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

These Corporations, XXXX XXXX, TRANSUNION LLC, & XXXX XXXX, TAKE XXXX NOTICE, PERSONS, COLLECTION AGENCIES ( NOT BUREAUS WHICH IS ALSO FALSE MISPRESENTATIONS AS ATTORNEYS ) PAY CLOSE XXXX ATTENTION TO EACHWORD I SAY IN THIS. LETTER TO YOUR BOARD MEMBERS, STAFF, AFFILIATES CEOS CHAIRPERSON S AND ATTORNEYS FOR THESE NON FEDERAL POLICY HOLDERS WHO ARE NOT THE LAWS OF THIS LAND - TO HARM, IMPEDE ANY OR ALL OF THIS ASSUMED AND AFFIRMED FEDERAL RIGHTS WILL BE SUED FOR VIOLATIONS OF MY PROTECTED UNDER FEDERAL AND STATE LAWS THAT PROTECT MY MY PERSONAL CIVIL LIBERTIES UNDER FEDERAL LAW AND GOVERNMENT PROTECTIONS. YOU ARE HEREBY BEING GIVEN PROPER ACTIONS OF NOTICE TO PLEASE CEASE AND DESIST ANY ACTION OF YOUR SORRY- XXXX ATTORNEYS THAT QILL GET YOUR XXXX BEAT IN A FEDERAL COURT OF LAW! 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 I AM HERR TO XXXX WITH YOU, STALL FOR TIME OF PLAY WITH MY NAME!! YOU WILL FIND THERE ARE NO CHILDREN HERE. I WILL NOT WEAP FOR YOU. IF YOU WAN NA TRY IT- FINE. TRY MY PATIENCE. THERE WILL BE NEWSPAPER REPORTERS PRESENT. I AM HERE TO LEAD AN REVOLUTION TO DESTROY YOUR COMPANIES, AND KEEP YOUR XXXX XXXX  IN CHECK OR BREAK YOUR COMPANIES INTO PIECES. I WILL PLOW MY WAY THROUGH YOU BY USING THE FCRA, CFPB, FDCPA AND FEDERAL TRADE COMMISSION TO MAKE YOUR COMPANIES OBSOLETE! THIS IS YOUR LAST WARNINGS!! I the ALLEGED ORIGINAL CONSUMER HAVE MY OWN PHONES! XXXX cell phone is free the newest is paid for by card. The INACCURATE dates disclosed ARE IN FACT INACCURATE VIOLATIONS OF THE FEDERAL FAIR CREDIT REPORTING ACT. FACTA, FDCPA, FEDERAL TRADE COMMISSION. THEY THE XXXX AWAY FROM MY CREDIT FILES OR I WILL THIN YOUR POCKETS!
Product: Credit card

Around, XX/XX/year> I was planning a trip to XXXX from XXXX XXXX My charges including and not limited to XXXX rental in XXXX XXXX XXXX XXXX as well as meals and souvenirs etc. 
This was the first time frame. 
Around, XXXX through present regarding purchases for XXXX. 
I was deemed a fraud risk by the bank. 
I was interrogated. I once again told the fraud department of my charges dates amounts with the bank. That wasn't enough. 
The creditor demanded that I, 1- take a video of myself 2- provide a picture of my drivers license and card in question 3- I wasn't able due to my health issues This is where we are currently.

Since, I was unable to appease their demands.

I believe their processes regarding the Fraud department where overkill to say the least and bordering harassment.

I've never missed a monthly payment with one exception when Covid hit. At that time the bank offered a 30 day grace period in which I took part for that billing cycle Since when are we deemed guilty until proved innocent. 
XXXX XXXX
Product: Vehicle loan or lease

This is my second complaint. The previous one was completed by my loan officer, XXXX XXXX. I purchased a car through Nissan Motors in XXXX  of XXXX. I am the only borrower and I bought the car for my wife. She is now my ex wife and I was unaware that she was not making payments. She was behind for three months. Nissan never called me or notified me that the payments were late. XXXX XXXX gave me a pre-approval letter and I am under contract to purchase a home. When I received my credit report, I noticed my ex-wife did not make 3 payments. In order for me to continue with this contract, I made a payment and my ex-wife also made a payment on XX/XX/XXXX and brought the account current. I requested a letter from Nissan so that I can re-score my credit report. Nissan refused and said that they can not provide a letter stating that the car loan is now current until 21 days have passed from the payment I made on XX/XX/XXXX. Nissan 's reason is that I may possibly withdraw the payment already made. This is ridiculous and is causing me a real financial harm to me because my escrow deposit is at risk because I can not be submitted for a mortgage with the Nissan tradeline reporting as late when it has been current for the past sixteen days.
Product: Debt collection

I dont know what happened. I requested to know what happened. Never received a follow up.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, Using XXXX  I was unable to get a copy of my credit report. I was given an error message, and no option to complete the action.
Product: Debt collection

I checked my credit report and found Erroneous accounts and inquires which are not mine, as I have been a victim of ID theft. This needs to be removed from my credit report asap
Product: Prepaid card

On XX/XX/year>, I was trying to get a loan to help with some financial needs. I applied online and was contacted by someone claiming to be from XXXX XXXX, telling me I was approved. They asked for all my bank information, and I provided it, trusting that it was a legitimate loan process. 

Shortly after, I saw a deposit of {$1200.00} in my XXXX XXXX  account. Then, they contacted me again, asking me to send the money back. This raised a red flag, and my husband warned me not to respond to their calls or texts because it seemed like a scam. 

Things quickly took a turn for the worse. The so-called lenders began bombarding me with aggressive texts, clearly upset that I didn't return the money. Realizing I was likely dealing with scammers, I went to my bank and filed a police report while still on the phone with
Product: Consumer Loan

This is regarding a Line of Credit with Wells Fargo Bank. My name was added to a XXXX line without my permission. I have contacted Wells Fargo regarding this and they are not able to provide any type of verification that I ever signed documents or applied for this line of credit. My husband had applied for a LOC, however I did not want additional debt to me added to my ability to pay. This is causing my credit score to be impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I had Bankruptcy chapter XXXX and I own a house in XXXX XXXX XXXX. XXXX, MD XXXX and I was refinance my house with XXXX and my account was DISCHARGED IN BANKRUPTCY so my loan was never in my credit report, last month in XX/XX/XXXX this loan was transferred to XXXX their address XXXX XXXX XXXX XXXX, PA XXXX and my loan number with them is XXXX. 
XXXX send this loan to my credit report, I called them today XXXX XXXX at XXXX XXXX I was online for more that an hour with XXXX then XXXX to remove my loan from the credit report because I had this loan while DISCHARGED IN BANKRUPTCY but still no help. 
I want from XXXX to remove my loan from my credit report because of the BANKRUPTCY.
Product: Vehicle loan or lease

ON XX/XX/XXXX my XXXX XXXX XXXX  was repossessed by the request of Citizens Bank by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX The second company contracted was XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The vehicle repossession was illegal according to 15 USC 1692E and 15 USC 1692F statues. The second company XXXX XXXX XXXX just called and harassed me on a regular basis threatening to take my vehicle. I would also like to file claims of identity theft against all three companies according to 15 USC 6802 ( b ) ( 1 ) ( b ) and 15 USC 6801 statues. Both XXXX  companies listed received my all my personal information without my written consent. Citizens Bank has exposed all my sensitive personal information to recovery companies and their employees that can potentially be used in an fraudulent manner to cause harm to myself and family.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed that some accounts are inaccurate. I have not done business with any of these accounts.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect address remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy from   XXXX   to  XXXX . The credit card Amazon through Synchrony bank was placed in the chapter  XXXX  bankruptcy. I sent full payment of   XXXX   to the bank and a check was returned to me stating due the account is in bankruptcy, they could not accept any payments. The bankruptcy was dismiss   XXXX   XXXX   and they continue to report that my account was late during the time it was in bankruptcy. The account should have reflected never late because it was in bankruptcy.
<P/>
I contacted Synchrony bank several times to resolve the issue but I keep getting bounce to the bankruptcy department and back to customer service.
Product: Debt collection

This report is inaccurate because it is under one company yet the account numbers are different. Also the account number XXXX show no late remarks whatsoever only the 2 different account numbers only.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I WOULD LIKE A SECURITY FREEZE ON MY FILES WITH ALL THE CREDIT BUREAUS XXXX XXXX XXXX LEXIS NEXIS, XXXX I WOULD LIKE A PIN NUMBER TO ACCESS MY FILE AS SOON A POSSIBLE.
Product: Credit card or prepaid card

Regions Financial Corporation/Regions Bank of XXXX XXXX XXXX will not close my business Visa credit card account. The balance due on the business Visa card has been {$0.00} for months. Regions Bank telephone employee verbally told me I had to travel to a Regions Bank or write a letter on business letter head and mail it to : Regions Bank Credit Card Support, XXXX XXXX XXXX, XXXX, AL XXXX. I was told the mailing address.The body of the business letter included the credit card number, account number, number on the back, name, address. This was mailed on XX/XX/2023. On XX/XX/2023 I received, via U.S.mail, an envelope from Regions Bank containing a new business credit card. On XX/XX/2023 I called Regions Bank and the telephone employee informed me I had to either travel to a Regions Bank or write a letter on business letter head with all the information described above and mail it to Regions Bank. I informed the telephone employee that was done on XX/XX/2023. The employee offered no further assistance. On XX/XX/2023 I called Region Bank again to confirm information before submitting this complaint. This time I was told I had to find a Fax machine and Fax the letter and I was not supposed to mail the letter. Please tell Regions Bank to cancel my business credit card account.I do not wish to play anymore games with Regions Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my credit that are not mine and not authorized by me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am filing this complaint as I am attempting to dispute an account that was fraudulently opened at BankMobile using my social security number ( SSN ). The account in question, was opened using a different name and date of birth, but is confirmed to be matching my SSN. I have been advised to use the BankMobile reference number XXXX, which should be attached to the fraudulent account being disputed. 

I have provided BankMobile all necessary documentation that supports my claim of identity theft, including a completed fraud affidavit issued by the Federal Trade Commission, a police report with the XXXX XXXX XXXX Police Department, proof of my identity, proof of my social security number, proof of my legitimate residency, and a signed/notarized Limited Power of Attorney for XXXX to speak on my behalf ( who has been assisting me on this matter ). These documents were sent via USPS certified mail on XX/XX/2023 to BankMobile at XXXX XXXX XXXX XXXX XXXX NJ XXXX. The USPS tracking number indicates the documents were received by BankMobile on XX/XX/2023 at XXXX. 

XXXX and I have made numerous attempts to obtain an update on this disputed account, but have so far been unsuccessful, as BankMobile has been unwilling to assist us over the phone. I am requesting an immediate investigation into this identity theft matter, and expect to receive a release letter confirming the closure of this account and/or removal of my SSN. I expect any and all liability to be removed from my name and expect any reporting agencies to be corrected on my behalf. Thank you.
Product: Credit reporting or other personal consumer reports

It seems FCRA 605B obliges us to eliminate any erroneous accounts from my credit report. Would you mind checking the documents? Some accounts are inaccurately reported in terms of amounts and dates.
Product: Credit card or prepaid card

i received an email today that discover closed my account for failure to verify personal account information. 

theres an extortion attempt from discover to obtain my personal tax information for the IRS through a third party ( XXXX ) known for data breaches. 

discover restricted my account since XX/XX/2021. 

i made an attempt to resolve this issue by sending all the information they were trying to verify. 

discover was also served with a Notice of Billing error pursuant to 12 CFR 1026.13 they verified it was received in their office. in the aforementioned CFR no adverse action is allowed unless the dispute is resolved. 

sent via to discover registered agent The corporation trust companies vi certified mail tracking number : XXXX XXXX XXXX XXXX XXXX they were notified of a breach of agreement and noticed of adequate assurance of sue performance and asked to return a signed and notarized affidavit. 

discover was all notified verbally of a Cease and desist in XX/XX/2021. 

still the company decided to disregard the wishes of the consumer and Violate 12 CFR 1026.13 the information the are requesting according to their supervisors are. DOB, SSN, ADDRESS. which can all be verified directly with me by providing a copy of a drivers license and or via sworn affidavit. i offered these options however the extortion persisted this is my last attempt before legal action is necessary
Product: Credit reporting or other personal consumer reports

Nissan Motor account number ( XXXX ) has been reporting a ( late payment ) status onto my Consumer Report without my written instructions, which is a violation my Consumer rights.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my AVANT - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I REVIEWED A COPY OF MY CREDIT REPORT AND FOUND A FRAUDULENT CAR LOAN IN MY EXPERIAN REPORT. I HAVE NEVER HAD ACCOUNT WITH XXXX. I AM A VICTIM OF IDENTITY THEFT. THIS ACCOUNT IS A FRAUDULENT ACCOUNT. EXPERIAN CREDIT REPORTING AGENCY DELETED THE XXXX ACCOUNT AS OF XX/XX/2019. IN SPITE OF THAT, EXPERIAN REINSERTED THIS FRAUDULENT ACCOUNT BACK TO MY CREDIT REPORT AND MY CREDIT HISTORY WAS DAMAGED.
Product: Credit card or prepaid card

I requested XXXX with XXXX XXXX XXXX close my account over 90 days ... they kept charging me late fees and lying saying they were closing the account also with the XXXX card through XXXX .I would like to be reimbursed for late fees I have paid since my accounts were not closed 90 days ago as requested. XXXX took over the XXXX XXXX XXXX account without my knowledge, ... I have received another late fee and unknown charge for my XXXX XXXX XXXX card.

XXXX is deceptive and is stealing from me by refusing to close my account timely and charging me fees. I would like the fees and charges refund to me since 90 days ago ... when the initial request was made they threaten by harming my credit score if I did n't pay fees I know I did not accessXXXX XXXX XXXX XXXX ... phone number associated XXXX XXXX XXXX ....
Product: Credit reporting

I have filed several disputes with TransUnion and XXXX for Maryland State Tax Liens. I was able to obtain lien releases for both tax liens for XXXX and XXXX, which should have been removed in XXXX and XXXX respectively. The credit reporting agency refused to remove these liens, reported incorrect account and case numbers, and court information on the reports. When I called the number on the credit report, the information is not verifiable and I was told that this information does not exist. In essence, the credit reporting agencies are " rubber stamping '' invalid and incorrect information without confirming the validity of the liens. The courts do not report to the credit reporting agencies. Also, these liens are over XXXX to XXXX XXXX XXXX, well beyond the age limit for credit reporting. This has caused financial distress and caused me to be denied for Home Equity loans, mortgage loan modifications, student loans for my children, and other consumer loans. This has affected my FICO score.
Product: Credit reporting or other personal consumer reports

I've been trying to fix my credit reports from all three NCRA 's, and I have been successful for the most part, except with Experian. Experian keeps hindering my credit report and credit score when the others have raised my scores with the distinct difference of XXXX points! 
I

have been working on this for several years now, and every time I contact the representatives from Experian they are rude and condescending ( including management ). They do not want to help even when I have my credit report on hand and provide documentation in regard to my accounts. They either report incorrect data, or they are not updating my accounts at all unless I contact them to dispute the inaccurate information, which is affecting my score. The last dispute I submitted recently was to update the status of my XXXX credit card balances, auto loan, student loans, and to remove an incorrect listing of my name and my current employment information. The balances reported to Experian were XXXX months behind, yet XXXX and XXXX both had the correct current information.

As a response to my dispute, Experian tanked my credit score by XXXX points! They have had the same information all along, and the only information that was updated was positive information and deceasing account balances. This does not make any sense! Why would they decrease my score by XXXX points ( its down to XXXX, when they haven't penalized me in the past ), and XXXX and Experian raised my credit scores to XXXX and XXXX. 

When I called to question about the negative changes, they claimed that the late payments on my student loans from years ago are why. When I pressed further, they stated that they use the exact same algorithm tools ( XXXX XXXX and XXXX XXXX ) as the other NCRA 's and they can't explain why my score was impacted so negatively, or why there is such a distinct difference in the scores. I can understand some variations ; but not a XXXX point difference! This is unacceptable and lacks transparency to consumers.

This has been an ongoing struggle since 2020. They have wasted my time and its not fair how they are treating consumers when their reporting is deliberately affecting my personal life, my ability to buy a home, and their practices have caused issues with my security clearance in the past. Its not fair that they don't want to fix mistakes they are making, or use a more transparent method of calculating the scores in line with other NCRA 's. I need help getting this resolved.
Product: Credit reporting or other personal consumer reports

After looking my XXXX report on XX/XX/24 I noticed investigation didn't correct personal information errors. 
Agency is reporting incorrect name variation such as but not limited to ; XXXX XXXX ALSO KNOWN AS XXXX XXXX GENERATIONAL IDENTIFIER I have not gone by any name variation other than XXXX XXXX My middle initial is : XXXX This is my government name.I have never been married. The hyphenated name stems from mother and fathers last names combinedThis is my follow up to my unresolved investigation. XXXX has been reporting inaccurate information and violated my rights according to ; 15US code and 1681S2 Responsibilities of furniture of information to consumer reporting agencies ( A ) Duties of furniture of information to provide accurate information ( XXXX ) Reporting Information with actual Knowledge of errors this away not to have to pay off Any information relating to a customer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is accurate In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

Personal information 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 a Account with 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 averse item of information other than records of conviction of crime which antedates the report by more than XXXX  years. 


15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate
Product: Debt collection

For a few years my identity was stolen. I discovered this because the franchise tax board notified me that my SSN was being used. I discovered that accounts were opened in my name taxes were filed. The account was opened at a residence that I have never lived. 
I filed an ID Theft Report copies were sent to XXXX credit bureaus on XXXX 2016.
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS LOST DURING MY TAXPREPARER RELOCATING. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I HAVE NOT AUTHORIZED. I CALLED AND MAILED LETTERS TO EACH BUREAU NOTIFYING THEM OF THE FRAUDULENT ACCOUNTS WITH NO FORMAL RESPONSE. 

I HAVE NOT GIVEN WRITTEN CONSENT FOR ANY OF THIS INFORMATION TO BE FURNISHED TO MY ACCOUNT WHICH IS IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS DUE TO IDENTITY THEFT IS ALSO IN VIOLATION OF 15 USC 1681 C-2