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

MY NAME AND ADDRESS HAS ERRORS AND WRONG PREVIOUS ADDRESSES NOT FACTUAL SEE LETTER ENCLOSED
Product: Mortgage

I am still experiencing issues with USBank. my home is still deteriorating since last year but the foundation has gotten worse since our last flood. I had XXXX companies pay a visit to me to replace my furnace and hot water tank, and I was denied both times due to the foundation and other issues that the flood had caused. I did contact FHA today XXXX/XXXX/2016 regarding this issue, and they recall an e-mail that I submitted to US Bank that was unanswered. I have been searching and requesting the corporate number which all departments have fail to do. so I have no choice but to file again.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am submitting this complaint regarding a fraudulent XXXX XXXX account ( Account Number : XXXX ) that has been improperly reinserted into my credit report by TransUnion without providing hard proof of my ownership of the account. This account was previously removed following my initial dispute, as it was deemed fraudulent and associated with identity theft stemming from the XXXX XXXXXXXX XXXX XXXX. 
When I disputed the account, TransUnion and XXXX XXXX XXXX  failed to provide the required documentation under the Fair Credit Reporting Act ( FCRA ) to verify that the account belongs to me. Specifically : 1. No Hard Proof Provided : Neither TransUnion nor XXXX XXXX has provided signed account applications, transaction records, or any documentation proving my connection to this account. 
XXXX. Reinsertion Without Certification : The account was reinserted into my credit report without certification of its accuracy by the furnisher, as required under FCRA Section 611 ( a ) ( 5 ) ( B ).

3. Failure to Block Fraudulent Accounts : I submitted a valid identity theft report, yet TransUnion has failed to block this account from my credit report as required under FCRA Section 605B.

This reinsertion is not only a violation of the FCRA but also contravenes Metro 2 reporting standards, including Base Segment Field Codes XXXX ( Compliance Condition Code ) and XXXX ( Consumer Information Indicator ). 
Resolution Requested : 1. I demand the immediate and permanent removal of the fraudulent XXXX XXXX account from my credit report. 
XXXX. I request a written explanation from TransUnion and XXXX XXXX detailing why this account was reinserted and what proof was used to validate the account. 
XXXX. I expect confirmation that this account will not be reinserted unless fully compliant with FCRA and Metro 2 guidelines.

Supporting Information : I am a victim of identity theft from the XXXX XXXX XXXX XXXX. 
I have provided sufficient documentation, including a police report and prior dispute letters, demonstrating the fraudulent nature of this account. 
Impact : This fraudulent account has negatively impacted my credit report and caused unnecessary stress. The reinsertion of this account violates my rights under federal law and further perpetuates the harm caused by identity theft.
Product: Debt collection

date XXXX/XXXX/XXXX creditor XXXX XXXX XXXX XXXX original account # XXXX convergent account # XXXX original creditor XXXX XXXX XXXX  amount owed XXXX total balace XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX A XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$0.00} WORLD XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00} 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

After checking with Equifax I was notified that my information is in the bank of information was hacked it said that my specific account information was taken including SSN etc.
Product: Debt collection

I tried to dispute an unknown charge of {$620.00}. The account is for XXXX XXXX, they passed in the debt to a collection agency, the name is convergent outsourcing. Entered a dispute, never disputed. Last updated XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had multiple issues with the initial company : XXXX XXXX XXXX reporting incorrect information to TransUnion. On XX/XX/XXXX I signed a rental lease with XXXX, the leasing manager. On XX/XX/XXXX I returned one mail key, apartment key, and even a money order for {$440.00} for the time I was there. I had to move out because XXXX was verbally increasing my rent which was different than the price stated on my rental agreement. I gave XXXX XXXX Apartments written notice I would be leaving. I physically came into their office to give them this notice and my keys ( where cameras are available if further investigation is needed ) and this company fraudulently reported to the credit bureau I owed : {$3800.00}. Upon moving out, I spent some time cleaning the apartment to make sure I left it better than I received it. This is important to note because when I first complained about this issue, the apartments claimed there was an error in their charges of the apartment after move out and lowered the charge to {$3000.00}. This charge has stayed on my credit for many years and TransUnion has not been able to investigate properly.
Product: Mortgage

I applied for a mortgage VA as a Veteran and all Veterans quality as long as honorably discharged from the military as a benefit to homeownership but I am declined. Because of a credit score or FICO score and how can that apply to me. When in the military income is meager and purchasing limited and spend my income and taxed? My pay rate is increased by college credits and to get a good paying job and credit is the reason of score but I paid off my loan in college and no debts. Injustice to me. And business wants to exploit me by credit score. Getting better credit they say buying things with what income? Discrimination! But child support payments are not needed fto report as income for a female. To use as paying back a mortgage.And they have no college. Injustice by the Federal Reserve Board and Chairman! I want to sue the government for {>= $1,000,000} for the discrimitory practice. A homeownership will never exist for me a Veteran with the faalse standards. I would not need a mortgage ever and fair credit reporting non existent. The lenders continue to resort to that credit score. Then XXXX score. Covering up things as I see. Corruption in the government. Whom will rectify the situation? They see no wrongdoing to me. IRS or nothing those white people are racist who are guilty!
Product: Prepaid card

Elan financial prepaid card account has reported 3 late payments to the credit bureaus two of which are false and the other is their error. I have written them emailed them and called them, but they will not even let me talk to anyone that can straighten it out. This is keeping me from buying the house I want. I have perfect payment history on all my other XXXX accounts. This was a clerical error on their part
Product: Mortgage

The lender has failed to provide a response to our QWR -Qualified Written Request that was submitted to them on  XXXX / XXXX / 1  7 - This is a Violation of RESPA guidelines and we are unable to provide our client with an adequate review and assistance to the ir delinquency with no response to the loan history being requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX  Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX {$31000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inaccurate addresses on my credit report. I have never received any documentation on several accounts that are listed wrong on a unverified Bankruptcy. I contacted the U.S. BANKRUPTCY COURT and I was told they didnt furnish that information about a bankruptcy. Who furnished the information on the case? 
My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
My Employer XXXX XXXX XXXX XXXX The follwing addresses are not mine please delete : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following number are not mine please delete ( 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

For years I have repeatedly tried to update my personal information with the company. They have repeatedly misspelled and use different names to LINK erroneous, fraudulent accounts to me. Recently, I have been called by XXXX XXXX XXXX. This name was used to manipulate, switch addresses and LINK accounts to me. When I call and give them my correct information they use it to LINK the account to me, instead of removing the ERRONEOUS information. There are 2 other people in my state with the same name and year of birth. When I mail them proper documentation ( ID, Social Security card ) they lie and say they never received the information. Every piece of documentation Ive ever sent has been by certified mail so I have the dates. This company lies puts fraudulent/erroneous information on reports for profit. Collection companies then extort people for money because people have no other option. Ive seen multiple addresses, phone numbers and names used to fraudulently link accounts to my name. Ive also sent them court cases in which erroneous accounts were thrown out because a judge found that the information was erroneously being attached to me. I have provided the court information and a copy of my Social Security card and ID. 

What I realize is these companies try to get you on the phone to GATHER information from you. They then use the information to change it on your credit report and do so-called updates. Their goal is to find a way to LINK information to you, even if it isnt yours because thats how they make money. What is going on is criminal and these credit bureaus are in place to EXTORT money from people, not to report fair and accurate information. 

Ive been unemployed for 4 years and have done odd jobs because of this treatment. 

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

The credit bureaus stated my account XXXX was properly investigated, but how is that possible if the date open is inaccurate, the date last active is inaccurate, and the date last reported in not accurate? 

This is grounds for removal as they have also violated my rights under 15 U.S.C. 1681 Section ( a ) any actual damages sustained by the consumer as a result of failure or damages of not less than {$100.00} and not more than {$1000.00} According to 15 U.S.C 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

There are ( 9 ) inaccuracies and violations
Product: Debt collection

We got a call last week saying they were from banana Republic saying I was being sued for an unpaid debt, so we settled on a payment arrangement then they called back again saying I owed more money then that's when I figured it was a scam after I gave them my bank information so now I have to change everything.
Product: Debt collection

A medical XXXX by the name of XXXX XXXX at XXXX XXXX in XXXX WA. Without permission requested tests beyond what my wife requested which ended up costing us 4 times the amount that was expected. We disputed this amount with the XXXX XXXX and ended up reporting the doctor to XXXX XXXX XXXX XXXX. Since then XXXX XXXX turned our bill over to a collection company by the name of Professional Credit Services. I spoke with them on several occasions until XXXX XXXX 2014 when I agreed to pay the money that was correctly owed to resolve the case. Since then I have not heard from them until this week when I got notice of still owing {$690.00} plus interest of {$230.00} -- some two and a half years later. It is for this reason that I am reporting them to you in the form of a complaint. Also to be clear, we have continued to get services at XXXX XXXX and have no problems with our account regarding other doctors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In addition to being a ID theft victim, the info on my XXXX and XXXX reports are showing a car that was charged off but paid in full in XX/XX/2022 is showing XXXX  ( CHARGE OFF/COLLECTIONSs ) on every month since XXXX of 2022. 

How can this be? IF the loan was paid in full in XXXX why isnt the reporting of the loan being accurately reported? 

The other issue is I am bot the person who got this loan as my ID was stolen. I am providing the FTC and Police report info with this complaint. 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, MI XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
A copy of my credit report I received from annualcreditreport.com. 
The fraudulent items are circled and listed here : XXXX. XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from annualcreditreport.com. The fraudulent items are circled. 
A copy of my Identity Theft Victims Complaint and Affidavit. 
A copy of my FTC Identity Theft Report. 
Proof of my identity and proof of my address. 
Confirmation of fraud alert.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information. 

I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX Enclosures : Proof of identity : [ a copy of my driver 's license/other government-issued identification card/other ] Proof of address Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ] Copy of fraud alert
Product: Credit reporting or other personal consumer reports

I applied for FAFSA and was awarded federal pell grant at the time which was valued just about XXXX usd taking 2 to 3 classes at the time. There was even excess amount which the school credited to me. When I graduated, I got reports on my credit couple of years later about owing loans. There was another student who carried the same initials and name as me but only thing that was different was our middle names. There is no way I owe the reported loans because I did not use any loans for school. Wrong identification .Last federal loan paid off was through XXXX XXXX  and i have a letter from the XXXX DEPARTMENT OF EDUCATION with payment complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 XXXX 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.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Student loan

In 2007, I applied to Navient for Student Loan Forgiveness. They approved me and transferred my loan amounts to Navient. I paid my monthly loan payment for ten years and was a XXXX XXXX XXXX   and a XXXX XXXX XXXX XXXX then went back to XXXX XXXX XXXX. I contacted Navient for the loan forgiveness and was told to contact MyFedLoan to apply for the forgiveness. I went through the process they approved my employment and my 120 payments ; however, I was not qualified for the loan forgiveness because I was not in an eligible repayment plan. Navient counseled me on my payment plan, they never told me I was in an ineligible repayment plan. Now I am told by MyFedLoan that I will need to make payments for another 10 years! I recently read some articles online about Navient and it recommended I file this complaint ; I hope I will receive a resolution to this issue.
Product: Credit reporting

XXXX is reporting I owe XXXX I have never had a XXXX account after talking to XXXX they informed me its is under the name XXXX XXXX I have never had the last name XXXX this is not my account. I am also contacting my State Attorneys office because this is not mine
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX XXXX XXXX. I received a phone call from Wells Fargo that someones trying to take money out of my account. I spoke to a representative from Wells Fargo that tried to help me, but winded up transferring money with a wire transfer and a XXXX. I lost over {$8200.00}. I filed a claim on XX/XX/XXXX XXXX XXXX Theyve reached back to me And dismissed both of my claims and closed them. I havent gotten my money back either. Revived a letter dated XX/XX/XXXX, saying that my claim was dismissed for the XXXX transfer. Spoke to a woman named XXXX on XX/XX/XXXX XXXX about the letter and she told me that my case is still being looked into and that Ill get my {$3500.00} XXXX transfer back in 3 days. Which I have not received.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

i was part of the breach of identifies in the company. inquires should not show on my credit profile.
Product: Debt collection

Receivable Management Services is trying to collect a debt that is not mine for XXXX XXXX XXXX. They can not provide me with a signed contract as I have requested numerous times. The only thing they will send me is a bill that has my name on it and the amount they say is owed. They recently sent me a single piece of paper that literally only has my name, address, policy dates and amount they say is owed. Per XXXX policies an individual can not have an active insurance policy with them if they have a past due balance. They will cancel the policy and you can not get a new one until the other is paid. I currently have insurance through XXXX. The debt is not mine and I have repeatedly asked the credit bureaus to remove the account from my credit reports. They will not because they claim Receivable management has verified the account. The credit bureaus will not provide me with the documents they have to substantiate their claim that the debt is mine. The amount they are claiming that I owe is {$330.00}, and the policy number is XXXX.