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

I have requested corrections to my credit score due to inaccurate information listed on the Equifax website. I reported this issue multiple times between XXXX and XXXX. Despite my efforts to resolve this matter through customer service, no actions have been taken to address my concerns.
Product: Credit reporting or other personal consumer reports

I did not authorize the Experian to include any information on my report, which is a violation of the permissible purposes outlined in The Truth and Lending Act 15 U.S.C 1681B concerning reports. Additionally, this action raises concerns regarding compliance with the procedures stated in 15 U.S.C 1681E. Section 4 of 15 U.S.C 1681C is particularly relevant in this context.
Product: Checking or savings account

I was scammed for {$1000.00}. 

On the afternoon of XX/XX/2022 I had an interview with a company called XXXX. I believe that I was having a interview with a hiring manager XXXX XXXX and then I was hired for a job. On XX/XX/XXXX, The hiring manager sent me a check to get my equipment via XXXX  because the job was remote. I cashed the check putting it into my account and on XX/XX/2022 I was to send money via XXXX so I can get my equipment to start working for the company XXXX. I sent {$1000.00} to what I thought was a design team XXXX XXXX  to program my equipment and I was scammed for {$1000.00}. When I realized what happened I was devastated. I immediately called the bank and setup a dispute for the {$1000.00} Monday the XXXX, because I have been scammed and it wasnt a real job I was catfish by someone and {$1000.00} with zelled to someone and I have no idea who they are. Once they received the money the person stop responding. The teller on the dispute team was aware of what I had went through stating this had happened before and would put the dispute through today XX/XX/2022 I received a Correspondence stating that they denied my dispute in all my accounts have been closed. I dont know what to do. I need help with this I Sincerely thought I was getting a new job to help with me and my daughter finances and I was scammed and I shouldnt be penalized for it.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$480.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My new car has been paid on time every month since I purchased it. Its showing its 90days late when Ive never been 30days late on this car. My credit report is now showing 3+ months late, when I have previous credit reports and bank statements that show it has never been 30days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed the XXXX XXXX credit card account.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a decision of the following account. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and someone opened a checking account at XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX Acct # XXXX I disputed this with XXXX  XXXX XXXX and they said that since they didn't receive the original documents as I submitted my complaint online, that they ruled against me. I also filed a complaint with XXXX XXXX and they said that the information XXXX XXXX XXXX was deemed accurate. This is on my credit report as well as XXXX XXXX   report therefore preventing me from opening my own account. I have done all I could do and now there is no other option.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I took my nephew to Bank of America ( XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, NC XXXX ) to cash a check from ( insurance check ) a Bank of America account holder in the amount of {$7400.00}. 1st : he was told he need 2 forms of I'd ( he had his id ). He told the teller he had a birth certificate and his ss card. The teller tells him the 2nd form of id needed had to be a passport, credit card, or debit card. He didnt have none of the 3. 
2nd : I went inside the bank to see what was going on. When I gave the teller the debit card with his name on it and his Id she still refused to cash his check. 
3rd : I spoke with the manager on duty and asked her about cashing the check and she refused as well. 
4th : I ask if he sign the check and I sign the check could they cash it then ( I am an account holder ). The teller said they dont cash 3rd party checks. 
5th : the teller said she scanned his check but it wasn't signed. 
6th : the teller said it was over the limited to cash for a non account holder. 
7th : they even refused to call the insurance company to verify the check.
Product: Debt collection

I have been monitoring my credit report closely in attempts to better my financial situation. I noticed a NEW account that states it was Opened in XX/XX/2023. The company Midland Management is reporting an old account that to the best of my knowledge was closed as I attempted to make payments on this account over a year ago and the website ( XXXX ) stated my account was closed. I do not recall receiving any information regarding this account since then. I assumed the account was closed. They have recently added this as a collection with no notice. I have attempted to dispute this with the credit reporting agencies. I believe they are trying to RE-age this debt. Also I believe the total amount is incorrect.
Product: Credit reporting or other personal consumer reports

this account was supposed to be removed with all negative information and payment history when i file for bankruptcy, but it never was I disputed this account with the credit bureaus several times with supporting documents, but the bank keep send it back as accurate that's why I'm disputing it here to finally get it of my credit report. 
account # XXXX date opened -- XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing regarding two collection accounts that are inaccurately and inconsistently reported on my credit file. These discrepancies demonstrate clear evidence of reporting errors and inadequate investigation on your part.
Product: Mortgage

XXXX originated XXXX loans for this customer at time of purchase XXXX years ago and is currently servicing only the XXXX mortgage. The XXXX lien with loan number XXXX was sold to XXXX then to Aurora Loan Service which is no longer in business but their loans were transferred to Nation Star. I called Nation Star and they can not locate the loan at all. The customer has never had correspondence with the mortgage company and stated no payments were made on this mortgage. I would like to file a complaint against Nation Star Mortgage on the customer 's behalf and request that they release this XXXX mortgage lien.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : CITIBANK NAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Debt collection

I have a new phone number ( XXXX ) and apparently, the person that had the phone number before me owed a debt to " Allied Interstate ''. Allied Interstate called my phone and asked for this other person. I told them they had the wrong number. They asked if I knew this person and I said no, this is a new number and phone for me. I do not know this person. The caller from Allied Interstate proceeded to yell and scream at me, call me names and harass me saying that I was trying to run from this debt! I just hung up ... She called right back! I have no way to block this number, they are calling the wrong person and can continue to call and scream at me whenever they want ... This HAS to be illegal? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX 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 Balance : {$190.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Checking or savings account

On XX/XX/XXXX I received two emails, one right after the other, from Bank of America ( BOA ). One was that my online application was in progress and the next that I was approved. 

I never submitted for this account, XXXX XXXX XXXX I immediately sent emails asking why this occurred and never heard back. 

I do have 2 credit cards with BOA. I went in today, XX/XX/XXXX, and found that there is a an XXXX XXXX XXXX account listed, again which I never opened. It has a $ XXXX balance for a Monthly Maintenance Fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have writing several companies that pulled my personal credit without my permission or consent asking that they remove the unauthorized inquiries. I then contacted Equifax providing them with my Equifax Confirmation # XXXX and my social security number regarding the unauthorized pull of my personal credit information Equifax continued to disregard my request to block credit inquiries that were not authorized by me. 

1 ) XXXX XXXX XXXX. Date : XX/XX/2018 2 ) XXXX XXXX XXXX Date : XX/XX/2018 3 ) XXXX XXXX XXXX Date : XX/XX/XX/XX/2018 4 ) XXXX XXXX XXXX Date : XX/XX/2018 5 ) XXXX XXXX XXXX Date : XX/XX/2018 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instruction
Product: Credit reporting

My application for a " secured '' credit card was declined today because of false information on Experian credit report. Experian is reporting that a civil case in XXXX court from 2009 is still open and unpaid and the truth is the case is closed on the same date in 2009. I tried to order a copy of my credit report from Experian but they want my to send documents to prove who I am and they want me to pay {$20.00} for the credit report. I have n't been able to get a credit report in years as evidenced by the false information they are reporting since 2009, I am entitled to a free credit report, and my current address is the same address they used to provide false information on my credit report. I want my free credit report so I could address the false information experian is reporting, ther is no reason for them to charge me {$20.00}
Product: Credit reporting or other personal consumer reports

I did not consent, nor benefit from, or authorize any of the following Accounts : XXXX. XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX report furnished by XXXX. 
XXXX. XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX report furnished by Equifax. 
XXXX. XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX report furnished by XXXX XXXX XXXX. 


Pursuant to 15 USC 1681 ( a ) ( 4 ), there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Pursuant to 15 USC 1681 ( b ), you did not meet the needs of commerce because I do not find my consumer report to be fair, accurate and equitable to me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I have attached a copy of my report to this complaint on the following dates ( XX/XX/23 and XX/XX/23 ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$1100.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I already filed one complaint you let them duck out of. They never returned my money from closed checking. There never was a credit card involved because they never finished getting checking set up. But they reported me in collections for a credit card on my credit report, which is a crime in itself. They offer up every excuse/roadblock known to man yet you've already busted them as they continue to XXXX XXXX  and my credit report around. Meanwhile I just got awardes 100 % XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I'd like to thank you and XXXX for continuing to be part of the reason I can't get a home. Next holiday you'll all be faking a thank you to me
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I Leased a vehicle from Markosian Auto XXXX XXXX XXXX  XX/XX/XXXX. It had the option to buy the vehicle at the end of the XXXX  year lease. Which is exactly what I did. I was told that their financial company APG Financial of XXXX XXXX  would report my payments to All XXXX credit reporting companies. But they have NOT reported any of my payments since XX/XX/XXXX. On XX/XX/XXXX I made my last payment paying off the vehicle. I have the receipts for ALL of my payments. I want them to show my payment history on my credit reports to raise my credit score.
Product: Checking or savings account

I lost my chime card and reported it as lost or stolen. My card was used for three unauthorized charged and I made chime aware of the problem asap. Chime still wants me to be at fault for a fraudulent unauthorized transaction.
Product: Student loan

XXXX of the loans discover purchased in XXXX was never reported to my credit until XXXX XXXX. Also in XXXX XXXX I requested a debt verification per the law because of this discrepancy- they never responded or provided this to me which is a violation of law! They claim they never received it but I have proof of delivery certified receipt and tracking online that proves it was delivered to the address listed on the account. I have yet to receive any debt validation.
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 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Child Support of {$600.00} ( Court Ordered ). This amount is automatically deducted from paychecks every pay period. XXXX XXXX XXXX XXXX reports this account to CRA. I have been disputing the accuracy of this account for over 4 months multiple times. I have provided documentation including but not limited too : Paystubs ( 4 in total ), Copy of Order for {$600.00}, Copy of Payment Ledger from XXXX XXXX for this account, Copy of CHAT Transcript with XXXX XXXX substantiating my claims and more. CRA FAILS to update account accurately or when they do, the very next day they change it back. They are reporting FAILURE TO PAY, MORE THAN 120 DAYS LATE, Improper monthly payment requirement of {$2000.00}, Completely inaccurate Payment History for past 48 months. They FAIL to look at the documentation and just keep reporting something different each dispute. My rights under the FCRA require ACCURATE REPORTING, my rights under the FCRA require the CRA if they feel their is ANY DOUBT to the information being reported they MUST remove it. Being I have provided the COURT ORDER, COPIES OF MY PAYSTUBS, COPIES OF XXXX Records, and more they have more than sufficient information to have DOUBT if NOT EVEN CORRECT IT PROPERLY. With 4-5 disputes filed already, they make me file a NEW DISPUTE every time even though this has been the same problem from the beginning. They are clearly violating my rights under the FCRA in reporting information which CLEARLY inaccurate. I take my child support and my credit very seriously and I feel this is being done intentionally or being handled by someone who is NOT PROPERLY INVESTIGATING THE DISPUTE. Attached the complaint : LETTER to XXXX XXXXXXXX, COPIES OF CRA 'S inaccurate reporting, COPY of CHAT TRANSCRIPT with XXXX, COPY OF PAYMENT LEDGER to XXXX XXXX, PAYSTUBS showing the corresponding deductions, COPY of ORDER of $ XXXX/mo. ALL of this information has been provided to the CRA previously as well. All of this information is VERIFIABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX : XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$7900.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed these items numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX .... Date Opened XX/XX/2020 XXXX {$1000.00}