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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

From XX/XX/XXXX- XX/XX/XXXX we requested and received Covid-related relief on our mortgage payments through Truist ( formerly SunTrust ). By XX/XX/XXXX we were able and eager to restart paying our mortgage. However, since then we have been sent incorrect paperwork to restart the payment process by Truist on multiple occasions. The representatives we have spoken with initially said this was due to confusion on the bank 's part after the merger with SunTrust. At one point we actually filled out the paperwork we had been sent and Truist began auto-drafting our payments ( as we had expected and was done prior to our Covid relief request ) but then reversed those payments saying we had been sent the wrong set of papers and those payments were somehow incorrect. 

After that they started telling us to call in to Truist monthly to make " good faith '' mortgage payments over the phone to avoid our account being reported as delinquent, which apparently happens if no payments have been made for 18 months. So we diligently did that monthly while we waited for whatever the correct set of papers Truist was supposed to send us ( which apparently takes XXXX weeks every time a new set of forms gets sent ). Then much to our surprise despite all of that our account was reported as delinquent to all of the credit agencies, again despite us making full payments over the phone with Truist since XXXX ( prior to that Truist had auto-deducted our bank account for XXXX other months but then reversed those charges ). 

So we have been in the sort of darkly comical situation where we have been eager and able to start our payments since XX/XX/XXXX, but Truist has been unable to actually accept our payments because of incorrect paperwork or merger issues. My wife and I have probably spent 24 hours on the line with various Truist representatives since this all started. Ordinarily we wouldn't actually care that much except that this has suddenly and dramatically affected our credit scores. 

When we discussed this with Truist, they told us to file reports with Truist and all of the credit agencies explaining this but then Truist said they investigated the account and everything still stands. The representative said on the phone they can see we've been making payments but they can't see where those payments are being applied or what account that money seems to be going into on Truist 's end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking forward to buying a new home when seeing my credit report and seeing a installment loan was made in my name that i had no knowledge of this is stopping me from moving forward with my life as a whole XXXX, XXXX, TransUnion They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and refusing to uphold the law
Product: Credit reporting, credit repair services, or other personal consumer reports

A current report from Experian is reporting a XXXX XXXX XXXX paid collection that was deleted from my credit file back in XXXX XXXX2017 and now it has been added back on to my file with Experian. The CRA did not provide me notice of their reinsertion, then the reinsertion is a violation of section 611 ( a ) ( 5 ) ( B ).
Product: Debt collection

Wells Fargo continue to practices of not completing the task of sending important information and documents that are needed to allow business that may as for me may prevent the closing of my house and pay off debt to Wells Fargo account which is going to have a another harmful negative financial effect I'm XXXX and just want to be free of Dept caused by a car accident
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian isnt complying to my requests. 
This is not a Dispute I am requesting items I identified removed from my consumer report pursuant to 15 USC 1681c-2 as a result of identity theft immediately already disputed which I should have to if your are in Compliance there shouldnt be a Dispute and where the investigations evidence that you are in accordance? 


See attached for verification
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$57.00} XXXX/XXXX XXXX {$700.00} XXXX XXXX CR XXXX {$37000.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$540.00} USDOE/XXXX XXXX {$7000.00}
Product: Credit reporting or other personal consumer reports

Rights being violated under 15 USC 6802 Please see the attached.
Product: Money transfer, virtual currency, or money service

I use XXXX and multiple times ive tried to send money over to people and if i make a mistake theres a huge problem getting it back and getting in contact with customer service. When i try to look at documentation to see how this goes its not made available to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing 2 accounts from XXXX XXXX in the amount of {XXXX} and another account with the amount of {XXXX} over and over again because they are reporting false information all over the place.There are inaccuracies all over the place and I have dispute it several times and the account always comes back as verified well this last time I disputed I record over 15 yes over 15 letters from the creditor stating they did NOT know what I was disputing but they got my request to dispute information on the accounts. But experian and XXXX and XXXX always updates results saying the accounts were verified and accurate?? Whos the lier here. That makes no sense experian .XXXX XXXX doesnt even investigate disputes! Im tired of getting the run around over and over the place i have even sent in documents. Uploaded them online showing proof that. Collections agency has my account I get debt letters sent to me. This is not fair name being the consumer and they report false information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Debt collection

I was contacted repeatedly by a debt collector by the name of " Tek Collections '' regarding a loan of {$1400.00}. It has been placed on my credit report. I called them and they refused to provide any written details or verification of the account. The only options provided were to pay the full amount to them by XXXX or XXXX. XXXX was not pleasant. It was aggressive and threatening.
Product: Credit card

Citi bank stated that I did check balance of {$4700.00} back in XX/XX/XXXX. I asked Citi for a photo copy of the balance transfer check and they have not provided me with a copy. I did a balance transfer to XXXX in the amount of {$830.00}. When I inquired more about the account, the account/credit card did NOT match my account number.. my account ended in XXXX. I was never sent a statement with amount that I owed {$4700.00} I only found out in XX/XX/XXXX when I notified internet charge that I didnt recognize and thats when I found out this XXXX XXXX check transfer with a account ending in XXXX. They could never produce this photocopy and its NOT my debit charge.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cfpb I am making a complaint about XXXX XXXX and they also have another name XXXX   XXXX XXXX they are charging double interest which doesnt add up and is not agreed this is why I sent a dispute for inaccuracies it's not right under the fcra and violation of the statue of limitations. I will show proof as I upload documents. This must be removed due to fradulent increase of same amount and reporting inaccuracies of information. I also ask for proof of any promissory note and all original documents with my signature I have not recieved or gotten any proof of it.. I heard they have gotten Sued before because of this.. I am very unhappy about this situation and will do my best to proceed with litigation if theres no removal from this company I am ready bring it on I have all my documents to show in court if we have to take it that far my first step is to report to cfpb first before making any decision for litigation. 
Thanks cfpb
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I hope all is well! 
Recently, I did an investigation on my credit report which caused me severe stress and XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Product: Vehicle loan or lease

My name is XXXX XXXX I bought a XXXX XXXX XXXX using Westlake financial services account # XXXX Sent me a letter stating I owed {$13000.00} to close the account with a one time  offer to settle {$2600.00} I called them and asked if there was anyway to pay XXXX today. this was on the XXXX of XXXX, XXXX the lady I spoke to said the least they could settle with was XXXX if I paid right then so I paid it and she said my confirmation number would be emailed it never was I never recieved my receipt or confirmation and when I called back i was sent the receipt through an employee email not westlake financial and they also stsred that they would report to all 3 bureaus as settled with a XXXX balance I have the letter that they sent with the offer to settle please help me for all I get is a run around
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i  within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a compliant a few years ago and these accounts just showed up again that are not mine.
Product: Checking or savings account

Okay, let me do this again because your website kept the information from the first three steps and the documents but not all my typed information. 
On XX/XX/XXXX I open a Saving Account with Morgan Stanley XXXXXXXX. I made repeated transfers to this Savings account since that day. I requested a transfer on XX/XX/XXXX to purchase an item ( about a third of the funds ) and on my third attempt to inquire on the status of those funds did Morgan Stanley tell me they have frozen and closed my account. All the assistance with the exception of today assistant treat me with hostility and talked to me condescendingly. Even today assistant attempted to lie as to me getting this resolved as the letter states '' If you believe this is in error call us and I did and he would not resolve it. I opened up with I request a Supervisor as I have done multiple times and all refuse and I am sure all supervisors are the ones who refuse. Because the assistant disappears multiple times for minutes at a time and then gets back on the line. 
My complaint is that only when I asked for my funds in those almost three months did Morgan Stanley claim Fraud and never would they tell me over the phone so this could be resolved. they just continued to take my funds. When I was depositing monies it was not a fraud. Only when I ask from my monies did they state my account information was fraudulently used. I believe this to be a tactic form Morgan Stanley to not Pay me my 4.0 % in interest and to keep my funds ( more than {$47000.00} ) from me so that Morgan Stanley can continue to collect interest of my funds but refuse my funds and interest as Morgan Stanley has locked my out of my funds and any access to my funds which has got to be a crime. I told XXXX XXXX XXXX XXXX XXXXXXXX That I will contact you. I today will also send them a USPS Certified letter demanding my monies with full interests. I want to place my funds back to the XXXX XXXX XXXX XXXXXXXX with all full interest I have accrued since XX/XX/XXXX. To hold my monies hostage and to make recovery of my funds almost impossible to tactically delay my funds so they they can collect interest and not pay mine or access to my monies is a serious scandal and needs to be fully investigated. As I stated it been moths and they have made no attempt to tell me the account my have been fraudulently used by someone. Also when I applied for this account they got all my information and I nor my XXXX has place a complaint of fraud. It obvious Morgan Stanley is the true fraud here and needs to be fully investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an a  XXXX / XXXX  account 7 years ago. I canceled my account 7 years ago.   XXXX   continues to request my credit report from  XXXX , and Equifax. Upon calling them, they have refused to take the enquiry off. I have not authorized them to pull my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to the Experian credit report I received saying that both XXXX XXXX and XXXX XXXX has been verified. I have contacted Experian endlessly regarding the removal of XXXX XXXX and XXXX XXXX from my credit reports. These are erroneous and fraudulent accounts. I have filed an Identity Theft report with the FTC and I am uploading my drivers license, bank statement as proof of address, as well as both reports from the FTC for these fraudulent accounts. I have also included a copy of my XXXX report showing that XXXX  has done their due dillegence by deleting XXXX XXXX and XXXX XXXX from my report with them. If Experian comes back again and states that both of these fraudulent accounts have been verified as accurate, I will then request the method of verification under FCRA Section 611 ( a ) ( 6 ) and ( 7 ). Please remove and BLOCK both of these fraudulent accounts ( XXXX   XXXX and XXXX XXXX ) from my credit report immediately.
Product: Mortgage

On XX/XX/XXXX, I had my flood insurance agent fax documentation for the new quote that contained the additional coverage requested from Amerihome Mortgage. 

On XX/XX/XXXX, I had 2 emails that confirmed the Items that I had additionally uploaded for the quote as well as the address for expidited processing of the flood insurance quote were processed. 

On XX/XX/XXXX, I recieved a letter stating that they needed to still have the additional converage for flood insurance. 

On XX/XX/XXXX, I called to confirm the situation multiple times and they hung up. 

On XX/XX/XXXX, I called to confirm the situation multiple times and they hung up without working toward a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act & XXXX XXXX XXXX. I am being XXXX XXXX my credit with no explanation on an erroneous, alleged collections information. CEDAR BUSINESS SERVICES has never proved this debt collections belong to me legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$62.00} ; XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$74.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX ) XXXX Balance : {$72.00} ; XXXX XXXXXXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I am contacting you Regarding my credit reports at XXXX  Trans Union XXXX  they are all reporting false balances on my credit cards and also fraudulently reporting that my XXXX is closed when it is opened and I want this problem fixed at once. These companies need to update my balances at once and also Adequately report accounts that are open because this false information that they have reported has dropped my score significantly to the point that me and my XXXX son are homeless because of the issues with my credit score. I have contacted legal aide and with begin legal action because this has caused tremendous problems for me and my XXXX child. Please make these agencies correct this problem at once All credit cards on my credit report needs to be updated with correct balances also my XXXX credit card needs to be reported as open and in excellent standing please make them do this at once.
Product: Credit reporting or other personal consumer reports

A review of my credit report from Experian indicated that a vehicle loan from the lender XXXX XXXX had some incorrect information in it. 

First of all, there is a XXXX past due payment notice which is incorrect. At no time, was a payment past due beyond 30 days. A payment register from XXXX XXXX proves that information of being XXXX late is incorrect. Experian as a credit reporting agency has the same information that I have but has refused to correct this notice. It should be presented that the regular monthly payments were always due on the XXXX of each month. The payment register from XXXX XXXX will indicate a payment was made on XX/XX/2024. In that regard, a payment to be made by XX/XX/2024 is not 30 days late when a payment was made on XX/XX/2024. 

Second, the credit report indicates there is 'ND ' as in no data to report for payments in the month of XX/XX/2024. Again, the payment register from XXXX XXXX indicates a payment was made in XX/XX/2024 but Experian has refused to correct this error. The payment register from XXXX XXXX will indicate a payment was made on XX/XX/2024. 

In reference to these XXXX issues, Experian has had XXXX disputes or opportunities to correct these errors but they have not even though the information I have was downloaded from my account within Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly duplicate accounts of a past due amount of {$18000.00}. XXXX XXXX XXXX XXXX account number XXXX is being reported as a charge-off and XXXX XXXX XXXX account number XXXX is being reported as a collection. ( Please see attached page from my credit report. ) The charge-off account number XXXX needs to be removed from my credit report. This inaccurate reporting of a charge-off account is harming my credit score. I have contacted the ( 3 ) bureaus to remove this line item however, I have not been successful.