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

have called Transunion multiple times, as well as have submitted information on this matter. I have yet to get a response and I am over it. I did not authorize these inquiries on my credit report and I want them off. Transunion is supposed to protect my information and has failed to do so. 
XXXX  XXXX has ran my credit multiple times and had no authorization to do so. 

XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX and XX/XX/XXXX I dont even know what company this is and when I called then number its in XXXX and i dont speak XXXX. 
XXXX : XX/XX/XXXX I want these off my credit. Its hurting me to obtain anything because of this stuff
Product: Credit reporting, credit repair services, or other personal consumer reports

The information that is being displayed on Equifax credit bureaus report for my information is wrong and invalid. The other two bureaus have removed false information about my credit file. I have sent countless letters to Equifax and they will not remove the inaccurate items. I have been a victim of Identity theft. My information has also been taken from there own data breach which they have clarified themselves. If you could please assist in helping me remove the inaccurate item from my profile that would be great. 
XXXX XXXX- {$2400.00} XXXX XXXX {$2400.00} XXXX XXXX XXXX- {$750.00} and all hard inquiries before 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is refusing to remove 9 late payments that they claim were after my XXXX began, XX/XX/2016. The supposedly late payments are still inflicting emotional damages upon me because Im XXXX XXXX XXXX, they dont need to be adding insult to injury. Those 9 late payments still effect the repair of my credit and reputation.
Product: Credit reporting or other personal consumer reports

Case number : XXXX Capital One only addressed ONE account ending in XXXX. They failed to address other accounts ending in XXXX ; XXXX and XXXX. They also did not address the issue of refusing to allow me to change my registered mobile phone number which was changed over 18 months ago. Still to this day they refuse to change the number from the previous ( XXXX ) XXXX. This is outrageous. They ruined my credit score and now conveniently claim there was no contact. I have written confirmation form Capital One that they DID receive all the documentation they required to verify my identity and yet refused to process it. I also have phone company records that show I called them several times over the course of many months while residing overseas to resolve this simple issue of primary phone number change but they refused to help me. The attached pictures show the confirmation email showing I did send them the required documents as well as just three out of several calls I made to resolve the issue. They refused to take action. Capital One practices are unscrupulous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXXXXXX 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 XXXXXXXX Balance Owed XXXX XXXX XXXX OF XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : XXXX XXXX  XXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

This is my numerous attempts to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$8300.00} XXXX XXXX Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX  : {$510.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 
XXXX XXXX XXXX XXXX {$810.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 
XXXX XXXX XXXX : {$14000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. 
Also, I would like to request your verification of the aforementioned accounts. If you can not prove the items information to be 100 % precise, please correct them right away.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I have inquiries from ally financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never made these inquires and they are affecting my credit XX/XX/scrub>XXXX XXXX XXXXXXXX I did not make these inquires
Product: Credit reporting or other personal consumer reports

I submitted a formal dispute to TransUnion regarding an inaccurate XXXX XXXX XXXXXXXX account ( partial account number XXXX ), which is being improperly reported as a charge-off with numerous inconsistencies across all three credit bureaus. Despite providing proper identification and documentation, TransUnion failed to conduct a legally compliant reinvestigation and rejected my dispute by falsely claiming it was submitted by an unauthorized third party. 

The account shows materially conflicting data, including different open dates, credit limits, and payment histories when compared across XXXX, XXXX, and TransUnion. This violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) failure to maintain maximum accuracy, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) failure to reinvestigate disputed data, 15 U.S.C. 1681s-2 ( b ) failure by the furnisher to validate or correct the account, 15 U.S.C. 1681i ( a ) ( 7 ) no description of reinvestigation process provided. 

Additionally, TransUnions reliance on automated systems such as e-OSCAR, without a manual review of original documentation, fails to meet the legal standard for proper verification as established by case law ( XXXX XXXX  TransUnion, XXXXXXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

The first incident is XXXX XXXX  they say I have a balance of XXXX. Ive never had XXXX XXXX  in my life. The state that I live in. doesnt even have XXXX as a provider I filed a police report. Ive submitted it to XXXX XXXX  and they still have not removed this off of my credit report. 

The second is the inquiries after XXXX  on my credit that are from home loans auto loans I have not applied for a loan so whoever is applying for the loans in the credit it is not me and Ive contacted the companies and I believe my information was sold or scammed becausethat is not me And third, I was scammed by XXXX XXXX XXXX that faked to be a different company that Ive signed a contract for for {$800.00}. This new company came and took the vehicle without contract and tried to charge money. I have no contract with this company no ties to this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is the guy that scammed me
Product: Checking or savings account

I have 2 cash app accounts that I use regularly and BOTH verified with my ID. However my XXXX  boy was tricked by someone one the game and they gained access to my account. I contacted cash app About 20 times and ONE representative told me someone had access to my account. But I would have to wait on a manager to assist. Nothing is being done about this situation and I have NOT been allowed access to my account yet a stranger has. They are basically refusing to assist me or care enough to help.
Product: Mortgage

Last year, my mortgage was being handled by DiTech Financial. The mortgage is being handled by a new servicer now ( XXXX XXXX ). Nevertheless, DiTech Financial is still reporting a note on my old account from their office that my mortgage was in foreclosure. My mortgage was never in foreclosure, and I want DiTech to delete the foreclosure note from their account listing, or completely remove the account from my file.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account XXXX XXXX XXXX  XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Mortgage

I have an FHA residential loan with PHH mortgage. On mortgage website I saw they hadapplied my full payment due on XXXX XXXX 2015 of {$1000.00} on principal only, I emailedthem on XXXX XXXX, 2015 to point out what they had done and to ask them to fix theremistake. They have not fixed the mistake I emailed them again on XXXX XXXX, XXXX, XXXX, XXXX 2015, Emails were also sent XXXX XXXX, XXXX, XXXX, XXXX 2015 I have gotten no answers and theproblem is not fixed, it is only getting worse They have only responded with emailssaying I have a late charge, my account needs attention, and a generic email ofthanking me and a customer service rep will get back to me in XXXX hours. I did receive a letter via USPS from a XXXX XXXX Liaison, Office of President of PHH Mortgage saying they look forward to providing me with the highest level of service As of todaythere website states I owe a XXXX XXXX, 2015 payment of {$1000.00} and XXXX XXXX, 2015 of {$1000.00} is coming due. There is also an amount of {$500.00} in a suspense account thatI am unsure of what they are doing with money ( all taxes and insurance are up to date ) Ihave asked them to reapply all funds to bring things current and to resend aninvoice/statement showing problem has been fixed As of today XXXX XXXX. 2015 I havereceived nothing from PHH Mortgage showing problem has been rectified.
Product: Student loan

I do not agree that I should have to pay and that this goes on my credit .I never attended or used any money from this school .I did register but I never attended due to hardships in my home life. I should not have to pay for classes I did not attend
Product: Debt collection

I've contacted I C Systems regarding a XX/XX/XXXX account in collections that is showing on my credit report in the amount of {$360.00}. I explained to I C Systems that it is not my debt, and I requested for them to provide me verification of the debt. They advised me that they are unable to do so, and they continue to show this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the 3 major credit reporting agencies about inaccuracies on my credit report resulting from identity theft possibly from the many recent breaches. None of them have yet to respond with any relevant information or tell me how they allowed these accounts be opened. Again, its not my job to start trouble, but these inaccurate accounts are really hurting my ability to get credit and are beginning to cause emotional stress.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and the following accounts and inquiries were fraudulently added to my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your prompt action to remove this information : Fraudulent Accounts : 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When disputed response investigation was over in less than 2 days. No information was requested from the originator and Per Nevada state law NSR 118A.345 I am not responsible for the amount owed. I was a victim of XXXX XXXXXXXX and was in fear for my life.my car had been broke into the office was made aware of that as well as threats and XXXX the office manager was also given a written notification that I would have terminated my lease. I also provided him with a police report as well. XXXX was very upset, due to them losing resident around Covid. I even attempted to pay for the month that I moved and I have an email where XXXX declined what he considered to be partial payment. He demanded full payment ( lease termination fee included ). Although I followed the laws of Nevada. They should be charging individual listed in police report. ( Although he is currently in jail for assault on law enforcement office ). An attempt has been made to not only have this removed but per NSR118A.242 my deposit should have been returned and it was not. There were claims of damages done to the property when photos were requested none were provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the credit bureau AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have read that Equifax is guaranteed to fulfil with the FCRA regulation section 605b but regardless of all my labours to notify Equifax about the theft of my Individuality and that the items were never mine, Equifax never feel a concern nor paid any care to my Disputes. They became neglectful of the FCRA law and continued reporting this information on my File without Proper Confirmation or Examination. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physically & financially ... and I would truly not what to pursue a legal remedy ... DELETE this account instantly : XXXX BANK XXXX XXXX
Product: Checking or savings account

happened on XX/XX/2021 i deposted XXXX $ and it only credited my account with XXXX ... which left me losing XXXX dollars ... and now they made a decision to reverse it .... basically there atm stole XXXX dollars of mine ... even though they credited me XXXX and now they decided to reverse it ... so mad
Product: Debt collection

XXXX XXXX : XXXX Subject : Opt-Out Request for Sale or Sharing of Personal Information Dear. 

US BANK XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX am writing to assert my rights under California XXXX XXXX XXXX XXXX and to request that you cease the sale or sharing of my personal information to third parties. I exercise my right to opt-out of the sale or sharing of my personal information, as provided for in Section XXXX ( a ). As outlined in Section XXXX ( b ), I expect your agency to provide the required notice to me, in accordance with Section XXXX ( a ), confirming that my personal information XXXX be sold or shared and acknowledging my right to opt-out of such transactions. I would like to bring to your attention that, per Section XXXX ( c ), if you have actual knowledge that I am less than 16 years of age, you must refrain from selling or sharing my personal information unless affirmative authorization is provided by me, or my parent or guardian if I am under 13 years of age. I am hereby directing your agency, in accordance with Section XXXX ( d ), to cease the sale or sharing of my personal information. As per Section XXXX ( c ) ( XXXX ), you are prohibited from selling or sharing my personal information after receiving this directive, unless I subsequently provide consent for such transactions. I appreciate your prompt attention to this matter and expect confirmation of my opt-out request within the time frame stipulated by law. Failure to comply with these provision XXXX result in legal consequences, as outlined in the California XXXX Privacy Act. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Wells Fargo Bank for closing my checking and savings account without prior notice. 

On XX/XX/2018, I discovered that my checking and savings account had been closed by Wells Fargo Bank due to an alleged overdraft. I was extremely surprised, as I have always been careful in monitoring my balance and had no knowledge of overdrawing my account i was informed by email that there had been an error in the application of a charge to my account, which had resulted in an overdraft. 

This action by Wells Fargo Bank has been especially difficult for me because I was laid off from my job at that time and was struggling financially. I relied on this account for my daily financial transactions and am now in a very difficult situation. Additionally, I feel very frustrated by the lack of communication and the bank 's lack of interest in resolving this issue. 

As a result of my account being closed, I have been sent to collections and have been charged additional fees which I consider unfair. I would like this situation to be reviewed and for me to be reimbursed for any improper charges and the damages to my credit history. 

I hope that this complaint will be taken into consideration and the necessary steps will be taken to resolve this issue and prevent it from happening again in the future. 

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

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by the Congress Under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation.
Product: Credit reporting

The IRS just refunded me all interest and penalties on this XXXX liens but only Equifax continues to report after repeated request for them to remove Equifax needs to delete both entries Thanks
Product: Prepaid card

I received a XXXX  ( to a former name ) for the Netspend XXXX XXXX. The card is real ( not cardboard ), and the advertisement makes it sound like it's a bank account. It states that this is a debit card and states that I have to open an account. It contained routing and bank information for me to direct-deposit into an account. It pledges that I can receive my payroll money two days earlier than normal. This is very misleading and confusing.