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

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. I did dot give them permission to check my credit you will not find my signature on these XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a horrible divorce and over {$42000.00} in atty fees I found myself scrambling to find ways to pay the attorneys ; high interest/no collateral 'predatory ' lenders seemed to be the only choice and the last resort. In XX/XX/2017 I contacted XXXX XXXX XXXX XXXX about 'Debt Relief. ' PLEASE NOTE : All monies go through Global Client Solutions LLC ( GCS ). I saw an ad that claimed XXXX ( GCS LLC ) could negotiate with high interest lenders and reach workable 'settlements ' so that clients could avoid bankruptcy and/or receive legal protection from judgements and other adverse court actions. Although XXXX ( GCS ) has settled with one of the major lenders there isn't enough money left to attempt a 'settlement ' with either of the remaining lenders. I have been told by reps for XXXX ( they call themselves 'para-legals ' ) " if you want more done, you'll have to pay more money! '' It 'seems ' that the majority of my {$680.00} per month payment goes to XXXX ( namely GCS ) and NOT to any creditor! I would also like to point out that I am a XXXX XXXX XXXX XXXX  veteran living on a VA and an XXXX monthly check ... there is NO MORE MONEY! I've fallen into a vicious cycle of predatory lenders and even more predatory attorneys and the debt relief legal firm : XXXX XXXX XXXX XXXX and their collection parent or sister company : Global Client Solutions LLC..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

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 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 I AM A VICTIM OF ID THEFT NEVER GAVE THESE PLACES PERMISSION TO RUN MY CREDIT
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account i am asking you to verify as accurate XXXX  XXXX account XXXX XXXX  XXXX account XXXX
Product: Debt collection

Account Name : PRO COM SERVICES OF ILL Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Status : Collection Account of {$420.00} The information above is on my credit report, and it's from a collection agency which is an infringement on my right provided by the Fair Credit Reporting Act because I was not informed in any way possible ( mail, email, or a phone call ) about the debt. I called the agency and I was told they sent a letter back in XX/XX/XXXX. I moved to a new address on XX/XX/XXXX, so I would have seen the letter ( s ) they claimed they sent. The most unfair part is the debt they claimed I owe is in the amount of {$420.00}, if I got the letter ( s ) they claimed was sent and I was able to verify the debt, I would have paid it. I have an unfair negative item on my credit report because of this.
Product: Credit card

I was a long time Bank of America customer. I closed my account because they have no branches in my current state ( UT ). After having paid in full, I closed my accounts and moved. My now closed account was charged by an annual subscription to XXXX that I was unaware of. They accepted the charge to my closed account and I did n't pay because I had no further relationship with BoA. I went to apply for a home loan and was told this delinquent payment existed. I immediately paid it in full, however they have refused to remove either the charge or the delinquent statement from my credit. Their mistake will cost me thousands of dollars on my home loan and I do not know what to do. They have been absolutely unreasonable and though the individuals I have dealt with have been sympathetic it comes down to this : I can never full end my relationship with BoA. I now how to watch them for years to come ...
Product: Vehicle loan or lease

i am requesting a full copy of my consumer credit, retail installment contract and all other documents signed the day of the transaction such information is documentary evidence pursuant to 15 usc 44
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experienced ongoing issues with removing unknown accounts on my credit report. I have sent in multiple dispute letters and have yet to receive anything. I sent off an original dispute letter asking for them to send over certain documents that requested them to send my original contract with my signature attached. I never heard anything back. I then sent off a 30 Day Demand of Comply letter after waiting 45 days. To this day, I still have not received anything. Under FCRA, failure to validate the debt in 30 days demands an automatic deletion. Furthermore, the original signed contract has still yet to be sent to me. I demand deletion!!!! 
ACCOUNT NUMBER : XXXX : XXXX CAPITAL ONE : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX
Product: Money transfer, virtual currency, or money service

Involved in scam with XXXX through Wells Fargo. Spoofed number called from sisters phone number stating that they had my sister at gunpoint and would kill her unless {$500.00} was transferred using XXXX. XXXX owns her own dental practice and this situation seemed all too real for a robbery, especially since the call was coming from her number. Money was sent due to fraud/scam and threat to life. Date of loss occurred XX/XX/XXXX. Caller stated their name was XXXX and used number on XXXX of XXXX. Immediately called and filed claim with XXXX XXXX and XXXX fraud/scam. Also filed police report and reported to FBI. Received denial of claim letter XX/XX/XXXX. Wells Fargo refuses to refund {$500.00} even though this was clearly a scam/fraud and was reported within XXXX minutes of the occurrence.
Product: Credit reporting or other personal consumer reports

Navient refused to accept and acknowledge the federal government terms of service for forbearance based on covid.
Product: Mortgage

My XXXX child was hit by a commercial van on XX/XX/XXXX. We almost lost her, there was an extensive hospitalization. I lost my husband on XX/XX/XXXX from XXXX. I was left with XXXX children ; my XXXX has XXXX and XXXX, myXXXX child was born with XXXX and XXXX. 
I work as a XXXX and struggle daily with the financial obligations of homeownership and medical expenses for my children.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 card or prepaid card

On XX/XX/2018 I became aware that my Identity was being used to open and attain credit card accounts through the " XXXX '' service. 
On XX/XX/2018 I went to a post office explaining that I was a victim of identity theft and I needed to change my address. With I.D . in hand I handed over the appropriate address change card. 
A result of my change of address was the suspect was notified by procedure via the mail that I was changing my address. XXXX XXXX XXXX then changed my address when the USPS sent notification to the address, she is residing in. Potentially receiving mail sent to me on disputes. 
XX/XX/2018 Filed an Identity Theft with the FTC and have report # XXXX On XX/XX/2018 I was told of the fraudulent address change by the USPS that occurred XX/XX/2018, and that is where my mail has been going. 
On XX/XX/2018 I was in contact with the Postal Inspection Service, received my first case number from them, I have multiple case numbers now, XXXX, XXXX, and Reference # XXXX. 
XX/XX/2018 My USPS agent requested additional monies from me ( {$10.00} ) for a package that had an address on XXXX XXXX XXXX. that had been forwarded from the XXXX XXXX XXXX. He also had a letter that was addressed to me at a XXXX XXXX in XXXX that had been forwarded in the same manner. 
The package and the letter were from XXXX XXXX, something I had no knowledge of prior. Inside the package was a customer Order Summary which said {$660.00} was being billed to me, the order date was XX/XX/2018, I had completed a Credit Freeze and Fraud Alert on XX/XX/2018 with XXXX, XXXX and XXXX. 
XX/XX/2018 I called XXXX XXXX at XXXX, spoke to XXXX ( XXXX ) in Loss Prevention. XXXX said there was not a credit freeze when the order was taken, and six of the products had been delivered in two boxes, with XXXX  dropping them off at the XXXX XXXX XXXX, and the mail carrier had delivered them to XXXX XXXX XXXX. 
During that call I informed them that my identity had been stolen, and the account is a fraud. I did not apply for the card/account, they have a fraudulent application in my name. I gave my name and personnel information, notified of my actual address and a phone number so that I could be reached in the future. 
That call was at XXXX for 40 Minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was totaled in XXXX. The insurance company contacted Credit Acceptance corporation to get payoff so they could send the payment for the balance of the car. XXXX XXXX sent payment to Credit Acceptance. The car was paid off but Credit Acceptance continues to report negative information on my credit report. I have called them to ask them to update the report and they told me they don't handle the credit reporting. As of today 's date the information is still inaccurate and the balance is inaccurate. I had Gap insurance to cover the balance but they will not update it.
Product: Debt collection

I am a veteran I never used this hospital Or emergency room please show physical proof that I came to this hospital oe a signature I came here if you can not provide this delete this from. My report Can someone help me From Cpfb this is identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX  XXXX XXXX : - XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX  XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$2700.00} XXXX XXXX  XXXX XXXX Balance : {$3300.00} XXXX  XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A miscellaneous company did a hard pull on my credit report, and I have no idea who they are and did not give permission. The name is cbcinnovis.
Product: Debt collection

I contacted Alpine Credit Inc. on XX/XX/XXXX I spoke to a representative in regards to a medical debt I owed. I asked the rep if they were willing to offer a settlement to pay two debts that were in their office. The rep said they were willing to give me a settlement offer to pay these two debts in full she gave me that dollar amount I told her that I would send them a check in that amount to have these two accounts paid in full. I then asked her once she received my payment could I get a paid in full invoice, she said that I needed to call back and that once the payment was received they would send me a paid in full invoice. 

I called back on XX/XX/XXXX to make sure they received my payment and get the paid in full invoice. The rep I spoke to told me that my accounts were not paid in full and that I owed additional money and that they would not be sending me an invoice that these accounts that were paid. I told her that I spoke to a rep on XX/XX/XXXX she told me a dollar amount to send that would pay these accounts in full. The rep then told me that I was must have misunderstood because the notes the other rep had put in computer showed that I was only receiving {$25.00} off my balance and that I needed to send them more money. I then asked the rep if I could speak to a supervisor because that is not what I was told, she told me she was the supervisor and that I still needed to send more money. I asked her if all the calls were recorded she said yes they were I asked her to review the recordings to clear this up. The rep said she would and would get back to me in a couple of days. 

I called back on the XX/XX/XXXX I was told the rep I have been working with was at lunch and to leave a voice mail, so I did asking her to call me back. I did n't get a call back from her so I called again on the XX/XX/XXXX left anther voice mail. Still after not getting a call back I called on Friday XX/XX/XXXX spoke to another rep she said that the rep I have been working with was reviewing my file and that I would receive a call back that day which was XX/XX/XXXX, I never received a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co signed on this car with my ex with XXXX. My ex defaulted car got repoed. I made an offer to settle the debt that was owed after auction for {$3000.00}. They accepted that term and was suppose to update my report to " charged off settled '' status. They have yet to do that they keep reporting it as open with a pass due balance of 7000 something dollars I have emailed and called them several times and they keep giving me the run around while they continue to ruin my credit. I have two letters one where they accepted my agreement and the 2nd one where it shows I paid it and that they will update it to charged off settled. I paid this debt XX/XX/XXXX. When I dispute it they send the same wrong info to the credit reporting agency.
Product: Checking or savings account

Transaction was made from my saving account to my checking account. I made two transactions that day at a couple of restaurants. The first XXXX XXXX by XXXX and the second one at XXXX XXXX with my debit card. The card was taken away to make payment out of my sight. Then returned. That night XXXX and the following there was a couple of transactions I didnt not recognize XXXX and XXXX a total of XXXX between some transactions made at XXXX XXXX ATM machine from a country club in New Mexico, they made a withdrawal. And also an ATM at XXXX XXXX. Both places I never get to visit. I have screenshots of amounts being withdrawn. And also a police report. They called me from a Wells Fargo Number so thats why I provided information.
Product: Checking or savings account

The XXXX XXXX XXXX assigned to handle the complaints adopted the following tactics : She ignores any fact/evidence she chooses entirely, as if it was not presented to her at all, and when pointed out ( repeatedly ) to address it she states that she already saw it and ignored it, and requests new information to ignore. This obviously leads to a convenient one sided outcome every time.

This approach is unacceptable. This is not a Wild West but a regulated industry, and such abusive behavior is not allowed. The regulations must be followed, the XXXX XXXX XXXX  Act in particular.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bureaus regarding errors on accounts being delinquent and they are not. There are also addresses where I have never lived. The bureaus " verified '' everything, which is wrong and should be illegal. The negative and false reporting is hurting me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I notified TRANSUNION by certified mail of the following accounts : XXXX. XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX Pursuant to 15 USC 1681b ( a ) ( 2 ) permissible purposes of the consumer reports in general - subject to the subsection of ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is public information and TRANSUNION has been negligent and continues to commit civil violations against me. TRANSUNION has been furnishing these accounts on my consumer report without having my DIRECT consent! This is completely identity theft! They continue to provide me with investigation results stating the account has been verified as accurate - but fail to provide any adequate documentary evidence of having my direct consent. I have called their customer line and fraud department on several occasions and they refuse to assist me with my issue. They state they have not received anything from me or they received insufficient information from me. I demand they be held accountable for their violations and demand monetary compensation! I demand that TRANSUNION delete these accounts immediately! Today, XX/XX/2021 I received a response to the CFPB Complaint XXXX from TRANSUNION stating that they will need to " verify '' the information being reported on my consumer report. What federal law gives TRANSUNION any authority to " verify '' these accounts and needing to contact the creditors to verify? I am demanding that TRANSUNION provide me the federal law that states they have any authority to " VERIFY '' anything on MY consumer report. Also there has been an abundant number of " investigations '' done by TRANSUNION and the law clearly states that these " investigationgs '' shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a credit of the consumer or from the consumer. 15 USC 1681a ( e ). I am also just getting an automated generic response to my complaints!
Product: Mortgage

I tried to apply for bi-weekly payments. I completed the form and returned it to the servicer XXXX Dovenmuhele ) and they did not process it. When I called them they said it was put in a " suspense '' folder but that there wasn't a reason for it to be in a suspense folder. Then she said I needed to submit the form a second time. This is very common with this servicer. They do not do what they are supposed to do the first time. They take no ownership of problems and then they want the customer to do something again because they can't do their job correctly the first XXXX second or third time ). Then they suggested that I email it to them using a method which is not secure which does not protect my non-public information. Because of their error, enrollment in this program will be delayed another month. I asked for some sort of expedited processing, however they refuse and say I just need to re-submit the form and it will sit at the bottom of the line until they decided to look at it.
Product: Debt collection

A payday loan was opened in my name through identity theft. Filled with the FTC and mailed documentation to the bank and to the debt collector. The bank reviewed and found the claim of identity theft to be legit and removed debt from my name and from the credit bureaus. The debit collector ignored my letter and sent a second letter to collect. I have sent a follow up letter from the FTC identity theft page on XXXX.