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

I have ( 2 ) collection accounts on my Experian credit report from XXXX XXXX XXXX XXXX located in XXXX, FL that are fraudulent. This company has several complaints online of trying to scam people out of money and throwing fraudulent collection accounts onto individual 's credit reports. This company is a scam and they are trying to collect a debt that is not valid. They stated the original debt is from XXXX XXXX, year XXXX. Whatever this debt is, is 13 years old at this point and illegal to attempt to collect. They placed the ( 2 ) collection accounts on my credit report, stating the date of origination of XX/XX/XXXX- the original creditor verified this is not true. This does not add up. XXXX XXXX XXXX only had my maiden name, not my married name. They also were allowed to apply a hard inquiry on my credit report for new loans or new bank accounts, which Experian will not allow me to remove. Why would Experian allow them to view this information? That makes me even more of a target for identity theft. I verified with the original creditor 's new owner, XXXX XXXX, that no accounts have been sent to collections and they have no record of working with this company. I have already disputed these accounts with Experian and my dispute was denied. Every aspect of this situation smells of fraud, and I have been a victim of identity theft in the past. I am severely that my information is unsecure in the hands of Experian, and they will do nothing to help me delete these invalid items from my report. This item is past the statute of limitations for debt in Illinois to report on your credit report.
Product: Money transfers

Perthe requirements set forth by the FTC in the Civil Action XXXX. XXXX, MoneyGram and it 's agents are required and obligatedtoprotect the consumerfrom fraud and scams through conspicuous and prominent consumer warnings at locations offering MoneyGram products ( I will attach an excerpt from the finding ). 
I recently used a MoneyGramprovider, XXXX XXXX, to wire moneyand they ( XXXX XXXX ) didnot use any fraud warnings whatsoever ; no posters, no forms nor any receipts with warnings. Per a response I received from MoneyGram, the branch I used is supposed to warn the consumer and supposedly has fraud warnings on their verification receipts prior to sending ( confirmed by a letter from MG that I will attach ). I did not receive any sort of verification receipt with any sort of warning or fraud related info or questions ( I will attach my receipt I do have for reference ). Per discussion with the Division Director of XXXX XXXX they have fraud warning posters in their branches, however I have photographs of the branch I used and there are no warnings whatsoever. As a result of my ignorance and not being informed of the dangers of money transfers I was scammed out of {$2800.00}. Had I been informed of the dangers of sending money to a stranger I feel that I would not have done something that now seems so obviously stupid. I hold XXXX XXXX responsible as they were clearly negligent in their required duties to protect the customer. 
One last note ... a week later on XX/XX/XXXX XXXX XXXX from XXXX XXXX called me and asked if I could come in to fill out a form and answer some questions. He would not elaborate or tell me what the questions were or what the form was, just that the large amount I sent triggered a process that he forgot to follow. It is quite possible that this is the " fraud related questions '' that MoneyGram is referring to in their letter to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times since XX/XX/2023. My credit score and report will not update.
Product: Checking or savings account

On XXXX US bank allowed my cash to be stolen from my account XXXX at XXXX and XXXX branches from someone using my identity at the branch. I called us bank on XXXX they informed me to go to the branch, i went to the XXXX XXXX branch XXXX alerted the branch manager XXXX, she stated i could not file a claim until i had gotten a police report, including telling me she did give my money to someone who looked like me thru drive thru. {$3700.00} was stolen, it placed me in a immediate hardship leaving me homeless. I requested my funds be replaced and i continue getting no where. Im a victim of identity theft. My vehicle was hit in a accident leaving me without funds to repair my only transportation. XXXX was very rude in conversion she is part of conspiracy to discriminate against me changing my ein on my account unauthorized. The XXXX branch tellers was going into my account stealing money and giving my personal information to associates of theirs upon request not following the privacy laws and allowing multiple debits from vendors on purpose in all XXXX. US bank has accepted money and other tokens from high government officials to discriminate me personally, US bank stole my XXXX XXXX XXXX XXXX when i was 80 days behind on payment and demanded i pay the full loan amount to get my vehicle back by paying the two months i was behind, one reason for the discrimination is because i authored a book ( XXXX ) stating facts, knowing the conspiracy Donald Trump and his cabinet members are entangled in with the other nations, it is a retaliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each company listed below as well as XXXX, XXXX, and Equifax in an effort to remove the following unauthorized inquiries from my reports as they did not receive my written consent to access my credit report. Each company told me that they don't accept phone complaints for inquiries despite their websites stating that I can dispute over the phone. They also don't accept disputes for inquiries online. 

The following inquiries are listed on my credit reports according to the corresponding Reporting Agencies : 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 XXXXXXXX XXXX XXXXXXXX XXXX EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I strongly believe that these Agencies are attempting to stall the process and be a bigger issue than a help in the process of me attempting to fix the errors in my credit report. 

These errors are negatively affecting my ability to get a mortgage, a loan, a credit card, and negatively affecting my ability to obtain my military security clearance.
Product: Mortgage

Good evening, My home loan account number is Account XXXX with US Bank XXXX On XX/XX/XXXX, my XX/XX/XXXX payment was returned due to insufficient funds. 

However, I transferred the funds and made a payment of {$1200.00} from my bank account on XX/XX/XXXX to US Bank. To date, after repeated calls and nearly two weeks after sending my Bank Statements to prove the deduction was NOT returned, I have not received an update from US Bank. Their records still state that my payment was not received. I am getting the run-around. 

It is now XXXX and the potential false-negative report of a missed or late payment would negatively impact my credit score.

Calling their customer service line is pointless because the reps refuse to read the notes before giving me " inaccurate '' responses. An investigation was opened and I was told that to call back on XX/XX/XXXX. When I called back, they did not have any updates and I was told to check back again on XX/XX/XXXX. I checked my statement online and the {$1200.00} still has not been applied to the XXXX balance. 

As a US Bank customer of 6 years, this is the worst customer service that I have ever received. 

My phone number is XXXX. I would like an update from US Bank from a supervisor. I would like for the {$1200.00} to be credited to my account, and for any negative reports to be removed from my credit. 

I have been trying to pay the mortgage balance of {$100.00} -- payment increased due to escrow -- since my first call on XX/XX/XXXX -- However, I could not because of the initial {$1200.00} that was not accounted for. Their system will not allow to me make any payment amount other than the full balance due -- which is currently inaccurate. 

Thank you for any assistance that you can provide. I have called multiple times, emailed, sent the bank statements, and never received a response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

CapitalOne Venture One credit card charged me {$140.00} for services i did not receive. Capital One did not credit my account, Merchant did not provide service or credit my account.
Product: Credit reporting or other personal consumer reports

I had a XXXX account ending in XXXX that was sent to collections with XXXX XXXX XXXX. However, XXXX has confirmed that the statute of limitations expired on this alleged debt as of XX/XX/XXXX, and that they are not owed any money and will not be collecting on the account. 

Despite this, XXXX XXXX XXXX inaccurately reported this account as a collection item on my credit reports through XX/XX/XXXX. As of XX/XX/XXXX, XXXX is now inaccurately reporting this account themselves directly to at least Equifax. 

I have filed multiple disputes with Equifax to have this erroneous collection removed. However, the disputes are being denied, with Equifax stating the information is being verified as accurate by XXXX XXXX 

The only fair resolution is for XXXX, as the furnisher, to instruct all three credit bureaus to promptly delete this account from my credit reports, as required by the FCRA. XXXX needs to rectify their inaccurate reporting and provide confirmation to me once the account is removed. I look forward to their cooperation in resolving this matter.
Product: Checking or savings account

Overnight on Thursday XX/XX/XXXX the Federal TSP electronically transferred Treasury funds to my savings account at Bank of America. The funds hit my account before the start of business on Friday XX/XX/XXXX. 

The Bank refused to make those funds available to me for a total of 80 hours even though the balance in my various accounts at the bank exceeded the amount of the transfer by 300 percent and the source was clearly described.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX  ] [ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit report. The account in question is XXXX, with a reported balance of {$XXXX} and noted as Placed for Collection. After reviewing my credit report, I have identified the following inaccuracies : 1. Payment History : The account is marked as having been placed for collection ; however, the payment history reflects that I made XXXX  % of payments on time. This inconsistency suggests an error in the reporting of the accounts collection status. 
2. Account Status : The account is noted as closed on XX/XX/XXXX, and placed for collection. However, the information provided does not match my records, and I have no knowledge of any outstanding balance that would justify this status. 
3. Reported Balance : The reported balance of {$XXXX} is inaccurate based on my records, and there is no explanation for this amount or proof of its validity. 
These errors are significant and negatively impact the accuracy of my credit report. I am requesting that you investigate these inaccuracies and provide supporting documentation from the creditor to verify this information. If the inaccuracies can not be verified, I request that the account be corrected or removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 
To assist with your investigation, I have attached the following documentation : A copy of my credit report with the XXXX account highlighted Relevant supporting documents regarding this account Please confirm receipt of this dispute and provide the results of your investigation at your earliest convenience. I would appreciate a detailed explanation of your findings. If further information is needed. 

Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX ] [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. TN CHILD XXXX  : # XXXX, TENNESSEE XXXX. OF H : # XXXX, XXXX XXXX XXXX : # XXX, # 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 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 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. 

Further more XXXX XXXX issued a public statement about child support, liens and fines will no longer be reported on credit report yet it is still be reported.
Product: Debt collection

I have sent several letters asking for debt validation over the past 60 days and have not received any response from this creditor. According to FCRA 15 U.S.C. 1681g I the consumer have the right to demand all documents pertaining to this debt. FCRA 15 U.S.C 1692g 5 requirements must be sent to I the consumer and a debt must be validated in writing within thirty days of receipt of the letter. This creditor has violated this law. 

The first letter was sent on XX/XX/XXXX and the second letter was sent on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

3rd Request To Whom it May Concern : I am writing to let you know about an identity theft case that affected my credit report. Upon reviewing my credit report, I discovered fraudulent information that does not belong to me. This identity theft has caused significant harm to my financial credibility and has put me in a difficult situation. According to the Fair Credit Reporting Act ( FCRA ), I would like to ask you to block the fraudulent information from my credit report. Section 605B of the FCRA states that credit bureaus are required to block the reporting of fraudulent information resulting from identity theft upon receiving a proper request from the victim. I am also attaching a copy of the Identity Theft Report filed with the Federal Trade Commission as supporting documentation. Please investigate this matter promptly and block the fraudulent information from my credit report to prevent further damage to my credit history. Please provide me with a written confirmation once this has been completed. Thank you for your attention to this matter. I appreciate your quick help in resolving this issue. Please do not hesitate to contact me if you need any more information. Please update my addresses and delete from my credit profile.Sincerely, XXXX Also, you are in violation of laws : 15 US Code 1666 ( b ) ; 15 US code 1637 ( a ) ; 15 US Code 1681 ( c ) 2 ; 15 US Code 1681 ( s ) 2. Please delete/block the accounts attached to my FTC report ASAP. 
Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

My name is incorrect and should be under the initials XXXX and XXXX anything outside of that is incorrect. 

Also there are addresses relating to the state of XX/XX/XXXX that my information was used and identity was stolen. 

Also the city of XXXX, XX/XX/XXXX which ive never lived. 

Also a XX/XX/XXXX address, and a XXXX address in XX/XX/XXXXive never resided. Ive asked to have them removed and the bureaus will not
Product: Credit reporting or other personal consumer reports

XXXX XXXX, EXPERIAN XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX were contacted and noticed to Cease and Desist reporting of several currently reported injurious claims ; unproven yet to be factual and physically validated as true, correct, complete, timely and certifiably XXXX XXXX format compliant, regarding an alleged XXXX XXXX debt. 

The claim by XXXX XXXX XXXX XXXX XXXX. was to be checked for requisites and immediately removed from reporting of only factually true, complete, timely, validated and certified allegations. This original Notice was received XX/XX/year>. XXXX XXXX, EXPERIAN XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX failed to provide any of the requested information. 

This is an account that was previously removed from reporting to my personal credit profile, as XXXX  XXXX XXXX XXXX. This alleged debt was also previously removed from my credit profile when listed as the XXXX XXXX. Per my States reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without physically verified proof of fullness of truth, completeness of accuracy, timeliness of validity and/or certifiable compliant reporting elsewise to include but not limited to the standards and mandates described or hinted at via the applicable FCRA AND FDCPA laws XXXX much less the standard of compliant reporting of the documented perfect and complete Metro XXXX Format compliance XXXX reporting. XXXX XXXX, EXPERIAN XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 's current reporting practices are significantly deficient and unproven to be factually true, correct, complete, timely, validated, and/or elsewise certified compliant as related to the mandates and standards of lawful reporting, per the applicable aspects of FCRA and FDCPA to include but not limited to the mandatorily perfect and complete certified Metro XXXX XXXX reporting. 

XXXX XXXX, EXPERIAN XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 's are reporting inaccurate and incomplete information, in regards to the below noted allegedly derogatory account.
Product: Credit reporting or other personal consumer reports

. I looked at my Experian XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and I promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 16815-2 they are suppose to 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 accounts is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped XXXX points for the month of XXXX, when I called TransUnion to get more inside information as to why this is happening they told me to call the consumer finance department. I got my credit report and nothing looked out of place I want to know why it dropped a significant amount and if there is money owed that I'm unaware about.
Product: Payday loan, title loan, personal loan, or advance loan

Paid off XXXX  after XXXX years and a very rude and snotty lady said she didn't care and won't fix my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$10000.00} XXXXXXXX XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Student loan

Federal Student Aid sent me a letter on XX/XX/XXXX telling me that both of my loans were eligible to be discharged because I had met the terms for XXXX. One loan was discharged on XX/XX/XXXX, but the other has not been ( it is now XX/XX/XXXX ). I have called MOHELA several times in the intervening months, and have been told to wait. When I called them in early XXXX, they told me that my loan would be discharged by XX/XX/XXXX. That has not happened. I called them again today ( XX/XX/XXXX ), and after 5 and a half hours on hold, they hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Product: Credit reporting or other personal consumer reports

I discovered that three accounts had been opened in my name on my credit report by a company called XXXX XXXX XXXX XXXX XXXX and XXXX. These accounts were opened without my knowledge or consent, and I did not permit them to open XXXXXXXX XXXX credit card in my name. During a timeshare presentation I attended, they requested a soft pull to see my membership options. However, I later discovered that they had performed three hard pulls on my credit report, and to my surprise, I received XXXXXXXX XXXX  credit card in the mail after returning home. When I tried to cancel it through XXXX, they refused, and XXXX also refused when I reached out to them. This is a deceptive business practice, and they have used my credit information to open an account without my authorization, knowledge, or consent. Before attending the timeshare presentation, my credit score was XXXX. Still, now, due to the addition of these inquiries and the account to my credit, it has dropped to XXXX, making it challenging for me to move into a decent home. I want this account removed from my credit report immediately because I did not authorize it. I have already disputed the account, but the credit bureaus ignored my request for removal and my right to an investigation.