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

I continue to ask both the credit agency and the furnisher, to please provide me with verification of the debt in question, because I have an adult son with the same exact name. XXXX continues to put addresses that I have not lived at, but my son has on my credit profile. When I have reached out to both about not only the method or verification, but also some kind of proof. 
They both just send me letters saying it has been verified. I sent these same issues to XXXX, and they have all been removed. Transunion and XXXX continue to play these games saying its been verified, or they update it with even more wrong information. 
I have attached screen shots from both credit bureaus of the accounts in question, and XXXX asking for physical proof to not only be sent to me, but also a copy sent to the CFPB as well. I want all these negative accounts that have no proof of belonging to me removed from ALL my credit reports. 

XXXX  # XXXX not only have different dates closed, and is also missing payment history, and the information on the account is incomplete. Offer some physical proof this account does indeed belong to me or remove it! 

XXXX XXXX XXXX XXXX # XXXX is also missing information on payment history. Please provide some physical proof that is account belongs to me or remove it! 

XXXX XXXX XXXX  # XXXX this account is showing different close dates and missing payment history. This account is incomplete. Please provide physical proof this account does belong to me or remove it! 

XXXX # XXXX Is missing payment history, shows inaccurate information and shows late 120 days XXXX months. Please provide physical proof this account belongs to me or remove it! 

XXXX XXXX  XXXX # XXXX This account shows inaccurate Transunion shows the account closed XX/XX/20 and XXXX shows it closed in XXXX with back-to-back 120 months. Not sure how this was verified as accurate with all this mistakes. Please show proof this account belongs to me or remove it! 

XXXX XXXX XXXX This account is on my report multiple times with different information. I have an active XXXX account that I sin good standing and they have this mixed negative account on my reports also. I have missing information, inaccurate information. Please provide proof that the NEGATIVE accounts on my account belong to me with some kind of physical proof. If not remove the NEGATIVE accounts from my profiles! 

XXXX XXXX XXXX # XXXX This account is missing payment information and has yet to verify that it belongs to me. Please provide some type of proof this account belongs to me. How was it opened and closed in the same month with missing payment history.
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing these accounts. I've reached out to the bank and they assured me the issue was resolved. I've also contacted law enforcement and provided a report and affidavit, which they confirmed as valid. Additionally, I've engaged with XXXX and XXXX, who complied with legal requirements and removed the accounts. However, TransUnion seems to be presenting obstacles, claiming I haven't completed all the necessary steps. 
Understanding the leniency towards banks and credit reporting agencies in legal matters, I'm hesitant to pursue a lawsuit. Despite repeatedly submitting my claim to TransUnion over XXXX months, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. I urge the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate this case, as it appears TransUnion is failing to fulfill its legal obligation to process the identity theft report. 

I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically XXXX, which is a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. I am overwhelmed and feel like I'm losing control. Please handle this matter with urgency. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XX/XX/XXXX, I drove by an ATM machine located outside Webster Bank in XXXX CT. I inserted the Webster 's ' Debit card and asked for {$200.00}. The ATM machine dispensed only {$120.00}. 
Immediately I went to the bank and dispute the transaction. After a week I receive a letter from Webster bank saying that after the bank audited the ATM machine it was found {$40.00} surplus and this amount was credited to my account. 
I called the bank several times and I was told that this was the final decision. 
Since the ATM machine seems to be malfunctioning that day, perhaps it dispensed {$40.00} more to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed several unauthorized inquiries. I've complained about this issue before with the CREDIT REPORTING AGENCY and as of now haven't received any resolution.
Product: Credit card or prepaid card

American Express - Fraud Operations Dispute Refrence # XXXX I have been frustrated trying to resolve a fraudulent charge since XXXX XXXX. I have been told that the matter was raised under incorrect department which caused delay or complication in processing.
Product: Debt collection

I took XXXX dog to XXXX XXXX hospital to the vet and made monthly payments of XXXX. To my knowledge this was not credit or a loan kind of deal but more as a pay as you go for service. I called around. XXXX/XXXX to cancel the debt the debt was never canceled by XXXX and they continue to charge me up to XXXX XXXX. After my dogs care had stopped there in XXXX being the last month he was ever seen in that hospital. I received a letter saying I owe XXXX to I.C. Systems. I attempted to call them because I Believed it was a scam and I I never heard from them again. Today it was report to the credit bureau. Which I do n't understand cause it was never a credit and I refuse to accept that debt because my animal stopped recieving care. Not only that I.C. systems never followed up with me. I am willing to pay what is owed up until XXXX/XXXX and have the removed from my credit report because it is unfair that I 'm being overcharged for services that was n't Provided after XXXX XXXX
Product: Checking or savings account

There are XXXX in fraudulent checks that were removed from my savings/checking on XX/XX/2023 that has not been returned to me.
Product: Credit reporting

XXXX XXXX XXXX my ex wife used my social security number and ruined my credit without my knowledge of her doing so.
Product: Credit card or prepaid card

The payments allocation was not correct. I had a minimum payment of XXXX dollars and made a payment of XXXX dollars. On my credit card I have multiple interest balances ranging from XXXX to XXXX % APR. The allocation of my payment should follow the rules set by The Card Act of 2009, where the minimum payment ( XXXX dollars ) should be allocated as the issuer wishes and the excess payment MUST be allocated to the highest interest balance. But Discover did not allocate my payment as such, they allocated most of my payment to lower interest balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent hard inquiries on Experian and XXXX credit report XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has multiple hard inquiries
Product: Student loan

I am a XXXX year public servant With who qualifies for the Public Service Loan Forgiveness program. However Navient entices me to re-finance into a loan product that does not qualify for the program, therefore costing me approximately {$130000.00} in loan forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not removed fraudulent accounts from my credit report still. I have made 3 additional calls to the company since my complaint and have been rudely denied. I was informed that I would get a call back as well from a supervisor after " 3 days '' and that was not honored by Transunion. Transunion verified the information reported on my consumer file through 3 different " furnishers of information '' and not me, the original creditor, which is unlawful. This is further causing me distress as I still have trouble operating in commerce. Additionally, during the phone conversations, I have spoken to 3-4 different employees each time totaling 18-20 people overall. Nobody was able to provide me with a document expressly stating they can produce and investigative consumer report on me, BY ME, which they have not done. Transunion is also not able to provide any evidence to a lawful investigation on my behalf. What is being reported on my name is erroneous and is degrading. Additionally, I have sent in a VALIDATION OF DEBT letter, as well as an AFFADAVIT OF TRUTH, attached with a bill of particulars both dated XX/XX/2023. I seek resolution by these accounts being promptly removed from my consumer report. Transunion 's behavior is absolutely unacceptable, as a Consumer, speaking to a Consumer reporting agency, I would think I should be treated with the utmost respect. However, this is not the case as Transunion apparently has obligations to furnishers of information as opposed to Consumers. I will now be seeking a {$10000.00} in damages for this situation IF the remedy I seek is not provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently went into a local Hancock Bank Branch with my husband to open an account so that i can pay my bills while hes out working offshore and the teller said to me that she couldnt add me to his account because it shows a charge off fom 1999 i dont recall ever having an account with Hancock Bank so i need someone to check into this and if there is nothing on file could you please write me a statement stating tjhere is nothing showing so i can delibver to Hancock bank i would really appreciate it if this could get resolved because i need to open anaccount with my husband who already has an account with Hancock Bank. thank you XXXX XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis makes it a hurdle for people who live or are XXXX XXXX  to get their consumer report. Their online process - XXXX XXXX XXXX XXXX to retrieve one 's consumer report only has the standard 50 states. It is missing 'states ' such as AE, AP , and AA.

Which means my actual mailing address will never match what is on their site - since my mailing address isn't one of the 50 states they have available. And I'll continue to get a letter in the mail - that my information doesn't match what they have on file - which has recently happened. 

This affects overseas diplomatic members and people who work the Federal government - including military or civilians.
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 correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Payday loan, title loan, or personal loan

Someone applied for a loan with Always Money and they had a credit check inquiry. Now it is showing on my credit report. I spoked to a rep at XXXX snd she placed a hold on my credit report. I called always money on XX/XX/2022 and they have not gotten back with me. I attached a copy of letter they sent about the loan. I did not request for a loan with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of identity theft and fraud. XXXX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX-XXXX-2017 Equifax was cyber attack resulting in hundreds on millions of people 's personal info including social security, DOB 's, and ID numbers being stolen by hackers. I was one one these people.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan to consolidate my debt. After submitting all the documents they needed to start my application, I was told I was denied because they couldn't verify my identity by my Name, SSN, Address or Date of Birth. I find this hard to believe because I am already making monthly payments to this company for a previous loan and they had no problem verifying my identity for that loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to regain employment & the background check that was provided is very inaccurate I just look myself up on the XXXX XXXX  XXXX  XXXX & it comes up 0 matches found, so this company that performed the background check is very inaccurate this is horrific & I am highly upset & inaccurate & I do not appreciate this false information, this will affect my employment
Product: Checking or savings account

On XX/XX/2023, I opened a Business Checking Account with US Bank using a promo code that would give me a {$500.00} bonus if I deposited {$3000.00} within 30 days and maintained the balance for 60 days. On XX/XX/2023, my account had the required {$3000.00} which I kept for more than 60 days until XX/XX/2023. However, I did not receive the bonus as expected. I called US Bank in XX/XX/2023 to follow up, and was told that I had not enrolled in their online banking, but I had already been an existing customer with an account with them. I was able to see and manage my business account with my existing one, and creating an entirely new account was not specified in their terms.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under XXXX XXXX XXXX. FCRA XXXX ( XXXX XXXX. XXXX ) FCRA XXXX ( b ) Block ACCOUNTS : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # : - XXXX XXXX XXXX XXXX ( Original CreditoXXXX : XXXX XXXX XXXX XXXX XXXX Account # : - XXXX XXXX XXXX XXXX XXXX - Account # : - XXXX XXXX XXXX - Account # : - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Account # : XXXX XXXX Account XXXX : XXXX _______________________________________________ INQURIES XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX State I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX U.S.C XXXX ( 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 in accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CODE XXXX XXXX XXXX XXXX ( XXXX XXXX ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation XXXX XXXX XXXX.
Product: Checking or savings account

I was a previous customer representing a company using Bank of America. I noticed one day XX/XX/2023 I wasnt able to login on the app to check balance. Then I went to the near branch office and was instructed to call Bank of America and learned the account had be closed. And that I wasnt able to withdraw funds after account had been closed. I reached out to bank several times asking to release hold of funds. Due to the fact I have bills coming up and a family member dear to my XXXX with XXXX  XXXX XXXX. I ask the bank to at least let me withdraw my funds and we go out separate ways but Bank of America is refusing to release my money after me pleading that I have bills and a close family member fighting for their life. I view this matter as being bullied by a monster and would definitely NOT recommend anyone to bank with a greedy selfish monster. I believe this is a hate issue and a slap and spit in the face to me and the XXXX community. Its not right and is very unfair and selfish and definitely unjustified. If a job has to pay money owed after firing someone why is it a bank can hold money on a account they have CLOSED without any of my acknowledgment
Product: Bank account or service

I am being contacted continually by 5th 3rd Bank at my place of employment via robocalls that are tying up my business phone line and filling my voicemail box. These calls are being initiated bu their collections department. I am not a 5th 3rd customer, not have I ever been. I have contacted 5th 3rd multiple times to inform them of this and to have the number removed from their system, to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I am a victim of identity theft and someone used my personal information to obtain goods and services in my name without my permission. I am requesting for Equifax to block and remove the following fraudulent account and inquiries immediately or legal actions will be taken. I did not benefit from any goods or services of these fraudulent account and inquiries. Your company has four day under FCRA 605B to block and remove these fraudulent accounts and inquiries. I also attached FCRA 605B to this correspondence. Please obey the law and block these fraudulent accounts and inquiries. 

1. XXXX XXXX XXXX ACCOUNT # XXXX Balance : {$54000.00} The following inquiries need to be deleted and removed immediately due to identity theft : 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX  XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are unauthorized
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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX XXXX : Account Number : XXXX Account Name : DPT TREASURY : Account Number : XXXX Account Name : DPT TREASURY : Account Number : XXXX Account Name : DPT TREASURY : Account Number : XXXX Account Name : DPT TREASURY : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 seven 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.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I noticed multiple billing mistakes. The late payments reflected do not align with my typical payment record.
Product: Mortgage

Wells Fargo Home Mortgage took an additional payment out of my checking account without authorization from me. When i requested the refund, they refunded the money to someone else account. This cause me to have several NSF fees and caused issues with my employer ( XXXX XXXX XXXX ) as we are held to high standards as it pertains to our personal life. Wells Fargo continued to ignore the issue and eventually refunded a portion of the NSF fees. When i asked for a letter from them showing that it was their error, they just completely blew me off. After repeated calls I finally got a copy of a letter a month later. They never refunded the remaining NSF fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION : EXPERIAN DISPUTE DEPARTMENT I am sending this dispute letter after submitting complaints with the CFPB regarding the following : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items XXXX XXXX XXXX XXXX : XXXX This account was disputed on XX/XX/XXXX yet the date of status AFTER Experains investigation remains XX/XX/XXXX. How is that possible? Was there even an investigation performed? Failure to investigate is a VIOLATION! 

The terms are inaccurate. 
There should be no negative payment history reflected on a credit file once the account is closed yet Experian still shows negative payment history for this account being recorded monthly. 
There is no listing of the date of last activity on my credit report for this account. That is a FRCA violation. 
There should not be past due on a closed and/or charged off account yet Experian lists a past due of {$370.00} on this account. How is that accurate?