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

I have sent several certified letters to both the collection company as well as the  XXXX  credit bureaus regarding  XXXX ,  XXXX   XXXX  and   XXXX   XXXX   accounts that I didnt authorize in my name. It has been showing up for the past few years on my report and thats not fair to me as a person who is trying to establish credit after being a victim of identity theaft for many years and i didnt know. I have a security freeze on my credit reports now. I had to work on my credit report night and day to resolve the issues that had arised. It 's  XXXX  items that needs to be removed. I am reaching out to you to see if I can get assistance from this department. Please assist me in this process. I have letters to show that ive made several contact with both creditors as well as the credit beaures. These items are seriously affecting me with obtaining credit and I NEVER DID BUSINESS WITH EITHER BUSINESS. I was n't able to attach my l ast 4 ss #  on this conplaint due to an error. Please be advised and fix this error reporting on my credit report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to help my wife get a car, I explain to them not to run my credit more that one time because it would hurt my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am unaware of this account on my XXXX  and XXXX credit report. I do not know where this account comes from. I contacted the collection agency with no response. I want to see how to fix this problem as it is damaging my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute CenteXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the presence of certain inaccuracies. The following item ( XXXX ) require correction : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX. The following personal information is incorrect Employers : XXXX In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. It is my understanding that you will verify these items with the relevant creditor. Any unverifiable information should be promptly deleted. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are obliged to complete this reinvestigation within 30 days of receiving this letter.

Kindly send an updated copy of my credit report to the aforementioned address. The act stipulates that no fee should be imposed for this updated report. Additionally, I kindly request that you notify any parties who have received my credit report within the last six months of the necessary corrections.

Thank you for your attention and assistance in resolving this matter. 
Yours faithfully, XXXX XXXX
Product: Debt collection

I reported predatory lending against Xact. The original amount was {$2900.00} and is now over {$5000.00}, and the APR was 220.4 %. 

Also, now they are threatening legal action against me. There is no proof that I have any financial obligation to XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for an Apartment and they use Screening Reports Inc as a third party provider. They say I have no credit history with XXXX yet I have a full credit report when I go to their website. I called them and they spoke with me that they are only using the information given and would not let me provide the information I have so they can correct it. They are preventing me from securing housing and I will not be able to live.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the mishandling of my car loan account and the unacceptable lack of customer service I have experienced. 

The company incorrectly reported missed car loan payments on my account, despite all payments being made on time. Upon noticing this error, I made numerous attempts to contact the company to resolve the issue. Unfortunately, each attempt resulted in frustration : XXXX. Uninformed Representatives : When I finally reached someone, they appeared unaware of how to assist or provide accurate information. 
XXXX. Miscommunication : I was told a letter had been sent regarding the issue, but I never received such a letter. It remains unclear if it was ever sent. 
XXXX. Repeated Neglect : After multiple follow-ups, I was either met with no response or vague assurances that someone would handle the matteryet no action was taken. 
XXXX. Total Lack of Response : Most recently, I have been unable to reach anyone at all, leaving me without any resolution or recourse. 

This mishandling has caused significant stress and damage to my credit report through no fault of my own. There has been no attempt in the company to : Investigate this error immediately. 
Correct any inaccurate reporting to credit agencies. 
Provide written confirmation of the resolution.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I attempted to purchase a puppy from what looked like a reputable site XXXX I got into contact with someone who told me pricing and shipping info. He stated the puppy was {$700.00} and shipping was {$200.00}. Comparing shipping prices it seemed low but not far off. Puppy price was low but within reason for a puppy not registered to the akc. They reassured my by sending updated pictures of said puppy. They reported their name as XXXX XXXX with an email of XXXX. The phone number they used was ( XXXX ) XXXX. They stated they were from XXXX Maryland. I sent the money through XXXX to a XXXX  name of XXXX with the email above. I got a shipping confirmation number on what looked like a reputable site XXXX tracking number XXXX. Listed on the shipper info is XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX XXXX. The next day when the puppy supposedly shipped I got a notification the puppy was on hold due to incorrect crate and I would need to send {$1800.00} that would be refunded for a new crate. I attempted to contact the seller who tried to play it off as a normal thing and continue the scam. I put it together at that point it was a scam and attempted to get my money back calling my bank and requesting the money through XXXX and calling the scammer for a refund. Because I authorized the money transfer, my bank stated they can not do anything and to contact the seller for a refund, which is impossible with a scam. I will attach the email and text messages I recieved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and I seen accounts and addresses that I never lived at. I have never lived in XXXX GA. There were several phone numbers that are not mine. Someone has open accounts for cellphone and cable bills. I do not recognize any of these companies : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I was looking into a home purchase when I discovered the account above. I have filed a report with the Consumer Financial Protection Bureau and Federal Trade Commission.
Product: Debt collection

LVNV Funding LLC, C/O Resurgent Capital, the date the company reported the fraudulent information on my credit report was XXXX. I contacted the company and requested proof of debt owed according to the XXXX XXXX reporting act, for which I never received. Once the fraudulent information is removed by the credit reporting agency about 3 months later LVNV Funding report the same information again to the credit reporting agency. LVNV Funding has been informed to stop reporting fraudulent information to the credit reporting agency if the company can't provide proof of debt with the original application or contact according to the Federal statue XXXX XXXX reporting act
Product: Bank account or service

Defendant : Sun Trust Bank - XXXX XXXX Branch XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX - Branch Manager and Assistant Vice President Phone : XXXX Fax : XXXX Email : XXXXXXXXXXXX Plaintiff : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXXXXXXXXXX On Friday, XXXX XXXX, XXXX, arrived at the branch bank with my safety deposit box key to retrieve documents and gold jewelry. I was denied access to the box. The branch manager explained that the box had been assigned to someone else. The box was rented jointly with XXXX XXXX XXXX, my significant other. I hold both checking and savings accounts at that bank and have been using Sun Trust since XXXX XXXX. Any box rental fees should have been automatically deducted from the checking account. Except for the initial rental fee, I have never bothered to consider the rental fees. I was under the impression that the bank was doing its job. I have never received a bill for box rental fees. Rental fees were not discussed at the XXXX XXXX meeting.
Product: Mortgage

I applied for a REFI with Amerisave back in XX/XX/XXXX. I have answered all the questions, provided all the information ask for, filled out all the forms, signed and sent them XXXX dollars of ernest money. The process just keeps dragging on with new excuses and asking for repeated forms to be signed. It is now XX/XX/XXXX and I have tried several times to get answers from them about updates on my progress and have gotten no response with information. Can you please help? Thanks
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Experian Credit Reporting Companys Handling of Credit Disputes Dear Sir/Madam , I am filing a formal complaint against Experian Credit Reporting Company for failing to appropriately validate and resolve disputes I filed regarding several items on my credit report. 

Disputes Filed : XXXX XXXX XXXX - Dispute filed on XX/XX/XXXX XXXX XXXX - Dispute filed on XX/XX/XXXX XXXX XXXX XXXX - Dispute filed on XX/XX/XXXX Despite my efforts to resolve these issues, Experian did not take the necessary steps to safeguard my credit report by appropriately validating these debts. Additionally, they did not provide me with the information used to validate these debts, which is my right under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

As a result of Experians mishandling of these disputes, these negative items are still being reported on my credit report. This has defamed my character and caused me to pay higher than normal interest rates due to the ongoing negative reporting.
Product: Checking or savings account

i got letters in the mail regarding fraudulent bank of america accounts opened under my name. I contacted bank of america to report this crime of id theft and recieved claim paperwork on XXXX XXXX, 2023. I returned the documents on XX/XX/2023. I have not received any update. I contacted bank of america over the phone and they stated the department did not receive the requested documents back and have closed the claim as a result. I did send the completed fraud packets back 4 times in fax and mail. 
Claim : XXXX, XXXX, XXXX, XXXX, XXXX. I attached the FTC ID THEFT claim on here as well.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : # XXXX, : XXXX # XXXX, XXXX # XXXX XXXX : # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX has violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

These aren't mine ... please remove them.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account 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 account below : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received a notice from XXXX that a request to change my address was initiated and I needed to verify that this was accurate. I contacted XXXX and indicated I didn't apply for a change of addressed and filed a report. In O ) cober of XXXX I r3ecieved a notice from Wells Fargo Bank that my account was being closed due to delinquent payments. I contacted Wells Fargo and notified them that I never had a Wells Fargo account and filed a fraud claim. This situation is currently being investigated by Wells Fargo. On XX/XX/XXXX I received a notice from XXXX bank that they were closing my account due to non payment. I contacted their fraud department and indicated that I never opened an account and this is currently being investigated by XXXX bank. 
As a result of these fraudulent activities I opened an account with XXXX to check my credit history and current status and found that both the Wells Fargo account and the XXXX Bank were listed on my credit report as being closed and delinquent with sums totaling over {$32000.00}. and my XXXX XXXX dropped to XXXX from XXXX. XXXX is currently investigating the fraud claims with Wells Fargo and XXXX bank.
Product: Checking or savings account

. 
XX/XX/2023 Claim was filed by me over the phone for unrecognized pending charges to my account not done or authorized by me. 
XX/XX/2023- JP Morgan Chase Bank credited my account for the unrecognized charges to my account I had reported. 

XX/XX/2023 I Called JP Morgan Chase Bank to inquire about the reversal of the credit made on XX/XX/2023. The representative said to call back at later time that day. The claims department did not open until XXXX eastern standard time.. 

XX/XX/2023 Called JP Morgan Chase Bank for second time that day to inquire regarding the reversal of the credit. Representative stated that after their investigation it was determined XXXX XXXX was used by phone to make the transactions. I explained to the representative that it was not me who made those charges and do not know how my account was accessed. I was also told that my filing was not done in a timely manner, which I feel my reporting of the fraudulent charges were not delayed. As soon as I became aware of the charges on my account I immediately reported the charges ( XX/XX/2023 ). At that time some of the charges were still pending and that is the first moment I became aware of the fraudulent charges. The pending charges prompted me to look at past transactions and thats how I became aware of the other fraudulent transactions that had already been processed/paid from my account ( later told that I am at fault for not reporting immediately ).
Product: Credit card or prepaid card

On XX/XX/2019 I made one purchase at XXXX XXXX, in XXXX XXXX . The merchant swiped my card 3 times due to a poor internet connection. When I discovered that the purchase had actually been processed 3 times I contacted Bank of America and they removed the 2 extra charges while they investigated the dispute. On XX/XX/XXXX they contacted me and indicated that the charges were substantiated and added back on my credit card bill. At that time I contacted the credit dispute department in XXXX XXXX who informed me I would need documentation from the merchant indicating that these charges were indeed in error. At that time I attempted contact with the merchant and had difficulty reaching her at which time I contacted an acquaintance in XXXX who went to the merchant to discuss the matter. After this visit the merchant provided me with a letter and documentation substantiating that these charges were an error and also documentation that the funds were removed from her account. I then forwarded this information to Bank of America 's dispute department and was informed that the time frame for investigating the dispute had lapsed. I have attempted to contact Bof A with no reasonable response.
Product: Credit reporting or other personal consumer reports

I still have not received written confirmation of the actions that was mailed to NCB Management Services on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As I mentioned to them, I am a victim of identity theft. I recently learned that my personal information was used to open an account with a company called XXXX XXXX XXXX. I did not open or authorize this account, and I request that it be closed immediately. The trade line from XXXX XXXX XXXX was removed from my credit profiles immediately once I sent them all of the identity theft information. I had sent the same information to NCB Management Services whom claim to own the account. In my correspondence I had enclosed a copy of my FTC Identity Theft Report. Because the information they are reporting is the result of identity theft, and inaccurate, I requested that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I asked that they take these steps as soon as possible. I also enclosed a copy of the FTC 's Notice to Furnishers, which explains their responsibilities when reporting information to CRAs. I had asked that they stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. I further request that they please send me a letter explaining their findings and actions. The only response back from them was their own copy of a theft report which was promptly filled out and sent back. The fraudulent information still remains on my credit profiles. This is causing severe financial harm to my family.
Product: Checking or savings account

I have an account with Citizens Bank on XXXX XX/XX/2024 the bank took a {$150.00} miscellaneous debit from my account I contacted to bank over the phone, and they took an investigation regarding the transaction claim number XXXX after investigations they did not provide any information about the transaction. I received a letter that closed my claim and did not issue credit. 


also bank does not provide any information about the transition. I request more information about that transition. they can't find any information about that transition.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent to Equifax a dispute outlining my proof that an account that was deemed to be late was in fact a billing error on behalf of the original creditor. I have on several occasions disputed this extremely incorrect and erroneous information each time providing laws as well as forms of proof as to why this has to be a mistake on behalf of the company. I would just like my report to reflect my true credit worthiness and be given my fair credit rating I deserve. 
Previously I placed a dispute about Equifax reporting misleading and false information in regards to an account by the name of XXXX XXXXXXXX XXXX and a billing error that occurred with my account. I sent to Equifax sufficient proof that the error was on behalf of the company by providing Equifax with a letter from the company with the company 's official letter head stamped on it. stating they made a mistake in billing and were able to correct it. The problem since have still not been fixed and the company is now acting as though this was never stated. The problem I am having now is having the account updated to show its correct status of never late or always paid as agreed. I have been dealing with this situation for sometime now and am getting to the point where I feel as though I will have to seek litigation. Please uphold your duty as the regulator to these Credit Bureaus that are exploiting the system and over-running those of us that are truly credit worthy and abusing there power to due injustice to honest people. I have provided with this complaint attachments of the dispute sent to the company on XX/XX/2022 this included my I.D., dispute letter, letter from the original creditor admitting to the error and stating that they were going to update my report, and lastly my social security card. Equifax was also past the lawfully allotted time allowed to respond further adding to their long list of violations. I have yet to get a response mailed to my house or any type of proof the late payment occurred and was actually factual thereby being grounds to update to show the true status.