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

This is several times I have found inaccurate ACCOUNT on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX : {$15000.00}.
Product: Student loan

I actually attended XXXX career institute in XXXX XXXX, MI from XXXX to XXXX. My school was XXXX down after coming under federal scrutiny for fraud, falsifying tuition, grades, and falsifying the promoise to help students find a job. They did not even help me attain my state license. Now I am close to XXXX in debt. Navient solutions currently is trying to collect on my student lloan, however after reading the information on the site it has come to my attention they may be doing more harm than good. XXXX other students had their loans forgiven after attending my school under XXXX colleges. My complaint is that mine have not been forgiven and that XXXX or navient may be charging me more than i need to pay. My school is no longer recognized, not even in your list of schools on site. I do not feel i should have to pay so much and keep falling into debt for an education that is hardly recognized by employers. As a matter of fact most people who attended this school have difficulty finding jobs. That is my complaint. I am getting overcharged for school tuition for a school that the government shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX TRIDENT ASST ( Original Creditor : 08 XXXX XXXX  XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Company has reported acct late and it is affecting my credit. I was never late because there was no payment ever due for the accts. I have contacted company to delete the late payment reports but they refuse to. The transactions are inaccurate because I was never late on the accts. 

XX/XX/year>, XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX card inquires on XX/XX/XXXX and XX/XX/XXXX XXXX card inquiries on XX/XX/XXXX and XX/XX/XXXX Equifax mortgage services inquiry on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or Experian such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted Experian, XXXX, XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX XXXX XXXX, XX/XX/XXXX of listed late payment XXXX. XXXX XXXX XXXX of XX/XX/XXXX, listed late payment Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation.
Product: Credit card or prepaid card

This started in XX/XX/XXXX when Sears alerted me to high value charges. Since then there has been multiple communication with Sears Credit Card Fraud Department since this date both in writing and over the phone including Today. Sears Cred Card Company currently claims I owe over {$3800.00} in fraudulent charges to them that I never made and have reported this to the credit bureaus even though according to my records Sears Credit Card Company owes me money since I have paid off everything that I charged to the account. They are trying to claim these charges are mine when the paperwork that they sent to me from XXXX showed an XXXX XXXX made these purchases and was shipping them to my address but was taking the packages off of my porch prior to me getting home since this XXXX XXXX knew I am gone at least 10 - 11 hours a day. This XXXX XXXX and not me is the one responsible for these charges. Despite alerting me to these fraudulent charges, Sears Credit Card Company was doing nothing but giving me the run around by saying different things such as the investigation is still open then it is closed then it is still open. Sears Credit Card Company has failed to give me a detailed explanation as to why I am responsible for  these charges when an XXXX XXXX made these purchases and swiping the items from my porch area prior to me getting home. I was not aware of these charges until after Sears notified me. Starting prior to this time period and up until XX/XX/XXXX, when this XXXX XXXX was shot to death due to him stealing from a XXXX in XXXX, AZ, he has a long history of theft. XXXX XXXX took advantage of my kindness, took my credit card number and wrote it down, possibly while I was asleep since I am hard of hearing and do not always have my hearing aides on, and recorded this information on his XXXX, XXXX, and XXXX accounts. Sears has failed to remove these fraudulent charges and is trying to get me to pay the $ 3800+ balance and reporting this information to the credit bureaus when it is clearly evident this XXXX XXXX was the one who made the purchases. I expect Sears Credit Card Company to remove these fraudulent charges from my account along with paying me back the money that I have overpaid to them. I have included what is my charges and the amount that I paid. Everything is not me.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I made a wire transfer to the person name XXXX XXXX XXXX {$48000.00} Routing XXXX, account number XXXX. On XX/XX/22 another wire transferred {$14000.00} to the same person & same account number. That persons address XXXX XXXX XXXX XXXX XXXX Tx XXXX.
Product: Debt collection

Credence Resource Management did not notify about debt. they added debt to my credit profile without proper notifications or verification
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to multiple unauthorized inquiries on my credit reports that I did not approve or authorize. These inquiries have appeared without my consent, and despite my repeated eorts to have them removed, the credit bureaus have failed to act. My disputes have been blatantly ignored or dismissed without any proper investigation, allowing these fraudulent entries to continue damaging my credit score. This is completely unacceptable, and these inquiries are in no way a result of any action Ive taken. 

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: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my recent credit report, I noticed an inquiry from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report. 

If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history. 

Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally. 

I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I got a text from Wells Fargo saying a transfer was trying to go through and if I did not do it please call and listed a number. Just as I try to call I get a call from Whomrepresented himself as XXXX XXXX XXXX. I said how do I know that and he said look at the number I called you from and see that it matches the phone number on back of my debit card. It did. He said this fraud is trying to go through a XXXX party and he needs to stop it before XXXX that night but needs me to help. He got info from me and sent XXXX XXXX from my account {$9800.00} and sent a wire transfer @ XXXX to a XXXX account # XXXX XXXX XXXX. 
He said he would call me back next day to see how investigation is going and he did. Then he said he would call again the next day but did not. I then happen to see photos on my phone that I did not take and they go back to XX/XX/XXXX this year. Then I see boarding passes in my digital wallet that are not mine. 
So I called XXXX and they said they did not know of any claim of fraud filed!!! So I filed one right then. Then went to XXXX XXXX XXXX XXXX Police dept to file a case ( # XXXX ) with XXXX XXXX XXXX ( XXXX. 
Then I went to Wells Fargo to close accounts and open new one and debit card ( XXXX and # XXXX ) and then I went to an XXXX store to see what happen on my phone. They said thbe criminal had put himself ( XXXX ) as an entrusted number on my phone. He also had put a different number ( XXXX ) to forward all of my calls to!! 
So I have a claim with XXXX supprtXXXX XXXX XXXX for XXXX {$9800.00} XXXX XXXX to get that money back Claim # XXXX. 
I can send the pictures from my phone to you if you want them. 
I need help to get the {$9800.00} and {$23000.00} back from Wells Fargo. They did not call me about such out of character activity on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

On XX/XX/2018, I called my PNC Bank Account, XXXX, followed the prompts, and heard that my balance was {$1.00}. That morning I did not use my Debit Card at all. By mid day, I walked up to the PNC ATM located on XXXX XXXX XXXX  XXXX, XXXX, FL XXXX, Telephone : ( XXXX ) XXXX ; made a {$300.00} cash deposit and the receipt reflected {$300.00} vs. {$300.00}. This is the second time I see money disappear when I look at an ATM Receipt. So, this time around I walked into the Branch and explained to XXXX ( an employee ) everything. She sat behind a computer and after 3 minutes or so, she said, " Oh, this computer is freezing. Let me try another computer. '' She walked into a private office, did not invite me, and after about one minute, I walked into that office, then she said, " They system keeps giving me an error sign. Let me give you a call once I find out why {$1.00} is not in your account. '' She said she'd call me later. Well, later turned out to be one or two DAYS later. I turned on my phone and there was a message. I simply saved it. Then, when I ran into her towards the end of the week, she said the missing fee was a MONTHLY fee. I found that to be extremely ODD because for the LONGEST time, I was NEVER charged a monthly fee because I was depositing OVER {$500.00} dollars. Then, they began to charge me {$5.00} because of some lie. And then XXXX says, " Oh, it was a monthly fee. '' And that's another lie because if it were a fee, there should have been a negative balance. And at the very bottom of the ledger attached ( if you see the figure ) It would have reflected {$1.00} vs. {$0.00}. With all sincerity, I perceive PNC Bank has duplicated 2 additional accounts with my identity, hidden my account again, and allowed illegal activity to take place. And the missing of {$1.00} was a TEST to see that if they wired ex amount of money a few days later, it would go into that duplicated account. That's what I think really occurred and I would like your Department to prevent this crime from occurring again. It's happened at least 2 others times where OVER {$200000.00} gets deposited ; and the idiots wants to make it seem " It's my money. I have access to it. '' And I have ZERO access to it. Then they want to transform my internal body to reflect " Spy. '' And I do NOT qualify to be a spy nor am I ANYONE 's spy. That's another crime in itself. Please have PNC shut down any other account with my identity ( XXXX ) ; and change their codes. I find it to be highly unlawful for my deposits to go into another person 's account who then wants to make it seem we're a team. I'm an independent Citizen with NO spy sister, tribe, and I am LEGAL in our country. So, please end this nonsense. Unmerge my account ; and enforce respect. Thank You, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX
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.

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 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 seven 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: Debt collection

On  XXXX  I rented a car from the  XXXX  at the  XXXX   XXXX , IA airport. I signed for all of the collision damage, personal effects, supplemental liability insurance. That night while parked the car was side-swiped with some paint damage. When I took it back to  XXXX , they saw on my receipt that I had the insurance and waived me along. Months later I started receiving calls about collecting a debt for that. I faxed the receipt that showed my signature in the insurance box and thought that was done. Now, just within the last few months I have been receiving calls and letters from the  TSI d ebt collection agency demanding  XXXX . I have kept the  XXXX  receipt all these years, thank goodness, and sent images via email to them . Thusfar I hav e not heard a response. I am very upset about this situation and would like to know what I can do.     Thank you.    XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a XXXX XXXX along with Police Report and EXPERIAN will not block or remove claiming that the debt is valid when it is because of identity theft. I also included my lawyers information they allowed the debt to remain based on NON-FACTUAL misquoting of section 605b of the FCRA and refuse to investigate. Therefor allowing inaccurate information to remain which has caused me a position in a major corporation due to the credit file being inaccurate. 

They claim which is not true : The request to block information was based on a material misrepresentation You have agreed in writing that the information was blocked in error You knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. 
If you still believe the item is the result of identity theft, you may provide us a dispute statement of up to 100 words for us to include in your credit report.
Product: Debt collection

TrueAccord made initial contact via email on XX/XX/XXXX, on behalf of XXXX XXXX, XXXX, regarding consumer debt they alleged was mine ( it was not ) and wanted me to pay. They made subsequent contacts via email on XX/XX/XXXX, XXXX, and XXXX, and as a result, I sent a letter via certified mail on XX/XX/XXXX, requesting an official debt validation within 15 days. TrueAccord did not respond to my request but continued making contact via email on XX/XX/XXXX, XXXX, and XXXX, XXXX ; XX/XX/XXXX, XXXX, XXXX, and XXXX, XXXX -- asking me to pay the debt. I sent a debt collection letter via certified mail on XX/XX/XXXX, officially requesting debt cancellation. 

I then received two debt collection letters in the mail on XX/XX/XXXX, from XXXX XXXX XXXX. They explained some of the debt -- including the original creditor origination date ( XXXX ). Having never opened a credit account with that creditor or at the alleged date, I submitted a message on XXXX 's website on XX/XX/XXXX, stating the inaccuracies of the debt and statute of limitations in Michigan ( 6 years ), and I requested that the debt be removed from my records. 

I received an additional debt collection letter on XX/XX/XXXX, from XXXX XXXX, XXXX, attempting to collect the same debt that TrueAccordXXXX XXXX, XXXX attempted to collect in XX/XX/XXXX. In this letter, XXXX XXXX indicated that XXXX XXXX XXXX was a parent company to XXXX XXXX and XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I rented a house. I paid my rent via Zelle every month. When I moved out, my landlord returned my deposit via Zelle. But I did not receive it. So I called my bank, XXXX XXXX XXXXXXXX. They said an investigation was needed but that only the sender could initiate. The sender ( my landlord ) called XXXX XXXX who confirmed that the payment looked like it was completed on their end so no investigation was necessary. So I called XXXX XXXX XXXXXXXX again, who connected me with Zelle. Zelle said there's nothing they can do and that I'd have to work with the banks. So I called XXXX XXXX again. They said there's nothing they can do without having the sender ( my landlord ) on the line. So I initiated a three-way call between XXXX XXXX , my landlord, and me. Eventually, we got to the bottom of what happened, but from start to finish, this whole process took four hours of my time. I feel incredibly fortunate that I was able to get my landlord on the phone and that he took the time to help, because from his perspective, his bank told him the payment went through successfully, and he could have just told me this was not his problem to deal with. In that case, with XXXX XXXX XXXX XXXX XXXX  and Zelle all being unwilling to help me, I would have simply been out {$1500.00}, which is not a small amount of money to me. I would like the CFPB to take action and force Zelle to offer a way to resolve issues like this on the recipient 's end without the active participation of the sender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed/charged off account that keeps reporting current late payments but the account status is closed. This is a direct violation of my consumer rights. This misleading information permits me from not getting anything positive in my name and this information is also violating the FCRA Laws. Experian is reporting false information about me and out of respect for my consumer rights this account should be removed immediately or litigation will be involved. This XXXX XXXX  account was closed on XX/XX/2016, and charged off. Why is Experian reporting late payments, this is definitely false information and violating the FCRA. The other bureaus deleted this account because of the violations.