they recently added them back which is illegal. Once something is removed you can not add it back. They did this on my XXXX  report between XXXX and now. For account beginning XXXX, on my XXXX it shows the account was opened on XX/XX/XXXX and show date of last activity as XX/XX/XXXX and the original creditor as XXXX XXXX and on my Equifax, it shows XXXX opened as XX/XX/XXXX, date of last activity XX/XX/XXXX. This is definitely not my account and is blantantly obvious that it is inaccurate. How can an account be opened on XX/XX/XXXX with the date of last activity showing as XX/XX/XXXX. I submitted a previous dispute with XXXXXXXX XXXX due to the fact that this was not an account of mine and because XXXX  has not been accurately reporting my accounts and updating my report. On my XXXX  report this same account is showing date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. I ask that they verify and validate this account by providing an original contract with my handwritten signature. The next account with XXXX begins XXXX. On my XXXX report it shows date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. For XXXX  this same account shows date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. The same account shows on XXXX with a date opened on XX/XX/XXXX, date of last activity XX/XX/XXXX. You can not have a date of last activity that comes before the date the account was supposedly opened. This company has been purposely padding my reports with incorrect information. The more I dispute the inaccuracies, the more they pad my reports with fraudulent activity. The next account begins with XXXX with XXXX. On my XXXX it shows the account was opened on XX/XX/XXXX, date of last activity XX/XX/XXXX, on XXXX it shows date opened XXXX and date of last activity XX/XX/XXXX and for Equifax it XXXX date opened as XX/XX/XXXX, date of last activity as XX/XX/XXXX. This is not my account as I have stated in every single dispute. This should show that they are inaccurately adding information to my report. The next account begins with XXXX on my equifax report that shows date opened as XX/XX/XXXX and last activity as XX/XX/XXXX. Another account that is not mine. They did not even list the original creditor which proves they are adding information to my account that is fraudulent. None of these accounts have been verified and validated with the original contract with my handwritten signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife opened an account with SYNCB/ASHLEY XXXX, my name is not on the account, I am not affiliated in any way with this account. In XXXX of 2019 is when the first late payment appeared on my credit report, I didn't notice it typically because I don't check my report that often, about a month or so later I noticed it and call to the creditor Synchrony Bank and explained to them the situation and was told they could not give me any information on this account because I'm not on the account, I explained my dilemma and was told they would fix it but it didn't happen. This has went on for several months now and a lot of back and forth, I have made several phone calls to Synchrony Bank and attempts to resolved this. I have spoken to agents and supervisors, who seemed to be clueless in how to rectify this situation and why they continually and willing add negative information on my credit report knowing I am not on this account. A dispute was filed with the credit bureau and still no progress. There has been a negative impact in my personal and business dealing as my score fluctuates up and down the 700 's to the low 600 's.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX XXXX {$9700.00} XX/XX/XXXX XXXX  XXXX {$14000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$80000.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$38000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX XXXX XXXX {$4800.00} XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX  XXXX {$10000.00} XX/XX/XXXX XXXX  XXXX {$25000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$6200.00} XX/XX/XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX  XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$6200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX  XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX {$7300.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXXXXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX {$6800.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX Dealers, Used XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Used XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX 15 U.S.C , 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 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: Vehicle loan or lease

my car was repo for being 4 weeks being. I just had my car painted, new tires, new, bumper and more. The repo company drug my car out of my yard not only damaging my car but leaving marks and damage piece of my yard where it looks as if they hit the curve while removing my car. You can see in the pictures below the evidence and also the paint from my car.Now my car is also having an hard time switching gear.
Product: Credit reporting or other personal consumer reports

The following accounts are still showing on my credit, I have filed an FTC report and so far the bureaus have not deleted this erroneous information, the accounts are as follows : 1 ) XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX ) XXXX  XXXX {$0.00} XX/XX/XXXX XXXX ) XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX I am sending a copy of an FTC report which I already sent to the bureaus to no avail and a copy of my license and social.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX DE
Product: Credit reporting or other personal consumer reports

I recieve emails and letters from the XXXX bureaus saying I'm using 3rd party wihich is wrong. 
Account name : XXXX XXXX XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Please delete the following inquiries : Inquiry Name : XXXX XXXX : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Balance : {$19000.00} Account Number : XXXX Date Opened : XXXX XXXX, XXXX Account name : XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account balance : {$7800.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account balance : {$1800.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account balance : {$710.00} Date of account open : XX/XX/XXXX Inquiry Name : XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX  XX/XX/XXXX Inquiry Name : XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX & XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX {$19000.00} Account Number : XXXX Date Opened : XXXX XXXX, XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account balance : {$7800.00} Date of account open : XXXX. XXXX, XXXX Account name : XXXX Account number : XXXX  Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account balance : {$710.00} Date of account open : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Please remove the fraudulent and suspicious hard inquiries from my credit report, as outlined in the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a victim of identity theft! Please remove these inaccurate accounts immediately. I did not authorize these accounts. I'm unable to get a job in the career I worked hard for. This is starting effect my goals with purchasing a home and effecting what I'm able to do and provide for my family and as I have a baby on the way. This is defamation of character.
Product: Credit reporting or other personal consumer reports

Since XXXX of XXXX  attempted to fix negative items reported on my credit reports that Zion First National Bank had made. It was reported that i was 30 days late in XX/XX/XXXX, and 60 days late in XXXX of XXXX  on a credit card from this bank. These negative items were reported late after Bankruptcy was filed by the court in XX/XX/XXXX. Under Fair Credit Reporting Act, by law, negative items may not be reported after bankruptcy is filed in bankruptcy court. Once dispute was filed, Zion Bank then reported more negative information. XX/XX/XXXX, after filing a former complaint to this bureau, Zion Bank then finally adjusted my report info. I have now found that this bank then reported me 30 days late in XX/XX/XXXX, before the bankruptcy was filed. Their own records showed that my first late was XX/XX/XXXX, after bankruptcy was filed. I again did a dispute, and as of XX/XX/XXXX, Zion Bank then adjusted my report to show new negative information as a current charge off, and eliminated info that my account was included in my bankruptcy. Also confirmed to the reporting agencies false info of XX/XX/XXXXXXXX late payment which according to their records was from XXXX XXXXFor months whenever disputing with this company, explaining the law, more new negative info has been added time and time again, hurting my credit scores for a period of over a year. This seems to be in retaliation to any dispute. I am also now working with XXXX XXXX XXXX in XXXX XXXX to file a formal complaint to the courts, and possible law suit for damages. 

This information was included in previous complaint made on Zion Bank to this agency.
Product: Mortgage

I had a loan with XXXX XXXX XXXX and recently transferred to Bayview Loan Servicing. 
I had received an Agreement from XXXX XXXX XXXX to be approved for the Home Affordable Unemployment Program as of XXXX/XXXX/XXXX to begin XXXX/XXXX/XXXX. I have been unemployed since XXXX XXXX, XXXX. The loan transferred to Bayview Loan Servicing on XXXX/XXXX/XXXX, and now they are NOT wanting to honor the 6 months Forbearance ( Affordable Unemployment Program ). As far as I understand the Making Home Affordable guidelines, the new Servicer is to honor any agreement previous to the account/loan transfer. Please help me settle this issue. Thank you.
Product: Checking or savings account

On XXXX I went to the USA bank atm located at XXXX XXXX XXXX XXXX I attempted to deposit {$1200.00} to pay my rent which was due that very date the atm deliberately took all my money & spit out a receipt that didnt even have a balance I went into the establishment to get help considering I used the ATM right outside none of the tellers helped me they told me to call the number on the receipt although I asked to speak to a manager they refused to help me so I filed a dispute with the number unfortunately the money is needed to pay my bills I am a single mom struggling to make ends me I find it very inconsiderate that the bank can take my money & no one knows where it went or when Ill get it back I am currently accumulating late fees due to this ATM taking my rent money they will move forward with the eviction process if I dont get it paid Ive called the bank multiple times today to speak with a manger to credit my account I am unable to reach anyone this situation is affectingy livehood & is very inconsiderate I just want my money to pay my bills
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested my name and addresses to be fix over 4 times with the credit bureau XXXX and transunion. I have disputed by mail and Ive disputed by mail in writing I have one Name XXXX XXXX XXXX and one address XXXX XXXX XXXX XXXX Fl XXXX They have not removed all other names listed on my report And have not remove addresses I dont live at On XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX On Transuion XXXX XXXXXXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl These address my Son resides at not me. 
They have names that I dont use in my credit report as well. This is a problem!
Product: Credit reporting, credit repair services, or other personal consumer reports

Under usc 15 1681. Executive financial co account # XXXX and account # XXXX and account # XXXX has violated the HIPPA law. In accordance with the fair credit reporting act. The list of accounts above has violated my federally protected consumer rights under 15 USC 1681. Section 602 A. States I have the right to privacy. 15 USC 1681 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) section states : no consumer agency may make any consumer report containing any of the following items of information any other adverse item of information, other than convictions or crimes which antedates the report by more than seven years. 15 USC 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: Debt collection

XX/XX/XXXX I received an e-mail from from XXXX XXXX NY Store Manager XXXX XXXX to contact him immediately at ( XXXX ) XXXX-XXXX he ifnormed me there was a tall XXXX XXXX women in the store pretending to be me wanted to purchase on my XXXX charge, he also told me that found {$1600.00} charges made on my account in XXXX XXXX XXXX, XXXX XXXX onXX/XX/XXXXXXXX which was not charged by me. I live in XXXX XXXX, NY He told me to call XXXX XXXX tell them of the fraud. I immediatley called XXXX XXXX and reported the fraud and close my talbots account immediately. 
XX/XX/XXXX XXXX XXXX sent me letter stating Iam responsible for the charges Iam to pay the bill. Also enclsed was Statement of fraud and Forgery from the Account protection Team I completed the froms and also sent them letter by the Federal Trade Commision Fair Credit Billing Acts that Iam not responsible for fraudulent charges and copies of XXXX XXXX XXXX Police Report of XX/XX/XXXX asking them to investigate and stop threating me to report fraud/forged charges to the Credit Bureaus. XXXX XXXX sent me another letter telling me to pay the bill which was {$2700.00}. Comenity Bank refuses to stop billing me and accept the fraud/forgery. Most important info for you is " I have the XXXX card in my wallet it was never lost, perpetrator was allowed by XXXX to purchase all these clothes without a credit card ''. The next stupidity XXXX did is mail me a another credit card same A/C #, XXXX store and XXXX XXXX are just plain stupid and making me pay the price for their lack of care fraud/forgery charges.
Product: Debt collection

I have disputed the attempt to collect on a cellular bill that XXXX allegedly stated that owed from XXXX of XXXX. I move my cellular service toXXXX XXXX XXXX I ported my cellular number that I still and my watch as well. I disputed the collection on XXXX XXXX in XXXX and it was deleted then XXXX XXXX sold it to other entity, and they went to XXXX in XXXX XXXX and now pop up on my file today, XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/XXXX, my Wells Fargo account received three transactions in the form of {$1000.00}, {$1000.00}, and {$4700.00} for a collective total of {$6700.00}. These transactions originated from casino winnings and eventual withdrawals occurring and placed on XX/XX/XXXX from the XXXX XXXX at XXXX XXXX XXXX XXXX through the XXXX XXXX XXXX. After which ( XX/XX/XXXX ), I immediately utilized the tools required by the XXXX XXXXXXXX XXXX XXXX to have XXXX XXXX immediately restrict any further gambling under my identity for a minimum of 72 hours. 

From XX/XX/XXXX through XX/XX/XXXX, a total of 47 fraudulent transactions posted to my Wells Fargo account for a collective total of XXXX by XXXX XXXX through the XXXX app. This also occurred while I was supposed to be frozen from further gambling ; however, thats an issue that will need to be addressed by the XXXX  XXXX XXXX XXXX. I believe I was the one who opened the account sometime last year, but only used it once for the deposit bonus before forgetting about it. However, I have since discovered accounts-I-did-not-create were fraudulently opened up using myinformation on XXXX and XXXX. I suspect the perpetrator is my XXXX XXXX XXXX, whom stole and copied all of his important financial paperwork. As I was the beneficiary to my brothers policies, the aforementioned files wouldve contained my personal information. 

I first took notice on XXXX and immediately contacted Wells Fargo and began disputing charges. I believe my card was frozen at this time, but I am not certain. I was informed that Wells Fargo would have a representative reach out to me for additional details ; however this never occurred. I continued to monitor the status of my claims and waited for Wells Fargo to contact me as I did not want to rush their investigation. Each day, they would close a handful of the disputes, but I would never received any additional information. I assumed that I would not know the outcome of the investigation until all claims were processed. 

I was never contacted about the issue nor given any form of update. When the final claim closed on XX/XX/XXXX, I began trying to initiate contact to inquiry Wells Fargo over the matter. Most representatives were unwilling to discuss the matter, let alone assist me. I was hung up on multiple times ; transferred into limbo, and made to jump through every hoop imaginable before finally receiving assistance on the sixth call. The rep collected my information; submitted my appeal; and informed me that someone should reach out to me within 1-2 business days. 

Its now XXXX, and I have not received any further communication nor have seen any steps taken regarding the issue. Since it was XXXX XXXX weekend, I gave them additional time to investigate and follow up. As of this writing, Im currently on-hold with Wells Fargo , but due my past experiences I dont have much hope.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against on XX/XX/20. From XXXX reply, I learned that my credit report was checked for a credit line increase that I didn't authorize. I have a freeze and fraud alert on all three credit files. This complaint also consist of Experian, XXXX, and XXXX  releasing my credit reports without consent. 

The following are issues that XXXX needs to answer that were unanswered in the first complaint and prompt additional complaints. 
-- -- - ( 1 ). Why was an unknown email placed on my account without verification? My email address has always been XXXX. 
-- -- - ( 2 ). Why was my account reported to all three credit bureau agencies as delinquent? There were no delinquencies. Through automatic payment from an account that I no longer used, three payments were returned. I replaced the drafted payments, and I was  charged return check fees, not late fees. The credit bureaus do not report return checks on accounts. It reports late payments. The account was paid in a timely manner. By law, I am supposed to be given time to pay for any return check payments. 
-- This unfair credit reporting violates the Fair Credit Reporting Act and debt collection. I will file a complaint with my State 's Attorney General Office for an investigation, and I will file a federal lawsuit if necessary to resolve this matter. As a result of XXXX inaccurate reporting my account as late, my credit score was lowered to XXXX. 
-- -- - ( 3 ). Why was my credit line decreased based on other creditors? I've never paid any of my creditors late.

-- My credit score has been negatively effected in terms of a low score of XXXX because XXXX lowered the credit line, which indicates to creditors that I used nearly 100 % of the credit lin, which is inaccurate. This is abusive credit card practice. 
-- -- - ( 4 ). In a tape recorded conversation, the representative indicated that XXXX would removed the return check fees due to my hospitalization. 
-- -- - ( 5 ). If XXXX attempted to contact me about the return payments, I would've been unable to answer the calls at my home resident. Beside my home phone number, my account provided a cell phone number. I never received any voicemail messages on my cell phone from XXXX notifying me of return payments, nor did I receive any letters. 
-- -- - ( 6 ). XXXX claimed that emails were sent to me at XXXX. This fraudulent email never belonged to me, and the name alone should've alerted XXXX of an account breach. Most importantly, I was never notified to verify a change in my email address. 
-- -- - ( 7 ). There has been security breaches with XXXX and XXXX. I question how XXXX accessed my credit report files with a freeze and a permanent fraud alert. I have not removed the freeze in over a year. 
-- If XXXX doesn't resolve my issues of concern, and my credit files doesn't report accurate information. I will be hiring an attorney to take legal measures for a resolution.