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

All three credit reporting bureaus were notified accompanied by legal documentation that my legal name is " XXXX '' but they are reporting my married name. I can not and have not used " XXXX, '' since being legally divorced in XXXX. I have resumed the use of my maiden name, in the court of law. I can not legally use " XXXX '' and do not have any documentation with that name attached. Neither should these reports. Its been 23 years since I used " XXXX '' and my ex husband is now deceased too. My legal name is " XXXX. '' I have asked all three reporting agencies to remove XXXX but they refuse to. Instead, they add it along with 20 different phone numbers that are not relevant. I do not have access to these phone numbers, 10 or addresses I do not have access too either. This must stop at once because, when asked, I can not verify my identity due to all these different address and phone numbers and name that's not legally mine. After 2 written letters to dispute this incorrect information, I feel harassed at this point. This is the 2nd notice I've sent requesting that my personal information be corrected. I am trying to purchase a home soon and 10 or more phone numbers and addresses makes me look like a fugitive and unstable. When my husband was living, we did move quite often because he was in the military ( XXXX ). But again, that was over 25 years ago. I sent a copy of my federal ID and social security number. Along with supporting documentation as proof of my resident and phone number and legal name.
Product: Debt collection

You didn't have a option for me to select. XXXX XXXX XXXX  is reporting an old debt monthly as if the account is active or still open. The debt has been closed. I have the fact that they can pit whatever on my report monthly. Who gives them the authority to do This? Is reported m monthly on my XXXX and XXXX accounts. Those accounts are closed and should not be reported every month saying I'm late.
Product: Money transfer, virtual currency, or money service

Money was taken from account. Unauthorized charges. Payments not received or returned to my account. Unable to dispute unauthorized charges.
Product: Debt collection

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by CB-XXXX. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021, via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted a complaint regarding this matter unfortunately I wasn't able to follow up on it on time. 

Both XXXX and XXXX  have been reporting inaccurate information on my report.. 
The are listing an Account with XXXX XXXX and a second one with XXXX as being good standing and pay as agreed when it's not the case. 
The account with XXXX is not mine and was fraudulently opened. I have contacted XXXX probably 10-15 both personally and via regulating agency without any success. 
The Account with XXXX XXXX is legitimately mine ; however they never reply or acknowledge any request to help assist how the fraudulent charges were committed in order to assist me with filing a police report. 
I have contacted both reporting agency multiple without any success, Both agency are claiming that I am paying on those account which is also false. The last time I make any charges on payment on the XXXX XXXX Account was probably in XXXX or XXXX and the Account with XXXX is not mine. 

I spent hours initiating dispute with XXXX online only to find out at the end that this service is currently unavailable and I always end up sending everything by certified mail. I am requesting that both agency investigate this matter seriously and remove the incorrect info from my record. 

Also there are numerous discrepancy with my Mortgage payment history since XX/XX/XXXX, always payed my Mortgage ahead of schedule I have also provided both agency with a payment history regarding this matter.
Product: Checking or savings account

Wells Fargo and XXXX XXXX XXXX have opened accounts using my previous information at a time when I have banked with each of the banks at one point in my life. Employees From both these branches have re opened account without my permission to gain monthly bonuses and meet the monthly requirement as an employee, the banks also gained off victims like myself by opening fake accounts it showed growth in banks overall gained interest in stocks to go up, collected fees from fake accounts, caused my credit score to drop damaging my life. Wells Fargo has offered to settle the matter with a refund that I dont agree with. The amount is low for the all the harm these banks have caused my family. I wanted to settle the matter in court but unfortunately these banks are protected from doing so.
Product: Debt collection

The information being reported on my credit report is incorrect and the debt does not belong to me. Amongst my many attempts to resolve this issue with the proceeding companies, no progress has been made in lieu of providing the proper documentation, bearing my signature, proving my involvement with the debt being reported. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. None of the items or transactions are related to any transactions completed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax XXXX XXXX  and may have got into the hands of the wrong person.
Product: Student loan

In XX/XX/XXXX, I applied for a new loan repayment type through Mohela. I received an automated response on XX/XX/XXXX, stating, " Your recent request has been received and is expected to be processed within the next XXXX business days. '' That is the only response I have received to date, XX/XX/XXXX. I attempted to contact Mohela multiple times and sent messages through the online portal, but I still have received zero response and no movement on my application. I'm being charged about {$200.00} per month more than the other program estimator says I'd be charged, if qualified. Additionally, Mohela did not have my account information accessible until around XX/XX/XXXX, indicating I applied as soon as possible for the new program once my account was visible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recieved mail with information that is not mine please remove the following items : XXXX  XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 ADVANTAGE/ADVANTAGE CR Date of inquiry : XX/XX/2020
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

Discover cashed my paycheck that was issued to me on XX/XX/2022 ( pending case with the District Attorney in XXXX XXXX for Bank Fraud and XXXX XXXX Police Department ). I am a victim of identity theft as well as mail fraud. I began to recieve my mail to the correct address and received correspondance from Discover stated that " unusual activity was detected on your account. '' It stated to call immediately, which I did, and waited on hold for 2 hours one day, 1 hour and 30 minutes another day, 2 hours the next day and an 1 hour and 15 minutes today. I have yet to speak to anyone about this matter, which is an account that was not opened by me. I have never banked with this institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud account on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The account is not showing in dispute nor is it removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the account to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
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. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law.. Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge. 

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

Called creditors with fraudulent inquiries on my report namely XXXX as well as the Bureaus. The creditors do not show any accounts with my name and XXXX will not remove the inquiries. They want the creditors to provide me with a letter which they are stating they can not provide because I do not have an account. I did not apply with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX or Capital 1 Walmart
Product: Checking or savings account

TD Bank has sent me a debt collection letter notifying me my account is overdrawn. The account is overdrawn due to TD Bank maintenance fees NOT due to my error. The account was drawn down to XXXX in XXXX and now I am being charged for an account that should be closed. I have written to TD in XXXX Maine with NO response to my inquiry. I would like this account closed and the fees waived.
Product: Checking or savings account

While I am on vacation I noticed a debit card purchase that I bought through XXXX  I was issued a recurring payment that stated the funds in the amount of {$84.00} that would be withdrawn from on my account that it was a one time purchase. Upon reviewing my bank statement and seeing this was a recurring payment I first contacted Wells Fargo who basically told me there is nothing they could do to help me because it was a 3rd party charge and basically rushed me off the phone and advised the 3rd party to request a a stop hold, which I did. They advised I contact XXXX or Wells Fargo as the only way I could stop a payment is through them. XXXX was almost impossible to get to get in contact with but I managed. Again advised this was an issue with Wells Fargo and it would be an internal review that would take a look at the claim within 48 business hours and that my checking account could be hit again aand again with automatic debtors on my checking/debit card account until the issue was resolved through Wells Fargo. I contacted Wells Fargo back who seemed very combative and did not wish to positively resolve the issue with a seemingly easy result. The representative was almost argumentative in way I had to say and was told there was nothing he could do but put a freeze on the account and possibly stop the funds from being withdrawn again. POSSIBLY, really! I explained my story over the 2nd and 3rd and 4th members of the management team who only had the same useless explanation. They told me there are 0 guarantees that my money would be refunded if debits again and may have to be reviewed again by other department. Totally unacceptable that I would call and waste several hours of my vacation time to fight with a financial institution about the protection and guarnttee of my money that is deposited into a protected financial account. The only names I was able to retrieve were XXXX XXXX, who forced me into listening to a XXXX   disclosure, followed by XXXX, then XXXX who all seemed to back XXXX b/c he was forced into reading me a disclosure b/c he was forced to to cover his supervisors XXXX, which was used against me whenever I had something to say that I was read a disclosure I never agreed to to listen to! What a joke! I hope you can listen to these calls and teach Wells Fargo employees how to act and be truthful to their customers! Bye, bye Wells Fargo! Hope you all can whip theses guys into shape into being a successful bank again!
Product: Payday loan, title loan, personal loan, or advance loan

The loan was taken out in between XXXX, with TitleMax. The interest was so high for my monthly payments. I had to turn my car in due to not being able to afford the monthly fees. {$500.00} plus was the monthly payments and way higher than for the amount of the loan that I was taken out on the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a debt consolidation loan today, XX/XX/XXXX, and Experian has reported that I have a serious delinquency on my credit report. I have seen this shown on my credit reports before and I am unaware of any delinquencies as I have been making payments on time for 10 years. I want to know what delinquency it is referring to and get it cleared from my credit report. I had one delinquency in XXXX with the Veteran 's Affairs that was cleared almost immediately and I was wondering if this is the source of my current " serious delinquency ''.
Product: Debt collection

I have not been notified about this at all. I left all the right information for mailing, they have my phone number. Yet I received no notice of this. To top it off the balance is INCORRECT. I moved out XX/XX/year> officially and was notifed the balance would be updated. I am furious because the rental property is telling me it is out of their hands now.
Product: Debt collection

I started to receive debt collections and notice on a debt I wasn't aware of. XXXX XXXX never sent a statement or called me about the balance. I don't mind paying the balance and would have paid it if I knew about it. I want this collections off my credit report.
Product: Credit reporting or other personal consumer reports

I've identified some late payment inaccuracies on my credit report that don't align with my payment pattern. Please adjust my account to correct these billing mistakes.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX someone spend {$1900.00} at 2 different XXXX one was declaine and the other was not. This was in a town about 1hrs from where I live, but that day I was working and I was on the other side of town about 2hrs from where this transactions took place at XXXX I try to put gas and my card did not work and then I started getting text messages saying to verify some of the purchases, with a yes if it had been me using my card or no if one or more transactions where not mine. I reply NO and called the fraud department, the lady that answer the phone said not to worry it was obvious that it was a fraud and that Ill get all my money back. I told her I need it that money back on my account because I had to close my house on XX/XX/XXXX. I got the money credit back to my account on the XX/XX/XXXX or XX/XX/XXXX then I got a letter saying that they had concluded the investigations and in their conclusion there was no fraud made in my account I called and had them re-open my account went and got a police report I called a few times to check on the status and all they said was we are working on it, till today XX/XX/XXXX i got an email saying they have concluded the investigation and I was still responsable for the {$950.00} of the transaction that was approved because apparently they had my card and my PIN number. I had never given my pin to anyone and I had the card with me all the time. This was with Bank of America I closed all my account with them already.
Product: Debt collection

I have looked over my Credit Reports and found some negative accounts that are not connected to me and I will like for these accounts to be DELETED Now! 
I Never gave my permisson for any third party or collection agency ton put anything on my Report without my permission. I understand that the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection practices Act 15 U.S.C. 1692. it states that I have the rights to have the correct Information put on my report and my righgts have been violated!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 
Thanks.
Product: Debt collection

The account has been sold off to numerous account holders. This recent debt collector reported the account on my credit without any notification at all. The debt collection agency is Consumer Adjustment Co. I have never had any business with this company at all.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States i have a 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX my Transunion FICO score was XXXX ( XXXX   XXXX ) On XX/XX/XXXX my Transunion FICO score was XXXX. A drop of 33 points in one week. 
My score had been increasing steadily for the past 6-12 months.

Each of the six factors used to calculate the score either remained the same or improved.

There are ( 0 ) derogatory remarks, and my payment history is 100 %. Credit card use declined. 

Despite several calls, Transunion is either unable or unwilling to explain the huge drop. Their dispute process only allows for individual line item questions. I feel that there must be some internal data snafu, or calculation error. 

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

I wrote and had notarized a signed letter and sent it via certified mail through the USPS to Transunion. The letter was received by Transunion on XX/XX/2019. 
The letter requested the physical verification of creditors and the information be sent to me of their legal ability to collect a debt and/or physical proof verifying of these debts so that they may be removed from my credit report or remain listed. Some of these unverifiable accounts were deleted while some of these unverifiable accounts remain. After further review, there are a total of 8 accounts now listed on my credit report that can not be verified as belonging to me. 
The letter also requested my legal name be corrected and any/all not-correct names be deleted. Correcting my name was not performed. 
The letter also requested incorrect addresses be deleted, the requested revisions were performed but on further review I have now found two more incorrect addresses that need to be deleted. 
The letter also requested verification of several hard inquiries and the physical proof of applying for credit be sent to me. I have not received verification of application for credit nor have I received information that they were removed from my report. 
The letter also requested my personal information cease being sold to marketers by placing a Promotional Suppression on my personal information. I have not received written notice that they are in compliance with my request. 
The letter requested telephone numbers that were listed that were not mine to be deleted from my report. Upon inspection of my report those phone number have been deleted. 
To date I have not received physical proof validating any requests of a physical proof. Transunion, did however email me a link to view my updated credit report - but I have not received a physical copy of it. The only physical letter received from Transunion was dated XX/XX/2019 saying that because I had previously submitted and electronic dispute of the listed addresses on XX/XX/2019 that by law now had an additional 15-days to complete the investigation.
Product: Credit reporting or other personal consumer reports

I have contacted capital one about my credit report because a balance is still reporting as a CHARGE OFF. Capital one has have failed to send me 1099 debt cancellation form which proves that they reported these balances as a loss to the irs but they are STILL reporting a balance.