23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX/XXXX/2015 my finance visited a Wells Fargo Branch located at XXXX XXXX, XXXX, TX XXXX to resolve an ongoing issue we have had with our business checking account. XXXX XXXX the account representative finally fixed the issue she created and began asking my finance if he wanted a Wells Fargo Business Savings account. She had him sign a form and pulled his credit with he was unaware of because he did n't read the fine print. I receive credit monitoring and the following day I received an alert indicating that my credit was pulled by Wells Fargo. I called the branch on Monday and spoke with the manager into order to advise him of the situation, he was very hostile and began ranting that his employees would never run a person 's credit without their permission. I gave him the employees name and he told me he would like into the matter. I received a call from XXXX XXXX several moments later profusely apologizing about the situation. I asked her why she pulled my credit without my permission and she indicated she was not aware of Wells Fargo running " hard pull inquires '' on business savings accounts. She said I would receive a letter stating that it was a mistake and it would be removed from my credit report. Since that date I have received the run around from their credit bureau department as well as XXXX. I want this inquiry removed from my XXXX report. Prior to the incident at hand I never had a conversation with this woman nor did I sign anything giving her permission to pull my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

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
Product: Debt collection

I called XXXX XXXX XXXX to tell them that they are reporting wrongful information on my credit, that I owe a debt for an eviction to a place that I have never lived or leased or rent. Someone used my information to apply and they got evicted now its on my credit and I can not get any where to live and I can not get any approvals for any car or apartments because of this wrongful credit reporting on my score, they never sent me any letters and have not contacted me since XX/XX/2023 but its sitting on my credit saying that Ive been evicted and the apartment complex has no records of me ever living there. But they sold the debt to a collector and now its reporting on my credit with a large balance
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XX/XX/XXXXXXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX Subject : Notice of Intent to File Lawsuit for Continued Reporting of Fraudulent XXXXXXXX XXXX Account Dear TransUnion Dispute Department, This letter serves as formal notice of my intent to file a lawsuit against TransUnion for willful and negligent violationsof the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ] due to your continued reporting of a fraudulent XXXX XXXX XXXX XXXX  account on my credit file. Despite submitting a Federal Trade Commission ( FTC ) Identity Theft Report, a police report, and multiple dispute requests, you have failed to remove this fraudulent account, causing significant financial and reputational harm. 
Details of the Fraudulent Accounts : Creditor Name : XXXX XXXX Account Number XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number XXXX Date Opened : XX/XX/XXXX I have provided sufficient documentation under FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires consumer reporting agencies to block fraudulent accounts when a consumer provides an identity theft report. You have failed to comply with this obligation and have instead continued to report inaccurate and damaging information.

Due to your willful noncompliance, I am prepared to file a lawsuit against TransUnion in California Federal Court for the following violations : 1. Failure to block fraudulent information as required by FCRA 605B.

2. Failure to conduct a reasonable reinvestigation as required by FCRA 611.

3. Continuing to report inaccurate information in violation of FCRA 623.

I demand that TransUnion : 1. Immediately and permanently remove the fraudulent XXXX XXXX account from my credit report. 
2. Provide written confirmation that this account has been deleted from my file.

3. Cease and desist from any further reporting of this fraudulent account to lenders, creditors, or other third parties.

If I do not receive written confirmation of full compliance within 15 days, I will proceed with legal action seeking statutory damages, actual damages, punitive damages, and attorneys fees as permitted under FCRA 616 and 617. Additionally, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office regarding TransUnions continued failure to comply with federal law.

This is your final opportunity to resolve this matter before legal action is taken. Please respond in writing to confirm compliance by XX/XX/XXXX Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi, my name is XXXX XXXX, and my DOB is XX/XX/year> Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employment : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CONCERNING : Oliphant USA LLC {$880.00} Im writing because I have been financially and credit wise violated and victimized and not heard or cared about, I am an identity theft victim and fraud victim along with, I have been in over 10 security breaches and my info has been exposed. 

I have an Active Alert on my credit reports to call my number XXXX before opening any accounts. Its been on my report over the last 10 yrs. MY RIGHTS WAS VIOLATED and not followed through. 

This company has failed me and opened an account that is not mine and I never Authorized it, this company has no signature of mine on file, this company as no contract or agreement from me, this company has no copy of my ID. This company also charged off & sold a fraud account. 

When I had to write to the company and have them close the fraud account, they lied and put they closed out the account and then, destroyed my credit for yrs I been battling this. When I had to get the law involved, they then sold my account illegally. 

The company was paid by the people who purchased the account illegally and then they violated my rights by not sending me a letter or formal letter of any kind stating they purchased a fraud account. 

The company also reset the dates on the fraud account illegally because I been fighting it for years to get my identity back, the company has violated my rights as a United states citizen and has violated fair credit reporting. 

The company has called next door neighbors and friends and family stating, I have a court case and giving out case ID numbers pretending to be court clerks when in fact they are collection agencies. 

I WANT THIS ACCOUNT TO BE PERMANTLY DELETED FROM MY CREDIT PROFILE AND MY CREDIT POINTS TO BE RESTORED. I DONT WANT THE GENIC WORDS OF CONSUMER DOES NOT AGREE. BECAUSE THAT IS NOT HELPING WHEN I AM A VICTIM.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$1100.00} XXXX XXXX XXXX Current Last Updated : XXXX XXXX, 2023 Account Information Account Status Open Account Type Collection Account Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My rights to privacy have been violated I didnt not agree for my personal information to be solicited or sold to this collector Nor did I agree to this collector to report to my credit report using my personal information This is identity theft fraud as I did not hold any debt with this collection agency This form of identity theft and unlawful credit reporting is keeping me from buy a home and my ability to secure personal loans and or credit supporting my small businesses with business loans and or credit
Product: Checking or savings account

I made a purchase XXXXXXXX XXXX XXXX, the company I made the purchase through XXXX is believed to have shutdown their business. I began a dispute due to not receiving my product from the company and since the bank ( ally ) shows it as an authorized transaction they will not follow through with the chargeback. I would go through the company but they are no longer responding to emails and going to my bank was my only other option.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX incorrectly reported me late. I reached out to Experian and XXXX  and they " investigated '' One day later the incorrect information was upheld. Im furious, XXXX get an intelligent person at XXXX.
Product: Credit card or prepaid card

Summary : I booked a XXXX XXXX XXXX XXXX night using my credit card. But I did not get the credit per the term. 

Details : I booked a hotel and then cancelled and booked another one. I saw the XXXX XXXX XXXX XXXX  credit for the first booking and then it was clawed back. But I never get the credit for the second booking as the customer service saying it is already issued, which does not make any sense since that is already clawed back. Another representative says that I need to wait for 2 weeks. But it has been more than that. 

The representative is also not professional at all. They are just waiting your time, give you non-sense reason, and do not give you any update for more than 20 minutes,.
Product: Debt collection

There was a simple mail issue with XXXX in 2011. Whether they never sent the statement or the neighbor with the identical address as mine on the other side of the circle ( XXXX XXXX XXXX ) got my mail and did n't return it, I never received it. Once I was aware of the debt, I paid it in full. 

I assume somewhere around the same time period, XXXX XXXX XXXX who is now under the name of Revenue Assurance Professionals, bought the debt. Well when they contacted me, the debt was paid to XXXX so I would n't deal with or speak with them. XXXX  2011, they hit my credit for the debt. I disputed it and although they removed the amount, they have continued to report it and still reports it today. I never did business with them and they have no right. I paid my creditor and remain in good standing with them. My credit is great and I am a responsible adult as noted with my payment history. This is wrong and they are bullies. I have made numerous attempts to contact them and dispute it ( they were beyond rude ), I have disputed it with credit agencies and they still leave the debt, and I have written the FTC to no avail. I even tried to BBB and that did no good. If you look up their original name, you will see all the bad reviews and complaints all over the internet. This company should be ashamed of themselves. Go after someone trying to get over, not innocent people like me!!
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX has submitted several documents and several times to dispute inquiries on my TransUnion credit report. TransUnion is refusing to remove inquiries from my credit report for accounts I dont not own. I informed TransUnion that I never gave authorization for these 8 companies to pull my credit report for a line of credit. They have yet to remove the submissions from my credit profile. Ive also informed them that Im a victim of identity theft
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies in how XXXX has reported my account to the credit bureaus Experian, XXXX, and XXXX. I am combining the reports on these 2 companies because they addressed me in 1 letter of correspondence, claiming the 2 accounts were being addressed simultaneously. Their actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. I previously contacted the creditor in regards to my account, once I noticed it was being reported as late. They had out-dated bank account information, which I had previously attempted to update, to no avail. When I explained this to the representative, they expressed that since the mistake was through no fault of my own, they would remove the negative information they were reporting to my account so long as I caught up on the missed payments, which I did. Moreover, the account status was not updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. BRANDSOURCE/MACYS has also reported inconsistent and inaccurate information to Experian, XXXX and XXXX regarding this account. Specifically, the payment status shows as " Paid as Agreed '' on both XXXX and XXXX, while Experian reports " Late 150 Days ''. The date of last payment is reported as XX/XX/year> on both XXXX and Experian, while XXXX reports a date of XX/XX/year>, and all XXXX credit bureaus are reporting different remarks under " comments ''. Despite multiple disputes, all XXXX credit bureaus continue to report this inaccurate information, indicating XXXX has failed to fulfill its obligations under FCRA Section XXXX ( b ), which requires a reasonable investigation of disputes and the correction of errors. These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a problem with XXXX, XXXX, and Equifax, and any other credit reporting agencies, not the credit card company. 

The issues is that these credit reporting agencies are failing to properly disclose legitimate details for the XXXX XXXX XXXX ( copyrighted ) service. These companies refuse to acknowledge the function that " XXXX '' serves in that you can take up to ten larger purchases and spread the payments out for up to 12 months, for a set fee. When that occurs, the Actual balance is less, but there is a total balance that " can - and will be '' significantly greater than your credit limit. I will show an example, in a second. 

These agencies fail to show XXXX " XXXX XXXX '', as separate loan, or separate line item. In doing so, they just report balance over limit by thousands of dollars and ANYONE looking at that rejects you for further credit say a car loan, or a cell phone. 

These credit agencies are working in the XXXX 's with a fax machine, they need to educate themselves in modern-day 21st century finance and stop recklessly damaging peoples credit with misleading misstated information. 

This is how it works, let 's say your credit limit is XXXX. You buy a roof for the house XXXX - put it on plan it 12 months, XXXX a month plus the fee. The charge comes off, your daily running balance is XXXX, but you " XXXX '' a total balance ( XXXX ) plus that fee. 

You then build a garage, XXXX, you had a XXXX balance on card, no problem, XXXX plus XXXX XXXX balance due, you then put the garage on a plan it, XXXX plus the fee for 12 months. 

Your balance due now is XXXX plus the fee, and your XXXX balance due is ... ... XXXX + XXXX XXXX ... .Bingo!!! they report you over your limit. 

The credit agencies Must change immediately to stop false misleading reporting. Every one knows there is NO-WAY a credit card company will allow someone to grossly exceed their credit limit. 

Please get them to change their reporting and stop the misleading reporting.
Product: Credit reporting or other personal consumer reports

My Complaint is to formally notify these credit reporting agencies of its failure to comply with federal laws governing credit reporting practices, specifically under 15 U.S.C. 1681c-2, 15 U.S.C. 1681b-2, 15 U.S.C. 1681q, and 18 U.S.C. 1028A. These statutes clearly outline the obligations of credit reporting agencies in ensuring accurate and lawful reporting of consumer credit information, as well as identity theft protections.

No matter what I do to have you correct these mistakes you refuse.

And So Pursuant to 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b-2, credit reporting agencies are required to take appropriate steps to verify and notify consumers when new information is reported to their credit file. To date, I have not received any notification or direct verification call from Lexis Nexis regarding any entity that has reported to my credit file. This failure to notify me constitutes a direct violation of these statutes and compromises the integrity of my consumer credit report.

Additionally, under 15 U.S.C. 1681q, any person or entity that knowingly and willfully obtains or discloses consumer report information under false pretenses is in violation of federal law. LexisNexis failure to ensure that entities reporting information to my credit file are doing so lawfully places you in direct violation of this statute. Furthermore, under 18 U.S.C. 1028A, the unauthorized use or mishandling of identity information is a federal crime, and by failing to verify identity-related entries on my credit report, LexisNexis may be complicit in allowing identity theft to occur.

Moreover, there exists a provision under federal law for willful noncompliance, which holds entities accountable for knowingly failing to adhere to legal standards. This may expose LexisNexis to legal liability, including statutory damages, punitive damages, and other legal remedies.

Given the above violations, I formally demand the following : 1. Immediate investigation and removal of any unauthorized or improperly verified entries on my credit report.

2. Written confirmation of all entities that have reported to my credit file and proof of the verification measures taken.

3. Implementation of proper consumer notification practices in compliance with federal law.

4. A written statement confirming that LexisNexis will adhere to all applicable laws moving forward.

5. For each Account on my report, I request settlement of {$25000.00} for your egregious and fraudulent practices. For me requesting an investigation and removal on all these accounts and you refusing, knowing you had no lawful right. there also needs to be a {$2000.00} settlement for each inquiry that i never authorized ever .... 

If these demands are not met promptly, I will escalate this matter to the Federal Trade Commission ( FTC ), and pursue legal action to enforce my rights under federal law.
Product: Credit reporting or other personal consumer reports

I received you're correspondence regarding my request for validation of this alleged eviction that you " verified. '' However, in the corresponding communication I did not receive any supporting or justifying documents from you nor the rental company as requested in my initial communication to you. Please SHOW me EXACTLY how you verified this alleged eviction. Both the documents and the process. Pursuant 15 USC 1681, you are required by law to communicate this with me within 15 days if requested. This is my second request at attempting to gain clarity on this erroneous insertion. If such documents are not produced within 15 business days please delete this from my consumer report. I am fully prepared and willing to file an official complaint against your company with the XXXX  and the attorney general if you are purposely relinquishing my federally protected consumer rights under the FCRA. Attached is XXXX XXXXXXXX stating he cant provide proof of the debt
Product: Student loan

Initially applied for XXXX on XX/XX/24. Plan shows pending and have been unable to get in touch with Nelnet to have the new IDR payment applied.