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

Transunion is reporting incorrectly a collection/charge-off on XXXX  account number XXXX. ( Please see page 2 of the attached credit report. ) In XXXX, 2015 I made a final payment of {$2100.00}. This payment should have made this account report a {$0.00} balance. The total amount of the loan was {$2500.00}. I keep receiving bills for outstanding balances due that are non-existent. I make the payment required, only to discover that none of the payments are applied to this account. Every time I inquire about what the actual balance due and owing is, the amount goes up and up. I have paid over {$11000.00} on a loan that I never even signed for. This account was opened fraudulently by my ex-husband however, I had no choice but to make the payments until I straightened this account out. I received no assistance from XXXX  and they refused to close this account. My ex husband e-signed my signature without my consent. I did not authorize and/or approve for this account to be opened. When I discovered that there was an account in my name, I immediately contacted XXXX  and let them know I did NOT open this account. I requested copies of the alleged documents that I signed and discovered from the Disclosure Agreement that this fraudulent loan that was taken out was charging 274.21 % interest. According to their calculations, the original loan amount of {$2200.00} would cost over {$8700.00} in finance charges. After making all of the scheduled payments the total cost of the loan would exceed {$11000.00}. This is PREDATORY LENDING to say the least!!! The Federal Loan cap on credit cards is a maximum of 28 %! I was forced to make the minimum payments due until we could come to some resolve of this fraudulent account. I was never able to make any headway with the representative and as time marched on, the account grew larger and larger. I would pay it off, only to have a statement arrive and see that the balance due was more each month. This incorrect reporting is seriously harming my credit score and this account needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
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 # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX # 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 or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX and I had a live in care taker. That caretaker opened up numerous credit accounts from XXXX through XXXX. I filed a police report and FTC identity theft report identifying the person who admitted to committing these crimes. I have tried numerous ways to correct these erroneous accounts for the past 2 years. At this point Experian refuses to look into this dispute any further. This is causing social and financial damages. My next step will be to secure an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXXXXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX CO, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, SXXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX CA, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX  XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, SYNCB/HSN, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting actXXXX XXXX XXXXXXXX XXXX A, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I saw inaccurate accounts appear on my credit report today, and Im unsure how they got there. During my usual review, I noticed some unexpected errors. I tried refreshing my browser in case it was a technical issue, but nothing changed. Because of this problem, I kindly ask that my submitted documents be carefully reviewed so I wont have to deal with this concern again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for this letter is to dispute an unauthorized inquiry on my credit report. On XX/XX/22 I retrieved a copy of my credit report and discovered an inquiry from capital one that I have no knowledge of. 
I did not apply for credit with capital one on XX/XX/22 I have also reached out asking that they remove the inquiry from my credit profile. 

I'm requesting inquiry be removed immediately from my XXXX consumer report
Product: Vehicle loan or lease

My husband ( XXXX XXXX XXXX and I ( XXXX XXXX XXXX were looking for a bigger vehicle in XX/XX/XXXX. Went to XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) for help. XXXX was the dealer who help us. XXXX XXXX got us in XXXX XXXX XXXX. 
They want {$3000.00} down. We had nothing to put down. They had us set up a payment arrangement and let us leave with the car. Well about 2 weeks or so I told we can not afford the down payment. They told us to bring back the car which we did. I thought was the end of the loan. Well Credit Acceptance started reaching out to collect a payment. 
They said the loan was still active. I explain everything to Credit Acceptance and they said all that was needed was for XXXXXXXX XXXX to confirm the car was there. XXXX XXXX refuse to do so and made a bogus contract that was electronically signed with forged signature from my husband and I. The contract appeared to be sign on XX/XX/XXXX via electronically. If you look into ips address you will find to location of where the bogus signatures came from. We never signed any contracted outside of payment arrangements. We got no paperwork that would have come with vehicle.
Product: Debt collection

We continue to get calls XXXX and XXXX times a day from XXXX XXXX XXXX for a debt that is not ours. When I talked to the rep they claimed a debt from XXXX. I have never done business with XXXX and they continue to want me to give them the last XXXX digits of my social security number and date of birth, which I will not do as they do not even know who they are calling.plus once they have this information they can resell it to other unscrupulous debt collection agencies who could use the information when they make calls. Now when I answer the phone from them, they claim to have a system error or the call can not be forwarded but they continue to call at least twice a day I ask the CFPB to require XXXX XXXX XXXX to send me written notification of the claimed debt, dates, amounts, etc. Until they comply, I ask the CFPB to require they cease all contract via telephone.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX 15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting

I had applied for credit with XXXX and was denied. The credit bureau used was Experian. I went online to their website to obtain a free copy of my credit report as allowed by law. The website challenged my identity with XXXX questions which I know the answers to. The site said it could not verify my identity and I would have to request my report by mail. I then went back to their main site and they offer your credit report and FICO score for {$1.00} for a 7 day trial to their credit monitoring program that then charges you $ XXXX a month. I signed up for this just to see if it would let me see my report if I paid for it. The verification page only had XXXX questions this time and what do you know, the system was able to verify my identity. Interesting that when requesting a legally required free report they make it difficult to get my credit report but as soon as I pay them some money they miraculously make it so easy and know who I am. This stinks of fraud to me. I pull my credit reports every year and if I am declined credit or a service. Experian makes it difficult if not impossible to obtain what they are required by law to provide. They wanted me to send a copy of my driver license and social security card through the mail to them. I have worked hard to build my credit up and the last thing I would do it just mail my identity to a processing center. Transunion and Equifax do not cause this kind of headache when getting my reports from them.
Product: Debt collection

On XXXX XXXX, Midland Funding LLC entered a Lawsuit in XXXX County , Tx Cause Number XXXX Against the Respondent XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX I sent a Certified Return Receipt Letter with the U.S.P.S. to 2 different Addresses listed on the Original Petition asking for Full Debt Validation and all Account Level Documentation/Consent Order for Any and All accounts in my Name. On XXXX XXXX, A CONSENT ORDER File No XXXX was issued in a Administrative Proceeding.`Also Cause No XXXX XXXX XXXX. COMPLAINT FOR PERMANENT INJUNCTION AND OTHER RELIEF, And on XXXX a STIPULATED FINAL JUDGEMENT AND ORDER.See Attached Exhibits. 
Midland Funding Failed to Respond to My Written Request For all ( OALD ). ORIGINAL ACCOUNT LEVEL DOCUMENTATION/Attachment Rule, Within 30 days. 
On XXXX XXXX I also emailed Attorney XXXX XXXX Listed on the Petition.once Again Midland Funding Failed to respond According to the Rules set into Federal Law with the Consent Order.Midland Funding LLC has not Presented OALD to Date and is Suing Me with the Knowledge that I am XXXX with only Benefits of 100 % XXXX Veteran/VA and SSDI Benefits which is also Protected, My Home is Homestead.Midland Funding is in Violation of the above and Not Limited to the Above Mention Consent Order. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX Balance : {$370000.00}
Product: Money transfer, virtual currency, or money service

The problem is the quick security text feature that PayPal has adopted. This small little Road blocked looks small and not very intimidating. But once you encounter it and it's like a virus that goes through your dang account it is infuriating cuz it helps you at every attempt to use your own money in any way shape or form on your account it stops you it's XXXX it is a system tied to your phone number which is used for verification of Who You Are but the glitch in the system is most everybody these days if using a family plan and when you have a family plan there's only one name tied to the account. Leaving it impossible to do an adequate or even a mediocre Security check or identification this system is flawed and needs to be replaced and my account needs to be restored to full capacity
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below was deleted off my credit report and was later put back on my Equifax credit report. By law Equifax is required to notify me 5 prior before reinserting any account ( s ) back on my credit after the account has been deleted. I will take further actions if the accounts are not deleted off my credit report. 

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

XXXXXXXX XXXX XXXX  XXXX XXXX taking more than 30days
Product: Checking or savings account

I deposited a check for {$80000.00} on Monday, XX/XX/XXXX with Wells Fargo. I have been a customer of theirs for almost 40 years and have never had a problem with deposits. I have around this amount or more in my various accounts on and off for the past 5 years. The bank placed a hold on the check. I called 2 days later on Wednesday and spoke to an agent. She told me that the hold was placed to verify funds were available, to which I informed her that the money is out of a HELOC and there would be no problem. The agent told me that if I called back on Monday, XX/XX/XXXX they would be able to lift the hold. When I called on Monday, they told me that the amount was such a large amount that they were not going to lift the hold until Wednesday, XX/XX/XXXX. 

9 days is not reasonable. I have workers I need to pay that will charge me late payments as a result of this. This is a violation of the Expedited Funds Availability Act of XXXX as it goes well past the maximum 6 business days mentioned in the law, nor do they have any reasonable reason for holding the money after verifying accounts are available. Wells Fargo also did not mention to me any hold policies they might have within the past year and possibly longer to my recollection.
Product: Credit reporting

Not a duplicate, This is a Update- Experian has corrected my account with the correct information. The late payments were deleted. I have no idea when they did it, but it 's correct now. I have no further dispute with Experian at this time. I pulled up my free report XX/XX/2016 and saw that the late payments were gone. Thanks to anyone invovled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX  in XXXX XXXX does not show I recently made settlement payment {$290.00} on XX/XX/19. On my Syncb/ amazon account with XXXX. The XXXX   acct # XXXX making payment remarks of charged off/ bad debt were made. There is no payment status date last reported XXXX. 
Contact info on this is SYNCB/ AMAZON XXXX XXXX XXXX XXXX XXXX. / XXXX Im trying very hard to fix my credit please remove if at all possible. Please update to current
Product: Credit reporting or other personal consumer reports

I recently disputed an incorrect address listed on my credit report and provided clear evidence of my current address. Despite this, the credit bureau refused to remove the incorrect XXXX, Texas address, claiming it was linked to an account I hold with XXXX. To address this issue, I contacted all companies reporting on my credit file to confirm the accuracy of their information. Each company, including XXXX, verified that their records were up-to-date and did not include the incorrect address. 

I then requested the credit bureau to provide evidence linking the disputed address to any account. Upon reviewing the information provided by the credit bureau, I verified this with XXXX, which confirmed that they do not have any account or record associated with a XXXX address. This clearly shows that the credit bureau failed to conduct a proper investigation, as required under FCRA 611 ( 15 U.S.C. 1681i ), which mandates a reasonable reinvestigation of disputed information.

In addition to the address dispute, I challenged inaccuracies regarding account statuses, incorrect open/close dates, and accounts that were not opened by me. To safeguard my identity, I placed a security freeze on my credit report, notified the bureaus of potential identity theft, and filed a police report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), which outlines procedures for handling identity theft disputes.

Despite taking these steps, the credit bureau continues to mishandle my case. When I called and specifically requested to speak with the fraud department, I was transferred to the general information services team multiple times, delaying any meaningful resolution. This failure to provide adequate support violates FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to maintain maximum possible accuracy in consumer reports. 

While XXXX conducted a thorough and proper investigation of their records, the credit bureau has failed to remove the incorrect address and rectify other disputed inaccuracies. Their failure to properly investigate and correct these errors is a direct violation of their obligations under FCRA 611 and 605A, which addresses the need for heightened standards when fraud or identity theft is involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Square Inc to send me statements for my form 1099b but no action was taken. The deadline for filing taxes is around the corner and need my form 1099b and statements
Product: Credit card or prepaid card

XX/XX/XXXX see attatched statement of UNRESOLVED FRAUD. On XX/XX/XXXX {$200.00} & {$280.00} XXXX credited for past fraud. On XX/XX/XXXX {$200.00} & {$280.00} TRANSACTIONS BECAME NEW PURCHASES TO TOTAL {$2.00}, XXXX. Note Adjustment Purchases. When was USAA XXXX XXXX XXXX CREDITS XXXX {$200.00} {$280.00} made PERMANET? Why was I not Notified the RESULTS OF INVESTIGATION THAT RESULTED IN A TEMPORARY CREDIT ADJUSTMENT PURCHASE. ON XXXX AFTER ALREADY PAID BY MERCHANT? **** ( Why is USAA ALLOWED TO * TURN A TEMPORAY CREDIT INTO * PERMANET NEW PURCHASE * JUST AFTER MERCHANT CREDITS POSTED.?? ) *** USAA PROVIDE WRITTEN DOCUMENTATION OF THE OTHER CREDITS TOTAL {$2.00}, XXXX BEING MADE XXXXERMANET TO REVESE THE MERCHANTS CREDITS over {$1.00}, XXXX? These are. NOT NEW PURCHASES AS USAA SAYS XX/XX/XXXX TOTAL CREDITS for this period {$910.00}. Where are and what happened to the rest of the fraud credits? I recieved NO NOTICE. WHEN DID ALL TEMPORARY CREDITS ( Adjustment Purchases ) the ones with cute little minus sign THAT ARE ** NOT INCLUDED IN THE TOTAL CREDITS DISPLAYED UNDERNEATH ONLY {$910.00}. ON TOTALED LINE UNDER {$2.00}, XXXX OTHER CREDITS. WHEN DID THEY ALL BECOME PERMANET? THOSE THAT DID NOT WHY?
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX