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

I am filling this CFPB complaint on my behalf and I am informing you that there is no third party involved in the process. Regardless of the 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 USC sections 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 statutes. Please update the following accounts completely from my Credit Reports : Accounts XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 Federal Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, XXXX XXXX. XXXX I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to XXXX parties you are damaging my reputation and credit worthiness Under the FCRA XXXX XXXX. XXXX, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I saw a delinquent charge from Synchrony on my credit - credit sesame I contacted Synchrony on XX/XX/XXXX and I was told I shouldn't have been charged for a late payment which is what sent my account into delinquency. I paid Synchrony the delinquent late charge that I should've not have been charged because their malicious charge against my credit was holding stopping my approval for a house loan. 
Synchrony sent me a letter on XX/XX/XXXX the charges brought against my credit will removed from the three credit bureaus within 60 days. 
This collection agency 's predatory practices towards me as a consumer have caused me undue hardship by blocking my ability to be approved for a house loan. Is it not illegal for collection agencies to file against a consumer credit?
Product: Mortgage

Trying to re-fi a mortgage to XXXX from Mr Cooper. Mortgage was taken over by Mr Cooper from XXXX. XXXX and Mr Cooper are preventing me from changing my mortgage to XXXX.
Product: Debt collection

Chase Bank 2020 allowed debit card approved, only to discover the agency would place my account tin a insufficient fund status. Failing to pay the creditor. 

XXXXXXXX XXXX XXXX XXXXXXXX, time after time but no assistance available. 
XXXX Texas applied for housing was not any funds available. 
XXXX XXXX XXXX XXXX ( XXXX  ) Program nothing available. 
XXXX XXXX declining Housing due to time in service after Retiring
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 XXXX late payment on an account that I 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 date ( XXXX ). I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I was assured and guaranteed that the reporting history of both credit cards would be gone and match when the settlement proposed by Amex was paid in full and satisfied. 
The XXXX card history was deleted as agreed however the blue XXXX card still had the reporting showing on my account. Amex stated they sent the update containing no payment history its on the credit reporting company. The bureau stated the update must say no history reported or to history no longer applies. Ive stated this over two months and said it would be investigated and updated, they said they are going to update and still no update. They already required my credit out of the blue cancelled all my cards, claimed I never paid a settlement and harassed me for month about paying a settlement I already paid and continued to report incorrectly. I just want this finally done and gone its cost me my company a mortgage everything. Please can you help me get them to delete as they promised and agreed the payment history on the blue card
Product: Debt collection

Credit World Service Inc Has been furnishing inaccurate and illegal Information on my consumer report this company has furnished inaccurate information to my credit reports this company is in Violation of section 623 ( a ) ( 4 ) ; 15 U.S.C 1681s 29 ( a ) ( 4 ) furnishing inaccurate and illegal information this account has been disputed 3x this account has not been properly investigated if this account is not removed from my credit reports for NEGLIGENCE within 30 days of this Notice I will be moving forward with counsel in a lawsuit for civil liability and Punitive Damages and this account has also reached its statute of limitation to still furnish this inaccurate illegal information. I will be attaching documents to support my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has an account charged off on my creit report showing that I owe {$440.00} updated to {$0.00}. As I lve stated before I did not open this account and I filed a police report. Wells Fargo and XXXX then sent me a document with a signature that is not mine! It is forged and fraudulent and I will not keep suffering from this Identity theft result! I need the company to show a video of me signing but upon me reading the verified letters the card was opened electronically. Ive never opened a card with this company EVER yet XXXX  is the only bureaus who would not take my police report serious If it was mine it would be paid!
Product: Debt collection

This company Midland Credit ManagementXXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and Midland Credit Management Inc Address : XXXX XXXX XXXX CA XXXX Phone : ( XXXX ) XXXX Calls my phone numbers every few hours daily. They have called family members and neighbors. They have sent a mail regarding an alleged debt to a family member 's home address. 
They call from Arizona, via the phone numbers XXXX XXXX constantly. 
I have no signed contracts or dealings with this company at all. I never have had financial dealings with this company. I am not indebted to this company. 
I want an immediate to cease and desist. Do not call or send any letters to me or anyone they assume I know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

They reporting wrong information they not reporting accuracy on the accounds
Product: Checking or savings account

On XX/XX/2021 I woke up and got an email that my account was overdrawn. I checked and there was a charge for {$1700.00} from some type of XXXX purchase that I did not authorize which completely wiped out my checking account and left {$60.00} in my savings account. I immediately went to a local Bank of America branch and was told there was nothing that could be done. I checked XXXX and there is no record of this charge or order on my account. I called to customer service and was told there would be a credit placed on my account within 24-48 hours and when no credit appeared on Thursday I called back and was told it would be escalated. At this time I also requested that my debit card be cancelled even though it was still in my possession to avoid any other issues. Today is now Monday XX/XX/2021 and my account is still overdrawn, and Bank of America has charged additional fees to my account and nothing has been credited back and I'm being told it could take up to 90 days for the money to be returned. This is totally unacceptable and Bank of America doesn't seem to care or want to do anything about it. They said it had been escalated again today and could take up to 10 business days before it is reviewed. Now I have no money in my accounts when there should be over {$1800.00} available and am waiting on a new debit card to be sent out so I can at least withdraw the remaining {$60.00} that's left in my savings account.
Product: Credit reporting or other personal consumer reports

I have a freeze on my Trans Union credit report due to my information being leaked online by another company. Since 2021 I have been unable to unfreeze my account temporarily using their website. This function is extremely important as there are times I need to allow access my credit report, for business purposes, when Trans Union phone lines are closed. If you look at reddit there are many others experiencing this or similar issues with frozen credit reports. 

I have reported this issue frequently ( every time I must call to temporarily unfreeze my report ). I have also sent emails and was told that an IT ticket was opened. Nothing has changed and this function on their website has never worked for me in 3 years. 

When I last spoke to a rep at Trans Union I was told this is a known issue impacting thousands of accounts & no fix is planned. This is not acceptable and extremely concerning considering the nature of their business & the sensitivity. 

I am reporting this issue here in hopes that Trans Union will be pushed to action and take accountability for maintaining their website functionality so that consumers are not harmed by their negligence. 

TransUnion falsely advertises that account holders may freely freeze and unfreeze credit reports online. They are aware this is not accurate or true.
Product: Credit reporting

In review of my credit report I noticed that a " XXXX XXXX. '' was reporting a delinquency on my credit report. Per the attached Office of Comptroller of Currency Document provided to me by XXXX XXXX Bank XXXX, XXXX XXXX XXXX ceased to exist XXXX XXXX, 2011. I disputed the apparent fraudulent reporting by a non-existent entity and " XXXX Bank '' responded, a trade name. They changed the reporting to " XXXX XXXX Bank ''. The Problem? XXXX Bank and XXXX XXXX Bank are trade names and therefore can not legally conduct business in regards to contracts. Remember " XXXX '' and XXXX? If XXXX XXXX Bank XXXX. is the legal entity they must be the reporting entity. We can not assume this without proper documentation from the legal entity which may or may not be XXXX XXXX Bank XXXX. It appears that some un named entity is " Intentionally Misrepresenting '' who the legal entity is? ( fraud ). I ask that the CFPB force the legal entity to be identified, if possible, so I may work with them to resolve. If it is XXXX XXXX Bank XXXX. I would think they would have initiated the reporting and would have responded. Not XXXX Bank that exists as a trade name only per the attached. I was told by the credit reporting agency, Experian that it would take up to 60 days to have a response to my concerns of " XXXX Bank '' trade name conducting business as if a legal entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 back-to-back hard inquiries on my credit report from Capital One Auto Finance from XX/XX/2017. I only authorized one of these inquiries. I don't understand why they pulled my report 4 additional times.
Product: Checking or savings account

Overnight a credit was reversed on my account. The purchase was reported as fraud and they also submitted a dispute. The purchase was made on XX/XX/XXXX but some of them claim it was made on XX/XX/XXXX, regardless they issued me a credit to my account and a month later,,,,, reversed it back and left my checking account negative XXXX when they took XXXX. I emailed XXXX and submitted proof from the post office and from XXXX via email that they both : 1. Understand that I never received a package and verified this via email. 
2.They knew where it was and it was on the XXXX XXXX XXXX XXXX XXXX CA and never went back out. 
3. The post office signed me up for informed delivery so I could have proof in court and they would not be liable. 
I will attach proof of the verification and I want the bank to stop pulling credits they issued to me because they had to be approved in order to be issued to me and someone is trying to steal money from me knowing I submitted proof
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States i have a right to privacy. 

These addresses do not belong on my credit report XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$610.00} XXXX  XXXX Balance : {$4800.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX  XXXX Balance : {$630.00} XXXX  XXXX Balance : {$4800.00} XXXX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$610.00} XXXX  XXXX XXXX XXXX : {$630.00} XXXX  XXXX Balance : {$4800.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$1200.00} XXXX  XXXX Balance XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - I have sent over 4 dispute letters to XXXX all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Transunion - I have sent over 4 dispute letters to Transunion all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

XXXX - I have sent over 4 dispute letters to XXXX all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Dates:XX/XX/2020 - XX/XX/2020 Actions Taken by Me : Sent 4 dispute letters to All bureaus ( XXXX, XXXX  and Transunion ) by Certified Mail Return Receipt to remove inaccurate accounts.
Product: Credit card

I was recently notified by the XXXX that my identity had been stolen and used on multiple occasions since XX/XX/XXXX. The thief first began working at XXXX restaurant under my identity. He worked there for over a year before quitting and relocating to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX again under my identity. 
During the time he had my identity, several attempts were made to open credit cards in my name. As of today, XX/XX/XXXX, the thief was fired from his place of employment due to fraud allegations. I spoke directly with them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX who confirmed these actions. 
The theft of myidentity has caused significant problems. My healthcare and nutrition assistance were canceled, which has been especially difficult for me as Ihave a XXXX baby. Additionally, thefraudulent credit card applications have directly impacted my credit score with multiple hard inquiries. 
Here are the fraudulent inquiries that have affected my credit report : XXXX. XXXX XXXX NA** - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX. XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX Duvera Billing services Reported : XXXX. XXXX, XXXX XXXX XXXX XX/XX/XXXX Thank vou for vour attention to this matter.
Product: Mortgage

I purchased a home in XXXX. the whole family caught XXXX in the month of XXXX. I lost wages until XXXX then the home I purchased the gas company cut my line from the street from XXXX until XX/XX/XXXX we was stuck we had to move out the home and move with family and we are behind XXXX k in mortgage dont know what to do Im here asking for help Im from XXXX  XXXX  XXXX I also purchased the home in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : DEPT OF ED/XXXX : XXXX -- -> : {$7100.00} XXXX, XXXX : XXXX -- -> : {$270.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a permanent resident of the   US and a customer of Bank Of America for years. Recently I was sent a letter requesting to go to a branch and provide my residency documents. It was then that revealed that my residency status in BoA systems was captured as a US citizen. This change had been made to my account without my knowledge and consent. My status was updated to the original correct citizenship though when I provided my legal documents, and the store manager apologized. He was even surprised how a customer 's citizenship status could be modified in their system like this.
Since this could have unknown legal responsibilities and consequences to the extent I have no idea what, I filed a complaint in the store to receive an official response from BoA on why and when this change had been made to my account. Two weeks later somebody called me and explained they had researched my case, but had no idea when or how this had happened! While she apologized on the call for this hassle, and confirmed this change had nothing to do with me ( how could it ), she refused to supply a written response taking responsibilities for this modification. Again, changing my status from a non-citizen to US citizen, specially considering I am a citizen of a country that is undergoing US sanctions, could have consequences in future that this is my right to know when this happened and why. This could also be a fraud or misconduct of somebody in BoA who had access to customers confidential information like mine.
Product: Credit reporting or other personal consumer reports

Incorrect information doesnt belong to me and I even filed bankruptcy
Product: Credit card or prepaid card

On XX/XX/2020, I made an electronic funds transfer to pay the full balance of my credit card account, in the amount of {$9100.00}. The following month, I received my credit card statement showing a balance owed of {$75.00}. The credit card company was trying to charge me interest. The account statement shows the activity and clearly shows the credit card company charging me twelve days ( 12 ) after the balance was paid in full. I think this is an unfair and potentially unlawful lending practice.