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

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my report The Credit bureaus stated my account was properly investigated but how is that possible if the open dates are inaccurate the date last active is inaccurate, last date reported is Inaccurate, this is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U. S. C 1681 Section 602 A. Section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions Also, Credit bureaus took more than 30 days to complete my investigation Here is my CERTIFIED MAIL Tracking # XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 I received a notification indicating a hard inquiry from XXXX ferderal rcredit union. The next day Innovative loan Services did another inquiry. I have not authorized neither of those to do run my credit
Product: Vehicle loan or lease

First I would like to say how much I dislike first national bank. I just had XXXX  XXXX a week ago and I am recovering in the hospital. They give me a call today about my car loan so I called them back. I know I missed a payment due to the fact I am not working because of my XXXX. My payment is {$850.00} a month and I pay {$860.00} a month. I have paid a total of XXXX to first national bank. The girl was but basically threatened me about not paying a late fee. She had no care about me having XXXX. She different offer a payment option, didnt offer to wave the fees nothing! Basically just hassled me! I could not believe it. Like just let me skip this payment, IM NOT WORKING DUE TO XXXX! I need to switch loan companies. This bank I would never ever bank with. I have the title to my bronco, like let me tell you how much I want to pay because you XXXX people sent me the title lol. I am demanding a skip payment. I will pay the stupid late fee of {$90.00} but let me skip a car payment. They say they cant but you know a manger can do it.
Product: Debt collection

This information reporting on my credit profile is inaccurate and I would like you to validate that it belongs to me. Per the accounts below : TRANSUNION : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX {$2000.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$4800.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$200.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$50.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX Original creditor : XXXX XXXX XXXX {$2400.00} Account number XXXX Collection opened XX/XX/2018 2018
Product: Credit card or prepaid card

XXXX XXXX  XXXX  opened XX/XX/22. I called the associated financial institution on XX/XX/22 about it, advising it as fraud. They closed the account. 
When I called XXXX to report the card ( which is showing on my credit report ), the XXXX Fraud Customer Service Agent said I needed to file a fraud dispute with the FTC. But the FTC website directed me here.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX sent me a statement for my last payment coming up. The payment was high because I did a 3 month deferment during COVID. The payment was due by XXXX XXXX I know I could not make the big payment all at once so I spread it out through the month. I made the final payment onXXXX  XXXX XXXX. I check my account on the XX/XX/XXXX 0 dollars Balance. Check my credit report and I notice I have a 30 days late payment from XXXX XXXX. Call XXXX XXXX they tell me because I spread the payments out it cause me to have interest of XXXX cents. This drop my score down XXXX points. I disputed with XXXX and they only gave me XXXX points back. Which this made my score in the mid XXXX. This is not good. This has happened before and I never received my points back after I dispute and they find its not my fault. Please help get my points back. Im in the process trying too buy a car. With a XXXX credit score my interest rate will be high.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. DEPT OF EDXXXX XXXX Balance : {$1300.00} ; DEPT OF EDXXXX XXXX Balance : {$1700.00} ; DEPT OF EDXXXX XXXX Balance : {$520.00} ; DEPT OF EDXXXX XXXX Balance : {$3900.00} ; DEPT OF EDXXXX XXXX Balance : {$2900.00} XXXX DEPT OF EDXXXX XXXX Balance : {$2100.00} ; DEPT OF EDXXXX XXXX Balance : {$93000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I filed a dispute with all 3 Credit Bureaus about a Fraudalent Account on my credit report with Capital One bank with a {$610.00} Negative Balance. Two of the Credit Reporting Agencies removed the account and one did not. However all 3 of them removed a Positive and good Credit account that my wife and I have with Capital One with a {$2500.00} balance, a card opened in XXXX XXXX. This has drastically affected my score and it 's hindering me from refinancing a 4.5 acre 4500 sq ft building that I own and trying to refinance. They all refuse to put the account back on my credit report and all told me to contact Capital One. I did contact Captal one and they said all 3 of the bureaus should stand up to their mistake and put the account back on my credit. The account number is : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX  XXXX Balance Owed : {$4300.00} ; XXXX XXXX  XXXX XXXX Owed : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$900.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Checking or savings account

Locked out of cash app and now I cant access and they wont merge the two profiles after I provide the correct information. I have thousands of dollars in this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent letters to the three major credit bureau from XX/XX/2020 till XX/XX/2020 letting them know the information on my account was incorrect or not mine and i haven't received any response or validation of these accounts
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I call experian about fraud activity on my credit they remove the accounts and place a fraud alert on my credit report for XXXX XXXX XXXX XXXX XXXX XXXX credit they had delete this accounts from my credit report but I check my reports recently and the accounts are the I ask them this not me and that they had removed the accounts so why are they still reporting
Product: Checking or savings account

On XX/XX/XXXX I was suppose to receive the first direct deposit from my new job. I received an email from chime that I had three days to provide documentation to update my last name, because I was not aware they had not done this previously. I got married. I replied to this email with the documentation they requested. I waited until Monday and saw they still did not update my name and that they had returned the funds to my employer. My employer told me they will not send a special direct deposit because it will cost them money. I then sent the information again. I started calling every day and they kept telling me that the only way I could send the documentation to them was through a link that had to be sent through email only and I still to this day have not received this email. I have numerous other emails. After days and days of calling multiple times, I was able to get an agent named XXXX that read me the address to the link letter by letter and I sent the documentation that was requested. I waited until the next day, heard nothing, but name was still not updated. The agent on the line tells me they had sent me another email requesting more information. Again, an email that I have not received. They told me I have to confirm the name and address that I would like on my account. The license, social security card and marriage certificate was not enough. I was told to send this to XXXX. I sent this information. In the email I put my house number wrong. The next day the name was still not updated, so I called yet again. The agent informed they sent me an email ( that I did not get ) asking to verify my address. On Wednesday XX/XX/2024 I spoke with a supervisor that verified the address and told me that the name would be changed with in XXXX hours. I waited and it was still not changed. I called again and they just said they can put another ticket in. It is not 2 days later and this is still not updated. The supervisor that I spoke with at XXXX XXXX  today XX/XX/2024 gave me the ticket # XXXX. My paycheck is set to direct deposit today and I can not access this. I am getting late fees on my bills, and my electric is going to be shut off because I can not pay my bill.
Product: Debt collection

I have disputed this collection acct twice that has so many misleading and inaccurate details, it should have been removed. Nobody is investigating hardly anything! The date of service, the date it went to collection was premature of fcra guidelines, lender sent me a balance but it does not correlate with XXXX and XXXX investigated reports. So I assume lender is not being fully honest with them. Report also states no payments have been made, which is inaccurate. My insurance has paid out about {$10000.00} of original charges. This is misleading for future lenders that review my credit report and alters major impacts. If info isn't accurate, it must be removed, it doesn't folllow fcra guidelines, it must be removed ; and I sent out a validation request to lendor BCA and months go by without a response, that alone is supposed to be grounds for removal.
Product: Checking or savings account

I submitted a fraud claim at the end of XXXX I believe XX/XX/XXXX XXXX} was stolen from my account due to fraud I immediately called SunTrust when I found money was missing and open the claim they said that they would investigate the claim and provide me with a decision about two weeks later they concluded that they found no error. After calling and speaking to multiple representatives one explained that I needed to file a rebuttal form and provide proof which I did last week they finally refunded me my XXXX in the meantime due to not having my {$XXXX} in my account in XXXX through XX/XX/XXXX I incurred XXXX insufficient fun fees charged at the amount of {$XXXX} per fee some of these fees are duplicates from the same merchant multiple times and none of these fees wouldve occurred if Fraud was not allowed on my account or if a temporary credit would have been granted while they did their investigation or if they did their investigation correctly the first time. With all the fees Ive paid the money I had going in and if I had my {$XXXX} I never would have been in a negative state I have reached out to SunTrust now truest multiple times for an hour to two hours at a time each time they keep pointing the finger at a different department and nobody is providing me assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert through my creditwise monitor account from Transunion stating my account is derogatory as of XX/XX/XXXX ( it was just updated to an improved account on XX/XX/XXXX ) ..that the lender reported it.. I called today XX/XX/XXXX to XXXX XXXX credit reporting department and was told my account is current and no past due amount and this information was reported to the credit bureau i then called Transunion three times today XX/XX/XXXX saying that I needed to contact yhe creditor 1st call she pulled my account with no problem 2nd call back i was told im a victim of fraud and my account can not be access and the rep gave me a number to call which i did to be ask do i want to place a freeze on my account if I Feel like im a victim of fraud wait what?? I was just told by your last rep i was but now you saying you apologize for the the inconvenience ok so i go on to explain why im calling again to be told to contact the creditor once again i explain ive already called and was told they reported the correct information that i needed to call the credit bureau i have statements showing my payment was on time and my account shouldnt went back negative 12 days later i would like this corrected by whomever isnt updating this correctly ive worked hard to get my credit back on track and to get bounced around from creditor to credit bureau and vice versa
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 was notified that my account needed further verification to sustain the fact that myself the the secured account holder was truly the person who posted money for a Secured credit card this after receipt of monies sent with all proper Id to open the account and use has been continues for over six months .I complied and sent what was requested that was driver license social security card and utility bill this was on XX/XX/2018 as well it was confirm progressive received via fax .No further response until received a letter indicating documents had not been received therefore the account is closed.I called spoke with the initial representative who saw documents had been received and kindly argued the case to her supervisor on my behalf, she had become flustered and directed me to speak with the supervisor who i though would see the error and correct it.He did not but informed me that i should have gotten a police report or disputed a bureau for something i had nothing to do with.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax continue to place false information on my credit report despite several disputes. Each time I dispute an account, the creditor submits different information and my credit file is updated with false and inaccurate information. Some items on my credit file have different personal information such as birthdate, however XXXX and Equifax refuse to remove false accounts after dispute. My credit history has suffered due to this. Currently XXXX XXXX has been allowed to violate The Fair Credit Reporting Act by submitting false information while XXXX and Equifax support this behavior by allowing XXXX XXXX to unlawfully raise my account balance and claim false late payments. This is apparent if someone took the time to read and compare information from the several disputes I have filed. XXXX   nor Equifax keep proper records as the personal information on file is not correct. I attempted to fix the matter, but It has yet to corrected and the inaccuracies remain on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want a account thats been fraudulent open remove
Product: Checking or savings account

TD Bank would not give me another debit card because of a change phone number. I came in person, verified my identity and the agent said I would get the card in a few days. It's been a month and they still haven't given me access to my bank account. I told them if they don't give me a working card, I'll be closing the bank in which the agent refused to answer back. It's the most corrupt bank in the world, the most fraud to ever commit here too. They sit here and violate my rights consistently and I am sick and tired of it
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains accounts that I have no knowledge of. I did not open or authorize these accounts, yet they are being reported under my name. This is completely inaccurate, and I need an immediate explanation of how this happened. My credit history is being unfairly impacted, and this situation needs to be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I had a Collision on XXXX XXXX XXXX XXXX XXXXXXXX, MI on XX/XX/XXXX. XXXX XXXX XXXX cases against me were opened against me by XXXX XXXX XXXX, while I was in a hospital, where he had transferred me after taking custody of me after the auto accident. He apparently never told the XXXX XXXX XXXX XXXXXXXX that I was probably still in the hospital, since I was XXXX. old. When I got out, I found that a Default Judgment had been entered against me for No Proof of Insurance. Eventually, on XX/XX/XXXX, the Judge dismissed the No Proof of Insurance case, and reduced the other case for Careless Driving to XXXX XXXX XXXX. Record checks done by XXXX XXXX XXXX XXXX, and XXXX XXXX 's as well, did not show the proper result of the XX/XX/XXXXXXXX XXXX XXXX. Hearing, and continued to list the 2nd Case as a Conviction for the more serious XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX was willing to check with the XXXX XXXX XXXX to correct the error as I requested. My XXXX XXXX XXXX XXXX was doubled to about {$860.00} as a result, and will continue to be at least that high at next renewal. BTW, I'm not admitting guilt for the XXXX XXXX, since I was not even on a freeway that day, and had just turned off XXXX XXXX XXXX. at the appropriate speed.
Product: Debt collection

All I know is what the legal office that i called said. I talked to a XXXX XXXX XXXX He said the company 's name is Capital One, Date 2014 and the bill is over {$2000.00}. 
Phone number to the legal office is XXXX, case number ID XXXX. 
I don't know anything else. 
XXXX XXXX said that up til 2014 payments had been made. I have never had a capital one card. I don't know what this is about