23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute an account reported by XXXX XXXX BANK that does not belong to me. This account is inaccurately listed on my credit reports with Experian, XXXX, and XXXX. 

Detailed Description of the Issue : Account Information : Creditor : XXXX XXXX BANK Account Number : XXXX Disputed Information : The account is reported as XXXX  days past due as of XX/XX/year>2024 and XXXX  days past due as of XXXX and XXXX  2024, with a balance of {$710.00}. 
Reason for Dispute : This account does not belong to me. The reported status and balance are incorrect. I have attached supporting documentation to verify that this account is not mine, including identity theft reports and police reports. 

Steps Taken to Resolve the Dispute : Dispute Letters Sent : On XXXX2024XX/XX/year>, I sent a dispute letter to Experian, XXXX, and XXXX requesting the removal of this account from my credit reports under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must conduct a reasonable investigation of disputed information. ( See attached documentation ) Responses Received : Despite providing evidence that the account does not belong to me, the credit bureaus did not remove the inaccurate information as required by 15 U.S.C. 1681i. 
Actions Taken by the Company : XXXX XXXX BANK has XXXX to report this account inaccurately, despite receiving proof that the account is not mine. 
The credit reporting agencies ( Experian, XXXX, and XXXX ) have failed to verify and correct the erroneous information after multiple disputes, in violation of their obligations under 15 U.S.C. 1681i. 
Impact and Request for Resolution : The continued inaccurate reporting of this account has significantly impacted my credit score and my ability to obtain credit. The incorrect information suggests that I have a delinquent account, which is not the case. 

Request for Resolution : I request that the CFPB assist in : Verifying that the account does not belong to me with XXXX XXXX BANK and the credit reporting agencies as required by 15 U.S.C. 1681i. 
Removing the account from my credit reports with Experian, XXXX, and XXXX as mandated by 15 U.S.C. 1681i if it can not be verified. 
Ensuring that XXXX XXXX BANK ceases reporting this incorrect information to any credit reporting agencies under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), which allows consumers to request that debt collectors stop communication regarding disputed debts.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 XXXX XXXX was transferd out of my banking account. 
XX/XX/2020 Money orders and checks including wire transfers and banking accounts were made. 

XX/XX/2020 numerous police reports were made and my alarm was sounded, and police were sent out to house, no one was found however we did find footage on our security camera.. my debit card was stolen and immediately after large amounts of cash from our banking account came up missing. 

Six months later another inheritance was found and retrieved and chased with out my knowing by my father XXXX XXXX
Product: Checking or savings account

I received an email on my iphone from XXXX on XX/XX/year>. It stated that a new login was detected on XX/XX/year> at XXXXXXXX XXXX  EDT from Device : XXXX XXXX, Location : XXXX, FL XXXX I called Chime and told them about the email and that I did not have a Chime account. They told me that is was a checking account. They then said they would close the account and sent an email saying they ended their relationship with me and closed the account on XX/XX/year>. 

I gave them my name, email address, and DOB since they said they needed this information to close the account.
Product: Credit reporting or other personal consumer reports

TODAY I NOTCED LOTS OF INCORRECT INFORMATION AND INQUIRIES AND COLLECTIONS THAT DO NOT BELONG TO ME. CALLED AND ALSO REPORTED IT. I ALSO SAW THAT I WAS PART OF THE DATA BREACH THAT WAS GOING ON WHERE PEOPLE INFORMATION AND PROFILE WAS WRONG. I WANT MY CREDIT REPORT TO BE CORRECTED. I DID NOT ALLOW OR AUTHORIZE THIS.
Product: Credit card

I am not liable for this debt with XXXX/COMENITY/VICTORIA. I am seeking statutory damages for furnishing inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming I owe the debt. They did not provide me with the 1099 c as I requested.
Product: Debt collection

( No category above described the problem, so I picked the XXXX most closely related ... ) Transworld Systems Inc. notified me to collect a medical debt that I owed. When I tried to pay the debt online at the website the company provided, their server was repeatedly down over a two day period ( XXXX/XXXX/17 - XXXX/XXXX/17 ). I called during regular business hours to pay my debt over the phone, but my calls repeatedly went to voicemail, and no one ever called me back. 

This is deceptive. The goal of Transworld Systems Inc. seems to be to give people the false impression that they can pay their debt online or over the phone, then lull them into a false sense of security, so that when these attempts fail ( by design ), the deadline is too soon for a mail-in check to meet the deadline. In this way, Transworld can charge more interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ( a company I never directly engaged with ) has obtained large amounts of my personal information and mishandled it by not implementing effective defensive cyber security tactics and left certain critical pieces of their public facing web infrastructure in a vulnerable state. 

These ineffective security practices have been exploited and have put me and over 100 million other people at risk of fraud and identify theft that can cause meaningful harm.
I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. I find their offering of a single year of credit monitoring and protection to be ineffective, as the stolen data can be used at any time ( far longer than just for one year from when it was stolen ) and can be used in a damaging way against all affected people forever.
Product: Student loan

During the Pause of all student loan repayments, this company stated that My student loans were too old to fall under the stop. When I tried to dispute this they told me there was nothing they could due, because of the way the law was written. I did some research and found out that they lied to me. There was no date put on what student loans were supposed to be paused. They have been charging me interest and late fees for the entire time the Pandemic Loan pause has been in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

This is my Folow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : XXXX TransUnion Expedite Complaint : As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.412 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit reports within 4 business days, pursuant to section 605C of The Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law which I have provided all my documentation as well as victim determination letter according to 1002.142 ( b ) ( 6 ).

I am a victim of XXXX XXXXXXXX of Debt Bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY TRANSUNION LLC. 

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX  Account Number : XXXX 2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX  Account Number : XXXX Please update this inaccurate record. 

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX  Account Number : XXXX Please update this inaccurate record. 

4. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXXXXXX Account Number : XXXX
Product: Checking or savings account

Back in late XXXX, I received email from Citibank that they need to verify my identity followed by a notice from mail. Next day I called their consumer business unit per the letter and they asked me to to provide forms of ID electronically. I responded I will go to a branch in person and bring in couple forms of ID including my original driver license and US passport. After I got to the branch for over an hour, the branch manager finally figured out they dont have my social security on file possibly due to system upgrades. The next day, on XX/XX/XXXX, I went in the second time with my original social security card and the branch manager made copies and forwarded the info to the related department.

Two weeks after, on XX/XX/XXXX, I got another email stating that if their consumer business unit doesnt receive the info as requested by XX/XX/XXXX, my accounts will be restricted. As a result, I emailed the branch manager, but no response was ever received. Next day I called the consumer business unit and verified that they had received the info and my case was under review. Nevertheless, last Friday XX/XX/XXXX, I went online and found both our savings and checking accounts are blocked. After a series of phone call to the branch and forwarded to other departments, i was told the unit which is responsible for the review hasnt got to my case. Although they are willing to expedite, it will take 24-48 hours to lift the block. 

As of today, XX/XX/XXXX, the accounts are still blocked. No transactions cane be done, that means my payments and checks will be returned and my husbands retirement monthly payout can not be deposited. This ruins my credibility and cash flow. Am I supposed to be penalized for my cooperation with the bank? My follow ups with the bank doesnt mean anything to their operation. Its Citibanks inefficiency in their operations that cause all these troubles, Though I was told my case is being expedited, the block issue is still unresolved as of today.
Product: Credit reporting

Experian is an absolute nightmare to deal with. I had a student loan from XXXX, and it was reported as paid with {$0.00} balance : never late. This was more than twenty-two years ago. Although the root cause of my problem is XXXX, who seems to have stolen my information and is listing loans that I never took out, while also claiming that my XXXX loans from twenty-two plus years ago are still not paid, if the credit reporting agencies would n't allow this, there would n't be a problem. I have tried to get a Security Freeze, and I have had to call more than seven times wasting over five hours to only be transferred and transferred. I have uploaded the proof of information, mailed the information, and still, they will not remove the information or place a security freeze. I am in the state of California where my rights are very clear on this matter, but I can not get Experian to comply. The name for me on my credit report is wrong. I have sent information showing what my true, legal name is, and this, too, I can not get fixed. I do not have any credit, refuse to have credit in this horrible country that does nothing to actually protect the consumer, and I have a right to have my credit report completely blank instead of filled with fraudulent, blatant lies.
Product: Credit card

Td bank customer service supervisor extremely rude about late fee. I have a very good account with td bank XXXX XXXX.asked for support ..even requested a manager and was refused
Product: Credit reporting or other personal consumer reports

Equifax and XXXX are reporting an account that doesn't belong to XXXX XXXX XXXX. The company that is being reported in error is XXXX XXXX XXXX. The name they are reporting is XXXX XXXX. My name is XXXX XXXX XXXX. 

Attached is documentations shows it being reported to equifax and XXXX XXXX XXXX credit file it has been disputed and deleted as of XX/XX/year>. 

Please see attached proof of identity my driver 's license, ss card, and utility bill for address proof.
Product: Student loan

Granite State Resources and Management XXXXXXXX XXXX XXXXXXXX XXXX Early, mid, and end of early XXXX. 

For yrs as a single mother in section 8 I was given the only option of going into forbearance yr after yr. There was no other option of Income Driven repayment plans offered.
Product: Mortgage

Quicken Loans offer after the XXXX XXXX last year in Florida a break to help the customers that had damages and lost the tenants, the proposal from QL was not to make payments for 3 months and after that they will contact us and could be extended ; the offer was no late payments, no late fees and no damage on the credit report and the break on payments will not impact the mortgage amount, will be only freeze for the period need it and this months will be added to the mortgage period, all information was presented by phone no documents where received. For our surprise when we were ready to start payment we contact the company and they now send us a mortgage package for 40 years plus they add the interest ( around {$5000.00} increase ) that we haven't pay for those months to the principal and that was not what we agreed. 

Loan number XXXX XXXX XXXX XXXX
Product: Debt collection

Collection was placed in XX/XX/2019 .. it was an ex boyfriend 's account apparently that I had not been involved with in over 3 years.. I had been married to another man for 2 years ... It is not my account.. I never signed, agreed with, not had any knowledge of this account. I filed a dispute and they changed it from being my account to me being cosigner .. I have contacted them and requested verification or signed document, my photo ID, anything, they can provide nothing because it is not my debt .. I did not have any knowledge of it .. it is illegally listed on my credit bureau in violation of fcra
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act The XXXX XXXX XXXX Bank Account 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports, I discovered several inquiries that I did not authorize. These inquiries are negatively impacting my credit score and do not reflect any applications for credit or services that I initiated. I have contacted XXXX, XXXX, and TransUnion multiple times to dispute these inquiries and have provided all necessary documentation to support my claims. Unfortunately, none of the credit bureaus have removed these unauthorized inquiries from my credit reports, leading to ongoing frustration and potential financial harm. 


XXXX : Unauthorized XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX : Unauthorized XXXX Inquiries : XXXX XXXX  - XX/XX/XXXX XXXX BUSINESS XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion Unauthorized XXXX Inquiries XXXX XXXX XXXX XXXX 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Product: Debt collection

I had closed this account in 2019 the account is showing open after I had closed it in XXXX, 2019 and this company changed the dates and filed a lawsuit against me without my knowledge. They inflated the amount after the account was paid in full and tripled the amount from {$0.00} to {$3400.00}. I did not know that they filed a judgement against me and is still reporting to the credit companies that the account is open.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Our XXXX company is being harassed by Brown & Joseph , LTD to pay liability insurance costs that have already been paid. Their client failed to initially contact us regarding the matter, but instead contacted our insurance agent 's assistant via email. That person retired, so the emails were n't being read. We never were contacted about the problem, until it was turned over to this collection agency, Brown & Joseph, LTD ; and then that contact was not to us but rather the insurance agent who was overseeing the assistant who retired. In fact, we never received any correspondence until we complained of not being personally contacted. Joseph & Brown, LTD has refused to give us a sufficient explanation/ evidence as to why we owe their client additional money, even though we have asked. We have given them all the documentation they have asked for, but they refuse to send us a breakdown/evidence as to why we owe this money. We are willing to pay what we owe, but only what we owe, if we are given the proper reason/breakdown/evidence as to why we owe the ADDITIONAL money. The representative for this company has used threatening language and tone ( going to go to court, etc. ) and even hung up the phone on my husband twice. The tactics and lack of initial communication regarding this matter is shameful.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an account listed on my credit report from XXXX XXXX Account # XXXX ). I believe this account is being reported inaccurately and violates provisions of the Fair Credit Reporting Act ( FCRA ). I request an investigation and the deletion of this account from my credit file. 

Reasons for Dispute : Inconsistent Information Across Credit Bureaus : The " Date of Last Activity '' is reported inconsistently : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Similarly, the " Date Opened '' is reported as : TransUnion : XX/XX/XXXX XXXX and XXXX : XX/XX/XXXX These discrepancies violate the FCRAs requirement for accurate and consistent reporting ( 15 U.S.C. 1681s-2 ). 
Potentially Inaccurate Future Reporting : The " Date Reported '' by XXXX is listed as XX/XX/XXXX, a future date, which raises concerns about the timeliness and accuracy of reporting. 
Incorrect Account Balance and Status Details : While the balance is reported as {$0.00} across all bureaus, the remarks indicate it was " Charged off as bad debt '' and " Purchased by another lender. '' These notations are misleading and may inaccurately suggest unresolved debt. 
Inconsistent Credit Limit Reporting : The credit limit is reported as {$500.00} for TransUnion and XXXX but {$0.00} for XXXX. This discrepancy can negatively impact my credit utilization and overall score. 

Failure to Reflect Dispute Status : The report lists " Account not disputed '' across all bureaus, even though I have initiated disputes. This failure to update the account status demonstrates non-compliance with FCRA Sections 611 and 623 regarding dispute resolution and proper notation.

Requested Resolution :