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

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following fraudulent items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inaccurate XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. Under the FCRA section 605b, you are require by law to remove the disputed items off my Credit File. If you believe that the disputed items belong to me, please send me copies of proof of verification or proof of ownership. In the absence of such documents should result in the immediate removal of the disputed items. Please do so.
Product: Credit card

Several fraudulent charges were made on my credit card after the balance was paid in full. Chase bank notified they investigated the charges and found I was responsible for the fraudulent charges. These were NOT my mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a list of accounts and amounts that are not mine at all, I would like them removed from my credit report because it is stopping me from refinancing my home XXXX XXXX Account XXXX {$1300.00} XXXX {$100.00} XXXX XXXX {$1600.00} XXXX {$390.00} XXXX XXXX XXXX {$59.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$540.00} XXXX XXXX {$300.00} XXXX XXXX XXXX. {$250.00} XXXX XXXX XXXX {$29000.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX {$1000.00} NOW THESE ACCOUNT BELOW BELONG TO ME BUT THEY ARE REPORTING I HAVE MISSED A PAYMNT AND I HAVE NEVER MISSED A PAYMNT XXXX XXXX XXXX/XXXX FOR THREE ACCOUNTS ALL SAYING I WAS LATE AND I WAS NEVER LATE
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX ; XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. The contract had me as a primary and I never attend the school. Im a federal employee and hold a clearance. This is the only negative on my credit report. I have submit paperwork, hired a lawyer, and submitted the contracts showing the error. The company wont fix. I did not agree to these loans and the contracts are clear I did not sign these. I have to provide extra documents to get approved for loans, mortgages, and daily needs due to this error.
Product: Checking or savings account

I have been trying ( unsuccessfully ) for over 2 months to withdraw funds from my savings and CD accounts with Marcus by Goldman Sachs. I have around {$100000.00} of deposits with them in total. They will not allow me to gain access to my funds due to their in-house verification processes. They are not able to identify me with my phone number, driver 's license, passport, or any other form of identification. I have been told repeatedly that they can not verify my identity.
Product: Debt collection

They are in violation of 15 usc code 1681s-2 inaccurate reporting and reported contact
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : WFC Account Number : XXXX
Product: Checking or savings account

I received a text message from XXXX ( XXXX ) XXXX on Friday XX/XX/2022 at XXXX PM The text said : TRUIST : ALERT! An unrecognized device attempted to access your online account. Please visit https : //truist-security.com/auth.php? 
secure-login & verify your identity to secure our online experience I do not have an account with this bank so I know its a scam
Product: Credit reporting or other personal consumer reports

I put in disputes to all three credit bureaus send letter in the mail and he refused to dispute every item that I requested on my credit file. I even asked him to remove old addresses and put in my new address on the credit file, and they refuse to do that. Also also asked them to remove all items and explain the items that are on my credit file is not mine, and I refuse to send me any copies are signed document saying that I signed for particular items that are on my credit file. Also, there's a repo on my credit report that is not mine and I asked them to remove that and I asked him to send me sign documentation showing that I signed for the particular vehicle, and they refuse to send it to me. I also told them to remove names that are on my credit file that are not mine, and they refuse to remove me and that's all three credit bureaus. That's why I am filing this complaint because they're not doing their job adequately and efficiently and leaving things on my credit file and making my credit low
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. I submitted all documents on XX/XX/2021. There has been no response or actions taken by the Credit Bureaus.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate and Derogatory Accounts on Experian My Credit Report I am writing to formally dispute derogatory account information that is currently appearing on my Experian credit report. I have verified that these accounts should not be reporting because the companies associated with these derogatory entries are not the rightful owners of the debts, nor do they have any legitimate claim to continue reporting on my Experian credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to ensure the accuracy and completeness of the information that they report. Any information that can not be verified as accurate or that is being reported by entities that do not own the debt must be promptly corrected or deleted. 

The following accounts are inaccurately reporting on my Experian credit report : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX According to 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to report accurate information and update it as needed. If the information is incorrect or if the furnisher does not have ownership of the debt, the information must be removed. These accounts are not owned by the companies reporting them, and thus, they must be removed from my credit report immediately.

Please conduct a thorough investigation of these accounts, as required under 15 U.S.C. 1681i, and delete or correct the disputed entries within the 30-day period required by law. Additionally, please provide me with a copy of my updated credit report reflecting the corrections, and notify any other consumer reporting agencies to whom you have furnished this information of the necessary changes. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I went to www.lendingclub.com for a consumer credit transaction.

Lending club denied my credit application & sent an adverse action.

Denying my application & sending an adverse action is considered DISCRIMINATION against me the Consumer.

Me the consumer & natural person was excising his rights under Title 15 Chapter 41 when LENDING CLUB was DISCRIMINATING.

LENDING CLUB is also committed fraud by denying my credit application for the extension of credit.

This company violated 15 USC 1602 ( g ) by denying me something that only I can extend. I am the consumer, natural person, and original creditor.

Pursuant to 15 USC 1602 ( f ) credit means the right granted.

15 USC 1602 ( l ) states that a credit card means ANY CARD. That card is my Social Security Card.

15 USC 1602 ( f ) shows that credit means the right granted by a creditor. All of this means that only the original creditor ( me ) can extend credit with my credit card.

EXTENDING CREDIT IS MY RIGHT UNDER TITLE 15 CHAPTER 41.

LENDING CLUB showed discrimination because I was exercising my rights under Title 15 U.S. Code CHAPTER 41 CONSUMER CREDIT PROTECTION.

LENDING CLUB Failed To Comply With Title 15 U.S. Code 1691a ( 3 ) because the applicant has in good faith exercised any right under this chapter.

Title 15 U.S. Code 1691e ( a ) Any creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class.

Title 15 U.S. Code 1691e ( b ) Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection.

LENDING CLUB denied my credit application thats an UNAUTHORIZED ACCES DEVICE & UNAUTHORIZED CREDIT CARD US Pursuant To Title 18 U.S.C. 1029 ( e ) ( 3 ) & consider a CRIME Pursuant To Title 18 U.S. Code 1029
Product: Money transfer, virtual currency, or money service

I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which involved me making deposits for a total amount of XXXX USD from my PayPal account to fraudulent investment firm ( XXXX ).
Product: Vehicle loan or lease

I accepted a loan from this company through a dealership in XX/XX/2023. The tradeline was opened on my credit report the following month. Things seemed fine until I began looking for ways to boost my credit score in XXXX and noticed that this account had not been updated on my credit since XX/XX/2023 and while it reflected that the payments for those 3 months were on time, the balance had not changed. I contacted the company in XXXX and was told that they report every month. I questioned why my report did not show an update since XXXX and was told that I would need to send an email to their disputes department. I questioned why an email was needed for something they said they do automatically. In a later phone conversation, I was told that the prior representative should not have told me they report every 30 days because the XXXX XXXX department only had XXXX person and they were " working through a backlog ''. Again, they told me I would need to send an email to disputes and wait for them to get to it. In XXXX, I began looking to re-finance this loan due to the high interest rate. When I reviewed my account online for the balance, it reflected ( incorrectly ) that I was due for payment from XXXX, the account was 16 days past due, but the last payment made had been XXXX. When I questioned this, I was told " the App is having issues '' and the account was current and not due until XXXX. I was again told to send an email if I wanted my credit report updated. This company does not offer billing statements, and everything is done through the App, so if it is not correct, how can I manage my account properly? At this time, I again checked my credit report and found that not only was it not updated for this account since XXXX, it was now showing the account marked " closed '' but still full balance owed. I again questioned this with the company and was told to send an email. I refinanced the account with another lender for a better rate on XX/XX/XXXX and a payoff was mailed by the new lender to the physical address on the payoff letter on XX/XX/XXXX. As of XX/XX/XXXX, the App still reflected a balance and no payment since XXXX. I chatted with an agent and was told that the payment has not been received or applied and it could have been because the entire payment team had " been off for the holiday ''. I asked if the payment would be backdated since the payoff was only good through the XXXX. They said they could not answer that question. As of XX/XX/XXXX, the App still did not reflect my account paid off. I chatted with an agent who said the account was paid in full as of XX/XX/XXXX on their side and not sure why the App did not reflect that.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

After Social Security administration told me that providers card mobile banking account has received my XXXX XXXX XXXX payment on XXXX of XXXX i have reported thatto providers, card, customer service the providers card account isnt showing the payment that was received i need my missed XXXX XXXX XXXX payment of {$910.00} i keep sending email messages to providers card email address and dont get the results i need and deserve to receive by them every time i call them i leave them voicemail tomessage and they dont call me back i have considered placing a lawsuit against them for holding my XXXX payment that belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

There's unverified collection accounts that's reporting on my credit report inwhich neither credit agency physically verified, in accordance to the FCRA, each account should be verified snd send consumer an physical account. However, if this is not provided then the accounts should be removed. I have no knowledge of these collection accounts dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Debt collection

Regions bank Collections is calling for a debt not owed, but misapplied by Regions employees in the Regions bank system. There is an elderly person at our number and the calls are interfering with ability to provide adequate and appropriate in home health care. Two Regions Collection agents over the past week were told no payments were due and the account up to date based on in person visits to bank branches over past two months. The first Collection agent spoke as if she took the information in a responsible manner and would follow up on status. Today 's Collection agent was clear after being told the above he did not care about the information we shared. He attempted to be intimidating and rude in the manner of a Collections bully. 

Two payments were misapplied within Regions over the past two months : one on bank deposit boxes, and one on the personal line of credit loan.

We went into a branch again today and found Regions employees misapplied our payment to the wrong place. They said their system showed ( 1 ) a {$90.00} outstanding due on what they term " the personal line of credit loan '' and ( 2 ) a credit of {$270.00} on what they call " the personal line of credit account ''. This is the same thing : the Regions Personal Line of Credit. What happened in Regions system is the loan payment was applied to the annual fee for the personal line of credit account. It is likely the payment for the annual fee was applied to the personal line of credit loan. 

We asked Regions main branch to process paperwork that no phone calls are to be made again, but communication in writing. 

We need to ensure Regions Collections does not process notice of late payments or other negative credit rating information against our accounts to any credit bureau.
Product: Checking or savings account

Multiple disputes filed with my financial institution Chime for transactions that weren't authorized. Multiple times I have called to dispute unauthorized transactions on my account to only be told that the transactions were authorized a d I had lost the disputes. No information is provided how they determine the transactions were authorized. I can promise you they were not and I never recoup my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2015 Capital One incorrectly reported missing corporate credit card payment as my personal negative item to XXXX credit bureau. I recently discovered it is still there on my personal credit report. I contacted Capital One, closed that account and ask bank to remove it from my personal file. They not only refused to do it to me, but also refused it after I disputed it with XXXX. So, XXXX refused to delete this item too. I have XXXX credit score with other credit bureaus, but not with XXXX because of that issue. No other bank ever reported my corporate credit cards, nor mortgages to any credit bureaus as my personal depts. I think all banks should follow the same regulations and practices. I need someone to take a look on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

By manipulating his personal information unlawfuly with an intent to introduce a collection to his Equifax credit report and in retaliation after complaining about this credit bureau, Equifax violated Mr. XXXX asserted rights especially the ones under the Fair Credit Reporting Act ( FCRA ). As of today XX/XX/2019 Equifax either pretend No issue existed or Equifax is challenging the law knowing it violated the FCRA in Mr. XXXX case. Equifax decided to write Mr. XXXX Record in the way it sees it profitable for Equifax. Equifax must comply to the FCRA or a lawsuit about those violations caused by Equifax is coming to face this credit bureau. Equifax Has all the information necessary to correct Mr. XXXX personal information and without waiving his rights, all stated herein is to his current state of belief, knowledge and understanding and subject to anything and at anytime by him and without prior notice .Equifax you know what you need to do. Comply to the FCRA and address the issue with good faith or you will loose at the end when you face an indictment of fraud directed against a citizen and a severe punitive damages and other will be requested in a court of law so you chose between doing the right thing or face the legal consequences of your wrong thing youve been engaged in.
Product: Credit reporting, credit repair services, or other personal consumer reports

My brother legal name is XXXX XXXX XXXX, not XXXX XXXX. Can you fix this error if you can? on the ADDRESSES section, His address was never XXXX XXXX XXXX XXXX, # XXXX XXXX, MI XXXX, His address was never XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. His address was never XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, MI XXXX. Can you fix these errors if you can? My brother 's ALIASES name is not XXXX XXXX, XXXX XXXX, XXXX, XXXX, J. 
His alises name is XXXX XXXX, XXXX XXXX XXXX. My name is XXXX XXXX without counting my middle name. 
Can you fix this errors if you can? 

Can you fix delete these errors if you can that I listed?
Product: Debt collection

Thank you for providing a copy of all the communication from XXXX until charge off date. 

I observed that XXXX provided creditor information on some letters and not on other letters. I would request that on all communication which didnot have creditor information, XXXX reveiew its record once again and provide the name of the creditor on the date that communication was sent to me.
Product: Bank account or service

I apply for America Express Serve Card and they advertised early deposit and on XXXX/XXXX/2015 did not process my direct deposit.
Product: Money transfer, virtual currency, or money service

I received my way2 go card with XXXX deactivated. XXXX XXXX as XXXX bday XXXX card # XXXX XXXX XXXX XXXX