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

On XX/XX/XXXX pulled a credit report and noticed several items that I did not recognize. There was three accounts that I never open and they seem to have been open at the same time. XXXX XXXX XXXXs XXXX ( XXXX ) wit a high balance of {$570.00}, XXXX XXXX XXXX XXXX ( XXXX ) with a high balance of {$1700.00}, XXXX XXXXXXXX XXXX XXXX Balance unknown all opened around XX/XX/XXXX. There was also six inquiries on my report that also didn't belong to me and I have not applied for credit with these companies. I have a police report including the items in question that help in getting the accounts closed. I do not know who opened these accounts or have I gave anyone permission to use my information for the purpose of opening any credit accounts.
Product: Credit reporting

I have disputed these accounts as being fraudulent and not my accounts or opened by me. They have refused to remove the accounts or have removed them at XXXX time and then re added them to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am seeking assistance for help with communication with XXXX. After recieving my consumer report- I have inturn sent a certified letter back to them disputing a few items on my report. 

They wrote me back saying, there record is factual and accurate. I deserve VERIFICATION, HOW,, did you verify this information, They are reporting 2 XXXX Accounts with balances of {$140.00} AND {$120.00}, I submitted proof that these items were PAID, and the line of credit account is actually reporting positive on my credit bureau account with Nothing owing. 

They also Have about 10 address listed for me, I sent a notorized letter as well with the same correspondence, showing them my correct, ONE AND ONLY address. 

I would like to know what method they used to verify these accounts and these addresses deleted and updated with my new one thank you so very much, for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has put information back on my credit report from XXXX, which is in accurate and falsely reflects that I had a late payment history with this company. I am attaching the supporting documentation I have already written an affidavit which stated that this was false reporting done by XXXX. XXXX continues to report this false information which makes it fraudulent. 
I have attached copies of the billing which I requested from XXXX. This clearly shows that I had no minimum payment due, and no late payments. The account was closed in XX/XX/XXXX. They continued to hold the account on an open status after I was told that it was closed and they terminated their banking relationship with me. This is where it created the so-called late payment however, how could I make a payment for something that I wasnt even aware it was due? This is truly deceptive. Note that the statement with a due date of XX/XX/XXXX says XXXX balance and payments of {$4800.00} that was the last payment made as of XX/XX/XXXX. TransUnion is also reporting this false information. I enclosed a copy of my TransUnion report, which does not correlate to the billing from XXXX. This is false reporting. The TransUnion report says the account was late from XX/XX/XXXX to XX/XX/XXXX, however that contradicts the billing furnished by XXXX. It also contradicts the date closed reported by TransUnion of XX/XX/XXXX, and below that it says XXXX of XX/XX/XXXX! Clearly this is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is showing a late on my XXXX XXXX  XXXX XXXX for XX/XX/2017. There should not be any lates showing on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent accounts which do not belong to me STILL reposting on my file in XXXX. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I also contacted XXXX  XXXX XXXX and then talked to their staff, and they agreed to remove the accounts from my file. I have already disputed these accounts several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting these accounts. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TransUnion a letter requesting validation and verification of the accounts on my credit report TransUnion sent 2 broiler plate letters along with a post card all computer generated and not signed by a natural person, their is no method or process for verification or validation furnished in the communication and I did not receive any proof of verification or validation. The inaccurate information contained in the credit file has misrepresented my true credit history and it has prevented me from be able to purchase house or receive a loan to attend college.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 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 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 But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

1. XXXX is reporting my loans with different account numbers breaking the loan down instead of one account number for all the loans combined, they are not seperate. 

2. XXXX XXXX XXXX XXXX  as well as XXXX XXXX XXXX are reporting the same amount with different account numbers as if they are two seperate debts. Auto Market of Florida sold the account to XXXX XXXX XXXX in which I did not give consent 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I mailed in dispute letters to XXXX, Transunion and XXXX. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. This situation as cause me stressed and is slowing down my process of getting a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

* My complaint is with XXXX XXXX XXXX for filing a negative post to my credit report and never letting me know that they had purchased this dispute. I have filed a dispute with Experian on XX/XX/XXXX. Complaint about negative posting on Experian Credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MI XXXX. Phone XXXX. See copy of credit report below. This negative posting was opened XX/XX/XXXX according to the information of the credit report with a Balance of {$220.00} on XX/XX/XXXX. The credit report notes that this is On record until XX/XX/XXXX I  received no prior notice via US mail or phone call or voice mail from XXXX XXXX XXXX before this was placed on my credit report. This dispute started in XX/XX/XXXX due to incorrect medical insurance coding on the part of XXXX XXXX XXXX XXXX XXXX my insurance provider at the time. I was advised me not pay any invoices until the coding was corrected. The next billing statement from XXXX was in XX/XX/XXXX and still incorrect. See copy of letter dated XX/XX/XXXX. The XX/XX/XXXX bill was still incorrect and I called XXXX and XXXX billing on XX/XX/XXXX. See copy of invoice and notes of call. XXXX told me I did not owe anything on this account with XXXX and that their insurance coding was still incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Compass bank continues to lie and slander my name and not focus on the events that lead to this complaint. In XX/XX/XXXX, I spoke to Compass Credit Card Department to indicated that I never received the card. I was then told the account was closed because the could n't properly ID me. Per the manger in the credit card department if I can go to a local branch and they can ID me and call in to verify me that they will reopen the account which took place. The XXXX CA Branch can verify that this took place. My focus is on the account # XXXX on XX/XX/XXXX reporting to early warning that I attempted an unauthorized transaction. First I want to point out that compass just confirmed in there response that my account was opened which contradicts them saying the transaction was unauthorized. The transaction actually took place on XX/XX/XXXX and I took a convince check from my XXXX XXXX XXXX Card into a local branch in XXXX CA. I asked the branch what is the best possible way to handle a balance transfer. The branch told me to write out the check to myself and deposited into my checking account. Being that the check is a credit card product before it could be deposited the branch would need to call over to the credit and authorizations department before it could be deposited because the system is flagging it for approval. After waiting about 5 minutes the teller was on the phone with the department and came back with an approval and said the funds where available in my account for immediate use. With all that said compass is reporting for misuse on this account with early warning but they already confirmed the account was opened and the transaction in question was approved in branch via credit and authorizations department. Compass keeps focusing on transactions that has nothing to do with the XX/XX/XXXX reporting. When the transaction was made on XX/XX/XXXX my credit card and checking account was opened. Compass then closed the accounts after the transactions were made which would make it an legitimate transaction not what they are reporting. Please investigate the XX/XX/XXXX transaction and correct my early warning reporting.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inconsistent and Inaccurate Credit Reporting To Whom It May Concern, I am formally disputing the inaccurate reporting of a creditor on my Equifax and TransUnion credit reports under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and verifiable information.

Upon reviewing my credit reports, I have identified a major discrepancy involving the same alleged account but reported under two different creditor names and with two different balances, as follows : Equifax Report : Creditor Name XXXX XXXX XXXX, Balance {$28000.00} TransUnion Report : Creditor Name XXXX, Balance {$29000.00} I am not familiar with either company and have never done business with them. The fact that this account is being reported with two different names and two different balances raises serious concerns about its validity and accuracy.

Under 15 U.S.C. 1681s-2 ( a ), data furnishers are prohibited from reporting inaccurate information to consumer reporting agencies. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of the information they report. Given the clear inconsistency in how this alleged account is appearing on my credit reports, it is evident that the information is unreliable and must be permanently deleted.

I am formally requesting that Equifax and TransUnion conduct a full investigation into this matter and immediately remove this inaccurate account from my credit reports, as required by the FCRA. If you are unable to verify and correct this account within 30 days, failure to comply will result in further action, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action. 

Please provide written confirmation once this matter has been resolved. 

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

Student loan forgiven and received letter from Mohela. When I sign into dept of Ed and Mohela my balance is XXXX. Disputed with all credit bureaus and they send back results showing still have balance of XXXX on my credit report. I need this updated to XXXX balance please.
Product: Credit reporting, credit repair services, or other personal consumer reports

LJ ross put something from XXXX XXXX on my credit report without validating the debt. XXXX  is not able to put anything on my report without going through the court due to a previous dispute. But at this time I do not owe anything to XXXX XXXX and LJ ross failed to respond to me in a timely matter and is thus reporting inaccurate data on my credit reporting preventing me from getting a home. Thus I will be looking at taking the next step in legal action against both parties.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time of transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. The issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Vehicle loan or lease

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This just proves your lack of proper record keeping. Now, this item is reporting to be late, yet it is closed and the balance is XXXX. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Your illegal activities are a violation of UCC law, FDIC policy, and the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX inquiries that appears on my credit that I did not do. The credit agency says they are accurate or they can not remove these from my credit file. I explained to them that I did not give permission for any of these inquiries from XXXX XXXX. I have no idea who they are or why they have continually retrieved my credit file. This is fraud! PLEASE DELETE ALL XXXX XXXX INQUIRIES PERMANENTLY FROM MY CREDIT FILE. Thank you.
Product: Debt collection

In review of myXXXX Credit Report there is a listing that Diversified Consultants inquired into my credit for the purpose of Collections.There is no associated debt nor are there any remarks indicating who the client/account that is in collection status. Listing on the report as follows : DIVERSIFIED CONSULTANTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/2018 Permissible Purpose : COLLECTION I contacted them twice on XX/XX/XXXX. After providing my SSN and explaining that I wanted to know why they were making an inquire on my account for collection, the first representative explained that they don't have a record of me and hung up. The second representative stated that Diversified Consultants provide 'personal services ' and then hung up.

In both cases, neither representative could identify why the inquiry for collections was made. I am submitting this complaint to prevent further action from Diversified Consultants until I know why they are making these inquires.
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. Capital One XXXX 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 : states a consumer reporting agency can not furnish a account without my written instructions. 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. 
The above is the reason I first submitted the complaint. My information is being used by someone else and it is reflecting on my credit report. When I try contacting the creditor, I am unable to obtain information on the, mentioned account because the account holder information conflicts with my information. This account isn't my account and I need it removed from my credit report.
Product: Credit card

On XX/XX/XXXX, I purchased some XXXX XXXX with the 2-year XXXX coverage ( {$29.00}, price+tax ) as a gift for a relative on XXXX using my XXXX XXXX  store credit card, the order total was over {$290.00} so I got a 12-month promotional 0 % APR. 

I got a text and screenshot from the relative showing that when the XXXX  were added to their XXXX  device, the XXXX  displayed a " Limited Warranty '' and " Eligible to Add XXXX '' even though I already purchased the plan when I ordered it online, so I shouldn't need to purchase again. 

I contacted XXXX customer service through chat on XX/XX/XXXX ( agent XXXX XXXX and XX/XX/XXXX ( agent XXXX  ) to make sure the service plan I purchased was attached to the device. Both agents confirmed that the plan was purchased on the order but was not attached to the device. They recommended I contact the Best Buy XXXX XXXX customer service and provided me with a case number and contract ID for the XXXX.I called on XX/XX/XXXX and got nowhere with the representative, they stated that the person I purchased the XXXX  for would not see the service plan since it was attached to my BestBuy email from the order and I'd need to be present at an XXXX Store with them if they ever needed to put in a claim, it made no sense. 

After the runaround, I filed a dispute with the Best Buy store credit card through Citi on XX/XX/XXXX as my relative purchased the XXXX  through the Settings of their device directly through Apple and I needed a refund. On XX/XX/XXXX I got an email from Best Buy " Action Required by XX/XX/XXXX to Activate XXXX '' where it was acknowledged that there was an issue applying the service to the device when they shipped it and if I didn't provide the IMEI or serial number by XX/XX/XXXX I would automatically get a refund to the payment methods. I replied to that email letting whomever know that I would be awaiting the refund and not following the steps since it had been purchased again directly through XXXX to avoid the headache and further mishap. The toll-free phone number the rep from chat suggested on XXXX did not recognize my SSN or credit card to talk with customer service about the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND OPENED FRAUDULENT ACCOUNTS IN MY NAME. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY PROFILE.
Product: Debt collection

This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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 inquiries 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 XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This collection account is being reported under my name for a XXXX bill I never received and a contract I never agreed to. I never opened a XXXX account, never received any statements, bills, or notices about this debt, and I had no opportunity to dispute it before it showed up on my credit report. I contacted the collection agency, but they have not provided any documentation proving the debt is mine. This is negatively impacting my credit, and I am requesting that it be removed immediately.