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

XXXX XXXX ( XXXX XXXXXXXX ) transferred all consumers to XXXX ( XXXX  ) in XXXXThe last time XXXX reported to experian was XXXX, before said transfer. According to experian I owe XXXX in student loans because the XXXX XXXX report are still reporting a balance as well and the new XXXXXXXX loans are reporting a balance. I confirmed with XXXXXXXX XXXX that my loan balance with them is XXXX yet experian has been reporting a balance of XXXX from XXXX XXXX  it has been 4 months since the transfer and they have not updated with experian. I was unable to get a home equity line of credit because my fico score was XXXX point to low. Undoubtly caused by the XXXXXXXX XXXX misreporting my student loans. I am positive that I am not the only one whose credit report shows debit to XXXXXXXX XXXX they dont actually owe
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a XXXX XXXX XXXXXXXX XXXX XXXX account on my personal credit report. This account was strictly a business account associated with my now-dissolved business, XXXX XXXX XXXX XXXX XXXX and as such should not be reflected on my personal credit file. 

I am filing this complaint against a Consumer Reporting Agency ( CRA ) for failing to address my formal dispute regarding inaccurate items on my credit report. The inaccuracies I disputed were potentially caused by mishandled personal data during known data breaches. 

FCRA Law 1681s-2 ( a ) the account is a business account and not personal therefore, it should not appear on my personal credit report FCRA Law 1681s-2 ( a ) ( 2 ) - They have the duty to correct inaccurate information, since the business account is being incorrectly reported on your personal credit report, they have the duty to investigate and correct this error which they have failed to do so after being notified of the inaccuracy
Product: Credit reporting or other personal consumer reports

There are two accounts that are not mine and do not belong to me and Is irrelevant. I am a victim of the XXXX XXXX XXXXXXXX XXXX and is a victim of IDENTITY THEFT. Please have these accounts removed from my credit report asap, I am in the home buying process and these XXXX accounts are not relevant to me so they need to be removed. 

XXXX, XXXX XXXX {$710.00} ( they are not even furnishing the complete information ) XXXX Original creditor : XXXX XXXX XXXXXXXX {$760.00} XXXX incomplete reporting Please remove these accounts from my credit report
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. I previously included this in my COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX  Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX Balance : {$360000.00}.
Product: Credit reporting or other personal consumer reports

In XXXX I was hacked by a stranger. This person was able to retrieve all my information. They manage to gain access to 4 credit card accounts. They proceeded to try to transfer money in and out of these account causing them to go over limit on all four. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed dispute with Experian and they have verify them and said they are accurate but all these accounts are still inaccurate XXXX XXXX XXXX XXXX XXXX XXXX  was my daily bank account that I used back in XXXX was also hack I had no access to this account so I would like for this account to be removed from my credit report because this bank is horrible, I told them I couldnt get into account and since hacker change my number to that account I couldnt get in. This fraudulent changes to these accounts cause me to go through a lot of hardship with my XXXX children.
Product: Credit reporting or other personal consumer reports

For EQUIFAX. These companies have fraudulently pulled my credit without my authorization. I believe this is fraud. I need these inquiries removed immediately or I will take further action. I have contacted these companies for weeks and nobody is responding to me. Please look into this as soon as possible. Thanks. 

XXXX XXXX - XX/XX/2024
Product: Checking or savings account

On XX/XX/2022, I deposited a check # XXXX from my XXXX Bank ( XXXX ) checking account to my Ally Money Market Account ( Ally ). ( SEE FILE A ) The check was written for {$1400.00}. The balance in my XXXX Bank had enough money to cover the amount of check # XXXX ( SEE FILE C ). On XX/XX/2022, I noticed that check # XXXX was returned, with no reason stated. I contacted XXXX and asked if the check was presented to the bank- XXXX stated the check has NOT been presented to the bank for payment. On XX/XX/2022 I contacted Ally to inquire about why the check was returned and a {$7.00} fee was charged to my account. ( SEE FILE A ) Ally states it presented check # XXXX to XXXX and XXXX returned the check for " non-sufficient funds ( NSF ). '' XXXX maintains the check was never presented and it would have cleared the check. Ally refuses to send me any documentation showing the check was returned for NSF and denoted my Ally bank account record and possibly my credit report as a " check bouncer '' - when that is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing this through XXXX but they won't correct it. US Bank has a delinquent account on my report that was closed XX/XX/XXXX. This item is supposed to be removed from my report on XX/XX/XXXX. But US Bank has changed the date to XXXX. It's supposed to drop off after 7 years. My XXXX report is correct and I'm waiting for my XXXX   report to be mailed because their website never works. US Bank calls me literally every day. I've had serious health issues for about 10 years and they know I'm unemployed. They are trying to add 2 years to this torment. I have included a screen shot of my XXXX report with the CORRECT information.
Product: Debt collection

Debt appeared on my credit report on XX/XX/2022, with no notification or knowledge to dispute this debt.
Product: Debt collection

I wrote credit control  asked them to validate my debt along with signature page they never answered me and then sent me a bill I sent them another letter they did not answer me I did not give no one permission to disclose my medical information the company is credit control XXXX XXXX XXXX I no under the Fdca and hippa laws they need my written signature to disclose my information so this company violated my rights what can I do now sue. Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

HP Sears and affiliated company is stating that I have past due medical or ambulance debt from the XXXX of XXXX XXXX. I have never lived in XXXX XXXX or needed XXXX XXXX from them and I am a victim of identify theft. I have health insurance via my Employer and go to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for investigation letters were sent out to the credit bureaus on XX/XX/2022 via certified mail, to verify accuracy, consistency and completeness of an account. 

Letters were received by all the bureaus no later than XX/XX/2022 per certified mail. I have received responses from XXXX and XXXX. I have not received a response from Transunion. 

It has been more than 30 days and as per my latest credit report dated XX/XX/2022, there are still inaccuracies, inconsistencies and incomplete information. 

As per my latest credit report, discrepancies are as followed : -Date last verified -Date of last activity -Date reported -Date opened -Last payment -Term length -Two year payment history. 

Documents attached included : -Request for investigation letters ( 2 forms of ID included with letters ) -Certified mail stubs -Credit report dated XX/XX/2022 ( Discrepancies highlighted ) -Request letter to update personal information ( 2 forms of ID included with letters )
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXXXXXX  SENT OUT DISPUTE LETTERS TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) THEN AGAIN ON XX/XX/XXXX WITH TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX TO ALL CREDIT BUREAUS. This letter directly incorporates the issues identified in the CFPB lawsuit and references your rights under the FCRA to demand compliance and corrections. 
I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against XXXX AND XXXX
Product: Checking or savings account

On XX/XX/2018 my account was overdrawn for transaction I did that day. I transferred XXXX dollars to bring the account to a positive standard and I was charged a fee of XXXX dollars because it was past a cut off time. I explain to the supervisor XXXX on XX/XX/18 that I was having financial difficulties and its unfair because I got a quick pay in my account to cover any negative balance the same day.
Product: Credit reporting or other personal consumer reports

Under 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. 
XXXX I looked at my Transunion credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. 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 who the report relates according to 15 USC 1681 ( e ) ( b ). And according to15 USC 1681 1i5 they are supposed to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general, if, 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 the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2, they are supposed not to 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

My attorney and I have been working with each credit Bureau and some of the item was removed found to be fraudulently were taken off but my score is mainly the same they have not updated my score as it should be higher even after they have removed item that was fraudulently done. he is still working with them and so am I they have only raised my score slightly. XXXX I have called and all I get is the same answer it has been more than 30-60 days I have been working with them and my attorney has held a 3way conference call with them. I really hope this issue can be resolved. What good is it if know one listen coming from a person who has been involved with someone using my identity, I have took every step that was requested of me with my lawyer involved that still has not raised my score as they should have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer protected by consumer and federal law. CREDCO is in violation of using my social security card which is defined as a credit card pursuant to 15 USC 1602 ( l ) without any benefit to me as agent to my principle.
Product: Mortgage

On XX/XX/XXXX XXXX XXXX XXXX, Loan Care sent an Annual XXXX  Account Disclosure Statement that said we had an XXXX shortage of {$3000.00} and our mortgage payment was going from {$2700.00} up to {$3100.00}. ( XXXX Statement Attached ) We called multiple times and they were unable to provide a reason why and said that it must be the taxes increase. The customer service rep recommended we call the County. 
We then contacted XXXX XXXX, XXXX XXXX  Treasurer. She confirmed that our taxes had not increased and had gone down. XXXX XXXX XXXX, Loan Care had sent an extra payment for {$2700.00}. ( See attached print out signed by XXXX XXXX ). A refund was issued to Loan Care XX/XX/XXXX. 
Loan Care customer service agent could not find the extra payment they made in their system even after the proof provided by the County Treasurer. There is no one to speak to in the Tax Department because it is outsourced. The only number is the customer service line and there is no one to escalate any issues to. They do not have access to any information we are told only what is in their notes. They said they were reaching out to the county and no one was responding. XXXX XXXX logs all their calls and emails and no one at Loan Care ever reached out.

Loan Care stated they did not receive the XX/XX/XXXX refund issued by XXXX XXXX with Adams County. Another payment was then issued to Loan Cares payment processor directly in XX/XX/XXXX. XXXX XXXX printed and mailed the check in front of us. 
On XX/XX/XXXX another Annual Escrow Account Disclosure Statement was mailed with a surplus check amount for {$320.00}. ( Attached ). 
We sold the property on XX/XX/XXXX and Loan Care said that they received the funds on XX/XX/XXXX. 
The closure escrow statement has a misc escrow line amount removed from the total of {$2700.00} ( the amount of the overpayment/refund issued by XXXX XXXX ) . When I called to ask what this was they said it was because we were refunded that amount but had not received anything. There is nothing they can do about that we are told and then they said it was because we owed taxes through XX/XX/XXXX but the property sold. 
The balance in our escrow account prior to the sale of the home, that should have been refunded was {$640000.00}. They have overpaid our taxes and are now stealing the overpayment from us twice that has been refunded to them. 
We have sent messages with this chain of events and called multiple times. The customer service agents that answer the phone only have access to basic information and can not resolve or look into our issue. We are told something different each time we call. 
Every day for almost XXXX years Loan Care sent a XXXX XXXX driver to my home that rang the doorbell and left an envelope with a solicitation letter to refinance, even while all this was going on. It felt predatory. I asked them to stop and they did not. They must have spent the amount of the overpayment or more just on sending XXXX XXXX to my home. 
I would like to have this is resolved and the correct escrow refund issued and to be done with this loan servicer.
Product: Checking or savings account

Earlier this afternoon I went to the Citizens Bank at XXXX XXXX XXXX in XXXX, MA. The bank manager, person serving me, was unprofessional. I went in to get a money order/check and make a withdrawal. I provided my ID since I was asked for my debit but did not have my debit card. She asked me where my debit card was and I responded not with me at the moment hence why I provided my ID to which she responded asking me where my card was and if it was lost. Then she proceeded to take several minutes looking over my account which wasnt needed since all I asked was for a withdrawal and a money order and questioned another worker there if anything else was needed to which the worker indicated that there wasnt. She made it seem like I was doing something criminal and I provided her everything she needed. This was the only time I ever visited this particular Citizens Bank and her behavior was disgusting and unprofessional and seeing as she was an actual bank manager, absolutely unacceptable. I have worked at a bank previously and this was beyond horrible customer service.
Product: Credit reporting

I have ask TRANSUNION XXXX times, to provide me with a copy of the original signed credit application and signed contract to provide proper verification of the account listed below. Per FCRA sec 609 ACCOUNT : XXXX XXXX ACCOUNT NUMBER : # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX BANK XXXX - THIS INACCURATE AND UNVERIFIED ACCOUNT SHOWS UP ON MY CREDIT REPORT WITH XXXX, XXXX AND EQUIFAX, I HAVE NO KNOWEDGE OF THIS ACCOUNT< I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY - I HAVE NEVER SIGNED AN AGREEMENT WITH THIS COMPANY- I HAVE NEVER CONDUCTED BUSINESS WITH THIS COMPANY- I HAVE REQUESTED IN WRITING MULTIPLE TIMES SOME PROOF OF LEGAL OWNERSHIP WITH THIS COMPANY AND WITH ALL XXXX CREDIT REPORTING AGENCIES AND HAVE NOT RECEIVED ANY LEGAL PROOF OR ANY SIGNED DOCUMENTS SHOWING LEGAL OWNERSHIP FROM XXXX XXXX OR FROM XXXX. EQUIFAX OR XXXX, XXXX XXXX BANK HAS NOT SHOWN ME PROOF OF AN ORIGINAL CONTRACT, PROOF OF ANY PAYOFF DISCLOSURE- NOR PROOF OF ANY INTEREST RATE DISCLOSURE- NOR PROOF OF ANY CREDIT INSURANCE-NOR PROOF OF ANY BALANCE OR PAYMENT HISTORY
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed I had fraudulent accounts on my report. Please remove these accounts from my report ad they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is ( XXXX XXXX ) and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately. Both together and separately my consumer rights and privacy rights have been violated by XXXX, Equifax, XXXX and XXXX. Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) I have the right to privacy. I am also aware that I have the right to privacy of non- public personal information in accordance with 15 U.S.C 6801 and the right to know where and how to direct the disclosure of my non- public information and I am exercising that right demanding the each CRA remove the information listed in attachment as required.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Im challenging the incorrect with XXXX XXXX from my credit report Where you have clearly violated the law and have put on my credit report erroneous, obsolete and inaccurate information that is affecting my from getting a loan for my health condition of XXXX XXXXXXXX I wanted to be removed it from my credit report immediately I report case to the general attorney of New York for help
Product: Debt collection

In 2022 I was informed by midland credit that I owed a credit card debt of XXXX. I was never sent a bill although they informed me that a statement was sent to my address. I need more information than that because I had already been a victim of identity theft. Thank you XXXX XXXX
Product: Credit card or prepaid card

I filed a dispute on a purchase made on XX/XX/XXXX for XXXX} as the product does not receive. 
The dispute was denied due to Chase 's claim merchant providing sufficient tracking information. 
I filed an appeal and request the tracking information and proof of delivery. 
On XX/XX/XXXX Chase denied my appeal and favored the merchant without providing the tracking information and proof of delivery chase claims obtained from the merchant.