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

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX  # XXXX -BALANCE- {$1100.00} DATE OPENED- XX/XX/year> Account Name : XXXX XXXX XXXX XXXX XXXX -BALANCE- {$770.00} DATE XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate correction to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are reporting the incorrect employer. I received an alert on XXXX/17 that I work for " XXXX XXXX '' and that is not accurate. My employer has already been reported and the correct name is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my Transunion credit report my name is misspelled and a totally different middle name form mine. Also Known As XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XX/XX/XXXX, Account Number : XXXX, has violated my rights. I looked at my Equifax credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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 or other personal consumer reports

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

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

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 4 business days after the date of receipt. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX  **** Balance Owed : {$1900.00} CB/VICSCRT XXXX Balance Owed : {$0.00} XXXX/DOFED XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$490.00} XXXX XXXXXXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX Balance Owed : {$520.00XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit card

XX/XX/year> I used supercheck that Wells Fargo sent to me to pay my rent XXXX XXXX I didnt know they gon na charge me balance transfer for XXXX XXXX The promotion paper said I can use supercheck to pay for rent. this supercheck is with my credit card and I thought when I use credit card supercheck to pay my rent wont be consider as balance transfer. I thought balance transfer means I transfer other credit card debt to the Wells Fargo credit card. This is really misleading. I didnt thought use supercheck to pay rent considering as balance transfer. They should not charge me XXXX $ for that. Advance withdrawal doesnt even cost this much money.
Product: Credit reporting or other personal consumer reports

I filed a FTC identity theft to report these separate fraudulent accounts. I just became aware when capital XXXX and XXXX  sent letters saying they were XXXXXXXX XXXX XXXX They would not remove them after countless calls. I had to file debt repair and keep paying to it wouldn't affect my credit even more. I had no idea I could file a report so that's why i'm doing this now. These accounts have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer XXXX credible report. I demand the aforementioned fraudulent items be removed from each of my consumer report and all collection activities related to said items cease persuant to my rights with the FCRA and FDCPA XXXX. 
additional inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I do not recognize the aforementioned accounts, collections, and hard inquiries in question. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft criminal complaint # XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, 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 accounts, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account was open fraudently.I was XXXX.I never open nor gave consent to open using my name.The account been reporting on my bureau after contacting Experian and XXXX XXXX.I would ask respectfully that the last page of the documents.That not my signature on the contract for XXXX.I signs the XXXX behind my name see id and social.If this cant be investigated properly and what procedure taken be forwarded to me via mail or email, I personally would ask for the legal address to serve suit. The name of XXXX is on the face of the report as well as XXXX  dates and a letter of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started fixing my credit a few months back and noticed a discrepancy on my child support account. I can honestly say that I have never been late on this account and I have never missed a payment. My XXXX  report does not show a late payment but has not reported any activity since XXXX. XXXX  and TransUnion are both inaccurately reporting a late payment in XXXX of XXXX ( XXXX  ) and XXXX of XXXX ( TransUnion ) and have not updated since XXXX and XXXX ( respectively ). I'm not sure why there is this discrepancy on my credit report, and I have tried disputing this issue multiple times with the credit bureaus but this account is still showing a late payment when I was not late.
Product: Debt collection

Repeated, unwanted calls every single day. The CapitalOne company sent information saying it can share my phone number with whoever they want. Ive told them to stop calling. Ive received paperwork from CapitalOne saying theyre suing me and they still keep calling from different phone numbers repeatedly and constantly every single day.
Product: Credit reporting or other personal consumer reports

The inquiries are unauthorized and they are not related to any transaction by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After review of my credit report I noticed some questionable items. Names are incorrect, Dates are incorrect and dollar amounts are incorrect. 

Please delete any names and addresses other than the ones listed directly below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 



After review of my credit report I noticed some questionable items. Names are incorrect, Dates are incorrect and dollar amounts are incorrect. 

Please delete any names and addresses other than the ones listed directly below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account CREDIT RCVRY Account Number : XXXX Please investigate and delete from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Also, please send a complete copy of my entire consumer credit file. I do not want the disclosure. I want the actual complete and comprehensive file for all of the accounts that you current possess of mine. 

Thank you for your time. 

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

Trans union has not provided an updated credit report since XXXX XXXX XXXX. They continue to report incorrect information and sending mail requesting address verification. Ive sent XXXX address verifications certified mail and have yet to see any changes in my file. They continue to send address verifications instead of running disputes and have yet to use any dispute information Ive sent. trans union is far behind my XXXX account and has failed to fix any issue while continuing intentionally report negative information. The files attached have all been removed from XXXX as they are fraudulent yet trans union has refused to resolve the issues for the past 12 months
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that I never gave consent to Experian or XXXX permission to furnish the following information : XXXX XXXX XXXX Account # : XXXX. This information was put on my credit report illegally. To have permissible purpose one would have to have permission and proof of said permission to furnish this information on my credit report. According to 15 USC 1681b, the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. I can tell you that in fact I never authorized this and continue to not authorize this account on my credit report. These companies were notified of this violation and must take steps to correct it. XXXX already deleted this unlawful account. 

The following Account does not belong to me and should be removed from my credit report immediately : XXXX XXXX XXXX Account # : XXXX
Product: Vehicle loan or lease

I obtained possession of my car on XX/XX/19 I was told on XX/XX/19 that all I had to do was verify my phone number and the loan would be finalized so I called and did that then on XX/XX/19 I was told that the loan was not finalized and that other information needed to be submitted which I did submit then on XXXX I was told that there was a possibility that the car would be taken away and so I went and got a new car then on XX/XX/19 I was told this loan was finalized so I gave the other car back and managed not to have any negative reporting on my credit Ive been contacting the company Santander to have my loan re start to avoid my payments being reported late and it hasnt been possible
Product: Checking or savings account

I just recently enrolled into the OOPS overdraft protection program through Navy Federal Credit Union and its only been a few weeks and everyday I am being hit with a fee that this is coming up on my XXXX paycheck where I am overdraft {$500.00} or more leaving me with only {$200.00} out of my paycheck.
Product: Debt collection

DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. 

LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.

605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.

The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
Product: Mortgage

I work for a non profit organization that made a payment of {$40000.00} to Rocket Mortgage on behalf of a client to help make them current on their mortgage payment. The payment was disbursed on XX/XX/2022 and as of today, Rocket Mortgage has still not posted the payment to the account. I spoke with and XXXX Account XXXX XXXX at Rocket Mortgage today and she said they have 30 to 45 days to post the payment. 
She also confirmed they are charging interest on the full loan balance even though they have not posted the {$40000.00}. If they posted the {$40000.00} the interest on the loan would be much less ad more of the current payments would be applied to the loan balance. 

In addition, they are continuing to report the customer as delinquent to the credit bureau. The client told me she received a notice from the credit bureau last week of the late payment.
Product: Checking or savings account

I received a letter in the mail stating that with a recent review of my accounts by Wells Fargo they saw that Identity Theft Protection was added to my account. If this enrollment was not authorized reach out to them within 60 days to let them know. These dates were as far back as XXXX. 

I asked Wells Fargo for documentation to know who enrolled me in these services they said they did not have that information. They could only provide dates. XXXX enrollment was XX/XX/XXXX - XX/XX/XXXX, the other was XX/XX/XXXX - XXXX XXXX, XXXX, and the last date they did not have the dates for the services. I was extremely worried that this happened to me and then I kept receiving letters XXXX after another that Identity Theft services had been added to my account on XXXX different time frames. 

Wells Fargo paid me {$380.00} for their apologies. Service date ranged from XX/XX/XXXX, XXXX XX/XX/XXXX. WF said that would cover the amount of the service, fee, and interest for the time the service was open. Reference Number XXXX. They sent a check for {$370.00} for the XXXX service with no dates. Reference Number XXXX. XXXX sent a check for {$320.00} for the service that was from XX/XX/XXXX - XX/XX/XXXX Reference Number XXXX. WF sent the least amount of money for the longest amount of time the service was open from XXXX XXXX XXXX for the amount of the service, fee, and interest. It makes me wonder how they came up with this amount to calculate for the service, fee, and interest and with the longest date getting the least amount of money and I am suppose to trust their math. 

When speaking with the WF representative it was alot. I had to be on long holds while working my job, My calls were dropped, I attempted to reschedule my mediation meeting and they pushed me out XXXX more months. Most of this experience seemed unnecessary. It was a lot of time involved in this process.. 

They had an option to go to mediation if I felt the amount paid out was not enough. I asked for {$100000.00} for each account. I felt that the bank who is supposed to protect my money was not right in what they had done and they had repeated this wrong doing not XXXX time but XXXX times. I went to mediation and the judge said it sounds like I was trying to punish them. I just let him know that I was not taking this offense lightly and that they committed fraud against my account XXXX times. They said the most they could do is give me {$2000.00} XXXX Account but that I still have my rights to take it to court. 

My concern was that I was only informed this year XXXX. I have been with WF since XXXX. For 22 years. Since I was XXXX XXXX XXXX. I have had a mortgage with WF, a auto loan with WF, a credit card with WF and so on. If I would of been infomed in XXXX when this happened I wouldnt of stayed with this bank for so long and not only did they commit fraud once but XXXX time. Its not right to just let that be ok because its a business and not a person. I am asking for {$100000.00} for each account and for them to pay the taxes on it. 

Tracking XXXX was on my letter to WF
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having hard time trying to get a my credit report because the credit bureaus have put fraud protection block on my credit report. I would like to get a copy of my full credit report from all 3 Credit Bureaus. ( Experian, XXXX, XXXX ). So i can verfiy the information on my account.
Product: Credit reporting or other personal consumer reports

please delete all the negative accounts now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account balance : {$2400.00} Date of account open : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account balance : {$0.00} Date of account open : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account balance : {$620.00} Date of account open : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : {$420.00} Date of account open : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account balance : {$15000.00} Date of account open : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account balance : {$2400.00} Date of account open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX