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

These accounts below shows incorrect and inaccurate details on my credit report. Im still NOT totally convinced of TransUnion 's reinvestigation results. I did not allow anyone to make any changes nor use my private information for their own advantage. I didn't owe any debts in any of these accounts and I want them removed from my credit files. 
1. XXXX XXXX - Account # : XXXX 2. XXXX XXXX XXXX - Account # : XXXX 3. XXXX XXXX - Account # : XXXX 4. XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) -Account # : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent an Identity theft letter to XXXX XXXX XXXX, ALLY FINANCIAL, ALLY FINANCIAL. I have not received a response nor has XXXX  XXXX XXXX, ALLY FINANCIAL, ALLY FINANCIAL. 
complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that were mailed on XX/XX/2024 and an updated FTC identity theft report. To my understanding, according to FCRA, debt collectors have 30 days to respond to disputes and requests made by the consumer. XXXX XXXX XXXX, ALLY FINANCIAL, ALLY FINANCIAL. have not made one call or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer 's request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the consumer 's report, as by lack of response and documentation requested signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC report.
Product: Credit card or prepaid card

I have continually sent the CEO, of Capital One Bank requests for help with closing my MasterCard account and obtaining assistance with paying off my balance, unfortunately no help has been received. Please understand that with my wife losing her second job due to covid and us being forced to move during covid and our rent going from {$1200.00} to {$2500.00} per month we are both struggling financially. It does not help when youre struggling to pay all of your credit card debt, housing expenses and medical bills because of the diagnosis and testing for XXXX XXXX XXXX. It also does not help when I feel that your credit card issuer because of sheer greed acts worse than a local bookie continually charging and changing interest rates that make it impossible to pay or bring down the balance. I feel like Capital One continues to act in bad faith and take advantage of me. No one struggling to survive and having great difficulty doing so should be forced or subjected to such criminal activity and behavior by a bank. I am truly sorry that I ever decided to business with them and at this rate, with the amount Im being charged for interest and my inability to pay it, Im one step closer to filing for bankruptcy protection. The sad part is that I cant even afford the attorney.
Product: Credit card or prepaid card

XX/XX/XXXX There was a fraud charge on my discover credit card which was disputed, but never reversed. 
In XXXX I was effected by the pandemic where I lost work and could not afford to pay my bills. Therefore my credit card defaulted. I disputed but derogatory remarks never was removed
Product: Mortgage

WELLS FARGO HAS NOT ANSWERED MY QUESTIONS AS TO WHO WAS WHAT IN THE INVOLVEMENT OF MY MORTGAGE AND FORECLOSURE. I AM SENDING MY REQUEST FOR THOSE ANSWERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

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

CHEXSYSTEMS XXXX Attn : ChexSystems and Consumer relations department Name : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; Consumer XXXX, Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide below. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also a linked last four of social ending in XXXX does not belong to me and is not mine and shouldnt be in my report or linked to my identity in any way shape or form. All these accounts and wrong personal information being reported on CHEXSYSTEMS have 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. 

these banks along with Chexsystems have caused for all banks to not allow me to open up a bank account with them because Chexsystems is wrongfully reporting inaccuracies and fraudulent information.I need these accounts removed from Chexsystems asap. 

the only correct information that should be reporting is ; Name : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested description of the procedures of re-investigation for alleged 4 credit card accounts and Bankruptcy currently showing on my consumer report also, requested TransUnion MAIL my Full File, sources, and report recipients Federal Law states 15days to complete re-investigation and TransUnion received certified request on XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

So today I went to get my car serviced.They looked up the Vin on my car and told me that my car is supposed to be XXXX XXXX with a sunroof. My car is XXXX XXXX and I am paying for a car this XXXX XXXX with a sunroof silver. XXXX XXXX sales told me that my car is a XXXX but why is everything is telling I have a XXXX. I have been having problems with this car since I had it.
Product: Debt collection

I made contact with Zwicker and Associates on XXXX/XXXX/15 to discuss the XXXX XXXX bill they are handling to see what our options were. We were served with a summons in XX/XX/XXXX and sent in our answer and instead of going through the courts we wanted to see if we can rectify the matter outside the courts. We talked to a collector I believe his name was XXXX and when I proceeded to tell him our income situation ( primary holder got laid off in XX/XX/XXXX at the time the payments stopped and hes now on unemployment, spouse works part time and expressed we get help from family to keep a roof over our head ) we offered we can do {$50.00} a month till our situation gets better. He said he can do the balance in XXXX parts over XXXX months, I advised we are not able to raise that kind of money due to our current situation. When we told him that he proceeded to tell us that they will collect this with a involuntary payment and when I asked him what that meant he said " I dont know how your state works '' he kept referencing " involuntary payment '' and I kept asking him what that meant because we offered payments and they refused to set up any arrangement on the payments we offered, so what is the involuntary payment mean? He said " I dont know how that works in your state again ''. We asked to speak to someone who knew what that meant and a XXXX XXXX a manager, we asked him what they meant by " involuntary payments '' he said the courts will determine what that is..and said he didnt know the laws in our state. They currently do not have a judgment against us and we have not been to court so referencing any legal action, involuntary payments and not accepting what we offered this is illegal. Thank you for your time in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Fo XXXXXXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening I have disputed and successfully got 3 collections removed from XXXX XXXX and transunion, but they keep reinserting and posting inaccurateAND incorrect info to my report. 

From the debt collection XXXX for amount of {$520.00} and {$240.00} XXXX XXXXXXXX XXXX {$310.00} medical I've had these removed from transunion successfully because of inaccuracies, incorrect reporting dates, balances and codes, that the bureaus have not reported correctly and lied about validating and verifying, also XXXX will not remove incorrect addresses from my report and names and numbers!! transunion and XXXX have updated majority of my info, global lending services closed account was removed and reinserted! 

these accounts have so many inncuracies and are severely affecting my financial life, schooling, and mental health. 
I have sent in letters asking for original statements, signatures, bank account info and have been ignored. and they try to sneak and insert info without informing me and providing documentation to support their claims! please help me hold them accountable for their inaccurate reporting the FCRA says It has to be 100 % correct and I promise you it is not!
Product: Credit reporting or other personal consumer reports

I am writing this complaint to TRANSUNION that I want to dispute specific records in my credit file that do not belong to me, and it had erroneous information, particularly in regard to a bankruptcy record. Please erase the false information that keeps harming my credit report. Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Product: Mortgage

I had applied for a loan modification and while I was in the process XXXX XXXX XXXX was simultaneously foreclosing on me. Bayview will keep requesting for the same documents that i had sent to them back and forth and when they did no one will have a look at it. When I contacted them about the intent to file for final judgement that I had received from their attorney and that I wanted to respond, I was assured by the loan servicer XXXX XXXX not to worry because they 'll let their attorneys know that they 're working on a modification with me. Few weeks later I saw someone in front of my house taking pictures only to tell me that my house has been foreclosed. I contacted XXXX XXXX who was my asset manager to let him know what was happening. He told me not to worry because I was in the process of modification so they 'll reverse it. When he tried to get his manager XXXX XXXX to approve the modification he refused. I contacted XXXX XXXX who is the investor on the loan. They told me to contact Bayview and have them modify the loan and rescind the foreclosure. I contacted the Bayview manager XXXX XXXX who was very rude and nasty to me, and he told me there 's nothing they can do since they 've already foreclosed. I told him that i had spoken with XXXX  ID # XXXX from XXXX XXXX and had told me to tell him to modify the loan, have the foreclosure rescinded and notify XXXX XXXX but he refused to even listen to me and hanged up on my. I contacted XXXX XXXX and they told me they were launching an investigation. They assigned my case to a XXXX who was supposed to look into it. Every other day I called to get the status of my case and she was never there to answer the call. I try to speak to a different person and they kept telling me XXXX is the person assigned to my case so she 's the best person to speak it. She finally called me back on the XX/XX/XXXX and told me she 's trying to get my loan modified and that I should give her few more days. Prior to that she had requested I fax her all the paper work and my modification application to her which I did. She also told me that she was able to track my email conversation and the documents that i had sent to bayview to modify my loan. She told me that all foreclosure activity was supposed to cease when i applied for a loan modification. She assured me that she 'll work on my behalf and get my loan modified. To my amazement I receive a notification from XXXX today that my house is being auctioned. I have being lied to and treated unfairly by both Bayview loan servicing and XXXX XXXX. My children and I are going to be homeless
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item l am asking you to verily as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I was a victim of a scam and Identity Theft this all happen in XX/XX/XXXX when I got a call on my cell phone it read XXXX I answer it the man on the line told me that their was activated on my account, been am XXXX XXXX XXXX I was scare to the best of me, he said his name was XXXX don't worry we will fix the problem, so been in the scare positions I was, I give him assess to my laptop and he went into my XXXX  acct, then he ask me if I had other bank acct s I said yes, am still nervous and shaking on the other end of my computer looking at what he doing so now he getting into my pal pal account and my b & a account were now he changing my passwords and user name, he made a credit card purchase of XXXX on pay pal and a XXXX on my bank of America acct using diff account names and account numbers to get the money out. Now am saying to myself he doing to much to clear the problem so I tell him to stop what your doing your do to much he tell be don't worry and I told XXXX stop now, I start pulling in the account to try to stop him but it was to late, Fortunately I call XXXX XXXX and they reveres the XXXX no problem nothing happen on my XXXX acct but the XXXX he got opening a XXXX acct using my info but he use other Email XXXX  I have had b & a Research they deny my Request on XX/XX/XXXX and I ask for a evaluation and that was deny on XX/XX/XXXX their saying that I let this person do what he did and am give him permission to do it, I told them it was Identity Theft and senior Abuse.so their going to take the money out of acct on XXXX XXXX as per the letter they sent me dated XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reporting that there are some negative items on my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true
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 USU 1681 Account Name : 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 an 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 other adverse items 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: Debt collection

XX/XX/year>. XXXX XXXX XXXX XXXX  acting on behalf of Midland Credit Management XXXX placed a garnishment on bank accounts without proper notification. Furthermore, 1 of the 3 accounts is a business account under its own XXXX and another of the accounts is a joint account. Joint account is used solely to pay the mortgage of my family home. A claim of exemption was filed both with XXXXXXXX XXXX XXXXXXXX and with my financial institution ( XXXX XXXX XXXX  ). XXXX XXXX Bank claims that a release is needed from XXXX XXXX XXXX, and XXXX XXXX XXXX stated it will take, and I quote, " at least XXXX hours to review ''. I find this to be unacceptable both on the part of XXXX XXXX XXXX and on XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/XXXX to dispute XXXX XXXX XXXX XXXX collection of XXXX. The account was reported on XX/XX/XXXX and the original account belonged to XXXX XXXX in Florida. I moved to North Carolina on XX/XX/XXXX, and had not been back to Florida since then. I had not been to XXXX XXXX since XXXX and the original account was opened on XX/XX/XXXX. 

I also contacted Equifax on XX/XX/XXXX to dispute XXXX XXXX XXXX XXXX collection of {$73.00}. The account was originally from XXXX XXXX XXXX and was opened when I had moved to North Carolina. I did not have any accounts with XXXX XXXX at that time and filed a report with FTC stating that this account was opened as a result of identity fraud/theft. 

I also contacted Equifax on XX/XX/XXXX to update my name to XXXX XXXX as I had gotten married. I sent over my driver 's license, social security card, and my marriage license and I received the dispute results telling me to upload my driver 's license, social security card, and marriage certificate but did not tell me where to submit my documents again and did not update anything on my credit report.
Product: Credit reporting or other personal consumer reports

My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told XXXX XXXX about what happened and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX  to refund thousands of dollars from the error that was made. Ive never been late and I believed the XXXXXXXX XXXX representative. I have a top secret security clearance for work and negative credit reporting isnt allowed. XXXXXXXX XXXX reported the mortgage as late, my score plummeted and Im at risk at work for disciplinary action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to XXXXXXXX XXXX  ( one has already been completed ). XXXX XXXX  can schedule the payment if they want assurance. XXXXXXXX XXXX knows this isnt my fault yet Im being penalized because of a terrible error from XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The account name : XXXX XXXX XXXX XXXX. The account name : XXXX. The account name : XXXX These accounts not only have past due balances. They also habe inaccurate and inconsistent payment data which goes against consumer law 15 U.S.C 1681 ( g ). The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic misrepresentation such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has not corrected disputed item despite the evidence I provided. This is causing ongoing harm to my credit standing. I am requesting immediate corrective action to correct the disputed account, as Experian inaction violates federal law and my rights as a consumer.