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

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 

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 or other personal consumer reports

I have filed a dispute with XXXX. There is an account on my credit report from MIDLAND CREDIT MANAGEMENT on behalf of XXXX XXXX  that is 9 months old in the amount of {$900.00}. In 2023 I was studying abroad in XXXX ( XXXX, XXXX ) as part of FIUs study abroad program. There is no way this account belongs to me as I did not apply for any credit in XX/XX/year>. Nor did I receive any. I also have paid off all my creditors from the past. This information needs to be removed as flagged as identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX I applied for a checking account with XXXX XXXX. They denied the opening of a new account based on a report provided by Early Warning Services and  directed me to the company website ( e.g. earlywarning.com ). 

The company HAS NO METHOD OF ACCESSING A CONSUMER REPORT ONLINE. They require a mailed letter XXXX it's XXXX-come on people ) with which I printed, filled out, and mailed in. I received notification that they were missing a form of identification which I promptly submitted via their web form ( with the original application id entered into the submission form ). 

I received an automated response that I must submit a form to receive my credit report -- what the XXXX I already did this?
Product: Student loan

Nelnet/department continues to report to the XXXX  and XXXX report. 
I place on the record under exclusive equity. Expressing XXXX. 

All documentation and application that was provided by corporations such as the promissory note and any other documents presented to me that I have completed or signed were created by an attorney. Creation of a documentation is the practice of law, the usage of the documents is authorized practice of law when it's corps to corps. Anything out of that realm is not legal. I am not a corporation. The legal decendant estate, principal/debtor known as " XXXX XXXX XXXX XXXX not me nor my name. I am a natural woman. I am the implied surety. I am bringing this claim against all parties that are engaging in misconduct and exercise of franchise. A corporation can not engage in the practice of law, by Nelnet and other corporations involved in this transaction is indirectly unauthorized practice of law. Remove your 5 XXXX  immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called back in XX/XX/XXXX in the month of XXXX, XXXX I was advised to call the owner and I have called and sent certified letters and as of today 's date no response to any calls and or letters. I mailed the last certified letter back in XX/XX/XXXX and no response to anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved an updated credit report from Equifax today XX/XX/XXXX as the result of a dispute I submitted recently. 

The report # XXXX indicated that the fradulent inquiries were removed : XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX On the very copy of the report that they sent to me it shows currently still on the report. 

I have included copies of the documents they sent.
Product: Checking or savings account

Two fraudulent ACH withdrawals from my business checking account by Self Lender Inc. as follows : XX/XX/2022 Self Lender Inc. took {$9.00} from my XXXX General account XX/XX/2022 Self Lender Inc. took {$1600.00} from the same account.

Calls to Self Lender Inc. are not returned Emails are replied by a XXXX saying they will look into it but no further response is forthcoming. 

I contacted the Fraud Dept. at XXXX and reported the transactions and they are researching the company. 

I've never heard of this company and did NOT authorize this company to ACH funds from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying without any success to update my personal information such as my address information and Transunion has failed to maintain accurate and true information regarding my personal information. I have attached the original certified letter mailed and delivered on XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX. I have spent money and time trying to correct this and I hope they will listen to CFPB. I would like them to correct this and update the information once and for all. Thank you.
Product: Credit reporting or other personal consumer reports

FILE TRACKING # XXXX # XXXX Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pictures of proof included XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  : REPORTING PAYMENT HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR TRANSUNION
Product: Debt collection

I was contacted by XXXX XXXX with Common Wealth Fin. Systems regarding a debt from XXXX 2009. I undated all of my information with her and verified all she asked. I then asked questions, what XXXX was I seen in, what doctor treated me, etc. She stated she could only provide the information through email. I told her I only had a work email and could not proved it and asked how could I get the information I needed to verify I owed the debt. She repeated only through email and I once again explained I could not provide my work email for this matter. She began to get irritated with me and told me I was being ridiculous, and created an email only took two minutes. I told her not to speak to me that way and explained I was trying to help and get this matter resolved. She then hung up on me. I called the company back and was transferred to her. I told her who I was and why I was calling and without speaking, she hung up on me again.
Product: Debt collection

they called me and told about XXXX debt for XXXX and I told them I've never had a mobile account then I tried to dispute it source receivables mng
Product: Checking or savings account

My account in Wells Fargo bank was charged without any authorization by XXXX XXXX XXXX. every month since XX/XX/2019. I reported to Wells Fargo, ( claim XXXX ) and WF bank did not refund that non authrized charges completely for all money that was withdraw by XXXX XXXX. ( {$130.00} per month ) Very unuzhuall responds for that fraud action. They, WF bank sent me letter and stated that they only responsible for 609 days back from " the statement ''??? 
Pls help me
Product: Debt collection

I received a letter from American Coradius International LLC stating that I owed XXXX {$300.00}. I have never had a XXXX account. I have never used XXXX or even tried to go to their website. Also, it is my understanding that XXXX is not in the business of extending credit, but rather a go between for making online purchases. Therefore, this letter in my opinion is an obvious scam. Either intended to get money directly, or to get me to call their number so they can then record my voice to further commit frauds against me. 

The letter says to send checks to : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, NY XXXX The letter states that calls to or from may be monitored or recorded.
Product: Debt collection

I have sent request for validation of debt. I have a certified mail receipt. Company has failed to respond in accordance to FDCPA guidelines. I have demanded the removal of the item with still no response. I would like the item removed immediatly.
Product: Credit card or prepaid card

My  Citibank Master  card ending in  XXXX  was used for a purchase on  XXXX   XXXX  on   XXXX / XXXX /17 for  a flight from  XXXX  to  Puerto Rico  by  XXXX   XXXX  for  XXXX . I am not this individual or know anyone by this name. I did not authorize or have any knowledge of this purchase. I found it on a routine check of my balance about one week later. I reported this to Mastercard and they closed the account. However, I have not been give credit for this fraudulent charge. I was given a " provisional credit '' and then  Mastercard  revered the credit by recharging the  XXXX  to my account. I have called  Citibank Mastercard  5 times and told that this would be resolved. It remains on my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to send dispute results and is reporting the following items inaccurately XXXX see below ). This violates the FCRA. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

I have included information to update my address. 

ACCOUNTS XXXX XXXX not mine XXXX  XXXX XXXX not mine USD/XXXX  XXXX not mine XXXX XXXX XXXX XXXX {$110.00} not mine XXXX  XXXX/XXXX  XXXX {$380.00} not mine XXXX  XXXX/XXXX  XXXX {$490.00} not mine
Product: Checking or savings account

I am filing a second complaint against Charles Schwab as the first one was not resolved as the company assured me it was. My social was used to wrongfully open three accounts through Charles Schwab. I have called and reported this more than five times and I was assured over and over that it was taken care of but the accounts were close that I would no longer receive communication yet here I am still receiving letters in the mail from them. Including today. First, I have massive concerns with their XXXX  procedure. the fact that someone could even open an account with such little data. Secondly, I have massive concerns that Ive been reporting fraud for a year now and its still not been resolved. Thirdly, I have asked the company to stop contacting me after I told them about this fraud yet they still continue to do so, I need this resolved. I never wan na be contacted by this company again yet I cant seem to get these accounts clothes that were open fraudulently. I have never and certainly now will never have an account with this company. I want every single account to close and I want to never hear from this company again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive made several attempts to correct incorrect address on credit report but cant get this rectified Under 15 U.S. Code 1679c Name is spelled incorrectly several times on personal information Several addresses not associated with myself
Product: Money transfer, virtual currency, or money service

I purchased a business on XX/XX/XXXX. The business had two bank accounts with Huntington Bank, and two Automatic transfers that the previous owner had set up to pay a land contract and inventory loan from these accounts. I entered Huntington branches 5 separate times between XX/XX/XXXX and XX/XX/XXXX attempting to cancel the transfer. Each time I was assured it was cancelled, but on the transfer date, the money would still come out of the account. On the latest visit, I even made sure to get a letter signed from a bank employee stating the transfers were cancelled. They still occurred. At this point I've lost {$13000.00} to these transfers, and I'm now having difficulty collecting it from the individuals it was sent to. I had to close both accounts at Huntington, because that's the only way I knew I would be able to make sure the transfers didn't continue to happen. Huntington has done nothing to indemnify me for these losses, and has offered no assistance. 

I've highlighted the unauthorized transfers on the attached statements and included the letter from my final visit.
Product: Debt collection

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 Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

XXXX XXXX Account XXXX I disputed the account on numerous occasions and it came back verified and I want to know how can can something come back verified when not even the open and closed date of it are being reported right. 

Experian is violation my consumer right under the FCRA according to : 15 USC 1681, I have the right to privacy and USC 1681-2 A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors, A person shall not furnish information relating to a consumer to any consumer reporting agency if -- -- - ( I ) The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( II ) The information is, in fact inaccurate I can go on and on showing blatant violations for the reporting agency ....
Product: Debt collection

On XX/XX/XXXX, I decided to open a new account with a new phone service provider. I chose XXXX. I signed up and was approved and settled for a XXXX  XXXX. I paid a activation fee of {$60.00} and a few days later revived a order number for the phone. A few days pass, and no phone arrives on the predicted date of delivery. I decided to wait it out just in case there was a delay in delivery. However a few weeks later I receive a letter for the first month of the phone bill. At this point I paid {$60.00} and had not received a single service, a phone, or anything from XXXX besides the order number. I decide to call XXXX  and let them know I still hadnt received a phone number or phone. I was informed that I would have to go into the actual store to continue the process of opening an account and that I would not be charged until doing so for security reasons. I decided to just let the account close on its own as I was told I would not be charged. A few months pass, and in XX/XX/XXXX I receive a bill for {$250.00} saying I owe past due amounts for something I never received and a service I never had. I called XXXX again and was informed that I had no balance on their end. So I let it go again. On XX/XX/XXXX I received a bill for {$870.00}. At this point Im livid as I had been constantly told I had nothing to pay considering I never received a product or service. I go into the actual XXXX store and they tell me the same thing except that the account was closed this time and that there was no remaining balance. Now as of XX/XX/XXXX, the bill for {$870.00} was added to my credit report and has affected my credit score. I received notice that the bill was turned over to a collection agency which is very upsetting as I have never received a product or service but I am expected to pay {$870.00}.
Product: Mortgage

Back in XXXX XXXX Nation Star Mortgage sent me documentation indicating that they were my new mortgage lender. Prior to this I had been working with XXXX XXXX XXXX. I had not been notified that XXXX XXXX XXXX would not be my mortgage lender anymore. XXXX XXXX I entered into a Trial Period agreement with Nation Star. My monthly payments were {$460.00} for 3 months. I made my payments on time. I had paid my monthly payments up to XXXX XXXX. Around the time I was on the trail agreement I contacted Nation Star to inform them that I wanted to do a short-sale on my property. Per the representative I had to be delinquent on my monthly payments. This is when I stopped making my payments. I however did keep in touch with Nation Star & again was told that I was n't delinquent with my loan. Prior to this issue with Nation Star I had been working with XXXX, a mortgage agency in attempt to pay back Nation Star. I filed for XXXX. I was later denied by XXXX due to the fact that I had applied for a short-sale. By XXXX XXXX, XXXX I was laid off from a job that I had been at for almost 8 years. I started a new job in XXXX XXXX. I am currently still working.
Product: Mortgage

I am XXXX and I'm a veteran. Since XX/XX/XXXX, I was denied a loan modification, I was told om today XX/XX/XXXX that a loan modification was approved and the new mortgage payment will be over {$700.00}. This amount to high for me to pay and it does not allow for any emergencies. 

Now Bank of America is the problem since they never would approve an modification until now. They said my XX/XX/XXXX taxes " looked funny '' and that's why I was never approved. XXXX XXXX  from Bank of America had been helping me but its apparent that his loyalty is to Bank of America and not me, the mortgage payment needs to be no more than {$600.00}, That's only fair since to was Bank of America 's fault. 

Please help.
Product: Credit reporting, credit repair services, 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 U.S.C. 1681. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Dept of Ed/XXXX XXXX XXXXXXXX, Dept of Ed/XXXX XXXX XXXXXXXX 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It Also states a consumer reporting agency can not furnish an account without my written instructions.

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. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I sent a letter to the company requesting the investigation of all delinquency data and information that they provide to the credit bureaus XXXX, XXXX, and XXXX. I also requested the deletion of the inaccurate information and updated results. I specifically requested investigation into a Public Record that they are falsely reporting to the bureaus. The Court of Record provided a letter stating that they do not report information to any third parties, so LexisNexis is reporting alleged and inaccurate information, damaging my reputation and credit profile. I've attached the letter to LexisNexis and the tracking information of the letter that they received on XX/XX/year>. LexisNexis has failed to delete the information, freeze my file, and update me, violating federal laws of XXXX, FCDPA, FCRA, and etc.
Product: Bank account or service

I had a business agreement with a lawyer. I signed a fee agreement for {$2000.00} and gave them my debit card number and the agreement was to call them every Friday and authorize a {$200.00} payment. I did that every week until the entire fee was paid. A XXXX after our relationship ended, the lawyers office debited another {$400.00} and then sent me a text stating that they did this. This was an unauthorized transaction and I immediately stated this to the secretary. I asked her to reverse the debit charge and in turn she sent me another fee agreement and told me she would reverse the charge if I signed the new fee agreement for another {$3000.00} of which I did not owe. I asked her for a detail of the charges that she was telling me I still owed the attorney and she never provided me with anything. I sent the attorneys office a letter and again asked that they provide me with an accounting of the fees and return my {$400.00}, They never responded. I contacted TD bank and told them I wanted to dispute the unauthorized charge and they told me I had to wait until the debit posted to my account. I waited until it posted and called the bank back and they put the dispute in. TD bank never contacted me for any type of investigation and then I received a letter from TD bank stating that the charge wa valid. I again went into the TD bank branch and explained to them that this was an unauthorized charge and I wanted to dispute this charge because as far as I wwas concerned, the secretary at the attorneys office took my {$400.00} and would n't provide me with any accounting and this was an unauthorized charge and the bank told me we are sorry but there is nothing we can do for you. I explained that I am your customer and you are supposed to protect me and my money and you allowed this business to take my {$400.00} AND THEN WHEN I ASKED TO DISPUTE IT, YOU TELL ME THERE NOTHING YOU CAN DO FOR ME.