23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I recently found out that my name was attached and associated with 3 consumer reporting agencies, XXXX XXXX, XXXX XXXX, and XXXX. I have called XXXX they have a check in the amount of XXXX that was wrote on XX/XX/2014, associated with my ID found this out while I went to XXXX to cash a check as I have been doing many years they cant verify an address on file NONE of the addresses i have given them is tied to me, I called XXXX XXXX they gave a bank account that was opened in 2014 with fifth third, I wasnt even in XXXX yet, I disputed this issue with them and they are saying its accurate and its not, I want my signature to be verified, and what ID and address was used, the same for XXXX XXXX its so frustrating all of a sudden I cant cash checks at XXXX or XXXX due to fraudulent accounts Ive never wrote a check in my life and Ive NEVER had a fifth third account. I want this removed from my name, how is it even possible I got 2 different fraudulent items in 2 different cities I can ONLY be at one place at ONE time! I just want them to detach these accounts from reporting against me because they are NOT mines and I do not write checks let alone shop at XXXX and never have I ever been declined to cash a check until recently. I want this fixed, its a negative on me and I do not like it especially since these accounts have nothing to do with me.
Product: Credit reporting or other personal consumer reports

I just reviewed my credit report as usual, only to discover an unauthorized inquiry that shouldnt be there. I dont understand why this happened, and its extremely upsetting. I tried refreshing my browser, thinking it might be a glitch, but the issue persists. I demand a prompt review of the documents Ive sent so that I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date : XX/XX/2019 Subject : FORMAL COMPLAINT AGAINST Transunion To whom it should concern : I reserve all my rights including but not limited to rejecting, disputing and complaining about the following statements by TranUnion credit bureau I reference to a CFPB case XXXX Against this same credit bureau : We have reviewed your complaint along with the information you previously provided regarding this issue. On XX/XX/2019 and XX/XX/2019 XXXX XXXX, # XXXX was notified of your disputes. In response to the investigations, the disputed information was verified or updated accordingly and the results were forwarded to you for review. According to our records, you have a pending investigation which will be completed on/or before XX/XX/2019. They will verify the accuracy of the items and inform TransUnion of their results. When the investigation is complete, you will receive the results at the current mailing address we have on file for you. In reference to acct # XXXX : TransUnion stores information which is supplied by creditors who subscribe to our services, and TransUnion has certified the accuracy of their information. Creditors usually report account information to us through computer tapes. New accounts may take four to six months from the opening date to appear on a credit report. If you would like a specific creditor to report account information to TransUnion, you may wish  to contact them directly. If the creditor is a member of our services, you can request that this creditor voluntarily report the account information to us. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX XX/XX/XXXXXXXX XXXX  ET. Please visit http : //transunion.com/consumerfaqs for frequently asked questions about your credit report. 
XXXX - - I disagree with TransUnion XXXX TransUnion Insisted to keep incomplete and/or inaccurate information on my credit records it administers and by that TranUnion violates the FCRA, applicable consumers rights and in a reckless manner. I reserve all my rights including my right to sue TransUnion for priceless damages and losses caused by its involvement in violating many rights of mine asserted by FCRA and other laws. 


Thank you, The plaintiff XX/XX/2019 **All stated herein is to plaintiff current states belief knowledge and understanding and it is all subject to any change or correction or anything and only by him or his counsel or representative and without any notice and without waiving his rights. Notice of Confidentiality : The information contained in this transmission is privileged and might not be used in any way and for any purpose and by anyone other than the plaintiff or his representative.This transmission is protected under the Privacy Act. 
XXXX XXXX All Mr. XXXX rights Reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unauthorized account was removed from my credit report. National Credit Systems reduced the account by XXXX, added a fraudulent address to my credit report, and added it back to my credit file. XXXX  allowed this to happen.
Product: Debt collection

TOD AYS DATE: XX/XX/XXXX    XXXX   XXXX   XXXX   SOC SEC #  XXXX  DOB  XX/XX/XXXX  ADDRESS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX  I.C. SYSTEM INC.    Your company have violated FCR  A 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.     The reference items are listed below please take this matter very serious I.C. SYSTEM INC.   I have report your company to  consumerfinance.gov  As a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX   XXXX   Telephone Consumer Protection Act Litigation, Case No.   XXXX  , in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report TODAYS DATE:  XXXX       XXXX   XXXX   XXXX    SOC SEC #  XXXX  DOB  XX/XX/XXXX  ADDRESS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon submitting my application for a home loan on XX/XX/XXXX, I noticed that my identity had been compromised and that several unknown accounts have been established under my name and social. 

So on XX/XX/XXXX I decided to contact the local police station and filed an Identity Report listing each company as follows : XXXX XX/XX/XXXX {$5700.00}, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$4700.00}XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX {$480.00}, XXXX XXXX XXXX XX/XX/XXXX {$930.00}, XXXX XXXX XXXX XX/XX/XXXX {$710.00} and XXXX XXXX XXXX XX/XX/XXXX. 

On XX/XX/XXXX, XXXX/XXXX and XX/XX/XXXX I've sent dispute letters to XXXX, Transunion and XXXX along with Identity Report as well as reach out to the above creditors and nothing has been resolved. As a result I can't purchase a home or establish new credit.
Product: Credit reporting or other personal consumer reports

I have contacted all three credit buerues and they have neglected to provide a resolution to taking down that account that is not mine and was open fraudulently and have neglected to contact me on behalf of those regards and I am suffering greatly due to there negligence and I am unable to use my credit to my aid any longer
Product: Debt collection

My name is XXXX XXXX and I am submitting new information as my rights have been violated and cfpb needs to make this company respect the law. 

This is related to case # XXXX Under section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) once I submitted my Affidavit Of Identity theft form, that I have sent over to this company more than once now, this account was supposed to be removed and closed out. 

The most they have done is shown my balance is XXXX. That is fine, but that does help my situation. Under the Fair Credit Reporting Act, I am supposed to be protected against negative remarks that have been placed with the CRA 'S per this fraudulent account. since the company has had more then 30 days to remove this account due to me being protected under 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), I now want CFPB to enforce this law and demand this account be removed from all Cra 's . 

The company has already stated the balance is XXXX, and account has been discharged. so there is no harm in removing this negative account from my profile, especially if I state the account is Fraudulent and have filled out affidavit stating so and under 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) I am suppose to be protected. So demand removal asap and updated reports be sent out once completed. Next step would be to file complaint with state attorney office and press charges against this company for discrimination and completely violating my rights and pursuing to report fraudulent activity on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report on XX/XX/22 and it says I have two accounts which is wrong sense I have only one card. Then it also says that there is a revolving credit which is not right with a balance of {$35.00} and a credit limit of {$1000.00}. I have never seen or recognized this at all. I think something is not right here. I only have one credit card and two debit cards
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, mandates the removal of any incorrect accounts from my credit report. Could you verify the documents? Some of the accounts listed are inaccurate in terms of reporting, including incorrect amounts and dates.
Product: Debt collection

I AM DEMANDING THAT YOU CEASE AND DESIST ALL COMMUNICATIONS WITH ME THE CONSUMER VIA MAIL, TELEPHONE, SOCIAL MEDIA AND/OR EMAIL. I am demanding and requesting that CITIBANK/CBNA CEASE ALL DEBTS AND COMMUNICATIONS. IF YOU CONTACT ME YOU WILL BE VIOLATING MY CONSUMER RIGHTS. CEASE ALL COMMUNICATIONS PURSUANT TO 15 USC 1692c ( C ) ( 1 ) ( 2 ) ( 3 ) ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Credit reporting or other personal consumer reports

I am having a problem getting my free annual credit report from Lexis Nexis. I want Lexis Nexis to mail me a complete copy of my consumer report.
Product: Checking or savings account

I got my tax refund and my stimulus check and XXXX XXXX XXXX XXXX sent it to my bank account that was no longer accessible they closed it because I owed money. And the bank took my tax refund and stimulates check for the economic relief. How if possible can I get this money back? The irs sent it to XXXX XXXX XXXX XXXX  then XXXX XXXX XXXX XXXX sent it to my closed account. I had called them before hand and explained that my account was closed and asked if it was any other way I could get my funds without them sending it to that account but they said it was nothing they could do. So the bank just took the money because I was in the negative.
Product: Debt collection

I received a letter from Vance and Huffman saying I owe a debt. I disputed the account in question and did not hear back from them. I found out today that there is a collection on my credit. Called them and a person answered stating they are with a law office and her name and how she may direct the call. Come to find out that they are not a law office but in fact a third-party debt collector. Spoke to XXXX XXXX and he gave me the login to look at the documents. In the document list is a Credit Disclosure that is not even for me. This concerns me because I have no relation to this person and makes me worried about what information of mine has been leaked to others from this company. I brought this to the attention of XXXX XXXX and he boastfully denied that this ever happens, and they do not make mistakes. I have the screen shots of it showing on the portal. They are not willing to remove the account from my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent : XXXX XXXX {$180.00}
Product: Credit card or prepaid card

I had two cards, one with XXXX XXXX, the other with XXXX both owned by Synchrony. 

I would receive late notices with fees added but no original bill. 

I would pay and the same happened again. 

I now paid off both cards with no real intention on using them again I received notice XXXX that one of the cards is being cancelled due to late payments ( kind of convenient now that there is no balance ) and that my credit score was affected. 

Just hope Synchrony is not allowed to go on doing this to people and making millions of dollars doing it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and inconsistent reporting on my credit file with Experian. Upon review of my credit report generated on XX/XX/XXXX, I have identified several errors and discrepancies in how the accounts are reported. Below are the specific details of my dispute : Collection Account : Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). 
Issue : This account is reported as a collection with a balance of {$190.00}. I do not recognize this debt, nor have I received prior communication about it. I request validation of this debt and documentation confirming its legitimacy. 
High Credit Utilization : XXXX XXXX XXXX XXXX : Reported as 107 % utilization with a balance of {$530.00} against a {$500.00} limit. 
XXXX XXXXXXXX : Reported as 100 % utilization with a balance of {$4700.00} against a {$4700.00} limit. 
Issue : Recent payments were made, but they are not reflected in the reported balances. This reporting inaccurately inflates my credit utilization and negatively impacts my score. 
Late Payments and Delinquencies : XXXX XXXX XXXX : XXXX late payments with {$1700.00} past due. 
XXXX XXXX XXXX : XXXX late payments with {$520.00} past due. 
XXXX XXXX : XXXX late payments with {$1100.00} past due. 
Issue : These accounts contain excessive late payments that XXXX not reflect accurate payment history. I request validation and adjustment to accurately reflect my payment record. 
Closed Accounts with Reporting Issues XXXX XXXX  : Closed at the credit grantor 's request with a {$96.00} past due balance. 
Self/Atlantic Capital XXXX Previously closed but contains discrepancies in reported payments. 
Issue : These accounts appear to reflect inaccurate statuses and past-due balances that are not consistent with my payment history. 
Hard Inquiries : Multiple inquiries, including from XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), remain on my report despite no accounts being opened. 
Issue : These inquiries should be removed if unauthorized or outdated.
Product: Debt collection

I have tried for over 2 years to have this company properly verify the debt without success. I requested my original contract with my alleged lender and proof to validate that they properly are authorized to collect on this alleged debt. No information was ever validated or received.
Product: Credit reporting or other personal consumer reports

Back in XX/XX/XXXX I was notified of a breach of DATA with XXXX and XXXX. I promptly notified and the credit bureaus and filed and FTC ID AFFIDAVIT. 
This has been on my report for over 2 years without resolution. 

The credit reporting TRANSUNION has put on credit has been a blatant viloation and fraud against my consumer rights. 

I have sent ID and requested my address to be corrected but TRANSUNION continues to violate my privacy and rights by keeping a known erroneous address. 

My address is : XXXX XXXX XXXX XXXX XXXX, CA XXXX a single family home. 

Transunion is reporting my address as an Apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX {$3900.00} is reporting Date of OPEN XXXX w Date Closed XXXX Date of Last Activity XX/XX/XXXX Thisis illegally reaged account. 

They sent me their invetagtion and said these accounts are complete and accurate. 

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 ( ii ) 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 is suppose to happen ( 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. 

Transunion rdid not reinvestigate, they lied on an offical document saying they did something they did not do and I have evidence to prove my case. 

I have attached my credit reports from other bureaus, because TRANSUNION has not given me any way to dispute online or provided any free credit reports as they have stipulated to consumers. 

I want the account deleted and address corrected. 

I will take this to a lawyer to sue for the blatant of violations of my rights if corrected. 

Attached are the credit report showing the blatant fraud and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

PennyMac Financial Services ( PENNYMAC LOAN SERVICES ) claimed I did not make my mortgage payment in XXXX, 2017. 

I made one payment on XX/XX/2017 to XXXX XXXX XXXX  XXXX XXXX ( the original lender ) and a second payment on XX/XX/2017 to PennyMac.

I realized at a later date that PennyMac had reported my payment as late which is inaccurate. I have reached out to PennyMac and the credit agencies several times to get this removed. However, it remains reported late.
Product: Mortgage

Back in XXXX 2017, Bank of America sent me paperwork stating my loan was eligible for a recalculation or recast. I 'll add attachment to this complaint. I received paperwork, signed paperwork and sent back to BOA. BOA stated they received early XXXX 2017.
On X/X/17 I called BOA to check on changes to my account for the recast because paperwork stated it would be on around XXXX 2017. Representative state she did not know why I have not received paperwork to finalize and she would escalate the matter to have notarized paperwork sent. I never received anything. On XXXX/XXXX/17  asked about recast paperwork and when I would receive. Representative stated request would be made and will be sent me me within 48 hours. Believe I spoke to a person by the name of XXXX, she stated she re-sent request or recast to be sent to me and copied her manager/management. Still received no information from BOA. On XXXX/XXXX/17 I called BOA and representative stated my loan was not eligible for recast! If you see on attachment for eligible credentials, I have all of them!!!!! My loan is current, has been in good standing for years, and all incentive would be applied to my loan.
BOA should not be able to notify you TWICE with recast paperwork ( received attached paperwork twice in the mail from BOA ) and then state I was not eligible.