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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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
Product: Debt collection

Company is trying to collect debt thats past the California statute of limitations. Multiple daily calls on my work, personal, and house phone and using scare tactics including making threatening statements that law enforcements will come and arrest debt owner if no action is made immediately. They are harassing calls every day and refusing to provide proof. If phone is not answers. They are refusing to leave a message. They are also using multiple phone numbers using similar area codes and close numbers to our personal phone numbers. 

A disputed has been filed with two credit reporting agencies including XXXX and XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently bought the 3-1 credit report from 3 major credit bureaus and see on the XXXX, my personal address has been changed to another address according to my report and also that over 8 credit cards have been opened with a false address on the XXXX.. Tried contacting XXXX about but cant get to a live person regarding this matter upon trying to lock my credit with XXXX doesnt let me cause reported address has been changed. With transunion report of 1 false credit report and XXXX showing 3 false credit reports. All the inquiries span of the dates of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all these have more then one application for a credit card opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian, and after receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last request and hoping that these accounts listed below lates will be removed and updated in my file. 
DEPT OF EDUCATIONXXXX XXXX Balance : {$10000.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX : {$9300.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX XXXX {$1100.00} ; DEPT OF EDUCATION/XXXX  XXXX Balance : {$3000.00} XXXX DEPT OF EDUCATION/XXXX XXXX Balance : {$1900.00} ; DEPT OF EDUCATION/XXXX  XXXX Balance : {$5900.00} ; DEPT OF EDUCATION/XXXX XXXX Balance : {$5800.00} ; DEPT OF EDUCATION/XXXX  XXXX Balance : {$3900.00} ; DEPT OF EDUCATION/XXXX  XXXX Balance XXXX {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681b - U.S. Code - Unannotated Title 15. Commerce and Trade 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe -- These accounts are being reported on my credit report unlawfully : XXXX XXXX XXXX XXXX ) collection opened XX/XX/XXXX XXXX XXXX XXXX  XXXX ) collection opened XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) collection opened XX/XX/XXXX XXXX XXXX XXXX  ( XXXX ) account opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them to be removed several times now by certified letter asking them to provide me proof that they have permissible purpose to run my credit. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. The inquiries are still on my files and have not received any resolution. Their responses were inquiries are a factual record of file access, please call the creditor directly. I did not give anyone consent to use my information. I sent them a certified letter on three different occasions and they are not complying with the FCRA. 

Transunion Inquiries are -- -- - XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Inquiries are -- -- - XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX and I urge you to rectify the situation promptly by updating my records accordingly.
Product: Mortgage

In approx XXXX, I refinanced my home mortgage of approx {$200000.00} and began making monthly payments of {$1000.00}. Within 3 or 4 months this mortgage was sold or transferred to a sister company who started hounding me for the payments. I went to the excruciating experience of making contact with the new company and patiently explained that I had never received any notification from the original mortgage company with which I had signed the mortgage that the mortgage had been sold/transferred and that until I had such documentation I was in no position to send them my payments. 
The new mortgage company thereupon sent me a letter from the original company with thew necessary notification.I changed the destination of my payments and all got straightened out ... until the next sale/transfer of my mortgage. 
This happened approx 6-9 months after the first such transfer. And of course, it happened in the same manner - no notification from the mortgage holder, only letters from the new company demanding payment. So I went through the drill one more time. This time it lasted for approx a year until this third company sold my mortgage to Seneca Mortgage. After this sale, I ended up speaking to a XXXX XXXX XXXX in their problem resolution department and explained once again my simple request for documentation from the loan holder of record that the mortgage had been sold and to whom. Upon receipt from XXXX XXXX of the required documentation, I sent him a check for the XXXX payments involved in the messy transition, and arranged for automatic monthly withdrawals for subsequent payments. 
Very shortly after sending XXXX XXXX my check in XXXX XXXX, I received a letter from Seneca Mortgage advising me that my payment should be ca. {$2900.00} per month itemized as the loan payment of {$1000.00} plus a tax escrow and a payment of approx {$600.00} for homeowners insurance. To say this XXXX me off is a major understatement. I immediately contacted XXXX XXXX XXXX and reminded him of the insurance information I had previously provided him and he indicated he would get in touch with the bureaucrat now assigned my mortgage and get things clarified. I then forgot the Seneca Mortgage Disorganization. 
For approximately the last year, Seneca Mortgage has made numerous phone calls to both my land phone and my cell phone. Each time I ( usually politely ) advise them that I would love to speak with them but they do NOT have my permission to record our phone call. They whine that they do not have the ability to make unrecorded phone calls, which is a lie since my calls with XXXX XXXX XXXX were on an unrecorded line - a XXXX of mine to which the law entitles me. 
Recently I employed a lawyer to contact Seneca Mortgage and find out what in the XXXX is going on. I am advised that since XXXX of XXXX, Seneca Mortgage has been returning my payments because they for some reason are no longer willing to accept my electronic transfers ans as of last month have placed my mortgage in foreclosure. 
This makes me livid. Apparently making monthly payments on time every month by bank check is no longer sufficient to service a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax gave me the message that my information may have been compromised in their most recent -- of multiple -- hacks. I went to get my 3 credit reports from the government website. The first would not give me it. The second -- XXXX -- has two CONSUMER REQUESTED inquiries from X/XX/17 and X/X/17 that I did not make. This concerns me and their tool for reporting an issue does n't have a section to report this type of issue. I believe anyone whose information was hacked in this should be given identity protection for far longer than 1 year as if you were a criminal with this information, you could simply wait 1 year and then do what you want with the information. This also means that verifying my identity with my financial institutions is a joke now because the information they use for that may have been leaked in this blatant disregard for data security. Why was this not salted and hashed? Why is it not mandatory that companies with this information do that? It 's not even a case where I or other consumers did something unintelligent. Instead, we have no control over the information Equifax has.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My information was used without my permission to open XXXX XXXX XXXX XXXX XXXX  accounts XXXX : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX {$4000.00} open date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$8000.00} open date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX {$7400.00} open date XX/XX/XXXX Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX I have contacted the XXXX XXXX police department filed a official police report for this fraud. I have also contacted the federal trade commission and filed a affidavit. I sent all information pertaining to Experian, XXXX and XXXX yet the fraudulent Accounts have not been deleted. Please help me with this situation
Product: Credit reporting or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer. 
Account Name : XXXX XXXX XXXX Account Date : XXXX XXXX Account Amount : {$7000.00} Account Name : XXXX XXXX XXXX Account Date : XX/XX/year> Account Amount : {$940.00} You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from date of notice. I look forward to your response. 



Thank you Resolution I want the transactions blocked and deleted from my consumer report.
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. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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

I've sent multiple letters to these credit bureaus regarding fraudulent inquiries on my credit report. And they wont remove them. 

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

report from Kohl '' s says I am deceased
Product: Credit reporting or other personal consumer reports

XXXX is practicing in a fraudulent scheme with XXXX XXXX and are sending threatening emails to take me to court if I dont pay for debts that was written off and paid for by the XXXX. The debt was insured and paid back to XXXX XXXX and was deleted from my credit report. Then resurgent XXXX bought the already deleted account and reported it back to my credit report as a collection. This is illegal when the XXXX paid the debt back and the debt was deleted from my credit report. If XXXX wants a legal battle with me please be my guest. If this is not deleted I will sue them for {>= $1,000,000}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently disputed the inaccuracies of the late payments on my report. The CRAs have stated that they verified this information. However, In accordance with the fair creditor reporting act these creditors XXXX XXXX XXXX XXXX XXXX have violated my rights under 15usc1681 sec602. I also have the right to privacy under 15usc 1681sec 604 ( a ) sec ( 2 ) which states a consumer reporting agency can not furnish an account without my written consent under15usc 1666 ( b ) a creditor can not treat a payment on a credit card account under an open and consumer credit as late for any purpose.
Product: Debt collection

I rented an apartment in XXXX XXXX, NV in XX/XX/2014 from a property management company called XXXX XXXX XXXX. I moved out after a couple of months because I could no longer afford to live there. The company had a lease agreement and wanted to collect for the rest of the agreement, which of course I could not pay. I never paid anything on the account, and years later I noticed it on my credit report. I looked up the laws regarding the collection of debts in Nevada and there is a 4 year statute of limitations on the debt. It has been almost 5 years now. The credit report shows that XXXX XXXX XXXX turned the collection over to Sentry Recovery & Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX in XX/XX/2014. The credit report also shows I have already paid 15 % toward the debt, which is not true. XXXX  eliminated the debt from my report after I disputed it, but XXXX  determined that they would not remove it from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 168XXXX
Product: Credit reporting or other personal consumer reports

I send out letter for the 3 bureaus last month it's been 30 days I didnt recieved any response for the bureaus since it's been 30 days I demand to delete the following accounts and inquiries listed below : Account Name : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$580.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open : XXXX XXXX, XXXX Balance : {$670.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open : XXXX XXXX, XXXX Balance : {$4300.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open : XXXX. XXXX, XXXX Balance : {$1100.00} Account Name : XXXX XXXX  XXXX Account Number : XXXX  Date Open : XXXX XXXX, XXXX Balance : {$500.00} Inquiry Name : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX  # XXXX Inquiry : XX/XX/XXXX Inquiry Name : XXXX XXXXXXXX Inquiry : XX/XX/XXXX Inquiry Name : XXXX - XXXX XXXX Inquiry : XX/XX/XXXX Inquiry Name : XXXX XXXXXXXX Inquiry : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX - XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Account Number : XXXX Date Open : XXXX XXXX, XXXX Balance : {$4300.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance : {$1400.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$500.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$1100.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance : $ XXXXAccount Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$580.00} Account Name : XXXX XXXX Name : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry : XX/XX/XXXX I will attached the letters I send out last month together with the id and proof od residency also I file ftc report for the fraudulents accounts and unahutorized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting bureaus, XXXX, TransUnion, and XXXX, list several incorrect variants on my name in my credit reports. In some cases, these variants conflate my name with my husband 's first name ; in others, letters are missing and spaces are inserted ; and in others, my first, middle and last names are out of order, or are misspelled.
Product: Checking or savings account

I asked that PNC bank close my account in XXXX due to my account information being stolen. They said they did not want to lose my business and wouldn't close my account. As a result, the person who stole my account information so I couldn't log in check transactions charged my XXXX XXXX  and XXXX XXXX account off through PNC bank without my knowledge. I just saw the bank statement today after my relationship with PNC ended.
Product: Money transfer, virtual currency, or money service

I was purchasing 4 tickets with parking passes from XXXX XXXX who advertised the tickets on XXXX. The tickets were for the XXXX XXXX vs XXXX game on XX/XX/2018 at XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX Texas. I transferred the agreed upon amount of {$400.00} thru XXXX on XX/XX/2018 within my Wells Fargo App to XXXX XXXX who also had a Wells Fargo account. Our correspondence throughout this process was thru text messages, which I still have on my phone, and the seller ( XXXX XXXX ) confirmed he received the {$400.00} and was starting the transfer of the tickets to my XXXX account. I never received the tickets. When I text him back he did not reply. So I attempted to call and he had blocked my number. I called Wells Fargo and they opened a claim and assigned it to their fraud team. After several days they finally called me to say that there was nothing they could do, and that they dont guarantee goods and services. They did confirm XXXX XXXX had an account and confirmed the transfer of {$400.00} from me to him but would not give me any other information. They said all I could do at this point is file a police report. Ill I have for information of the individual ( scammer ) I sent the money to is his name ( XXXX XXXX ), his email ( XXXX ), and his phone number ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Since my homes purchase in XXXX I have made each payment on time. I noticed on my credit report, XXXX, during covid19 that my report incorrectly indicates I had been late on two payments in XXXX, XXXX and XXXX. these payments were deferred due to damage from flooding in XX/XX/XXXX. In XXXX the full payment due for the three months of XXXX, XXXX m, and XXXX were made in full BEFORE the due date. I disputed the inaccuracy. Since my dispute, I see now that many months show no data, instead of the on time payments that had always been reflected on my report, and the two inaccurately stated late payments remain. In addition other random months are now showing late payment. This is crazy. I have no recourse. Disputing the inaccuracy actually lowered my score and added more inaccurate data to my report. I have never been late on my mortgage and not without personal sacrifice- the main reason was to maintain and boost my excellent credit rating. I need help. Wells Fargo is lying on my report and choosing to add negative inaccuracies and other months showing ND instead of the on time payments that had always been reflected in my report. Help!