23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX credit card services is reporting my business account to my personal credit report which has tremendously affected my credit report. The credit card is for an LLC business account and should have never reported to any of my credit reports. That credit card has belonged to my LLC since XXXX with no late or missing payments. It has never been on my personal credit report till I viewed it this week XX/XX/XXXX. To is information has damaged my credit history and affected other credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and again XX/XX/XXXX, The Credit Bureaus stated that a Public record of a Bankruptcy on my XXXX  account number XXXX and reporting 2 Bankruptcies on my Transunion report account numbers XXXX and XXXX these public records are not be shown on my XXXX report. I have contacted of theses public record and the courts have provided me proof of not having any record in there system. Also they stated in letter that they don't provide information to the credit bureaus. 

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well. I have sent them certified letters on the dates listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to make an online payment to my car loan with XXXX XXXX because their system was not working properly despite multiple attempts. See the provided screenshot taken at the time of the incident. Consequently I was marked as a late payment for XX/XX/XXXX.

PLEASE NOTE : The XXXX data are reported one month behind, therefore this inaccuracy is shown as XX/XX/XXXX instead, while the XXXX and TRANSUNION show XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Paypal 's website states that money transferred can be accessed immediately, but this has not been my experience. On more than one occasion, the money is held for as long as 60 days. Today 's transaction is now being held for 30 days, when it's an emergency situation trying to get money to a friend for food.
Product: Debt collection

ATTENTION TO IC SYSTEMS ( XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$940.00} does not belong to me. This account was fraudulently opened through this company IC SYSTEMS ( XXXX XXXX XXXX ) in XXXX of 2021 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter regarding incorrect information on my Equifax credit report. On XX/XX/XXXX, I contacted Equifax to dispute the accuracy of certain entries on my credit report. Despite my efforts to resolve this issue, I have not received a response from Equifax as of the date of this letter. 
The details of the inaccurate information and the necessary corrections are as follows : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please remove this account from my credit report, as it does not belong to me. 
Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit card or prepaid card

Citibank all in one day notified me for the first and only time of a return payment, requested a replacement payment which ( I paid the same day I was notified, ) and closed my account without notifying me all in the same day. The only reason why I know my account was closed as I tried to make a transaction and the transaction was denied. I later received a letter XXXX days advising me that my account had been closed. The said return payment was also XXXX to XXXX  days from when it had been returned. I find it very distressing but they put priority in closing your account with zero notice not even an email, yeah they take their sweet time notifying you that there's a problem or giving you an opportunity to fix it and even when you do they still close your account without even notifying you. 

I also find their outsourced customer service centers in the XXXX and XXXX to be less than helpful and even within the XXXX XXXX they transfer you back-and-forth and give you no resolution. I think they're hoping the customers will just give up. 

As of this date they are actually zero return payments if you take in consideration the replacement payment they asked for as soon as they got it and I continue to pay more than the required on a closed account but I can not longer access. And now I have severe damage to my credit report because it shows an account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to have equifax remove the incorrect information on my credit report and ask them how the verified the information they have. They have yet to provide me any information and still are posting the incorrect information. 
The Credit bereaus never did a proper " investigation " according to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this Also, they have violated my rights even more. 

In accordance with the fair credit reporting, everything has to be 100 % accurate on my credit report. 

The Credit bereaus stated my account was properly investigation but how is that possible if the open is inaccurate, the date last active is inaccurate and the last reported is inaccurate. This is ground for removal. 

They also violated the law because according to 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. 


I did not give anyone written instructions
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Chex Systems , Inc . 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Subject : Request for Verification of Disputed Accounts Dear Chexsystem, I am writing to formally dispute the accuracy of the information reported on my credit report concerning the following accounts associated with my name and Social Security Number ( XXXX ). I am requesting verification of the reported accounts, as I do not believe these entries are accurate. 

XXXX. Account from XXXX XXXX XXXX  - Reported Name : XXXX XXXX - Reported Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX - Date of Closure : XX/XX/XXXX - XXXX # : XXXX / XXXX - Status : Unpaid I request that you provide proof of the debts, including but not limited to account statements, payment history, and any other documentation that substantiates the validity of these accounts. Under the Fair Credit Reporting Act, I have the right to dispute inaccurate information, and I ask that you investigate this matter thoroughly. 

Please provide me with the documentation within 14 days as required by law. If the accounts can not be verified, I request that they be removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Mortgage

I've done everything that was asked to get help from my lender due to my permanent XXXX  hardship. I have applied for a loan modification and a short sale but keep getting denied. I am permanently XXXX and waiting for my XXXX case to get approved for income from the State of Louisiana. I am now requesting from PennyMac that the XX/XX/XXXX foreclosure sale date be postponed for at least 30 days and my short sale get approved. I have done the necessary protocol by getting a realtor to help me sell my home. Due to the XXXX XXXX  and prepping the home for the market there was a slight delay. We submitted a full price offer that was over the acceptable net amount given by PennyMac, and they are now refusing the offer and will not stop the foreclosure date. We have a strong, Conventional loan buyer who is currently going to the sale process with his lender. We will be ready to close the sale shortly. All paperwork has been submitted for a few weeks now, and PennyMac is refusing to give time and postpone the foreclosure date while reviewing the documents. Each time I call I am told something different by each representative. I was first told by a PennyMac loss mitigation representative that if I submit an offer which meets the required net amount then a short sale would be reviewed for approval. 
I have gone back and forth with PennyMac for a few months now trying to get them to work with me and my health hardship. I began to miss a few payments due to many XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I applied for XXXX, and I have a pending case with the State of Louisiana which will give me income to better my life. Back in XXXX XXXX  I applied for a loan modification and was denied. I also submitted a purchase contract for a previous buyer around XX/XX/year> for {$160000.00} but PennyMac also declined this offer. I did not receive letters in mail to let me know that they would seize my property until the sheriff showed up. I was told by PennyMac that I do not qualify for any assistance, even with my XXXX and they are refusing me any kind of help. 
Thank you for taking the time out to review.
Product: Credit reporting or other personal consumer reports

EXPERIAN : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Re : Dispute of Fraudulent Accounts Due to Identity Theft Request for Removal Within XXXX Days Dear EXPERIAN, I am writing to dispute fraudulent accounts appearing on my credit report, as I am a victim of identity theft. Under 15 U.S.C. 1681c-2 ( Section 605B ) of the Fair Credit Reporting Act ( FCRA ), you are required to block and remove information resulting from identity theft within XXXX business days of receiving this request, along with supporting documentation. Below is a list of fraudulent accounts that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOUNT NUMBER ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER ( XXXX ) To comply with Section 605B, I have provided the following required documentation : Identity Theft Report : Filed with the Federal Trade Commission ( FTC ).

Proof of Identity : Copy of my government-issued ID and Social Security card .

Proof of Address : [ bank statement. ] To comply with Section 605B, I have provided the following required documentation : I demand that these accounts be blocked and removed from my credit report within XXXX business days, as required by law. Please confirm in writing when this action has been completed. Failure to comply with this timeline will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any other legal remedies available to me. 

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

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX , XXXX, XXXX XXXX, XXXX , XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX Balance : {$270.00}
Product: Credit reporting or other personal consumer reports

These accounts dont belong to me and need to. XXXX removed by law
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX XXXXXXXX XXXX XXXX  has been reporting late payments on my credit report. Until XX/XX/XXXX they reported up to 120 days late. Suddenly in XX/XX/XXXX my payments are on time. I've never made more than my normal payments. When questioning them on these late payments they had sent me a letter for a mortgage that isn't even mine. They are reporting late payments on my mortgage from a mortgage that isn't even mine.
Product: Checking or savings account

I had Fraud charges on my debit card starting XX/XX/XXXX. I was notified by chase bank at XXXX that I had a suspected fraud charge on my account of XXXX. I immediately texted back that the charge was not me. I received a phone call from XXXX XX/XX/XXXX XXXX XXXX INCOMING XXXX Peak 28 minutes. We closed my card immediately and we also shut down the chase app from my XXXX XXXX and he said not to access it for 24hrs. He also asked if I have XXXX XXXX and I said no because I have a XXXX XXXX. He removed all the information from XXXX XXXX and proceeded to tell me that there was a second number on the account that was not mine. 
Starting XX/XX/XXXX I called the Fraud department and changed all my account information and also went through all the charges that were not mine. 
XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX WI Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX WI Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX WI Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX WI Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX  WI Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX WI Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX - XXXX XXXX WI Card  XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX - XXXX XXXX WI Card XXXX As you can see the last two charges are on a card ending in XXXX which is the new card they must of issued me after I closed my previous account. The chase claim is XXXX. I also filed a police report case # XXXX. 
They reversed all the charges and I have received a notice that they have researched the charges and they are authorized and correct and they will be taking back the credit of XXXX.
Product: Debt collection

XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX The above medical debts were recorded on my XXXX, XXXX & XXXX credit Bureau In the year XXXX. I reconciled my debts when I received my Income Taxes .I decided to retain an attorney thru XXXX XXXX XXXX XXXX   XXXX XXXX challenge XXXX XXXX XXXX XXXX with An intervention using Legal Action for a Validation Demand on all credit Bureaus. 
They were required to remove them immediately. 
Removal date was XXXX. XXXX. With total disregard of the Law and my Consumer Rights they Sold the debts to Phoenix Financial Services. Phoenix entered the same debts in XXXX and XXXX XXXX. 
I have discussed this with them numerous times about the Legal Action. 
I have not been able to rent a place much less buy a car on credit since XXXX. 
Please can u do something about it perminatly. 
Thank you
Product: Checking or savings account

On the date of the XXXX, of XXXX, 2022, I noticed that I didn't have my phone. When I'm off work I really don't care about my phone because everyone is home on the weekends. Anyways when alerting the bank of me losing my card, and going into the bank I was told that my account was on FREEZE, due to suspicious activity, then the clerk goes onto to give me a new card but comes from the printer with all these papers of how all this BOGUS checks were deposited and transferred out of my account and that my account was to be looked at by security. Now me thinking they would alert me of this, they did but I didn't get them because my phone was Stolen.

So my claim was DENIED I received a call from BECU 's security accusing me of leaving my phone unlocked with all my information on it. The reason I leave my phone unlocked is due to having Congestive XXXX XXXX, and last time my XXXX XXXX was near fatal and me being a single mother with XXXX children my kids didn't have the information to give the First Responders other than my sister 's phone and with her being a Nurse can't pick up right away, and it be a Fatal situation. So after me explaining to her ( BECU XXXX ) that she goes to smack her lips and asks, your phone was misplaced, are you sure you didn't write a report saying your car was broken into?, I advised her no my case number is XXXX from XXXX XXXX, nowhere in my report is stated a car being broken into. so she's lying. Then she goes on to say that the claim has been denied and they Zeroed out all accounts leaving me no money in my accounts, mind you I have XXXX children and take care of an additional XXXX for my sister while she works, glad I have credit cards because it seems BECU think I'm in on it. I REALLY hate that they view me as such, but with the scammers having my information I'm to suffer. My information is no longer on my phone as I have deleted all private information and put my information needed for First Responders in a safe area my son knows.
Product: Student loan

Citi student loan was sold to a government loan. It has been 7 years since XXXX/XXXX/2009 I disputed this to be taken off my credit report with all the credit report agencies. Instead of removing this old account that is 7 yrs old which is a violation of the fair credit act. That 's suppose to protect consumers. The reporting agencies made it like it was a new account and just said I was disputing the item. It had been closed for 7 yrs. now since they did that it made my score on XXXX, XXXX, and XXXX go down XXXX points or more. Please help me to remove this account from my credit reports so I van continue to work building my good standing credit with no late payments. Thank you for your help on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Business Card that I had and that was reported on my Credit File in addition to the Business Credit File whom had the primary responsibility to pay. Was paid in full after more than 2 years of on time payments. 
I complain about being in my report as paid and closed, being paid in full in addition to performing as previously said and now appears as closed in a derogatory status after paying in full and more than 2 years of having paid on time as I can see in the last two years of information. 

Paying in full for more than 24 months in a row and closing never means closed derogatory. 

The account was late once in the payment for less than 30 days from the payment date and responsibility the bank that submited the wire to pay from the business account. Was explained to the Capital One Bank and you mark my personal report as closed in a derogatory status when nothing was owed for more than 24 months?
Product: Bank account or service

On XXXX/XXXX/XXXX I opened up an account at the US bank XXXX location when opening the account the branch manager XXXX helped set me up an account I was asked for my current proof of address I showed her my temporary valid Oregon driver 's license & a decree from the court for my name change she said that was okay & proceed to open up my account & everything was okay until 2 days later on XXXX/XXXX/XXXX I missed a call from the bank I returned the call & got transferred to the branch manager XXXX she then told me to bring in a proof of address I told her that my id has my current mailing address on it she told me to bring in a document after I had already showed her proof when opening my account the same day I brought in the document at her request XXXX/XXXX/XXXX I got another call from the bank manager asking me to bring in another document that has my name & proof of address again I told XXXX that I have already gave her several documents of my personal information & that its difficult for me to come in to bring in documents being that I have a XXXX & do not have access to a computer at that time she went on to tell me I have to bring in what she has asked for because my account will have a hold on it on XXXX/XXXX/XXXX I bring in the documents that XXXX asked for the very next day she made it difficult for me to use more then a XXXX for daily purchase 's & I tried using my atm card on XXXX/XXXX/XXXX & it would not let me access my funds I asked can I come into the bank & withdraw small amounts of my money per day until all is taking out she told me she has to order the money from the bank & that it would take 1 week I am being profiled with my own money I have tried calling district manager 's & other managers from other locations & still no one can help me no one has called me I look into this matter yet I also have proof that I emailed the bank manager XXXX & she never sent me a reply & the message was sent successfully Thank You.