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

Since XXXX I have been trying to get a credit report only to be informed that I did not exist in any of the XXXX credit reporting agencies systems. This was understandable considering that I have never used credit at all and never plan on doing so. 
I was advised that I had to create a credit report by visiting XXXX of the XXXX agencies to present a valid identification to establish an account in my name for credit reporting purposes only, which I did. Next, I received a credit report from XXXX. The office that I visited and presented my Passport, Birth certificate, Social Security card, a Drivers license and a current utility bill to establish my physical address was TransUnion. 
The clerk was only interested in the Drivers License. When I received a copy of my first ever credit report, I immediately noticed that the report contained someone else 's information as to their name, addresses and employment history. Next, I checked the other XXXX agencies and discovered that all three reports were exactly the same! 
I assumed that this was merely a clerical error by the otherwise preoccupied data entry clerk that I visited. Naturally I requested a correction, as it apparently matters. At age XXXX I applied for a carry permit at the local police station, where I have actually lived since leaving the military after returning from XXXX in XXXX, only to be detained due to an active warrant for my arrest due to a background check that brought up XXXX of the names that these agencies had placed in my newly created report. 
Luckily, after being finger printed the police informed me that I was not the person that the warrant was looking for, as the prints did not match and I have no criminal history at all!!! SO, THIS IS A SERIOUS SITUATION. The police advised me to get this corrected or I will continue to have problems in the future. These reports can be very damaging and expensive to correct if you are lucky enough to get these agencies to correct the problem as they are very reluctant to cooperate while responsible as well as libelous for any adverse actions suffered by anyone based on incorrect information in these reports. I have been continuously attempting to have all three credit agencies correct my report by sending valid photo identification to no avail. CAN SOMEONE PLEASE HELP ME?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently file an complaint with the 3 credit credit Agencies along with XXXX in regards to my rights under the Fair Credit Act, and has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681, 15 U.S.C. 1681 sec 602a States I have the rights to privacy. 15 U.S.C. 604a section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. I feel my rights have been violated and therefore would like this information to be removed from these agencies. In the information that I have attached below, it will show that I have went through the proper channels to prove that this is unfair and the information is proved to be unverified.
Product: Mortgage

XX/XX/XXXX a credit of XXXX was applied to my account and was never called on it or emailed why I had this credit. XX/XX/XXXX XXXX took XXXX out of my account for the monthly payment for XX/XX/XXXX, they should of only taken the amount XXXX to complete the payment. Still no phone call or email on the credit. Now its XX/XX/XXXX and they automatically applied the XXXX to a principal payment and took the full amount again which caused my account to bounce and my bank to charge me XXXX for the over draft fee.
Product: Checking or savings account

I have had an account with Chase Bank for many years now. 
Always in good standing until the Covid-19 crisis. 
Once my account ran into overdraft Chase began to have some personal issue with me and this account. My Stimulus Check was returned for having the wrong routing number although the routing number was provided to me by Chase and was for wire transfers and not direct deposits, this cost me the Stimulus Check as it was returned and then mailed to the wrong address before I could update my file with the IRS. 
Every single deposit made into this account has a hold on it regardless of the source of the check or the amount. As a result Chase has made it impossible for me to function or do business as normal or expected. 
I am forced to have fights with Chase on every deposit and have sited the rules for deposits as per the Attorney General Banking rules for deposits and holds on funds availability to them only to have pathetic excuses and lies told to me before they eventually release my funds as they should have in the first place. The latest issue I was told that the deposit wasn't processed so there was nothing they could do to release the hold although no hold could be placed until the check was processed. ( if it hasn't been processed how could there already be a hold? ) Chase seems to have singled me out and is making my life more difficult at a time when the entire country is suffering with this Covid-19 crisis. They are running me out of XXXX  and in directly into a homeless / poverty position with no regard to the state rules and regulations.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX Dear Consumer Relations : Going over my credit report, I have found it contains many errors. I request your investigation of the following " personal information ''. Please see the attached photo copy of my lease- for your reference. For the record : 1. My name is : XXXX XXXX. Please remove all other name variations IMMEDIATELY- they are not accurate! 

2. My current address is : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Please remove all other addresses IMMEDIATELY - they are not accurate! 

Please delete these disputed items, as I am concerned about identity theft. Thirty ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX SS # : XXXX DOB : XXXX/XXXX/XXXX
Product: Credit reporting

I have for the last XXXX3 years been billed for credit monitoring thru XXXX and equifax. The amount billed to me monthly is XXXX. The score reported thru XXXX and equifax has never matched the score reported to financial institutions when I applied for a loan and they pull their own report. This makes absolutely no sense. If I am told I have XXXX credit score and everyone publically states on websites and commercials " know your score '' then why is the score they tell me I have under the repirt they give me any different from the report these XXXX credit services give to lenders? 

Exactly how many credit scores does a person have? 

This is rediculous and not explained to me by the reporting agency or lenders at all. 

What was the point of paying for this if the information isnt the same? 

XXXX score should mean exactly that. 

And these companies control the info as to who gets a loan and at what rate because of the scores they generate. Apparantly different depending on who is asking for it ... its utterly confusing and misleading and rediculous. XXXX credit score should mean XXXX credit score period. 

I cancelled my XXXX subscription tonight only to be told by the XXXX rep that it wont be cancelled until another 10 days from now??? And it took me 10 mins of saying no to various " can we keep you for this reduced price or other service '' questions not to mention talking down to me that I will lose a life lock monitoring service if I leave them .... ummm ok done means done and cancel means now not 10 days later. 

Paid for nothing in my opinion. Complete waste of time and money. 

And the reporting of different scores depending on if you are an individual vs a lender is completely misleading, confusing and upsetting! XXXX score should mean exactly that. This whole system needs a review and makeover!
Product: Credit reporting, credit repair services, or other personal consumer reports

the information being reported on my credit report is incorrect. 
it's a few days short of 30 days and i have not received any updates on my fraud dispute letters. 

This Account not mine XXXX Account # XXXX Date Opened : XX/XX/XXXX Account not mine XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Account not mine XXXX XXXX Account # XXXX Date Opened:XX/XX/XXXX Account not mine XXXX Account # XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

The mortgage was modified. In order to get the modification done properly, my attorney and I had to enlist CFPB assistance. 

I made all of the trial payments correctly. The modification was properly executed in XX/XX/2019. I have made all post-modification payments PRIOR to the due dates, but as of today, the three bureaus show that I have NOT made the trial payments and that I am STILL delinquent on the loan. This is highly damaging to my credit, which is doubly harmful because this modification was rendered necessary by an employer unlawfully terminating me and the time it took to acquire a new job.
Product: Money transfer, virtual currency, or money service

In two different months I tried to send money to XXXX as I am a XXXX-XXXX  to an American citizen in XXXX who needs the money and both times Wester Union has not processed my debit card which they charge at a lower rate and force me to use a credit card with, in my case, {$20.00} markup. The option to pay with debit card is available but no in practice. I wonder if this is another fee issue with WU, they have a checkered story. I checked with my bank ( XXXX  ) and they have no problem since I had money in the account and they have no issue of fraud with either. It is not a lot of money, but it does multiplied by many customers can be significant.
Product: Credit reporting or other personal consumer reports

I am following up on a complaint regarding fraudulent activity identified on my credit report. After submitting an identity theft report to the Federal Trade Commission ( XXXX XXXX XXXXXXXX ), I am requesting the removal of the following account, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), reference number XXXX. Attached are the documents needed to facilitate this process. Please find below the account details as reported by each credit bureau, opened without my authorization : EXPERIAN : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- -- -XXXX  : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX Balance : {$920.00}. According to FCRA Section 605B ( a ), credit reporting agencies are required to remove any fraudulent entries from a consumer 's file no later than XXXX business days after receipt of a claim.
Product: Debt collection

The payment was made with the agreement the collection was to be deleted with payment. Instead, the item was only updated to paid in full. I am requesting to please removed from the credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank XXXX XXXX processed a hard inquiry on my credit report on XXXX XXXX. This was done without my knowledge, permission, or consent. When asked for the reason of the inquiry, they stated it was for " account assessment ''. They refuse to remove the hard inquiry from my account, despite the fact that this was done without any reason, and for no purpose. Again, this was done without my permission and consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

This is my second 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX , CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$6700.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$93.00}.
Product: Bank account or service

Wells Fargo opened an on-line " platinum card '' without my knowledge and without my authorization, consent or signature. I never received this card, and there is a {$5000.00} line of credit associated with the account. I can see it in my on-line account. This was done around the time that my home mortgage was being processed which is also owned by Wells Fargo. Looking back, it appears Wells Fargo issued me an unauthorized line of credit, adjusting my debt to credit ratio. This affected my credit score, which affects the APR I pay to the Wells Fargo mortgage. As a result I am now paying additional interest to Wells Fargo, through my mortgage at a cost of thousands of dollars over my 30 year mortgage. Also, this affects any other loan amounts I finance because of the unauthorized adjustment they made to my credit score, such as vehicles, appliances and home improvements. I have worked very hard to manage my credit score, and that they fraudulently adjusted it is very very frustrating. 
Additionally, around this same time, they cancelled a savings account I had with them since 1992 which was in excess of several XXXX dollars. Again, they adjusted my credit history, by cancelling an account that had a clean history in excess of 20 years. I went into their office to complain, and they offered to open a new account, but the history would be lost. They stated that " they have lawyers, and that they will win and I would lose if I try to resist what was happening ''. XXXX things that have never happened before, both happened as I was attempting to purchase a home. Beyond incompetence, this appears to be malicious fraud. I would appreciate assistance, as I am a hard working individual, and they are a large entity willing to use their " lawyers to beat me '' if I resist their tactics.
Product: Credit card

I request the immediate blocking and removal of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I have no knowledge of their origins. As per USC 1681g, I am formally requesting their removal within the next 15 days. Relevant documents are attached for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX  XXXX XXXX  XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from IDEAL COLLECTION SERVICE that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I sent them a final certify letter on XX/XX/XXXX, see attached, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that IDEAL COLLECTION SERVICE is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. The accounts that does not belong to me, are constantly reporting on my Credit Report. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Charge Off : XXXXXXXX XXXX XXXX - Balance : {$0.00} XXXX  XXXX - Balance : {$450.00} XXXX XXXX - Balance XXXX {$11000.00} XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX - Balance : {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX - Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance XXXX {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX - Balance : {$250.00} XXXX AXXXX XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX {$860.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX - Balance : {$300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX - Balance : {$450.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX - Balance : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX - Balance : {$120.00}
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 Bankruptcy XXXX  XXXX Account # XXXX The Above-mentioned Accounts have 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 an account without my written instructions
Product: Debt collection

Nationwide Recovery System is inaccurately Reporting medical bill information on my credit reports my medical information has illigally been shared with this third party debt collectors I never gave any consent for my health information to be shared with a third party debt collection agency and when received care all my documents I signed stated that my information in no way will be share with a third party this is a Violation of the Fair Credit Reporting Act and also a Violation of HIPPA. the medical bill that is being reported on XXXX reports was paid my medicare insurance and also I had no agreement no signed contract or nor I received any service from a Nationwide Recovery System this company is operating illegally and this account is involved in litigation for negligence and a lawsuit for punitive damages.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, DRIVEIT XXXX XXXX add a hard inquiry on my credit report per XXXX.
Product: Credit card

I experienced identity theft and notified XXXX XXXX, Macy 's, XXXX, Citi and XXXX. They have reported to the credit reporting services that upon investigation, they had decided that I was in serious delinquency even though they knew about the identity theft. After notifying them of the theft, the thief was able to open a credit card at XXXX XXXX under my name and rack up additional debt. I immediately informed them that I did not open this card and had they looked at my account, they would 've been able to identify the continued identity theft. Instead, they took more than {$6000.00} out of my checking account to pay the balance on this fraudulent credit card. And now XXXX XXXX is claiming, I owe them {$3800.00} which is destroying my credit. They also never repaid a penny of the theft which was laundered through my bank account. They only saw the problem when I went into the branch to make an inquiry about my account. XXXX XXXX claimed it was my problem. XXXX, Macy 's and Citi claimed I owed an amount that was also part of the identity theft. I provided them with two police reports about the identity theft and a notarized FTC proclamation about the theft. This too continues to destroy my credit. I 've employed many credit repair service to no avail. In fact, they take the debts off my credit report and then put them back on. And XXXX was paid in full and apparently that payment went to a different payment address and it took XXXX three months to get the payment credited to my account. They have put this on my credit report as late payments. XXXX Bank Line of Credit put late payments as " seriously delinquent '' even though I was in a modification of the loan which XXXX XXXX said I did not have to pay until the modification was complete. During the modification progress, XXXX XXXX continued to ask for more and more paperwork which I did provide but nothing happened with the modification until I got a refinance loan and paid them off. No matter what I do, I can not get my credit score to what it was prior to the identity theft.