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

I have been going through troubling times. I havent been able to receive any financial help through my credit due to false information reporting on my credit and inaccuracies within them. 

In accordance with The Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights. 

XXXX XXXX XXXX XXXX Inaccurate accounts numbers listed : XXXX : XXXX Last Activity XX/XX/2022 TransUnion : XXXX Last Activity XX/XX/2022 In accordance to the Fair Credit Reporting Act any information that is inaccurate must be removed immediately. 

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts on my credit that I am not responsible for. I have no knowledge of these accounts and they are fraudualent. 

1. XXXX XXXX XXXX # XXXX {$710.00} 2. UNKNOWN # XXXX {$330.00}
Product: Checking or savings account

I signed up the Citi checking and saving accounts in XX/XX/2019 via the promotion. I was supposed to receive a {$500.00} cash bonus for completing the deposit and direct debit requirements according to Citis advertisement. I contacted Citi several times during this process. Each time I was told that I had completed all the requirements. Citi guaranteed the bonus should be deposited before XX/XX/2019. I have attached the previous chat logs with Citi. However, the time has long passed but I still have not received the promised bonus. After contacted Citi one last time, they told me I was not qualified for the promotion, which was against with what they told me before. I believe Citi lied to me and gave me, the customer, the wrong information during this entire process.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A cell phone account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) a secured Long opened at XXXX. A Car Loan Collection Opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). A Car Loan Collection Opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). A XXXX XXXX XXXX Opened at XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consume credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

For the past year, Wells Fargo couldnt figure out my mortgage payment because of some discrepancies while I was in chapter 13. Wells Fargo failed to remove the deferred principal balance in my accounts. I was informed by my lawyer XXXX XXXX to keep paying the same amount of money I was paid previously. I did not miss payment. I always paid the amount of money my lawyer told me to pay.Now I was told by Wells Fargo representatives because I didnt pay the full amount of money for my mortgage Wells Fargo is going to handle my homeowners insurance. It was not my fault that Wells Fargo couldnt figure my mortgage monthly payment. It took my Lawyer over a year talking with Wells Fargo to find a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was leasing a XXXX in XXXX. We returned the XXXX on XX/XX/XXXX, ahead of our deadline of XX/XX/XXXX. Later, we received notification in the mail from XXXX XXXX of late fees assessed against us for late return of the jeep. On XX/XX/XXXX, I spoke on the phone with an XXXX representative and explained that they wrongfully assessed late fees, and they explained I needed to provide proof. I provided proof via email the same day on XX/XX/XXXX and received no response. I followed up again on XX/XX/XXXX and again on XX/XX/XXXX with proof of our having returned the jeep on time, and received no answer from XXXX. Eventually, I was contacted by debt collectors and my credit score suffered from derogatory marks ( Date unknown ). My husband spent hours on the phone with XXXX XXXX on XX/XX/XXXX trying to get this issue resolved, and they said to call back later to follow up on this issue, but they would remove the charges and have this resolved. Later, my husband followed up and I found out that they had cancelled the outstanding balance but failed to go back and correct the historically inaccurate information which is still negatively affecting my credit score. I had warned them if this issue was not resolved I would be filing a complaint with the CFPB. I have already spent hours on the phone getting transferred from XXXX rep to XXXX rep and would prefer to avoid suffering through that process again.
Product: Checking or savings account

I have a checking account with Wells Fargo bank in XX/XX/XXXX, I discovered the somebody taking money from my account by XXXX transactions for any reason I dont know this person never in my life, dont know who is XXXX XXXX but he or she take {$800.00} and I was like 3 times into the bank and they dont want to help me, I really want to help me Im XXXX I have XXXX XXXX XXXX  Im not working and I need that money to pay the Mortgage bill, I will appreciate if you help me with this situation XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I understand consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit but nothing in my report is benefiting me or my credit standing, if anything it is harming my reputation, defamation of character, and capacity. Pursuant to 15 USC 1681 ( a ) ( 3 ). 

Experian is reporting an account without having done an initial investigation. 
An account with the name " XXXX XXXX XXXX '' is reporting on my consumer report. This account is inaccurate. This organization never had my permission to report on my consumer report. Who did they investigate? This is damaging my report and reputation as a consumer. 15 USC 1681a ( 2 ) ( A ) ( i ). I am requesting this account be removed immediately!
Product: Checking or savings account

I rely on paying my bills through XXXX XXXX. I also have several ebills set up with my Capital One Bank account. Over the past few months, I have been unable to use XXXX XXXX through their app. The app directs you to a web browser link which at least allows me to make a payment, but there are no ebills listed, notated, or found anywhere. I have called on multiple occasions to find out why I cant do basic online banking tasks and have been told Capital One is updating their XXXX XXXX. This has been going on for months and I am risking missing payments which in turn would affect my credit. The only way I can even see my ebills are if I log into my account from a computer/laptop. This is unacceptable in a Mobile phone world!
Product: Mortgage

SLS ( specialize loans servicing ) Is the most monster crocks thief fraud stupid heart dead on the planet earth All of theirs invester Should be in XXXX For getting rich by taking propels home foreclose on people by fraud Today the government extended and ban banks services from foreclosure people home till XXXX And these retards send me a foreclosure notice I am being Harass and abused by SLS Creeps come here front of my property which I am living in it and taking photos
Product: Credit reporting or other personal consumer reports

I called chase bank month ago. I received confirmation that the inquiries belong to a social that was one number off from being the same. I also filed a identity theft report for these inquirys. I was told the inquiry would be removed but it never happened
Product: Debt collection

Orginally applied for an account through XXXX for a sandbox. Thought the creditor was XXXX. Purchase was for XXXX on XX/XX/2021. I never got a written or email statement from Fortiva. I got a text message on XX/XX/XXXX for XXXX minimum payment due on XX/XX/XXXX. Never received an exact balance due notification. I tried paying on the link several times with both debit and checking information but kept saying it didn't go through. I still couldn't figure out who the creditor was. Think it was XXXX I get a threatening letter so tried the link again. No account information on this letter either. Just I needed to pay XXXX or XXXX bucks or they would do everything in their legal power. Link still didn't work. Now getting the same kind of letter with no account information. Just threatening text. Just says to call office promptly to pay {$90.00}. I don't have an exact amount, account number, or statement ever provided. Other reviews state this company is making false charges on their checking account if they give this information over the phone. I am terrified to do this. They are not XXXX  accredited. I would like a secure payment method, an actual statement, additional charges removed since this information was never provided, and off my credit report.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT  OF EDUCATIONXXXX XXXXXXXX DEPT OF EDUCATIONXXXX  XXXX DEPT OF EDUCATIONXXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I was contacted by National Credit Management at my place of employment in an attempt to collect a supposed debt. Later that day, I mailed certified letters to National Credit Management requesting proof and validation of the debt and to no longer be contacted at my place of employment. I requested to only be contacted via mail at my home address or via email. I also noted in the letter that I am not permitted to take personal calls at work. These letters were mailed XX/XX/XXXX and were received by National Credit Management on XX/XX/XXXX as evident in the delivery receipts from XXXX. 

On XX/XX/XXXX, I was once again contacted by National Credit Management at my employers office on their business line. This is a direct violation of the requests I have submitted to National Credit Management.
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit item was disputed and removed from my Transunion credit file. It then was reinserted at a later date without informing me of this in writing within 5 business days. The collection item is XXXX XXXX from my Transunion Credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment with XXXX XXXX is due on the XXXX of every month. XXXX XXXX is reporting a payment as 30 days late on my credit report from the month of XXXX  of XXXX that was paid on the XXXX of XXXX when the payment was only 8 days late. XXXX XXXX is also reporting my XXXX  of XXXX payment as 30 days late when it was paid on the XXXX only making it only 12 days late. I also made an extra payment of in XXXX of XXXX but XXXX XXXX knows that they get more interest if I don't make extra payments so they are tying to penalize me for a month that I made extra payments on, hence why they are being dishonest on my credit report about my payment date. I use XXXX XXXX online portal to make payments and I have attached screen shorts of payments that were process by XXXX XXXX  on the XXXX of XXXX XXXX and on XXXX of XXXX. XXXX XXXX is not being honest and is abusing their power of not having the late payments removed by not agreeing to remove the late payments. XXXX XXXX can clearly see in the online portal that the payments were made within the 30 day time frame.
Product: Money transfer, virtual currency, or money service

I am unable to withdraw my money from XXXX XXXX XXXX  and its not letting me. App hangs. Reached out to support on XXXX and XXXX. Not heard anything back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I noticed there were information on there I did not recognize. I reached out several time to the credit agencies asking for any documents bearing my signature. As of today I have not receive any documents bearing my signature. I would like your help in helping me resolve this matter.
Product: Student loan

Navient who owns my student loans keeps calling, emailing and texting me about repayment of my loans. They stated on XX/XX/XXXX, " the forbearance provided by the U.S. Department of Education ( ED ) only applies to ED owned student loans Your loans aren't owned by ED ''. It was my understanding the Biden Adminstration student load repayment pause moratorium which is set to expire on XX/XX/XXXX applied to all student loans. Navient has been calling, emailing and texting me nonstop for the last two months and I am tired of it. When I was making payment my student loan amount never seemed to lower because of all the interest they have tacked on. I know I owe my student loans but I do not feel it is right for them to harass me for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please make sure to update the following accounts as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX approximately XXXX I spoke with XXXX XXXX and XXXX XXXX ( Who stated that she was the Transunion 's supervisor of the fraud division ). I advised both that I had several inquiries on my credit file that I did not authorize. XXXX stated that transunion does not control what is reported on the credit file and that all inquiries are facts and the creditor has permissible purpose. I advised her that the creditors do not have my written authorization and I wanted a dispute of inquiries filed in order to get the inquiries deleted.The creditors in question are not required to provide transunion the authorization records is what I was told. They are committing an illegal act and violating my FCRA rights by refusing to investigate and remove inaccurate information. I provided the credit bureau with the police report information and item numbers back in XXXX of XXXX stating that I was a victim of Identity Fraud twice. 1 of the police report item numbers mentioned is XXXX. The inquiries in reference are : XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/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

My credit report claims that I have too many phone numbers listed, which surprises me as I have never had a phone account ; I have only had prepaid phones. To add to this matter, I have had my identity stolen in the past by an ex, but that should be off my report by now as it was well over a decade ago. I can not imagine what markings I would have on my credit report, nor do I understand how too many phone numbers would be reported. Regarding the phone numbers, I ask that this be taken off my credit report as it is incorrect information. I have never had any account open with phone services. This is affecting my credit and ability to obtain a credit card. I also wish to know what markings I have on my credit report as my name is on nothing but one credit card ( XXXX XXXX ) and no bills of any form. I need to understand what is happening because it would appear that my identity might have been stolen. I ask that the numbers be removed and that I am informed on what derogatory items I could possibly have on my credit.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach, and as a result, fraudulent inquiries have been made in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent inquiries be blocked and deleted from my credit report. 
The unauthorized inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I did not receive a letter stating what the debt was, nor that I could dispute it. I was contacted via phone and told they wouldn't do a payment plan with me and I would have to pay in full or get a loan to pay in full which would then just make me be paying a monthly payment to a different company. I was also told if I didn't pay my credit would be hurt from this going to the credit bureaus. This was back in XXXX when first contact was made. I told them I wanted this in writing and I would not talk with them again unless my mother is on the line with me or I get a lawyer once I can afford representation. They continue to call me almost everyday to try and collect the debt. Still no letter has been sent after 3 months.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of Bounce AI for what they are stating is a XXXX XXXX (??? ) account. I am disputing the validity of this collection and the reporting of it because I do not recognize the debt. I have no recollection of ever having the account. In addition, I have not received a call, text, or email which has furthered my suspicion of how this debt made it onto my credit reports. Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX/2023