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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX XXXX XXXX Balance : {$12000.00}
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.XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : XXXX Under FCRA law, no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX . Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Bank account or service

I have a Health Savings Account with Wells Fargo. We were told that it is being transferred to XXXX XXXX on XX/XX/XXXX. XXXX XXXX sent a new card and instructions to log in to my account, which I was unable to do. I called both XXXX and Wells and discovered that somehow my account is associated with a completely different birth date. My birthday is XX/XX/XXXX. The birthday they have is XX/XX/XXXX, completely different and not a typo. This is very suspicious. We are trying to go back over the account history to see what has happened. Can you help us verify that this is an innocent mistake and not something more serious. I do n't want my social security number associated with a different birth date.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX Account Number : XXXX
Product: Mortgage

Branch Banking and Trust Company ( BB & T ) placed a mortgage that was not in my name on my credit as a charge off ( CO ). This house was refinanced in XXXX by me for the express purpose of removing my name from the loan because of our pending divorce. We failed to reconcile and our XXXX was finalized XXXX/XXXX/XXXX. My signature was not placed on any documents at the time the refi was transacted. There has been some irregular issues with each document that I get, either from BB & T or the courthouse. The XXXX is that I was told that I was listed as a cosigner, then as the primary borrower and neither of those is true. The XXXX document shows the payment coupon that ONLY has the name of XXXX XXXX on it, my name does n't appear anywhere. 
The XXXX document ( I am sending the original copy and the copy where i point out the fraud that has been perpetrated against me by BB & T ) you will see my name, but it is n't my 1 ) signature and if you will notice the area that contains the signatures looks as though it has been 2 ) cut out and applied to the contract from another contract or something, but the wording above it is n't correct and it does n't line up and also leaves a larger blank space under the signature lines. 3 ) The verbiage does not completely exist on the right side as it does on the left side. 4 ) There is a faint line where the content below was added and the copier picked it up when they sent it to me and the verbiage here is at a sleight right angle to verbiage above. 5 ) Where is the beginning of this sentence? Was it left on the document that this was cut from? The additional documents show my signature from XXXX to today. 
I have been to countless branches, corporate headquarters, and a XXXX phone calls trying to get this resolved. I even offered to pay the balance to just get it removed from my credit and was told by XXXX XXXX supervisor at the " XXXX '' absolutely not, we will update it to reflect satisfied, but we will not remove it! 

I obtained a copy of the certificate of satisfaction from the register of deeds that was issued in XXXX XXXX and asked how that was issued if the note was n't paid in full and XXXX XXXX replied " oh we just do that sometimes '', but my ex-wife sold the property and walked away with {$15000.00} in hand in XXXX XXXX. If the note was n't satisfied then it was their error and if they just release liens from time to time, how do they stay in business, but as for me, several realtors and attorneys, none of us have ever witnessed anything like this. 
I asked XXXX XXXX why I had not received any notification of what was owed on this property if I really was the co-borrower and she stated that they sent the letters to the address of the property. They had my current address and if they did n't they have had my cell phone number that has been the same for XXXX years and better yet, since BB & T knows how to contact the credit bureaus, all they had to do was ask them for my current address since that was also listed there as well. 
This is not my debt and I will do everything I can to get a favorable resolution to this matter, but I refuse to pay another person 's debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. So TransUnion feels they're above the letter of the law & will not explain their policy... I appreciate you if you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because they are reported wrong. You should corroborate your information and remove the negative information on this account. Can you please let me know how you verified this information? Now if it was just a clerical error ( which does happen all the time ) then this is your chance to fix that error. 

XXXX XXXX
Product: Student loan

XXXX XXXX XXXX contacted me on behalf of Navient to help with my Student Loan XXXX XXXX, 2017. I was paying Navient a monthly fee of {$45.00} with a balance of {$38000.00}. I spoke with a guy name XXXX but XXXX XXXX sent me a Contract via email stating that I could pay {$1200.00} in ( 3 ) increments and gave me the breakdown that 's all I had to pay. I just made a payment of {$390.00} on XXXX XXXX, 2017. Now I have been contacted again stating the Representative told me wrong and that I would have to pay more and my monthly payments of {$45.00} would now go up to $ XXXX+ a month. I have called several times to get a different Rep that has no clue what I 'm talking about. When you ask to speak with a Supervisor you ca n't get one and when you ask for their last name they want give it to. So finally I said the next person you speak with will be my Attorney and they said it 's no need to do that so now they are suppose to refund my money that I 've paid via bank draft ; because I 'm sure it did n't go toward my Student Loan payment. The interest rate is unbelievable and it 's Highway Robbery.
Product: Credit reporting or other personal consumer reports

This will be my second attempt at resolving this issue. I pulled a recent copy of my credit report and noticed two accounts reflecting in accurate information, in the form of late payments ( XXXX and XXXX XXXX XXXX accounts ). Not only have I never been late, but reporting this inaccurate information to profile is in violation of the FCRA. 
According to According to 15 USC 1681i ( 7 ) each credit reporting agency is required to provide me their procedures on concluding any payments were late, which XXXX, XXXX, and Transunion has been unable to do. I've sent letters certified mail requesting this information with No formal response or evidence proving that I have ever been late on these accounts. 
According to 15 USC 1681 ( A ) 2i. The FCRA governs a consumers transactions and experiences from being included and reported to a consumers profile. A late payment is considered a transaction and consumer experience. 
Reporting this unverified and inaccurate is also in violation of 15 USC 1681EB as each credit reporting agency is required to ensure maximum accuracy, when reporting to my consumer profile
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX00}
Product: Mortgage

My mother was approved from a home loan in XX/XX/XXXX. 

1. The original loan documents were incorrect with the wrong interest rates and amounts. 
2. Loan adjusted during the XXXX Mortgage crisis when they were trying to refinance and payment went from : Org Payment : {$1900.00} monthly Adjusted Payment : {$4400.00} monthly ... 

Org Principal Balance : {$260000.00} Adjusted Rate Principal Balance : {$390000.00} Current Principal Balance XXXX : {$270000.00} 2 years interest : {$63000.00} 2 years escrow balance : {>= $1,000,000} Recoverable balance : {$3500.00} Less Credits {$650.00} Adjusted Rate Principal Balance : {$390000.00} 3. JP Morgan Chase was supposed to adjust the loan terms base on the XXXX Mortgage Crisis with the Making Homes Affordable Modification. Not only was the principal balance was INCORRECT but the additional fees added to the loan were INCORRECT. 
4. JP Morgan Chase REFUSED to correct the matter and sold the Loan off to XXXX which is now XXXX XXXX. 

Mother has been trying to get this corrected with JP Morgan Chase, XXXX, aka XXXX XXXX for over 13 years with no resolved. The Ombudsman Office aka Office of the President at JP Morgan Chase, XXXX, aka XXXX XXXX are continuing to play games after several attempts with certified mail, phone calls, and escalation teams submitting official documents showing the ERRORS. ALL HAVE REFUSED TO GET IT CORRECTED. 

PLEASE, ASSIST ASAP. THANK YOU FOR YOUR HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXXXXXX XXXX XXXX Balance : {$220.00} XXXXXXXX XXXX XXXXXXXX Balance : {$220.00}
Product: Credit reporting or other personal consumer reports

XXXX & Santander consumer usa repossessed my cars and didn't provide me with any information further stating the location of where the vehicle would be, the auction location, I wasn't provided with no important information pertaining to the vehicles. I didn't receive anything in the mail either which I should have and there's different inaccuracies on all 3 credit bureaus & one vehicle was listed as a charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this with XXXX XXXX  4 times now! I report the error, they remove it and put it right back on!! Last year because of Covid I was unemployed for almost 2 years. I requested and received a 6 month extension. After 6 months my employer closed permanently, so I still was not working and to prove it to XXXX XXXX  that I wasnt even on unemployment I offered to send them documentation WHICH THEY REFUSED. Yet they also denied my request for an additional 6 month extension even though it was illegal to do so! I then went to a Supervisor to demand my rights for an additional extension and for the credit law be followed and even though they said they were giving me the additional extension and did not contact me for payment for the next six months THEY REPORTED OT TO MY CREDIT. This violates the law during Covid and this was documented with them! I offered them paper documentation! And now although my lease is completely paid off and they actually owe me over {$1000.00} refund they are reporting me in arrears! I WANT THIS CORRECT IMMEDIATELY! Their service is deplorable and their account keeping is even worse!! I actually think they do this on purpose because they are a substandard lender and they are taking advantage of the people they loan to. Any investigation I am eligible to have them investigated through or any legal action against them I am eligible for I would like to be notified of. This will now be the 5th time I have told XXXX XXXX  that this is incorrect and the 5th time that I have filed a formal complaint and the 5th time they have ignored the law. There are literally thousands & thousands of people having the same problem with XXXX XXXX  on the internet!!! I would like this corrected or I would like to know my to legal action! Why are you allowing them to break the law?
Product: Checking or savings account

Account number : XXXX XXXX XXXX Bank of America has declined to reimburse me for missing funds totaling over {$15000.00}. I suspect that Bank of America has misappropriated my funds and is disguising it as fraud. I initiated a fraud claim in XX/XX/XXXX, which went unanswered. Despite multiple attempts to follow up via phone, I received no resolution and was continuously redirected. In XX/XX/XXXX, Bank of America requested that I resubmit the claim and email the documentation to their specified address, yet this request was also disregarded. Without prior notice or explanation, Bank of America subsequently closed my account during the ongoing claim process. 

Today, the bank has acknowledged that their account was compromised by hackers and fraudulent activity did occur. However, they persist in refusing to reimburse me for my losses. The hackers initiated numerous transactions using the identity of my payroll provider, " XXXX ''. I suspect that there may have been additional fraudulent transactions disguised under the names of legitimate vendors with whom I have conducted business. It is imperative that I recover my funds without further delay.
Product: Credit reporting or other personal consumer reports

On ( XXXX ), I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly.
Product: Credit card or prepaid card

Since last summer, around XXXX or XXXX of XXXX, I have been unable to access my Upgrade account. I had dropped my phone in a swimming pool, and it was irretrievably broken. I had to get a new phone and a new phone number. However, I purchased the phone at a XXXX along with a prepaid card. Therefore, I do not receive a bill. I do not have any account statements, other than my original purchase receipt. 
When trying to access my Upgrade account, their security functions are set that a code must be sent to the phone number on file,. I called to get my number changed, and they said they needed a phone bill. I have called numerous times, and spoken with numerous agents, that this is not possible. I have sent them very sensitive information like copies of my passport, driver 's license, copy of the phone purchase receipt ( that could be used to tie back to my phones serial number if they had cared to resolve my issue ), my social security card, a picture of me and my upgrade cards and finally, a video of me with my driver 's license. None of this is enough. I can not retrieve my balance, interest rates, charges, statements, etc. I am VERY frustrated. I suffer from XXXX and this issue has caused me extreme stress
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX   XXXX {$340.00} XXXX XXXX XXXX {$1200.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, Equifax and XXXX are violating 15 USC 1666b. These companies are reporting inaccurate late payments on my consumer report.
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
XXXXXXXX XXXX XXXXXXXX