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

these accounts are not mine have never. lived in south Carolina have been trying to fix this for years remove account from credit report i was XXXX XXXX  have orders to prove it for court
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Experian dated XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

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

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Noticed negative accounts was reported in my credit report XXXX - XX/XX/XXXX, both accounts were for apartments in the XXXX XXXX area. I never resident there due to me being station at XXXX XXXX XXXX XXXX while I was on XXXX XXXX service in the XXXX XXXX until XX/XX/XXXX. Accounts was then turned into collections as of XXXX - XXXX of XXXX and are derogatory. Closed credit card with XXXX XXXX  was placed on my credit report XX/XX/XXXX, I never opened an account with XXXX XXXX and status was updated on account XX/XX/XXXX. I sent multiple dispute letters over this time period and have received no results from the credit Bureaus.
Product: Credit reporting or other personal consumer reports

I received XXXX unknown inquiries on XX/XX/year> XXXX from XXXX XXXX XXXX and XXXX from XXXX XXXX XXXX both on my Transunion credit profile.
Product: Debt collection

Target contacted my mother who has the same name as me. They threatened legal action and harassed her ... even though she advised them that she did not have a Target Credit card and owed them no money. They insisted that she did and told her they were going to sue her and threatened other legal action if she didnt make a payment. 
They did not confirm her identity and proceeded to disclose the amount of money owed them. This violated my privacy and caused a rift in my family as they were upset that I had foolishly gotten myself in debt. 
My debt counselors advised me not to have any verbal contact with my creditors through this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Hard inquirys that were not authorized by me or hold an open account be deleted Your customer service would not help and take care of the negative inquiries reporting to my credit report.
Product: Student loan

I have serveral loans through the Vermont Student Assistance XXXX or VSAC. I am currently ahead on payments ; however, after several attempts to have the overpayment and/or ahead payments applied to the principal balance. Accorday to VSAC it is against their policy to put the overpayment to the highest principal balance, rather they mandate that the overpayment be put towards the lowest interest loans. If this was my home mortgage i would be able to make an over payment towards interest, escrow or prinicpal. Since when does a non profit have the ability to tell me how to use my money when I am over a year ahead on my loans. It seams that it lines their pockets more because instead of paying off the highest interest loans, they tend to funnel my payments to the lower interest ones.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus are reporting my accounts wrong and accounting uniform code as a consumer I have the right to have them removed from my credit profile on each bureau. I didn't sign any paperwork that says I have auto loan yet there is 3 auto loan accounts reporting on my credit profile and I would like them removed.1 account is 90 % paid off and even says I have no my monthly payment that my monthly payment is XXXX.
Product: Mortgage

Altisource used fraudulent trustee sales as a weapon to force me into pretender lender XXXX servicer XXXX outrageous loan modifications. XXXX has been using Altisource fraudulent trustee sales as a weapon to rip off my family home that I own free and clear causing me and my children serious harm. Altisource email attached.
Product: Debt collection

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/XXXX. I received a letter listing items that are supposedly owed to another company. I then mailed a second verification letter, ( signed and received on XX/XX/XXXX ), asking them to prove to me : 1. How this is proven to be mine? and 2. How do i owe Americollect? I received a second letter from them stating my request was " frivolous and irrelevant. '' I have given well over the original 30 days to respond with validation of their claims with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?
Product: Student loan

For years my daughter has been making payments on a private student loan as well as federal student loans. When the class action settlement " forgave '' her responsibility for the private student loan, she intended to continue making payments due to me being a cosigner and the settlement did not erase my responsibility because I was not part of the class action. I began to receive delinquency letters and my daughter checked with Navient who verbally told her everything was up to date, probably a situation where there was a cross of communication. Finally, I called Navient myself to clear up the confusion and find out what was due and when. I was told the next payment was " due to be debited from my daughter 's checking on XXXX '' as had been for several years. That very afternoon, I received a notification from a credit monitoring service that I had been reported to the credit bureaus as " XXXX  days delinquent. '' After talking with someone named XXXX, a " tier XXXX employee, '' at Navient, I immediately paid the past due amount. Today I received a reminder from Navient that I had a payment due, even though we were told it would be debited on XXXX. Obviously, the issue is still not settled! I reached out to Navient in good faith and received conflicting information and I was penalized with a negative credit report. Please see the attached timeline and documents for specifics. I am requesting Navient redact the negative information they sent to the credit bureaus because the confusion was not of my making. I acted in good faith!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by XXXX, XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXXXXXX XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of 1. Last activity, 2. Balance, 3. Date opened and 4. Last payment date which is inaccurate. Therefore, this item must be deleted as per section 168 FCRA. Discrepancies among credit bureaus are listed below. 
Name XXXX XXXX Equifax Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance $ XXXX $ XXXX $ XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XXXX XXXX, and Experian reported adverse information on my credit report without authorization, from the following financial institutions : XXXX. XXXX XXXX XXXX XXXX ( CLOSED XXXX ) XXXXXXXX XXXX XXXX ( CLOSED XXXX ) 2 TIMES XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED XXXX ) XXXX. XXXX  XXXX XXXX ( CLOSED XXXX ) XXXX. XXXX XXXX ( CLOSED XXXX ) XXXX. XXXX XXXX ( CLOSED XXXX ) XXXX. XXXX  XXXX XXXX ( CLOSED XXXX ) XXXX. XXXX XXXX  ( CLOSED XXXX ) XXXX. XXXX XXXX ( CLOSED XXXX ) XXXX. XXXX XXXX  ( CLOSED XXXX ) In accordance with the Fair Credit Reporting Act, I have asserted my rights to privacy. The consumer reporting agencies stated above as well as the financial institutions lack my consent for sharing my information. They've reported adverse information without authorization, which violates the law. I must point out that 15 USC 1681, section 604 ( a ) ( 2 ) states that : a consumer reporting agency can furnish a consumer report only with explicit written consent from the consumer in question. In this case where the aforementioned financial institutions providing information to credit agencies, I have not granted any form of consent, whether verbal, non-verbal, written, or implied to XXXX, XXXX, or Experian or any of the financial institutions. I hereby revoke any such consent that might have existed. Also in accordance with 15 USC 6802 ( b ) ( c ), financial institutions are restricted from sharing nonpublic personal information with nonaffiliated 3rd parties unless consumers are informed of their ability to opt out. I was never informed by the mentioned financial institution of my right to exercise this option. Moreover, as stipulated in 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency is permitted to include specific adverse information in a report without authorization, unless it pertains to convictions older than 7 years. The account ( s ) listed above that are being reported falls within this category of adverse information, and its reporting without my consent is in violation of the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX **XXXX  XXXX, XXXX **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX , IA XXXXXXXX XXXX XXXX XXXX **Subject : Dispute of Incorrect Personal Information on Credit Reports** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate personal information reported by XXXX and Equifax on my credit reports. The information in question is misreported and must be corrected as it impacts my creditworthiness and personal records. 

Below are the specific details of the incorrect information : - **XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - **Equifax** - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), consumers are entitled to have accurate information reported in their credit files . Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to investigate and correct any inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

My correct personal information is as follows : - **Legal Name** : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request the CFPB to investigate this matter and ensure that XXXX and Equifax update my credit report with the correct personal information. 

Please find attached copies of my identification documents and credit reports highlighting the discrepancies. 

Thank you for your prompt attention to this matter. Please inform me once these corrections have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX. XXXX XXXXXXXX account # XXXX. XXXX XXXX  account # XXXX. 
XXXX account # XXXX. XXXX account # XXXX. 
XXXX  account # XXXX. has violated my rights. 
15 usc 1681 section 602a stats i have right to privacy 15 usc 1681 section 604a section 2 stats consumer reporting agency can not furnish accounts without my written instructions.
Product: Credit card

Normal Macy 's store bills for XXXX XXXX Account : XXXX ( Department Stores National Bank )? 

XXXX XXXX  bill for {$70.00} -This was paid for and cashed by Macy 's XXXX XXXX XXXX XXXXWas paid on time by XXXX XXXX XXXXXXXX Confirmation XXXX XXXX XXXX XXXX  bill for {$40.00} -This was paid for and cashed by Macy 's XX/XX/ -Was paid on time by XXXX XXXX XXXXXXXX Confirmation : XXXX Despite being contacted and sent indisputable evidence of " on time '' payments from XXXX  XXXX  XXXX to Macy 's, they repeatedly maintained XXXX that the bills were not paid. They eventually send their stupid claim to XXXX XXXX XXXX XXXX for debt collection : ( Radius Reference Number : XXXX ) who appear to have treated this as a real debt.
Product: Money transfer, virtual currency, or money service

Hello XXXX, We are XXXX generation business in XXXX XXXX, We were using PayPal to receive payments from customers. In the last XXXX months itself, we had generated {$320000.00} via XXXX transactions through our business. And in XXXX, there were high sales due to XXXX 's week, we managed to make XXXX shipments which were around {$100000.00}. 

PayPal closed my account on XXXX XX/XX/2022 for no prior notice, they quoted the reason stating " You can no longer use PayPal-After a review, we decided to permanently limit your account as we found potential risk associated with it. '' though they have always make the hold up to {$50000.00} from my account. I can't withdraw it, and I am okay with the hold. 

I immediately took the action and wrote email and call them, but they are not help me with getting back up and going I am not sure if this is a mistake as I assume it has to be. I have not been able to get any sort of help by their calling support or email support. all of my funds which are {$64000.00} on hold for XXXX days Due to this limitation imposed by PayPal, I can not accept payments from my customers, and my business is greatly suffering due to this. We already lost around {$70000.00} for this month. I am also not able to refund my customers. 

I request you to fairly review my account & check Govt documents like XXXX, and further Incorporation documents of our XXXX as well as our invoice. We have submitted all of the shipment tracking details on each of our PayPal transactions. 

Let me know if you need any further information or legal documentation. 

My PayPal E-mail is : XXXX Best Regards. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

About XX/XX/XXXX, I enrolled in TransUnion consumer online access account. 

I found errors in my information, and when I try to submit a request to correct the information, or to request a credit freeze, the website returns an error, and prompts me to call TransUnion at XXXX or their XXXX XXXX at XXXX. 

I called several times over the first week of XX/XX/XXXX. I was told that my profile had an " error XXXX '' associated, which would require manual processing. Each time that I called, a representative scheduled a " call back '' for me, which never happened. I was finally able to request transfer to their " XXXX XXXX XXXX Department, '' and the representative told me that I could expect a call back within XXXX days of XX/XX/XXXX. That also never happened. 

I called yet again the last week of XX/XX/XXXX, again insisting to be transferred to the " US Special Handling Department. '' That time, the representative told me that the " error XXXX '' will be resolved from my profile over the next week, so check my online access again after a week. That, of course, did not work. 

XX/XX/XXXX. I just called again, and a TransUnion representative told me that my account still has " error XXXX '' associated, and that there are no records on my account of any of my previous calls, any of the promised callbacks, and any resolution to this problem. The case given to me is # XXXX. 

I am XXXX consumer against the giant TransUnion credit reporting agency. I have no other resource or recourse. Please help me with this. 


Thank You
Product: Checking or savings account

I called bank of America to dispute charges on my account, bank of America closed my account and has not let me report any fraudulent charges can someone please help me, someone used my account and now I need my money back
Product: Credit reporting or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT BY WAY OF THE XXXX XXXX DATA BREACH AND THE XXXX DATA BREACH. I HAVE NOTICED SOME UNAUTHORIZED ACCOUNTS ON EACH OF MY CREDIT REPORTS THAT I DID NOT BENEFIT FROM. I WOULD LIKE TO HAVE THESE FRAUDULENT ACCOUNTS THAT HAVE BEEN DISPUTED, TO BE REMOVED FROM MY REPORTS EXPEDITIOUSLY. THESE ACCOUNTS ARE HARMING MY CHANCES AT OBTAINING A CREDIT CARD OR A CAR LOAN.
Product: Checking or savings account

I DEPOSIT 2 CHECKS INTO MY SAVING ACCOUNT. ONXX/XX/2021 AT A WELLS FARGO BANK CHECKS AMMOUNT {$4100.00} PLUS {$3400.00} SINCE I DEPOSIT THE CHECKS LAST WEEK, CHECKS ARE STILL ON HOLD
Product: Checking or savings account

I am filing a claim complaint with the XXXX regarding capital one 's failure to deposit my direct deposit from my employer and any other income deposits. Capital One has cited technical issues which may violate the electronic funds transfer act EFTA as it is requires timely access to funds this situation raises concerns about consumer protection law, and I request your assistance in investigating this matter to ensure my rights are appealed thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made dozens of requests to have the bankruptcy reported on my credit report from 2019 removed. I have provided TransUnion with documentation from XXXX, the XXXX XXXX XXXX stating this is reported incorrectly. And yet they refuse to remove the information. I recently sent them all of the documentation certified again, and they are still refusing to remove the incorrect information.
Product: Credit reporting or other personal consumer reports

I am working with XXXX XXXX and we cant get a report from TransUnion. They have blocked it
Product: Credit card or prepaid card

I had a Best Buy credit card with XXXX $ credit line.I found my credit card was stolen and used for some purchases. 
I reported to Best Buy credit card and also disputed on 3 credit bureaus. 
Best Buy closed the account and removed all debt on my account, but after couple months it is showing I have XXXX $ balance!!!. 
I would report it to you and ask for help because it is hurting my credit.I never had any missed payments or problems with any credit card other than the Best Buy!. 

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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit card or prepaid card

I ordered merchandise from XXXX XXXX XXXX on XX/XX/XXXX and it was shipped to incorrect address. I called XXXX XXXX XXXX about the merchandise and they claimed they would credit my account when they received the merchandise back. They did credit my account by depositing the {$91.00} on XX/XX/XXXX that was billed on my Comenity Bank XXXX XXXX XXXX Credit Card. I had assumed XXXX XXXX  XXXX would give me a credit to the credit card used, they didn't. I had called the credit card company on XX/XX/XXXX, because my payment was due and I told them what had happened. I did not want any late fees or reports to the credit bureau for this error. When I went online to see what was happening on my account and pay the bill with the {$91.00} credited to my checking account, I was surprised to see ANOTHER {$91.00} added to my account along with a late fee and interest. Calling Comenity again, they explained they had " loaned me '' the disputed value of {$91.00} so I know owe over {$210.00} for merchandise that was returned to XXXX XXXX XXXX. Comenity bank told me today that I needed to contact XXXXXXXX XXXX XXXX and try to get a credit. I also tried calling XXXX XXXX XXXX but gave up when I was on hold for over 30 minutes. It is very disconcerting that a credit card company does not know the basics of accounting, the difference of a credit and debit.