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

Transunion, XXXX and XXXX has stated they received bankruptcy information from the creditor which is United States Bankruptcy Court, Northern District of Illinois. But I received a letter from them ( United States Bankruptcy Court, Northern District of Illinois ) stating they never gave them this information. I believe this is wrong and unlawful. If they receiving information from third and fourth parties how can I believe the information is true. I asked them to correct it around XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian to get something removed from my credit due to XXXX  of my husband from XXXX. Instead they requested late payments to be updated. I never told them to do that. This made it look like i was just on a payment and I was not. It was disputed due to XXXX related issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing a fraudulent account that has been reporting on my credit report. The company is Discover Credit Card {$3000.00}. A credit repair company provided me with the documents of this account. I immediately contacted XXXX to dispute this account. 

Spoke with the customer service representative and was told to contact Discover. I called Discover Fraud department and was told by them to provide them with documentation showing this account was not a account I opened. I submitted the police report, and affidavit of fraud and forgery that was notarized by my credit bank. I also sent them identity theft victim information sheet that I filed as well. 

This process has been ongoing with them. Discover sent me a letter in XX/XX/XXXX saying that after their investigation the account was opened in XX/XX/XXXX, and they provided an address that is not an address where I have lived. At that point I had my apartment complex provide Discover with a letter stating I have only lived at one address in the complex. And as of today XXXX and Discover are holding me against my rights to an account they have failed to prove I opened. 

According to FCRA 605B ( 15 U.S.C. 1681c-2 ) block of information from Identity theft. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency '' .... but this matter has been going on for years and XXXX nor Discover Credit Card has upheld this law.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have applied for a short sale with Bank of America. They keep closing my file and make me start all over with the process due to missing paperwork and no paperwork is missing. Time is of the essence and this needs to be handled by a competent person. Five months has already been wasted waiting on Bank of America. I try to call the phone numbers that they have provided and I keep getting disconnected by their automated system.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX VIA XXXX, EQUIFAX  AND XXXX HAVE REPORTED CHAPTER XXXX A BUSINESS BANKRUPTCY ON MY PERSONAL CREDIT REPORT ... THIS IS A VIOLATION OF F.C.R.A. RULES AND REGULATIONS. I ATTEMPTED TO DISPUTE THIS ERRONEOUS PUBLIC RECORD AND REQUESTED IT TO BE REMOVED FROM MY REPORT WITH NO LUCK FROM ONE OR THE OTHER AGENCY WHO ALL BLAME IT ON XXXX XXXX WHO IN TURN STATE THAT THEY DID NOT SELL THIS INFO TO THE BUREAUS, AND BUREAUS STATE THEY GOT IT FROM EITHER XXXX XXXX OR FROM COURT, AND COURT STATES THEY DO NOT FURNISH NOR VERIFY NEITHER RESPOND TO CRAs ... where is the truth here ... .. IN A MEANWHILE MY PERSONAL CREDIT REPORT HAS SUFFERED A BIG DAMAGE, MY SCORES DROPPED I WAS DENIED CREDIT SEVERAL TIMES, A FEW OF MY PERSONAL CREDIT CARDS HAVE CLOSED DUE TO THIS ERRONEOUS PUBLIC RECORD REPORTING .... AND I CAN'T SEEM TO GET ANY ANSWERS, CORRECTION OR REMOVAL OF THIS FROM ANYONE. I JUST FILED MY COMPLAINT WITH FEDERAL TRADE COMISSION WHO ASSIGN A CASE NUBMER AND I'M SCHEDULED A FOLLOW WITH THEM, ACCORDINGLY I'M FILING MY COMPLAINT WITH YOU CFPB AND HOPE FOR THIS TO BE RESOLVED WITHOUT FURTHER LEGAL HASSLE In response to a recent Attorney General settlement, the National Credit Report Agencies are supposed to significantly reduce the amount of tax lien and civil judgment information found in consumer credit files by XX/XX/2017. 

XXXX XXXX XXXX
Product: Checking or savings account

Since M & T Bank took over my Peoples Bank Account there is a continuous problem accessing my account through their online banking system. When I login I keep getting locked out of my bank account and when I call their customer service rep ( that is if their customer service center is open ) they have no answer for the lockout. The rep will unlock my account and all seems fine for a few hours and then it goes back to being locked out again and again day after day and its been for 5 days straight now and this has been happening since the change over to M & T Bank. The reps keep stating that it is a sensitive alert system and they start to laugh or chuckle at me!! This also happens every time I try to send money through their XXXX online banking program and I mean every time! I constantly get a fraud alert and get locked out!? I am logged into my own account using XXXX from my own account and I get a fraud lockout!? How is it fraud if I am successfully logged into my own account at the time!? And then locked out of my account again and the kicker is M & T Bank does not have a XXXX hour customer service center to call to unlock my account after XXXX XXXX so I cant access my own money till the next day!? A XXXX hour service needs to be set up to resolve account issues after XXXX XXXX especially for account lockouts!? This is a serious problem that has been going on for far too long!!
Product: Credit card

This has become an alaraming pattern of negligence and possible intentional negligence and malice when it comes to the billing of my card with US Bank. 
Thsi pertains to the reversal of XXXX provision credis despute the bank being in receipt of my paperwork related to the disputes, failure to provide signatures/drafts or evidence of chip usage for my card, and failure to provide doucmentation that a YELP order was received ( it wasnt and they cant prove it ). 
So the provision credits that should of been permanent credits to my account are : 1.XXXX ( XXXX ) XXXX -- POssibly the most egregios. From a city in the middle of Virginia that I have never visited 2. XXXX XXXX ( XXXX ) -- -didnt authorized the charge. Please show me a signed receipt. You cant because there isnt one. 
3. XXXX XXXX ( XXXX ) I never received the food from this order. It was ordered but must of been delivered to a different address. Again no proof provided showing it was delievered to me. 
Attached you will find copies of correspondence sent to US Bank alongside a troubling letter that US Bank references " an attempt to reach me via phone '' with no reference to any matter. Saying " if we dont hear form you by XXXX/XXXX/17 we will not complete the investigation ''. Well i did call and sent multiple faxes telling them XXXX XXXX wasnt a valid charge and to give me a signed receipt. The decided to make matters worse and over turn the provisional credit before their " self imposed deadline '' of XXXX XXXX, 2017. 
I have made it clear to US Bank i will communicate in writting or email. As a small exception, I did in fact called the alias " XXXX XXXX '' XXXX XXXX but alas no one was available. It was all in vain as US Bank had olanned on reversing the provisional credit for XXXX XXXX all along. 
This was a calculated, premeditated act by US Bank. 
Please see copies of communication with US Bank on this matter.
Product: Bank account or service

Lately I 've been monitoring my credit report, and out of nowhere I saw that my score had dropped XXXX points, which really discouraged me because I 've been trying to pay my bills on time to have my score in a good standing point. I looked for further details on why my score dropped and it was because CREDCO pulled my report. I 'm not familiar with this company, and I 'm not even located in XXXX XXXX, XXXX, im located in XXXX. I then took action and sent them a dispute letter, for them to remove this item because they are violating the law by having no permissible purpose on pulling my report. 2 weeks later they sent a printout, which i will attach, basically saying they had a permissible purpose, and that someone that I have no knowledge authorized them to pull it from my report. I then sent another letter demanding them to remove it, and today on XXXX/XXXX/15 they sent me the same printout, which is far away from proving that i authorized them to pull my report. Even after i told them I have no knowledge of this company, they still did not delete this off of my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Inquiry on My Credit Report To Whom It May Concern, I am writing to formally dispute an unauthorized inquiry on my credit report, which I did not authorize and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S. Code 1681b, credit inquiries must have a permissible purpose and explicit consumer authorization. Additionally, 15 U.S. Code 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of the information they report. Given these legal protections, the inquiry in question was made without my knowledge or consent and must be removed. 

I respectfully request that you : Immediately remove the unauthorized inquiry from my credit report. 
Ensure compliance with applicable federal statutes in handling consumer credit data. 
Provide me with an updated copy of my credit report reflecting this correction. 
For verification, I have attached copies of my identification and proof of my current address. Please confirm receipt of this dispute and provide a written response within 30 days, as required under the FCRA. If no action is taken, I may consider further legal remedies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Attachments : Photo identification Proof of current address
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft TARGET/TD Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit card

Dear Wells Fargo Customer Service, This letter serves as a formal complaint regarding a significant discrepancy in my outstanding account balance as reported by Wells Fargo and the XXXX  App. My personal calculation of the outstanding balance as of today, XX/XX/year>, indicates a balance of {$90.00}. However, both the Wells Fargo website and the XXXX XXXX are displaying an outstanding balance of {$11000.00}. 

To illustrate the discrepancy, I have provided a detailed breakdown of the transactions from XXXX and XX/XX/year> that led to my calculated balance : XX/XX/year> Transactions : Date Description Amount XX/XX/year> XXXXXXXX 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 Return Check XXXX XX/XX/year> Interest Adj XXXX XX/XX/year> Bill Pay XXXX Total From XXXX XXXX Export to Sheets XX/XX/year> Transactions : Date Description Amount XX/XX/year> Mortgage XXXX Export to Sheets Calculated Total Balance : Total From XXXX + XXXX Mortgage = XXXX {$90.00} The significant difference between my calculated balance ( {$90.00} ) and the reported balance ( {$11000.00} ) is concerning and needs immediate attention. I request a thorough investigation into this discrepancy and a correction to my account balance as soon as possible. 

Please provide a detailed explanation of the reported balance of {$11000.00} and identify the source of this error. I also request confirmation once the necessary corrections have been made to reflect the accurate outstanding balance of {$90.00}. 

You can contact me at XXXX to discuss this matter further. 

Thank you for your prompt attention to this serious issue. 

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

You are in violation of reporting incorrect information on my consumer report. The company responded to CFPB and stated that the account would be removed from my report, yet it is still reporting. Please see the attached dispute letter sent to the company, which is dated, and time stamped as well as the cfpb complaint stating that the account would be removed XX/XX/2023. I am demanding that the account XXXX XXXX XXXX ( XXXX XXXX ) be removed from my credit report immediately.
Product: Bank account or service

I requested account closure and the company has failed to comply with my request. They respond by not responding!
Product: Payday loan, title loan, or personal loan

First I received an email from XXXX XXXX XXXX that my account was sold to XXXX XXXX XXXX XXXX. Then I started receiving calls from a XXXX from Alliant Capital Management they started saying if I did not pay {$13000.00} and set up payment arrangements that they were going to pursue a judgment on me and garnish my wages and I need to lock in with them right then and right there. I was scared and frightened. I did research and no such company exists. I do not know if it is a legitimate company and do not want to make payment arrangement unless I am certain and I do n't like being threatened. The original amount of my loan was {$600.00}.
Product: Money transfer, virtual currency, or money service

HI, I 'M FROM XXXX XXXX, I OPENED AN ACCOUNT IN COINBASE, WHEN I WAS TRYING TO VERIFY MY ACCOUNT THEY BLOCKED MY ACCOUNT AND I HAVE ABOUT 60 $ IN THERE, I TRIED TO GET AN ANSWER FROM THEN BUT I DID NOT RECIEVED ANY ANSWER, I HAVE SEVERAL DAYS WITH THESE PROBLEM AND I NEED AN ANSWER, IM DESESPERATE, PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX GMFINANCIAL XX/XX/22 RE. We have disputed this account.
Product: Credit reporting or other personal consumer reports

I have several items being reported to all XXXX credit bureaus, XXXX, Experian and XXXX that's causing severe damage to my credit. 

15 U.S.C 6508- I have the right to opt out on anything on my credit report.

15 U.S.C 6802-6805- obligation and disclosure of personal information 15 U.S.C 1681- permissible purpose ( remove all hard inquires ) * Any charge-offs on your credit report with a 3rd party debt collector means that the item is CHARGED-OFF.

*When your debt is sold over to a 3rd party debt collector, it is then considered as a certificate of indebtedness. which goes along with the 1099c which is now considered as income and INCOME CAN NOT BE REPORTED TO YOUR CREDIT REPORT. 

I have addresses on my credit report that are NON- MAILABLE XXXX told me that that would remove them as well as XXXX XXXX but Experian is refusing to remove the addresses and refusing to tell me where they got the address from, but they are making reports to my credit which is in violation of my rights under the Privacy Act of 1974. 

Items being reported to each credit bureau that I am opting out of, and need removed : 1.Dept. of EdXXXX XXXX ( 3rd party ) - reporting {$1100.00}, {$460.00}, {$1500.00} and {$4800.00} all XXXX items were discharged and are still being reported to all XXXX credit bureaus. 

XXXX XXXX sold over to a third party ( XXXX XXXX XXXX XXXX XXXX still reporting {$610.00} to all XXXX credit bureaus. 

XXXX XXXX XXXX sold over to a 3rd party ( XXXX XXXX XXXX XXXX XXXX still reporting {$540.00} to XXXX and XXXX XXXX 

XXXX. XXXX XXXX XXXX {$1100.00} charged off ( removed from XXXX but still being reported to XXXX and Experian ) XXXX. XXXX XXXX sold over to a 3rd party ( XXXX XXXX XXXX XXXX - {$1000.00} charged off still being reported to XXXX and Experian. 

XXXX debt was discharged, the contract was falsifying information and null, and void due to XXXX never sending over my paperwork to my lien holder which was XXXX XXXX and the company also paid my car off through my SOCIAL SECURITY, got my lien release paperwork, and has been selling my title and was still taking money from my account for over 2 years. They are still calling me harassing me for a payment for a vehicle that is paid off and also had my vehicle reposed and auctioned. Still being reported to all XXXX credit bureaus. 

XXXX. XXXX XXXX-sold over to a 3rd party ( XXXX XXXX XXXX ) {$1000.00} still being reported to all XXXX credit bureaus.
Product: Debt collection

I received a call this morning from a group that identified themselves as a courier service that wanted to make sure that someone would be available at my home to receive legal documents. 

When I asked what legal documents the person was referring to they let me know that they would have to transfer me to Hewitt Capital who had more information on the situation. XXXX, the representative for Hewitt Capital let me know that XXXX XXXX XXXX was seeking a civil suit against me for a remainder owed on a payday loan from XXXX of 2015. 

When I just spoke with XXXX she let me know that her company was not a debt collection company and that was why she failed to let me know that her call was an attempt to collect a debt. It was my understanding from our conversation that she was representing Hewitt Capital in a civil suit being levied against my by XXXX XXXX XXXX. 

However, Instead of providing me with just that detail XXXX told me that I could resolve the Civil Suit by taking care of the remaining balance due with a credit or debit card over the phone with her. I gave my information to avoid any further possibility of a civil issue and XXXX told me that the suit would be cleared immediately.
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. I am disputing your claim based on the fact that I have no knowledge whatsoever of any account or transaction between myself and this collection account below. Nor is the account number you claim I have with you familiar in the least. You provided me with no information as to the nature of this account, any documentation that any such account exists. Next, I do not have any recollection of any valid contract involving me and the account to which you are alleging/referring too and believe none exists. 


Original creditor : 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. 

Account name : # XXXX XXXX Account number : # XXXX, Account name # XXXX XXXX, Account number : # XXXX, Account name # XXXX XXXX, Account number : # XXXX, Account name # XXXX XXXX, Account number : # XXXX, Account name # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX Account number : # XXXX, Account name : # XXXX XXXX, Account number : # XXXX, Account name : # XXXX  XXXX, Account number : # XXXX, Account name : # XXXX  XXXX, Account number : # XXXX, Account name : # XXXX XXXX XXXX Account number : # XXXX, Account name : # XXXX XXXX XXXX XXXX, Account number : # N/A, Account name : # XXXX, Account number : # XXXX, Account name : # XXXX, Account number : # XXXX, Account name : # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX Account number : # XXXX, Account name : # XXXX XXXX XXXX, Account number : # XXXX, Account name : # XXXX, Account number : # N/A, 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 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$30000.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}