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

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CT XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XX/XX/XXXX.
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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX 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 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: Payday loan

I paid check n go {$550.00} by my debit card by phone. Later when o checked my account there was a pending charge for {$490.00} that I did not authorize. I contacted them and they stated that it was n't in their system so there was no way for them to reverse the charge and assured me that the charge would fall off. I expressed my concern that this pending charge would cause my rent to bounce and they advised that anything that I am charged such as bounced check fees or late fees as a result of their error would be reimbursed. My bank was unable to do anything because it was a pending charge and had not gone through yet.Because of this I went ahead and paid my rent hoping the charge would fall off. It did n't fall off until 5 days later and as a result my rent bounced and I was charged {$200.00} in fees. I contacted check n go and advised I have screen shots of my bank acct as well as a letter from my bank proving all of this. The rep spoke with his manager who said that they will not help me because they do n't show it in their system. I asked to speak with the manager and I was told no to go online and complain.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX  Date of inquiry : XX/XX/year> XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX  Account XXXX : XXXX TransUnion : XXXX XXXX  Date of inquiry : XX/XX/year> XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Checking or savings account

On XX/XX/2017 my BOA checking account was charged a $ XXXX  monthly fee due to what I was told was having less than a {$1500.00} daily balance in my account. I had previously been told in person at my local branch that I had only needed to keep a monthly average of {$1500.00} in my account to avoid this $ XXXX monthly fee. Upon calling BOA this fee was explained to me to be a daily balance, not a monthly balance upon which I told them of the discrepancy of what I was told in person at my local branch and what I was being told at that time. I asked if the fee could be waived at that time due to the misunderstanding and the 12+ years of solid standing I had with BOA upon which I was told no by the first and second level call representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information. Upon requesting my free consumer report and file I was not able to receive it. Correspondence from Equifax claims Ive been supplied the requested information, but I have not. 

Attached is the adverse action I got regarding this issue Certified mail receipt # XXXX
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late Closed, charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; Accounts : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning is lying in their reply to my complaints. 
They have obeyed the law, blocked the item as required, then broken the law by reinserting the item WITHOUT the authority of the law. 
The info is coming from the bank, XXXX. They are in cahoots with each other. 
Early Warning is the CRA, they report the info XXXX gives them. I, as the consumer, can provide 4 documents to the CRA and by law, the CRA must block to items I identify in 4 business days or less. 
Early Warning has done this multiple times. 
Now the law, section 605B of the FCRA allows the CRA to reinsert the item if 1 of 3 criteria is proven. 
1. Asked block was in error. 
2. Material misstatement of fact by consumers. 
3. Proof that the consumer received goods or services from the blocked item. 

These are the ONLY 3 reasons a block can be lifted. 
NONE of those 3 exist. All 3 are not true. How does Early Warning add the blocked item back onto my file with them? They break the law blatantly then call my complaints frivolous. If they are true and backed by the police findings and law, how can my complaint be frivolous?
Product: Credit reporting or other personal consumer reports

I recently pulled up a credit report and noticed a fraudulent charge that is not mine that is negatively affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection account. {$5.00}, XXXX past due as of XX/XX/XXXX. Is wrong Date opened XX/XX/XXXX Is wrong Adding information to my report with out my knowledge. I have no contact with this company I have tried to dispute this matter. I never receive the original contact information
Product: Credit reporting

XXXX XXXX has indicated it has finished its investigation, however, they provided a report that is clearly incomplete. I have submitted a second dispute, and believe this company is now in clear violations of the FCRA. My intent is to sue. This company continues to indicated areas where I have never lived in, and reporting on them ; in addition, they have deliberately and intentionally phrased what my former employers have stated. I have evidence to such disregard by statement directly from my former employers.
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I had a payment of XXXX due on XX/XX/2019. I submitted my payment from an XXXX educational award on XX/XX/2019. It took XXXXwo days to process and shows my payment was accepted by the institution ( Nelnet ) on XX/XX/2019 at XXXX. However, it is now XX/XX/2019. Nelnet continues to refuse to update my account to reflect the payment they received 5 business days ago. Now my account is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has 2 inquiries I have disputed that have not been removed and I did not authorize These need to be removed immediately. 

XXXX/XXXX Inquiry from XX/XX/2018 National Credit Card XXXX. 
XXXX, XXXX. 
Inquiry from XX/XX/2018 All Others
Product: Debt collection

XXXX XXXX XXXX has sent an account for us to collections with National Credit systems. The charges are erroneous and excessive. We have seen numerous changes to the amounts. From {$27000.00}, to XXXX and lastly XXXX. None of these number are correct. We requested a validation of the debt. On XX/XX/2021 a return signature for a letter requesting validation was signed by National Credit systems. It was not returned within 30 days as per the Fair Credit Reporting laws and Debt collection practices. We were not provided timely documentation. Thus, this entry is illegal and was removed from XXXX and XXXX reports. XXXX had yet to remove this fraudulent account.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please remove these items ASAP. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing this complaint because JSZ FINANCIAL CO has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been asking the credit bureaus to fix my credit report for over 6 months now. They have my birthdate wrong and accounts on my file that are not mine. All of the bureaus have been notified and still nothing. They WILL NOT CHANGE MY BDATE.
Also they are showing 2 accounts from national credit adjusters that are not mine and a bankruptcy on XXXX. I have had a issue with id theft and these are just not my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently on the forebearance plan right now and keeping informing XXXX for the last 6 months that my balance keeps going up by a massive amount on all 3 credit reports dropping my score by 100 points. I provided the information to them was told someone was going to get back with me about the issue with the balance increasing every month mine and wife credit report. I am also missing data on the reports were it is not showing current status as part of the Covid 19 relief bill. I made several attempts to file dispute with XXXX, XXXX, experian, and XXXX XXXX  nothing been done to update the the balance investigation why data is not updating properly and balances. I called several times to XXXX XXXX  the reps have a attitude and never get anything resolved.
Product: Debt collection

D & A Services contacted me about an alleged debt. I requested a Debt Verification Letter via email provided and they are still contacting both myself and my spouse after the request to provide this information. When I tried to contact via email again to the address provided, my email is blocked.
Product: Checking or savings account

After decades with Bank of America, our accounts were closed without warning and without reason. We found out that our credit cards were cancelled when we attempted to use them at the store. They left us scrambling to set up a checking account to make sure we could make payroll and keep our creditors paid. Having no explanation for closing the account is bad enough, but the lack of warning just seems cruel, at best, to do to a non-profit school.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and XXXXnder 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Mortgage

Our home was damaged by XXXX in XX/XX/XXXX. From day 1 i have been open about this being an estimated claim of $ XXXX $ XXXX and 100 % compliant to Caliber Home Loans request and documentation. Situation 1 was the poor mishandling of our 2nd advance check it took them nearly 30 days to endorse and get it back to us. one delay in this process was me having to re-verify that the previous payment was an Advance, even though they had already endorsed and released this check to us themselves.another delay was them sending the check back to me for my signature which contradicted their instructions to not endorse the check and mail it to them, to prevent mailing a " Live '' check once they endorsed upon verification of " Advance '' status and returned to Us. It seems that every call I make to Caliber Home loan Loss Draft dept I get a different answer or policy. On XX/XX/XXXX we finally received our first look at the Proof of Loss by our adjuster. At this point I relayed this information to them and asked exactly what we need to do to have the specified amount of final payment handled swiftly. I did what was requested and to no surprise, once the actual check arrived they added more requirements for documentation, hence delaying our funds. On XX/XX/XXXX the final settlement check was deposited into their account. they spent 2 weeks to issue payment to 2 contractors which had been on file for at least 30 days. Now that all contractors have been paid in full and the home has passed a 90 % inspection they still refuse to dispurse the remaining funds which are intended for the Kitchen ( remaining 10 % ). There is a XXXX estimate on file to justify the cost of the final repairs. However Cabinets must be Prepaid before we can get a final invoice, this seems to be an industry standard.They are questioning me about the cost of Kitchen, etc because the quote is higher than remaining funds. This deficiency is occurring because the used funds for my " Flood '' claim to pay an invoice/contractor that was associated with my " Wind and Hail '' claim. Ultimately I do not care about this as the contractor had me on a payment plan ( to help me with a high deductible ) and was obviously getting paid regardless. They chose to merge the 2 claims into one in there system, it does not give them the right to control my repair plans for our Kitchen.I have had several of their representatives agree with my pleadings and offer to personally monitor my claim and give call backs on important updates/decision and/or requirements. This has never happened once and I still get a different representative and longer hold times each day I call.They say they are operating within federal regulations, which each representative has a different policy. If this is true the Regulations must be changed immediately. My family was blessed with much support from family, friends and local businesses to get our home to 90 %, without them I would still be renting a second home and waiting on Caliber Homes Loans to give us the run around and not restore our life.Please note Caliber Home Loans did not miss a mortgage payment from us during this Natural Disaster
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Beureaus have FAILED Miserably Once again. The Following Accounts are in clear violation and SGALLL be REMOVED IMEDIATELY! According to the IRS Government Agency. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ADDITIONAL INFORMATION - Charged Off Account ; And also XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX : XXXX Account Number XXXX ADDITIONAL INFORMATION - Charged Off Account ; These account are being ran as charge offs. I have never received the 1099 cancelation of debt form and because of this the account isn.t accurate and must be removed immediately Furthermore If your debt is forgiven or discharged for less than the full amount you owe, the debt is considered canceled in the amount that you don't have to pay.

Also if you have cancellation of debt income because your debt is canceled, forgiven, or discharged for less than the amount you must pay, the amount of the canceled debt is taxable and you must report the canceled debt on your tax return for the year the cancellation occurs.
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. 

Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : UNKNOWN : Account XXXX Account Name : XXXX XXXXXXXX : Account XXXX Account Name : XXXX : Account 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 : 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 apologize for the second complaint but I was unable to submit a response to provide documentation. 
I have a rental property and the mortgage was with Ditech. It was sold to XXXX XXXX on XX/XX/XXXX. ON XX/XX/XXXX I did not have a new account number with XXXX  to make my XXXX payment so I called Ditech and they told me to make a payment to Ditech and they would forward the payment over to the new company. Ditech never forwarded the payment and I was marked late with the new company, but i didn't know this until late XXXX ( the end of my 60 day grace period ). I began making payments to XXXX in XXXX and made intermittent payments throughout XXXX and XXXX to make up for the lost payment. But as of XX/XX/XXXX I was still {$220.00} dollars short of 3 months. They counted that as 60 days late for the XXXX payment and XXXX  reported me to the credit bureau with a 60 day mortgage payment. I have now sold my primary residence and can not get a loan for a new home with that on my credit report and XXXX will not take it off. I believe the problem began with an error by Ditech. I would like Ditech to talk with XXXX to say it was their error and not mine. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT A DISPUTE TO XXXX  AND EXPERIAN AND WAS NEVER TREATED AS A VCITIM OF IDENTITY THEFT. THEY DID NOT HELP ME AND HUNG UP ON ME MULTIPLE TIMES AFTER FOLLOWING THE FCRA SEC 605B 15USC LAWS
Product: Credit reporting or other personal consumer reports

My social security on my Experian credit report is incorrectly listed. There are two social security numbers showing the last four digits, which are both incorrect. 

There were XXXX credit cards ( XXXX XXXX, XXXX XXXX, and XXXX Bank ) opened under my name without consent or authorization. I have disputed each on all three credit reports without success. I have notified the Credit Card companies without success. I am a XXXX retired widow living on a limited income. I receive XXXX benefits and can not afford to accrue credit card debt. 

I've put a freeze on all three credit bureaus and have filed multiple disputes. I'm informed these dates are accurate, so it does not appear I have any recourse. These charges have caused me XXXX  and distress, which exacerbate symptoms of my physical health issues. 

I am asking for support and assistance to have these unauthorized credit cards removed from all three credit reports. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION LLC is using my private information regarding 501 ( c ) ( 1 ) TAX EXEMPT ENTITY in PROHIBITED TAX SHELTER TRANSACTIONS for purposes of EMBEZZLEMENT pursuant to AGGRAVATED IDENTITY THEFT in commerce without consent nor return of benefit without XXXX or XXXX forms ever being filed. 

TRANSUNION BOARD OF DIRECTORS given notice of damage FROM TRIBAL LEADER via XXXX CERTIFIED MAIL NUMBER XXXX XXXX XXXX XXXX XXXX and refused opportunity to cure. 

TRANSUNION BOARD OF DIRECTORS now being given NOTICE OF INTENT TO LIEN and INTENT to SUE.