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

To whom it may concern, I was just looking through my credit profile and there are a lot of inaccurate information which i would like removed from  transunion, XXXX, XXXX  and other credit reporting companies. All of the following addresses are wrong and I would like removed off my file as these are not my address. The following addresses need to come off my report XXXX XXXX XXXX XXXX nj, XXXX XXXX XXXX XXXX nj, XXXX XXXX XXXX nj, XXXX XXXX XXXX XXXX nj, XXXX XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX nj. The only address that is mine and accurate is XXXX XXXX XXXX XXXX NJ XXXX. As for my legal name you guys gave me down for multiple different names the only name that should be on my file is the following XXXX XXXX XXXX XXXX. Lastly my employment information is all inaccurate. The only employment on file that is accurate is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

TransUnion has deliberately failed to accurately provide or generate a correct credit score and accurate data about accounts and history in my credit report. Also failure to generate accurate credit score that reflects credit activity and history of credit reporting and positive activity for years. This failure has resulted in low credit score and rating due to incorrect assessment by TransUnion. TransUnion has incorrect personal information in my credit report that Ive requested to be corrected and removed but has not been updated yet. These include wrong address and incorrect name and telephone numbers and social security number. TransUnion has ignored several requests to correct these problems and refused to respond. I have been denied access to my personal credit records after I requested TransUnion fix the problem. These errors have caused delays and denial of service and credibility.
Product: Credit card

I asked Sears/CBNA to remove me as an authorized user from an account and was told that I needed to talk to an X of mine as we are not on talking terms. I am not going to be held responsible. Sears basically said this is my own problem.
Product: Credit reporting or other personal consumer reports

. Subject : Dispute of Inaccurate Information on CoreLogic, XXXX, and XXXX Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my CoreLogic, XXXX, and XXXX XXXX report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities.

Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute. 
Specifically, I request the following details regarding your investigation : 6. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

7. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

8. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.

9. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

10. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken. 
Violations of Law : I believe the verification process by XXXX may violate my rights under the following laws : 6. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

7. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

8. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

9. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

10. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my CoreLogic, XXXX, and XXXX report. Specifically, I ask that : XXXX. XXXX, XXXX, and XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX, XXXX, and XXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX, XXXX, and XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX day late payment reporting on all of my Navient accounts for XXXX of XXXX although I was current for XX/XX/XXXX. I contacted Navient and the issue wasn't resolved. I filed a dispute with XXXX via certified letter with return of receipt asking for verification of the late payment. XXXX XXXX stamped the receipt XX/XX/XXXX. I was mailed the dispute results that were completed XX/XX/XXXX reporting accurate and updated with no verification of the late payments. I contacted XXXX and asked for the verification and they stated Navient didn't send it and that they will not bring the late payment to current although they do not have verification of the late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Findings for the investigation for the complaint filed on XX/XX/XXXX and completed XX/XX/XXXX? XXXX ( Confirmation number : XXXX ) continues to be non-disclosed. This is a continuous and unfair practice I have dealt with for 2 years. When creditors and Equifax report EVERYTHING on my account that negatively impacts my score, there is not a link to click on for my viewing. Please assist. Thank you!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX. Lease vehicle is involved in total loss. Call to XXXX XXXX confirms that holding payment until final check is acceptable. They state they will " Hold '' credit understanding a full lease buy out is coming. 

XXXX A series of calls are made both by me and my insurance company to get confirmation from XXXX on the buy out number and formal agreement in writing that the payment will be close account. XXXX states they need 7-10 days but after that period states they are " behind '' and can not provide the final numbers of release. Again I speak with customer service and I am told they will " hold '' credit. 
XX/XX/XXXX Credit report shows XXXX is reporting the account is past due despite a number of prior agreements that they are to " hold '' pending their ability to provide end of term financials, XXXX XXXX Series of calls are made where XXXX acknowledges they received the replacement value payment from insurance company BUT they have not updated the account to reflect the payment back to XX/XX/XXXX. As a result the continue to report the account past due now @ 60 days. 
XXXX XXXX Series of calls with XXXX where the states there are only two ( 2 ) lease people working area and they are behind. Again agree that payment has been received and they are " holding credit ''. 
XX/XX/XXXX XXXX states that the {$500.00} deductible most be paid XX/XX/XXXX Payment for the {$500.00} is made. This is what they state is the final requirement to close out the lease. 
XX/XX/XXXX Credit Agency continue to report delinquent payments. This despite XXXX XXXX full payment having been made XX/XX/XXXX and the {$500.00} payment made XXXX. Again XXXX states they agree that the account is paid in full but the group that is supposed to close out the account is behind. 
XXXX XXXX Calls into XXXX confirm the account shows " closed '' yet the online portal shows balance and XXXX  continues to report late XX/XX/XXXX Call with XXXX again confirms that account is paid in full and they are just waiting for their internal team to close the account out. 
XX/XX/XXXX Same story from XXXX XX/XX/XXXX Credit reports continue to report account late and delinquent. XXXX continue to report the account past due despite it being paid in full for close to 120 day. 
XXXX continue to state they will correct the reporting to remove the delinquency. I have disputed these charges @ Experian as well Despite the facts the lack of engagement on this issue by XXXX has dropped by credit rating from XXXX to XXXX do to several incorrect reports of delinquency and their continued statements that they intend to address it. 
120 days. 4 months. Totally unacceptable and no end in sight. 100 % being blamed on lack of personnel to address the issue in a timely fashion. 
XXXX has been made 100 % whole yet I continue to be penalized but their lack of action and continued incorrect reporting of a delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Dear Equifax : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. 15 U.S. Code 1645 Business credit cards limits on liability of employees XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. Under 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This item was deleted and you reinserted them without notifying me 5 days after this account is in violation. 
XXXXXXXX XXXX  Account Number XXXX XXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. 15 U.S. Code 1635 ( b ) Return of money or property following rescission - Right of rescission as to certain transactions XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX
Product: Debt collection

This is a complaint regarding Transworld Systems Inc. 

I received a call from a spoofed number ( trying to match my area code so that I would pick up ) on XX/XX/XXXXclaiming that I have an outstanding blance with XXXX XXXX XXXX in XXXX XXXX or XXXX XXXX. The claim, I believe was supposedly from an outstanding balance from XX/XX/XXXX 

I had received a call previously around XX/XX/XXXX, but claiming that the balance went back further. Any money owed to XXXX XXXX XXXX had been paid in full at that time, and I told them that when they called me in XXXX. I no longer had my car as of XX/XX/XXXXand moved out of XXXX XXXX in XX/XX/XXXX, not having incurred any additional balance and not owing anything as I had paid up to date. I also had not been sent any notification of any past due balance in a long time even inXX/XX/XXXX. I explained all of this to the person who called me on XX/XX/XXXX, and asked for a call back from their Supervisor ( their Supervisor was allegedly not available ), and I never received a call back. 

The only subsequent call that I received was one today,XX/XX/XXXX, that I initially missed. I tried calling back and reached another representative, with whom I confirmed the name of the company, who now claimed that the balance went back toXX/XX/XXXX. I tried explaining to the representative exactly what I stated above, and trying to add the fact that I had also never received any past due notifications in the mail between XXXX and the end of XXXX, but she refused to listen. I asked for a supervisor and she not only claimed that her supervisor was not available, but that the supervisor would say the exact same thing that she did ( which was nothing ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by XXXX XXXX to make any inquiry and view my credit report on the following dates XX/XX/XXXX and XX/XX/XXXX. This is a violation of the Fair Credit Reporting Act section 1681 B ( C ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAY IS MY 3RD TIME WRITING THE CREDIT BUREAUS ABOUT ITEMS THAT ARE REPORTING ON MY CREDIT THAT DOES NOT BELONG
Product: Credit reporting or other personal consumer reports

There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts. 

The accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I switched to a new XXXX and transferred all of my XXXX XXXX cards to the new XXXX. All of them transferred successfully, except my credit cards from Citi Bank, which were immediately flagged as " fraud '' and frozen, so I could no longer use them. This is the fifth time in five years that I have had this problem. It occurs every time I switch phones or get a new XXXX XXXX and every time I have to call to resolve it. 

On the same day at XXXX EST, I called Citi Bank to try and cancel my account because I did not want to deal with these issues anymore. Citi informed me that they would not close my account until they verified my identity and the only way to do so was to send me a text, but that it could NOT be to my phone number, the number I have had on file since first opening my account with them, and for over 15 years. They further said that I could provide " any '' phone number and they could send a text to it to validate my identity. I do not have another phone number. 

The agent escalated to a supervisor who repeated it and said they would send me a letter before saying " Okay goodbye '' and disconnecting the call. 

I called back on that same day at XXXX EST. The agent again refused to close my account or take any action whatsoever because they could not send me a text.
Product: Checking or savings account

On XX/XX/2019 contact Chase Bank to inquire about reopening a new account. I was told I needed to clear an amount that was in collections, then I could proceed. I paid the disclosed amount, and the rep, Mr. XXXX noted my profile, and told me that I was still eligible to bank with Chase, and could open a new account at my leisure. I stopped by my local branch on XX/XX/XXXX, and scheduled an appointment to open my new account for XX/XX/XXXX. I opened my new accounts at the branch with a truly amazing banker named Ms XXXX. The next day I also opened a Finn account for use when I travel locally and abroad. I also opened a U Invest account for investing on XX/XX/XXXX. On XX/XX/XXXX I stopped by a branch in XXXX Florida to make a cash deposit at the ATM machine, and the transaction was denied multiple times. I called customer service to check on this, and was transferred to their Loss prevention dept. I was shocked to find out that all my accounts were restricted, and the rep I talked to told me they were going to be closed, and she had no valid reason that she could provide. She also said I could NEVER open any accounts with Chase again. She apologized, and said Chase decided to close the accounts, and that was that. This is unacceptable. I can not condone or overlook this type of discrimination. There was no strange or irregular activity on any of my accounts. Chase extended even extended an invitation to restart our financial relationship. I do not appreciate the way Chase has treated me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this. Under USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please update. 

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

I have an inaccurate 30 day late payment that I wont remove from my credit report immediately. Please report all payments paid on time.
Product: Money transfer, virtual currency, or money service

paypal helding my XXXX dallar. i call and ask when i can had those money back. paypal tell me to wait until they feel like to let me had my money back. i say i will sue and call the police. they say go head.
Product: Credit card or prepaid card

XX/XX/2023. Capital one sent letter stating that they believed that a card was opened fraudulently using my information. This was not the case and i opened the account. They beleive it was fraud. I called and s/w fraud dept on 3 occasions. They contacted all 3 major credit services but dont know what the fraud was. They ckaim that someone else is using my identity. This is my account and I made the charges. They are confused as to what exsctly occured to freeze account. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

the card is showing as 30 days past due on credit reports for XXXX however i made XXXX payments in XXXX XXXX on the XXXX for the XXXX payment and XXXX on the XXXX for the XXXX payment. there should NOT be a late payment for XXXX as it was paid on XX/XX/28. i called and reported this to XXXX to which they replied " you are not showing late you are current. the credit reporting companies are reporting false information on tons of peoples credit reports. call them and deal with them. '' called transunion to confirm if there was a late payment for XXXX being reported and they told me there was a late payment reported for XXXX for XXXX XXXX i opened a dispute with transunion to resolve and XXXX XXXX said they will provide documentation showing there is no late payment for XXXX so we'll see if that documentation is actually provided or not and the late reported payment for XXXX is removed as it should be since its completely incorrect.
Product: Student loan

My loans transferred from XXXX XXXX to XXXX XXXX. I have made timely recurring payments to XXXX XXXX for 10 years. When the loans transferred an additional interest amount showed up. It was only {$1.00}, so I didn't think much of it. Also, when the loans transferred, my recurring electronic payment information did not transfer, so I had to set this up again. When I followed the prompts on their website to set up my payment, I set it up to pay the minimum amount due as suggested by the website itself. Once I set it up, the website had a little disclaimer that I may have to make an additional payment to since there is outstanding interest ( the {$1.00} ). To make that payment, the company charges {$0.00} processing fee for all one-time payments. These small discrepancies and processing fees probably add up for the thousands of students that have their loans transferred over to XXXX. 

I discussed this with an online representative, XXXX, and he said he could withdraw the {$1.00} " tomorrow '' without charge and set my recurring payment to the minimum. When I went back into my account later to verify, he had changed my recurring payment from the minimum amount due to the {$1.00}. If I had not caught this, I am quite sure I would be charged a late fee, interest, etc. AND have to pay additional one-time payment fees. 

To make sure I don't have to pay additional fees, I changed my recurring payment to a few dollars more to prevent any underpayment. Even after I did that, the same disclaimer came up saying I may need to make additional payments to cover accrued interest.
Product: Credit reporting or other personal consumer reports

There are multiple hard inquiries I see here in my account that I did not authorize or know about down below will list them 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 XXXX XXXX XXXX XXXX XXXX XXXX ( I was a XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These are all the ones I did not approve there are connected and reported to all the major credit bureaus they all repeat and connect with XXXX, XXXX and experian they all repeat for each hard inquiries I I would appreciate if these can be removed as I did not authorize or consent to these at all.
Product: Checking or savings account

I am the XXXX  and XXXX of the XXXX XXXX, XXXX XXXX XXXX , XXXX Chase bank closed my account based on fraudulent documents and accusations from two board members and a fired management companys false accusations against me. I have Bylaws and a registered document with the state of California the proves my position as XXXX=> I am allowed to hire/fire ; receive FAIR compensation for my role as XXXX  and make legitimate OPERATIONAL purchases for the business = ALL of which I have valid proof of, yet I was falsely accused by a FIRED MANAGEMENT COMPANY AND TWO TERMINATED BOARD MEMBERS OF MAKING FALSE PURCHASES AND illegally receiving a paycheck! Completely crazy.