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

I am a victim of identity theft. I filed a police report and a FTC report and submitted them to the credit reporting agencies with my disputes. The disputes were not filed correctly and the paperwork was not attached per the FCRA> And I did not get copies of the verification process. 

These are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

DEMAND For Deletion OF LISTED ITEMS/Per XXXX Privacy Act Also see ; XXXX XXXX XXXX XXXX 15 U.S. Code & 1681- Congressional findings ad statement of purpose ( 3 ) consumer reporting agencies have assumed a vital role... 
Consumer Relations Dept : THIS SHALL PROVIDE YOU FORMAL WRITTEN NOTICE of numerous violations of FCRA consumer law statute, regarding said personal private credit file.

Per the FCRA, I am entitled to have a fair and accurate credit report. 
XXXX PRIVACY ACT, you have the right to privacy., 15 US code 1681 602A the right to privacy,. 
15 US code 1681 604 A Consumer Reporting Agency can not furnish an account without my written permission., See non-public personal information., 15 US code 6802-obligations with respect to disclosures of personal information ( a ) Notice requirements ; ( b ) The term affiliate means any company that controls, is controlled by, or is under common control with another company. 
A person can only report to a affiliated corporation., A affiliated corporation is one in which the reporting person has a 51 % or greater controlling interest., 15 US code & 1681s-2 ( 7 ) Negative information ( A ) Notice to consumer is required ( I ) In General ; any financial institution that extends creditshall provide a notice of such furnishing of negative information, in writing, to the customer. 
This shall be done 30 days before, or after furnishing of any such negative information. 
Reporting of any alleged debt, as if it is a actual debt, ( never verified/validated or court order ), is ultra-vires action, HEARSAY. 
Without a consumers written permission, reporting of any unauthorized information, for a commercial purpose, is a ultra-vires criminal XXXX, ( 3 or more ), violation, resulting in, 18 US code 1028A- Aggravated Identity Theft, actions Designed to keep American consumers in illegal/unlawful financial slavery, see U.S. v XXXX 487 U.S. 931 ( XXXX ). 
Furthermore any continued reporting would be another violation, 15 US code & 1681n, knowingly, reporting. 
For this reason, please request deletion of any and all negative reporting within the next XXXX business days. 

For the following accounts. 
American Express Account # XXXX Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CREDIT INQUIRY DATE XX/XX/2019 2019
Product: Student loan

My XXXX career was exclusively funded by student loans. I was never counseled with regards to the number of loans I was taking, career choices, and possible earning potential. When I graduated, I deferred those loans until I got settled into a job and decided what my next steps were. I eventually decided to pursue a XXXX XXXX Degree in XXXX. On top of having to take some additional XXXX coursework, my XXXXXXXX XXXX was also funded by loans. I eventually got a XXXX job in an urban district where I thought, after 5 years, I would have {$17.00} of my {$130000.00} loan balance forgiven. Well- I was wrong. I had consolidated some of my loans, and that. in conjunction with the dates, some of my loans had been taken out, made me ineligible for student loan forgiveness. To add insult to injury, I have since been laid off from XXXX, and found other work, but have been deferring my loans. My husband makes a decent living but will no contribute towards my student loans. Yet his income disqualifies me for the option of an income-based repayment plan and my minimum payment works out to be over {$900.00} per month, which with XXXX kids, and numerous expenses I can't afford. At this rate, the interest accrues, I continue to defer and have no idea how I will ever get out from under all of this debt and start saving for my own kids future.
Product: Checking or savings account

I am requesting a refund of the {$50.00} that I initially deposited in the BMO checking account that I opened on XX/XX/year>, but closed soon after by BMO because of an erroneous fraud concern. 
As the email thread below testifies, I have been trying for MONTHS via emails and customer service calls to secure the refund of my initial {$50.00} deposit. 
The deposit was made via a BMO initiated ACH pull transfer from my external account at XXXX. 
When I called on XX/XX/year> ( which already was my XXXX call to BMO customer service for this issue ), a BMO fraud department agent insisted that I needed to contact XXXX to reverse the ACH deposit.

That made no sense to me, since BMO had initiated the ACH pull and still was in possession of the funds, but I nonetheless contacted XXXX to request a reversal of the {$50.00} ACH. 
XXXX investigated the matter, then informed me that it was a valid ACH transaction, and so could not be reversed by XXXX ( cf. attached XXXX ). 
On my XXXX call to BMO customer service, the agent reported ( erroneously ) that the funds had been surrendered to the state 's unclaimed accounts, and I would need to file a claim with the state. 
However, after submitting my information to the unclaimed accounts website ( missingmoney.com ), I learned that my {$50.00} BMO deposit was not there either. 

On my XXXX call to BMO customer service ( XX/XX/year> ), the BMO fraud department agent XXXX XXXX confirmed that the {$50.00} had not been sent to the state unclaimed accounts, but then instructed me to send this email to this address ( XXXX ) along with the proof of address documents already sent in previous emails to BMO ( SSN, XXXX driver 's license, auto insurance bill, voter 's registration, various other documents attached ). She assured me that this would lead to the refund of my {$50.00} and the resolution of this issue finally. 

The refund still has not been received as of XX/XX/year>. 

I look forward to the {$50.00} refund owed me, and hope BMO supervisors review the procedures and personnel involved and fixes what needs to be fixed.
Product: Bank account or service

My wife wrote a check out of our XXXX account for {$1500.00} on XXXX/XXXX/15 and mobile deposited into our XXXX to pay off our car. On XXXX/XXXX/15, this amount came out of our XXXX account and was credited to our XXXX acct. We shredded the check after 30 days. On XXXX/XXXX/15, Georgia 's Own charged our account back {$1500.00} saying that the money was sent from XXXX to Bank of America because they have the physical check. 

We have NO accounts with Bank of America and there is no record that Bank of America has tried to send this check to XXXX and our account has still not been credited back at XXXX since XXXX debited our account {$1500.00} on XXXX/XXXX/15 ( 1 week ago ). 

We have spoke with several people at XXXX and are told that the check cleared on XXXX/XXXX/15 and they have no info that a check was presented anywhere else. I believe that money is being embezzled or stolen because there is no other check, yet my {$1500.00} is gone. I have received copies of the cleared check from XXXX and it was deposited into XXXX and has my XXXX acct # listed on the back. 

My banks and I have spoken with Bank of America and they are refusing to release information regarding this check that was sent over to one of their account. I am getting the run around because I was first said they needed to speak with XXXX and me, then XXXX and today they need written request from both banks. Both XXXX XXXX XXXX are sending written requests. This is either a clerical error or fraud and all I want is my {$1500.00}. Bank of America should be willing to confirm whether or not they have a check so that my account can be corrected.
Product: Credit reporting or other personal consumer reports

My recent credit report review caused me severe XXXX I found that what is being reported is unverified, inaccurate and extremely problematic. My credit is being grossly misrepresented and now I can not get new credit at reasonable rates and it is preventing me from getting funding for my business which can very quickly become detrimental.
Product: Debt collection

XXXX XXXX XXXX has furnished a lien on our property and is aggressively attempting to collect on the debt that was included and discharged in BK chapter XXXX back in 2011 ... When trying to resolve this I called XXXX XXXX XXXX with NO luck nobody ever answers the phone line, I written to the address on file 4 letters since XX/XX/XXXX of last year with NO response from them. Then I went to their office location only to be escorted out stating I could not be there and they would call the police for transpassing this is a public property it is an office building how is it even legal to make these statements. Now my wife and I are getting calls at work and at my parents house from them demanding a payment in full for this case # XXXX  I can never get ahold of an individual to speak to. We only get threatening messages left on our phones with calls at XXXX or close to XXXX as well as left with my assistant at work. this is ridiculous I should be protected under bankruptcy code. Attached please see proof of bankruptsy and a proof of this originally citi bank account and XXXX XXXX XXXX furnisher of this judgement included in the bankruptcy. I seek release of this judgement immediately or I will go to attorney general 's office to see further remedy on this
Product: Credit card or prepaid card

My interest rate and minimum payment has increased over time, without my knowledge. Only increasing when I started utilizing my credit card. I have called  Capital One  to explain when I signed up I was suppose to have a lock in of  XXXX  minimum, they told me I use my credit card too much and that is why I have an increase in interest and minimum amount due.
Product: Credit reporting or other personal consumer reports

I have mailed in multiple disputes in regards to the inaccuracies on my account. 
You all continue to to reply the information has been verified but that is not possible because there is different information for each bureau and it's not correct! There's no possible way it could be which means you are in violation of USC623 in investigating and ensuring the information reporting is accurate. 

The most recent letters being sent XX/XX/XXXX & XX/XX/XXXX For the XXXXXXXX XXXX account the open date is showing incorrectly as well as the date of last activity as well as the date of last payment. 

This is a concern for me because the last activity date impacts not only my score but the statute of limitations and the amount of time this account is allowed to report to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2021 I sent a certified formal dispute to Equifax XXXX and XXXX regarding fraud accounts open under my name. Ive sent in A verify police report picture of driver license bank statement to show my identity, prove I am the person. Per 605B. 15 U., S.C. 1681c-2 Requesting the listed accounts be blocked off my police report due to fraud, Idenity theft. Its obvious that none of the Credit Bureau took my dispute seriously Because the never addressed my concerned and are sent me a detailed reasoning and justification of not blocking these items off my credit report. I believe my due process rights were, has been violated by these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I submitted a complaint with you in XXXX ; complaint # XXXX,. I received detailed information from you closing the complaint and stating that the item was removed by the collection company, XXXX  XXXX. 
The item is still showing on my Transunion credit report. I spoke to XXXX with XXXX XXXX who stated that they sent information to be removed to all 3 credit reporting services to have the item removed. 
She said to call Transunion, which I did call today ; they told me they did not receive anything from XXXX. 
I called XXXX back, they said they sent it electronically by email to XXXX on theXX/XX/XXXX. 
I need this item removed as soon as possible ; I just keep on talking to Transunion and XXXX with no positive results to have the item removed. 

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

I am filing a complaint against TransUnion for reporting inaccurate and incomplete information on my consumer report. They have placed alleged accounts on my report without my knowledge or permissible purpose, violating my privacy rights under 15 U.S.C. 1681b, which outlines the limited circumstances under which a consumer report can be obtained or used.

Furthermore, TransUnion is in violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Despite my disputes, TransUnion has failed to verify or validate these alleged accounts, and their continued reporting of this inaccurate information has caused significant harm. 

As a result, I am unable to purchase a home for my children and me, and my employment opportunities have been negatively impacted. This invasion of my privacy and disregard for federal law has caused unnecessary financial and emotional distress. 

I request that the CFPB hold TransUnion accountable for these violations, require the removal of these inaccurate accounts, and ensure compliance with the FCRA to prevent further harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an attempt to correct my XXXX, XXXX, and EXPERIAN credit report ( s ). I have identified fraudulent accounts. Please block the accounts listed below : XXXX XXXX   : XXXX - {$190.00} XXXX XXXX XXXX XXXX : XXXX - {$560.00} These are the accounts I request to be removed permanently from my credit report ( s ). Please block these accounts. These accounts are unverifiable and violate my consumer rights.
Product: Checking or savings account

I booked an appointment on XXXX with a hairstylist who unfortunately was very unprofessional and rude. She changed my appointment last minute causing me to miss several appointments I had scheduled that day, XX/XX/2023 ( approximately ). I took the style down the next day because it was hurting my head and pulling my hair out. I reached out to her on several platforms and also reached out to my bank requesting a refund. I submitted messages between myself and the stylist showing that she agreed to issue a refund. The 'merchant " 'XXXX  ' is not the one who is responsible for issuing refunds. It is solely up to the stylist. I have called my bank, Discover, and stated this numerous times and they will not listen to me. I have experienced discrimination and been treated terribly by nearly everyone in the disputes/investigations division. They are very short and argumentative with me and someone told me I could have fabricated the messages and they are going to side with the 'merchant ' because my documents are not 'authentic. ' I have been a customer for XXXX years and have never been treated like this by them. I need something to be done about the discrimination and unfair treatment that occurred. Preferably I would like my {$120.00} back like the stylist agreed to issue because that is the only XXXX who can agree to the refund, not 'XXXX  ' like the people at Discover think but they refuse to listen or believe me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After being struck by another driver that ran a red light on XX/XX/2019, our financed vehicle was deemed undrivable and towed to an impound lot. 
The other party in the accident was at fault, but her insurance company took a long time to accept the claim ( finally accepting responsibility and agreeing to pay off our auto loan, plus additional compensation on XX/XX/2019 ). 
Meanwhile our car sat in an impound lot and the towing company, seeking to be paid, attempted to file a lien on the vehicle without contacting us. 
XXXX XXXX XXXX, with whom we have a $ XXXX loan on the vehicle and to whom we have continued to make payments timely and in full, received notice of the lien. They then determined that the damaged vehicle was worthless, and declared it abandoned and placed our loan in charge off status again without contacting us. 
Until XX/XX/2019, we had no knowledge of the attempted lien or negative credit reporting. If we had known, we would have simply paid the towing company and/or XXXX XXXX XXXX and sought recovery through insurance once the claim was accepted. 
We spoke with XXXX XXXX XXXX ( XXXX ) on XX/XX/2019 and were informed that once they receive payment from the insurance company they will contact the credit reporting agencies to have that charge off removed from our record. Although they acknowledged the credit reporting needed to be corrected and that we have always paid in full on time ( the loan was never delinquent and is not currently in charge-off condition ), they will make no effort to correct this until they have been paid in full. We offered to pay in full to speed up the correction process, but they advised us to allow the insurance company to complete the payoff process that is already underway. 
Unfortunately, we are currently in the process of obtaining a mortgage ( primary residence ) and this negative and erroneous credit reporting could interfere in our ability to obtain that financing. 
We respectfully request your assistance in encouraging ( if not enforcing ) prompt and accurate credit reporting by XXXX XXXX XXXX in this matter. If this is not remedied swiftly, it could have significant implications for our personal financial situation that are unjust and unwarranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for 2 years to contact all three credit bureaus to have misleading information removed from my credit report. I have individually disputed each creditor. I've had a problem with creditors that should not be on my credit report. XXXX, Equifax, and XXXX refuse to work with me and remove anything. They send me frivolous letters stating that they received my complaint but I have yet to prove my identity. I've sent them letters with my state ID, my debit card, and my social security card. I've called on numerous occasions and still to this day they have not removed any of the misinformation on my credit report. I have requested phone numbers, addresses, and different alias names on my credit report to be removed due to identity theft. I filed a police report with my information was misused. I want what's fair and I want these items removed from my credit especially since they were from Identity Theft.
Product: Credit reporting or other personal consumer reports

I am diasppointed with how my complaint results turned out - I need further investigation of my case and I need you to thoroughly pay attention as I am getting more XXXX as the day passes by.
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 XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information r
equired by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered two unauthorized credit inquiries when I checked my personal credit report, which I obtained from your company on XX/XX/2022 via XXXX. 

These lenders are unfamiliar to me, and I don't recall giving them permission to run a hard inquiry on my credit report.