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

I wish to file a complaint on Experian and XXXX XXXX because Experian has VERIFIED this account as ACCURATE and Updated this account on XX/XX/XXXX report number XXXX. To my understanding if a account has been verified as accurate then shouldnt all reported information be accurate and complete? Experian didnt even provide me a BEFORE and AFTER results instead I had to get a new report following experians verified as accurate results for the updates and my updated report still reflects inaccurate and incomplete information. See below. 

XXXX XXXX XXXX ERRORS and INCOMPLETE information on my XX/XX/XXXX report number XXXX On Record Until XX/XX/XXXX - ( XXXX has provided me with the date of XX/XX/XXXX due to disconnect for Non Pay in there response letter on XX/XX/XXXX. XX/XX/XXXX is the date of commencement that lead to the delinquency status therefore under 1681c ( c ) ( 1 ) the 7 year reporting period begins on the month and year this item went into delinquency. If XX/XX/XXXX is the date XXXX XXXX disconnected service due to non pay then XXXX should be the Month this account is set to be Federally removal with the respected 7 year time frame of XX/XX/XXXX NOT XX/XX/XXXX. 

XXXX XXXX- the payment history is INCOMPLETE. There is NO Last Payment, NO Date of commencement of the Deliquency, NO Late Pays ( XXXX, C/O ). All that reports is a XXXX off XX/XX/XXXX in which I dont even know if that is accurate or not because the payment history is incomplete. There are additional random charge offs reporting also with ND ( NO DATA ) in the payment history as well. NO DATA is STILL INCOMPLETE INFORMATION. If the payment history does NOT include such important information then how is it possible that experian is coming up with the On Record Until date? How are they determining that information when the source has given me the same information they give experian to report? 

This account should have never been Verified as XXXX instead this account should have been updated properly in order to be considered verified as accurate. I do not believe experian is conducting proper reasonable compliance procedures to assure my report is of maximum possible accuracy. XXXX XXXX has done there part by including a notice of dispute and providing me with information in regards to information, however Experian has failed to report what XXXX XXXX has given to them and I have given Experian a respectful amount of time to fix such errors. I have been disputing this account with experian since XX/XX/XXXX and this account continues to be reported inaccurately with incomplete information. 

I would like to include that the account number XXXX XXXX has provided me on there response letter has XXXX digits and experian is reporting a XXXX digit account number. Experian is still furnishing inaccurate and incomplete information after XXXX has given me a notice of dispute directly on XX/XX/XXXX therefore Experian should be reporting the same information.
Product: Credit card or prepaid card

Key2XXXX  Reward Master Card - KeyBank XXXX : {$2400.00} convince check cashed at unknown location, bank unable to recover check image. 
XXXX : I reported the fraud to the Key Bank fraud hotline, a dispute case was filed and opened. 
XXXX : I filed a local police report with XXXX SC Police Department report No XXXX XXXX : I called fraud hotline to update them that I had filed a police report as instructed and relayed that police report information XXXX : Noticed charge was gone from statement, looked as if the case had been resolved XXXX : Charge return of {$2400.00} noticed on statement as reversed. I reached out to fraud hotline. I was told and that a KeyBank branch was to contact me with an affidavit form to fill out and get notarized. No on had ever contacted me nor informed me of an affidavit to be completed. Received the affidavit/sworn statement from fraud via email in the following days. 
XXXX : Email sent to branch manager XXXX XXXX branch # XXXX ( XXXX XXXX XXXX XXXX OH XXXX ) w/ affidavit completed and notarized properly. Case was reopened. 
XXXX : I followed up with XXXX, branch manager, via email due to no response. 
XXXX : First response from XXXX. She sent and addition affidavit for me to complete and get notarized. 
XXXX : I sent XXXX via email the second affidavit notarized and completed. 
XXXX : I followed up with XXXX again since no response since XXXX XXXX : XXXX emails mw with an update from the fraud department stating that the case is " still in progress and these can take up to 90 days to resolve '' XXXX : I follow up with XXXX to check on case XXXX : A coworker checked on fraud progress, still under review XXXX : XXXX contacts fraud department for update XXXX : I contact fraud department for update. They state they can not disclose any information to me, must be given to me via branch manager XXXX. 
XXXX : Follow up from XXXX, case was closed, no reason given. She escalated the case to " Executive Client Relations Team '' XXXX : I followed up with fraud department. Again they said case was close but could not disclose information as to why. 
XXXX : I emailed XXXX with request to speak live on the matter. No response. 
XXXX : I emailed XXXX with request to speak live again. She emails back stating she followed up with fraud and that the case manager covering my case was out on vacation and could not give me any updates. 
XXXX : I reached out to fraud department myself to check status. Someone finally gives me information that they are missing and affidavit that XXXX was supposed to send to them. I offer to send them the affidavit, I had completed on 2-4. They say they can not accept it unless it s from an internal KeyBank email. 
XXXX : I call XXXX, no answer. I leave voice mail to contact me ASAP about affidavit form.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific items 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 items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$610.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8800.00} XXXX  XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Ive noticed I still have fraudulent accounts showing on my credit report. Ive never lived or have any knowledge pertaining to the Agency or Debt ( XXXX XXXX. ) Ive only ever lived at the 2 address below. 
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX my mother Name XXXX XXXX Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX Dates XXXX
Product: Credit reporting or other personal consumer reports

Trans Union has included negative information reported by XXXX XXXX on my credit file, despite the fact that I never provided consent or signed any application authorizing this agency to report such information. I have requested proof of a signed application or contract, including my valid drivers license, but neither Trans Union nor the reporting agency has provided this evidence. This raises serious concerns about Trans Unions compliance with FCRA regulations regarding permissible purposes for accessing and reporting consumer credit information. The unauthorized reporting of this information has negatively impacted my credit score and financial standing, causing undue hardship. Again, I have not given them the authority to access or report any information related to me pursuant to the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report immediately.. I respectfully request that the CFPB investigate Trans Unions practices in this case and take the necessary actions to have this derogatory information removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$6700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX Balance : {$81.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX Balance : {$340.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$120.00}
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : Account # : - XXXX XXXX  / Account # : - XXXX XXXX XXXX XXXX / Account # : - XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - Account # : - XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) / Account # : - XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) - Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) / Account # : - XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX / Account # : - XXXX XXXX XXXX XXXX XXXX Account # : - XXXX XXXX / Account XXXX XXXX - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Credit reporting or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX  Account Number : XXXX It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX. My husband, XXXX who is a XXXX vet, loss income in XXXX due to COVID. We managed to pay the mortgage until savings depleted. Then had no choice but to apply for COVID hardship in XX/XX/XXXX. 
XXXX XXXX Loss Mitigation approved us for COVID-19 forbearance which stated that any suspended payments would be added to the maturity date of the loan and no lates would be reported to credit agencies. 
XX/XX/XXXX, we regained income XX/XX/XXXX resumed payments and have since paid timely XX/XX/XXXX received notice to pay missed payments and when we contacted the collection company, they said that the mortgage company showed us as owing a balloon payment. We have tried calling XXXX XXXX to figure out how this happened, but lines are always busy. 
XX/XX/XXXX account sent to collections and 30 day late reported to credit agencies. We contacted a HUD XXXX XXXX who placed several calls/messages to XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX to explain that late/suspended payments due to loss income as a result of the pandemic are not supposed to be reported to the credit agencies. 
XX/XX/XXXX, and XXXX XXXX, called again. Was able to speak to Loss Mitigation XXXX ( XXXXXXXX XXXX  XXXX ) who research our account and explained that someone pushed a payment deferral which caused the problem. 
XX/XX/XXXX Problem still not fixed and collections continues to report late payments to credit agencies. PLEASE HELP US.
Product: Debt collection

Multiple accounts on my credit report appear to have been added without my approval and are false. Please delete and block these fraudulent entries now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I have fraudulent accounts on my credit profile, incorrect address, incorrect employers, and incorrect personal information. These accounts such as XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and fraudelent bankruptcy listing.
Product: Credit card

In my complaint I sent a 50 page fax to back up what I said to the banker when they took my complaint what the bank is saying they didnt receive documents stating what I was suppose to receive and how was different then what I got apparently they cant read because its one in my statement to the baker who took complaint and they didnt recieve documents with specific cancellation information that is also in the papers I sent them they merchant never sent me my second item after I complain to him his tune is garbage he merchant breached the contract by not sending me my second two and his first one was trash. All this is listed in the paperwork I sent them.
Product: Money transfer, virtual currency, or money service

Venmo took {$350.00} from me because a customer of mine paid me {$350.00}, via Venmo, Venmo then takes {$350.00} out of my customers account XXXX ( duplicate transaction on a debit card ) instead of once, so she has {$700.00} total come out of her checking account. My customer disputes the transaction, 1 of the 2 charges. Venmo takes {$350.00} out of my account and gives the money back to my customer still keeping the other {$350.00}.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

XXXX XXXX XXXXXXXX - {$660.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX  XXXX - {$0.00} XXXX XXXX  XXXX - {$0.00} XXXX XXXX XXXXXXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - {$170.00}
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The Experian and XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX Account Balance : {$32000.00}
Product: Credit card

Good evening, My Wells Fargo account was closed. I called into Wells Fargo to expedite several pending charges to clear. The agent I spoke to submitted a dispute on all pending charges. I did not want this to happen. I called back to cancel the dispute. I also attempted to do a balance transfer. For some reason an account that I had opened years ago that is now closed with XXXX bank was an option listed. This chase account was closed. I accidentally selected this option for the balance transfer since it was only few options. This was marked as fraudulent from Wells. See attached. None of these actions were intentional but Wells Fargo ended XXXX year relationship over this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Texas Attorney General 's office and followed up/submitted a written complaint. 

XXXX/XXXX/Experian -- Failed to correct my credit score. REGARDLESS if the information is correct or NOT the creditor should NOT be allowed to update as if it is a NEW hit. Updating an item that is 5 years old as if it is new is illegal. Hence the reason the attorney general is now involved. I shared the attachments that showed the creditor updated for another 7 years FROM XX/XX/XXXX and then went back and corrected as if they did not do such. My score should be restored!! 

XXXX  XXXX - Regarding two ( 2 ) different accounts ending in XXXX & XXXX. Both accounts were opened XX/XX/XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XXXX. However, XXXX XXXX, re-aged the debt and reported it as if the debt was charged off in XXXX. This detriment to my credit report for this illegal act was a total loss of 71 points. XXXX XXXX account # XXXX is also is in violation of re-aging the debt as well. The account was charged off in XX/XX/XXXX. The detriment to my credit report for this illegal act was a total loss of 71. See exhibits on initial complaint.
Product: Checking or savings account

I found some fraudulent charges on my Wells Fargo statement and went into the bank for help. My banker told me to go home and look at all of my statements for any other discrepancies and come back. I found over {$1000.00} of unrecognized/unauthorized charges going back about one year. I highlighted the questionable charges and went back to the bank. The banker then told me to go home and call these companies and try to get resolution. I went home and called the legit companies such as XXXX and XXXX. The other companies had no number to contact them.I went back into the bank and the banker also tried to locate the companies by online search, to no avail. He called the fraud department and helped me submit a claim. I was refunded {$120.00} and never heard back from fraud department regarding the remaining charges. I called today and was told by XXXX in XXXX department they refunded the {$120.00} but aren't even going to look into other claims because they are more than 60 days old. My banker never said there was a time limit and encouraged me to research this. This is not the first time I have had either fraudulent charges or attempts to charge against my account that was stopped. One of the fraud charges I was told they were coming in " through the back door '' of the bank. I am not sure what that means
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking through my credit report I see there's addresses that I've never resided, Please take this request to look at it and have them removed from my personal section of my credit report. I appreciate the time taken to view my complaint, thank you.
Product: Debt collection

I 'm not sure if this is considered impersonating, but I received a letter on XXXX/XXXX/2016 from XXXX XXXX. The letter stated I owed over {$1600.00} to XXXX. I have never had XXXX in my life. They spelled my name wrong, and I ca n't get a hold of anybody. I also called XXXX, and talked to the collections department, where they could not find my name, the name it was supposedly under, or anything of that nature, and they were looking at every account they 've ever had. XXXX ( who I supposedly had the account with ) has no record of me whatsoever. When I asked if they do business with XXXX, they stated they do business with XXXX in the state XXXX so if I ever did get a collection notice ( which, she stated, was impossible from XXXX because she looked, and I never had an account ) to disregard it, which is exactly what I 'm going to do. However, I would appreciate an explanation as to why this company is exploiting and butchering my name.
Product: Debt collection

XXXX XXXX repeatedly calls to speak with " XXXX '' who does not live at this telephone number.
Product: Debt collection

Portfolio Recovery Associates tried to sue me for a debt they couldnt prove they say I owed. They froze my assets, made me miss payments on my bills and unable to take money out the bank. They sued me and had me go to court for something they couldnt provide proof. I also was getting constant harassing calls and letters after I told them not to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Transunion several times about these inaccurate collections that's reporting on my credit report.They sent me a letter stating they verified the information.they did not send me the original documents that was signed in which violates my hippa rights, At this moment I'm not threating to take legal actions against Transunion.I will because i have the paperwork to prove they have violated me as the consumer and made false allegations to keep this reporting on my credit report