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

I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit score was low. I told him to show me my score and report. There are items on my credit that do not belong to me. These items need to be removed. 

XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$60.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXXXXXXXXXXXXXXXXX {$60000.00} XXXX XXXX {$250.00} XXXX XXXX XXXX   XXXX {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with the accounts below. The current status should not be showing late payments because I paid it on time. EXPERIAN Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 


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

This is my numerous requests 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 an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX ) XXXX Balance : {$390.00} XXXX XX/XX/XXXX
Product: Credit card or prepaid card

About 5 days ago I got an agent on the phone that said he was with American Express. He started asking me for personal information and I told him I wasn't interested with American Express. He kept trying to get personal information and I told him I don't have to give it to him because I'm not interested. He said no problem. XX/XX/19 I received 11 different envelopes for me to fill out to join American Express. I was so angry.. I talked to a Rep today and she said to give this information to you and you would be able to help to clear up this situation. I had no idea people trying to get people to join could be so ruthless! I hope this story helps someone else.
Product: Debt collection

Hello so I am at work as a customer service agent and a call comes into my queue and I pick up. They say their introduction that the call is being monitored then ask are they speaking to me and asked me to verify the last XXXX of my social then proceed to say they are calling about a debt that I owe. I proceed to inform the representative who stated his name is XXXX XXXX, that I am at work and that they are calling my job and not even HR but a call queue that is used for actual customers who need help and I have never provided my work job for those purposes and never gave permission for anyone to call my job especially when they have my personal number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has reported a judgement against me that should not be there I have disputed over and over and I get validated. How can this be validated? Other credit agencies are not reporting XXXX Bankruptcy Discharged 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. I am worn-out of sending dispute letters to Transunion requesting that they correct this mistaken accounts being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/XXXX and to notify them that I am halfway of taking lawful action and litigate Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the accounts on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The accounts that should be adjusted are as follow : XXXX XXXXXXXX Date OpenedXXXX Balance : $ XXXX Late XXXXXXXX XXXX XXXXXXXX XXXX XXXX Open Date XX/XX/XXXX Balance : $ XXXX XXXX Date XX/XX/XXXX
Product: Mortgage

I have repeatedly requested a forbearance from Bank of America, and they have made multiple mistakes on my mortgage loan and forbearance process. On the first occasion they entered the wrong date, which had to be corrected after my complaints because the date error made me ineligible for forbearance. The second occasion the sent me the wrong paperwork. On the third occasion, they sent me the wrong paperwork again, and when I called them about it today, they were still entering the wrong program for my mortgage revision even after Ive contacted them multiple times to correct this. I fear that Bank of Americas repeated errors are going to cause my home to go into foreclosure. Every interaction Ive had with Bank of America during this process has revealed errors and incompetence in resolving my issue. I feel that I need protection from being forced or tricked into a foreclosure.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

Santander Consumer USA at XXXX XXXX XXXX, XXXX, TX XXXX has been reporting false closed account information in the amount of XXXX {$9000.00} ) the collection has been reported as XXXX balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
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. 

Account name : Account Number : 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 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 has violated my rights. 

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

I am currently in bankruptcy, with XXXX on my mortgage. I am making payments under the XXXX XXXX XXXX, and has never missed a payment in four years, i have repeatedly disputed this account with Experian about why it is still showing past due. They refuse to remove all past due payments, which are supposed to be remove under the chapter XXXX plan, This is the only credit bureau that i am having this problem with. I have pursued my legal rights under 15 USC Section 1681n or 1681o to comply with the law. Under the provisions of the Fair Credit Reporting Act. Please investigate and contact me please concerning this matter. Thank You.
Product: Credit reporting

My former name was XXXX XXXX XXXX. I changed my name to XXXX XXXX XXXX XXXX since I changed my name, my credit scores is not correct, its too low before it was excellent. 
Now I send to you with my attach officially name change document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud Department : Remove fraudulent accounts from my credit report.
Product: Debt collection

IQ Fata International Inc.

Company attempting to collect debt on something that does not belong to me. Ive asked for a signed lease agreement and they will not provide it. Shows opens XX/XX/year>. Every month the balance increases because they are charging me interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw fraudulent accounts XXXX opened on XX/XX/XXXX for the amount of {$490.00}, XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$13000.00}, XXXX opened on XX/XX/XXXX for the amount of {$300.00}, XXXX XXXX opened on XX/XX/XXXX for the amount of {$2300.00}, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX in the amount of {$430.00} and XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$1000.00}. I have disputed the above with all three credit bureaus. The above mentioned are still being reported as negative accounts trying to collect funds. These are not my accounts and under the Fair Credit Reporting Act, these fraudulent accounts need to be removed. The company I have hired to handle this issue has recently informed me that an identity theft affidavit has been sent off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to correct this problem. All three credit reporting companies are reporting a late status on the XXXX account on my credit report. The first inaccurateness is it was never late. Secondly each one is report a different month in which it was late. 
Experian-Account number-XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) XXXX has it marked late in XX/XX/XXXX XXXX-Account number XXXX XXXX XXXX ( XXXX XXXX XXXX ) has it marked late in XX/XX/XXXX XXXX-Account number XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) has it marked late in XX/XX/XXXX, but on XXXX XXXX XXXX  XXXX has it late as 0 times ( see attachment ). I have given documentation of the inaccurate reporting and the credit bureaus have still refused to follow guidelines set forth by FCRA and update the inaccurate information. 

I have also attempted to get in contact with XXXX XXXX XXXX ( XXXX XXXX XXXX ) per email ( request XXXX ) several times ; the last one being on XX/XX/XXXX requesting verification of the date when said late payment was deposited into their bank account ; ie a copy of your bank statement showing the date of deposit. I informed them If could not provide me with the documentation requested to validate said late payment then I requested the company remove the one late payment and update it as current. I finally got a response from XXXX on XX/XX/XXXX stating they are working on the issue after I contacted them again. As of today ' date, XXXX XXXX, I still have not heard from the company or received validation. 
I feel the credit bureaus and XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ) have not complied with FCRA laws in reference to this one late payment.
Product: Checking or savings account

Back in XXXX XXXX CFPB helped get my stimulus money returned from TD bank. I have a {$68.00}. XXXX XXXX XXXX deposited {$850.00} into a closed account. They used the original card I used at the hotel. XXXX cashed in a {$4700.00} certified cashiers check, and the bank still hasn't returned my XXXX XXXX refund. The refund was sent XXXX XXXX XXXX XXXX is the manager at XXXX  and XXXX sent the funds to closed TD bank account. your agency got my {$600.00} returned td bank is criminal they still haven't paid me my money from XXXX. They're at fault for not verifying that certified bank check and allowed it to come through. There were three refunds sent to the td bank account. 
XXXX did fraud she didn't close the account in XX/XX/XXXX the funds from TD went to it they also kept that. I'd like my XXXX XXXX  refund returned. TD bank is criminal fraud.
Product: Checking or savings account

My account was fraudulently used. I am a victim of identity theft. Someone walked into a branch impersonating me and deposited a fake check. Also during that time my accounts were compromised and money was transferred to unknown individuals. I notified the bank immediately same day of the fraud concern. I was told that they saw suspicious activity on my acct and was shutting it down. A few days later they emptied my personal account of {$7500.00} stating that it was being used to cover the money that was fraudulently taken from the account. I contacted them immediately and advised thats all the money I had to support my children and pay my bills. They did not care, advised me to file a claim and wait. Later they denied rage claim saying that I endorsed the check, and agreed to text. Although I shared during that time I had possession of my watch but not phone. Never got any notifications to my watch so I was unaware of those transactions. I requested video footage be pulled from bank, atm, and that everything be reversed due to fraud. Im literally being victimized twice. During my time with NFCU I have over XXXX in my account, i didnt authorize any of the charges, they keep denying the claim saying its no fraud but how is that when someone went into a branch impersonating and signed a check as me. Then I have proof that it was multiple devices that was logged into my cash app that I had to request be removed. No one can verify where the money was sent or reverse the transactions which makes no sense. NFCU has done nothing to help me as victim, instead they have victimized again by penalizing me for something that I notified them immediately of. I would like the fraud claim closed as approved ; my account adjusted and my money returned. I have multiple accounts and I refuse to do business with a company that does not protect its consumer.
Product: Credit reporting or other personal consumer reports

I believe there is an error in my credit report, as some of the information listed does not pertain to me. It appears that XXXX and TransUnion are not in compliance with the Fair Credit Reporting Act, as they have not removed these inaccurate items from my report. I am currently working to rectify this situation and ensure that my credit report accurately reflects my financial history.
Product: Credit reporting or other personal consumer reports

I sent a letter to TransUnion asking them to reinvestigate these accounts : XXXX XXXX # XXXX .They sent me their investigation and said these accounts are complete and accurate. 1-I have never been late with the payments XXXX XXXX company is lying.I had attach the evidence that every time I dispute this information XXXX XXXX XXXX moving the late payments date again and again. XXXX XXXX is reporting my account as a shared responsibility with XXXX XXXX XXXX XXXX who did not have a SSN and never live in the USA because she enter first time to XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX was opened at XXXX an I had attached official documentation that proof it. XXXX XXXX requested to the report agency to remove the account information in XXXX XXXX XXXX credit report and although I dispute this inaccurate information in my credit report XXXX XXXX update keeping the same information in my report, then they report different in a join account ( 2 COSTOMERS, SAME ACCOUNT, DIFERENT REPORT ). I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. TransUnion really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case.Please check the documentation added.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The account I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.
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. 
Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Acct Name : XXXX XXXX XXXX XXXXXXXX Acct Name : XXXX XXXX XXXX XXXX Acct Name : XXXX XXXX XXXX XXXX XXXX XXXX : Acct Name : # XXXX XXXXXXXX has violated my rights. 
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 I request all late payments be removed from my consumer report also, pursuant to 15 USC $ 1681a ( 2 ) ( A ) ( i ), which states the term " consumer report '' does not include " report containing information solely as to transactions or experiences between the consumer and the person making the report. '' The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form 1099c and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A.
Product: Prepaid card

I begin receiving text messages on XXXX/XXXX/15 from a Company call NetSpend. The first message said reply yes to enroll, thought I was deleting but hit reply button, but did not send I closed the message. Then I immediately begin receiving messages from them saying my card ending in XXXX is activated. The next XXXX message starting saying how much was available after a purchase at XXXX I received XXXX messages like this. I looked up NetSpend 's phone number on the internet, the person I spoke to said it was a prepaid card. She said these cards can be purchased at XXXX XXXX, XXXX, etc. I advised her I did not purchase their card and that this is Fraud. She advised that I text the number XXXX and send a message with the word STOP, which I did. I believe this company is committing fraud.