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

I have new information pertaining to a complaint I sent to Experian XX/XX/2022. The complaint ID is XXXX. It has been well over 4 business days and they have not blocked the information that I listed in my identity theft report. Experian needs to follow directions pursuant to 15 U.S.C 1681c-2 ( a ). Here is this complaint I will also attach the proof that I mailed the documents to Experian related to my identity theft report
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion due to their failure to properly investigate and correct inaccuracies on my credit report as required under the Fair Credit Reporting Act ( FCRA ). Despite submitting a formal dispute with supporting documentation, TransUnion has continued reporting inaccurate and unverifiable information, which is negatively affecting my credit profile. 

I formally disputed the following accounts with TransUnion, requesting the removal of inaccurate late payments and fraudulent accounts : XXXX - XXXX The late payments associated with this account are inaccurate. I request the removal of all negative payment history while keeping the account open. 
XXXX XXXX - XXXX The late payments on this account are incorrect. An investigation will prove the inaccuracy. I request their removal while keeping the account open. 
XXXX XXXX XXXX XXXXXXXX The late payments on this account are inaccurate. I request the removal of negative payment history while keeping the account open. 
XXXX - XXXX The late payments reported on this account are incorrect. I request their removal while keeping the account open. 
XXXX XXXX - XXXX The late payments associated with this account are inaccurate. I request the removal of negative payment history while keeping the account open. 
XXXX XXXX - XXXX The late payments reported on this account are incorrect. I request their removal while keeping the account open. 
XXXX XXXX XXXX XXXXXXXX The late payments associated with this account are inaccurate. I request the removal of negative payment history while keeping the account open. 
XXXX XXXX XXXX  - XXXX The late payments on this account are incorrect. I request their removal while keeping the account open. 
Despite citing multiple FCRA violations, TransUnion has failed to : XXXXonduct a proper investigation as required by Section 611 ( 15 U.S.C. 1681i ) of the FCRA.

Verify the accuracy of the disputed accounts.

Ensure compliance with Metro 2 reporting standards. 
Remove unverifiable or fraudulent accounts. 
If TransUnion does not delete these inaccurate items, I intend to escalate this matter further, as their failure to comply with federal laws has had a detrimental impact on my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just learned a Paypal credit account was established in my name and using my personal information through Synchrony Bank. The balance being reported on my credit report is {$4100.00}. I have never applied for or held a Paypal credit card. 

On XX/XX/2022, I contacted XXXX XXXX XXXX and spoke with XXXX XXXX XXXX. I advised her of the situation over the phone. The Case Number is XXXX. 

In addition, I sent an email to XXXX advising that my identity had been stolen for the purpose of obtaining the Paypal credit card and requesting that they request the credit agencies remove this alleged debt from my credit report. 

On XX/XX/2022, I also contacted the card issuer, Synchrony Bank. I was unable to speak with a representative and will be following up with the bank as soon as possible.
Product: Credit reporting

On XXXX XXXX 2015 i applied for a credit card with XXXX XXXX. The application was denied and the rejection email that i received, stated that their decision was based on information they had obtained about me from Equifax. I decided to check my Equifax credit report and found a massive list of prior addresses that do not belong to me. The only way Equifax could have received those unknown addresses are from old collection accounts that were improperly reported years ago. There is also a ( fraud alert ) listed on my Equifax credit report which i did not give my approval for them to add. I have disputed the unknown addresses and Equifax refuses to remove them from my credit report. They also refuse to remove the fraud alert which should not be on my report at all. The only address they should have on my file is XXXX XXXX XXXX XXXX XXXX. The only phone number they should have on my file is XXXX. I want the inaccurate information removed from my credit report. Everything else on my report is accurate.
Product: Debt collection

I am writing to address fraudulent accounts on my credit report, which I believe stem from inaccurate information resulting from fraudulent activity. I demand immediate action to rectify this error, as it tarnishes my financial reputation and integrity XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

I submitted a dispute with the company win XX/XX/2020. The company has failed to respond, and I am suffering undo stress. I am a victim of identity theft. The total sum of the debt is {$52.00}.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my XXXX and credit report : XXXX XXXX XXXX Account numberXXXX Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX
Product: Credit card or prepaid card

I am an XXXX XXXX XXXX  of the military. My citibank city premier credit card showed a {$95.00} fee, when I have charged less than a {$100.00} for the year on this credit card. Which exceeds the 36 % maximum in fee I can be charged under the Military Lending Act. I called to inform them of this oversight and they requested a copy of my orders Which I sent on XX/XX/XXXX. I got a notification that they have verified that I am eligible for the military lending act. I was informed they would be removing the fee as of XX/XX/XXXX. It is now XX/XX/XXXX And the fee has not been removed and I have also been charged a late fee of {$30.00} and then another {$1.00} as of today in interest Illegally under the military learning act. For my Credit Card ending in XXXX
Product: Checking or savings account

my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SOCIAL XXXX I USED TO HAVE AN ACCOUNT WITH XXXX XXXX, NOW NAME STERLING XXXX bank, located XXXX ny. what happened was that my account was only negitive XXXX dollars then all of sudden the bank closed my account unlawfully and started to charge me a ton of overdrafed fees even when the account wasv closed, i just owed them XXXX dollars, but my balance went up to over XXXX dollars. i talk to them several times to explain that the balance is wrong please credit the incorrect balance and they refused to remove those unlawful fees. off my account and they got so nerve to send my account to an attorney, also the bank is trying to used muscle on me by imtimadating me please have XXXX XXXX now sterling bank correct my balance so that i can pay the negitive correct balance the manager that works at the XXXX XXXX branch is a XXXX .also my job is next to the bank, when the workers get off of work they take the train next to my job where i work and look at me strange like their imtimidating me because i owe the bank money, like the manager and the other workers also talk to each other and look mad at me and then get on the train while im cleaning it. to me thats illegal, there cameras where i work showing those workers get on the train when their going home from the bank. the only was im going to pay this balance is when they credit the balance to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below and do an immediate update or correction form my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There are several accounts showing up on my consumer report that are showing negative information. The accounts are XXXX XXXX, XXXX XXXX  And XXXX XXXX XXXX XXXX. I have attached a new police report and notarized FTC Affidavit. Please remove this accounts and block them so that they don't reappear and submit another clean consumer report stating that those said items have been removed. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

To whom this concerns : My cousin XXXX is a successor of interest in a property that her grandmother purchased in XXXX for the two of them to live in. My grandmother died prior to moving into the location but XXXX did stay with my mom and dad. After both of my parents died, my sister fell behind two months on the mortgage in XXXX XXXXXXXX, and XXXXXXXX XXXX XXXX. Well in or around XXXXXXXX XXXX XXXXXXXX she recieved a letter that stated that the insurance was being cancelled and a refund check was issued in my dead grandmas name. Well, we found out that there was still a trust for XXXX. We then went and proceeded to put the house in the trust and also attempt to put the loan in the trust. Which is still not listed correctly. After doing that we asked Loss Mitigation for help with the past due payments by putting those payments at the back end of the loan. They said to do that we need to be in forbarance and then we can do a modification to fix those payments. However, they also said not to make the three payments of forbearance and those will also be modified. On XX/XX/XXXX we were approved for a partial claim modification and all we were waiting on was paperwork to sign. In XXXX, I received another letter stating titling was having issues and needed more time. Then they told me I had to refill out all the paperwork again that I previously had filled out to get the approval, so I did and then on either wednesday or thursday XXXX  I was told we were denied. No other options were given, no one assisted in giving alternative options and they are trying to make me assume the mortgage. Not to mention on Monday XX/XX/XXXX we were told we went into active foreclosure which we are also in the path of Helene and a natural disaster. So How can we be in foreclosure when they were the ones telling us what we had to do to fix the past two payments that we needed modified. Also the reason we wanted to fix the two payments in the first place is because they are charging us {$30.00} a month for inspection costs as they can do because of the two payments we originally were behind. Please we need help with this matter as soon as possible. We are being forced into foreclosure by this company Shellpoint. I do have all the letters they sent, all the emails I sent as well as dates of times I spoke to them about this matter. How I sent multiple documents the same documents over and over again.
Product: Credit card

Team PayPal. XXXX XXXX. XXXX XXXX XXXX XXXX. Email : XXXX. Transaction id # XXXX. They sent me a payment confirmation for XXXX via PayPal.. they sent it to 24 other emails. I called PayPal and they said its a scammer. Please report this to public
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to mandate the removal of incorrect accounts from my credit report. Can you review the documents? Some accounts are inaccurately reported with wrong amounts and dates.
Product: Debt collection

American Collection Services has continuously contacted me attempting to get a hold of my mother. My mother called while I was on the phone. XXXX the debt collector disclosed all of the my personal information to my mother without my permission. Once he knew that I was on the phone, he then asked for me to talk to my mom about the accounts. After the account information was disclosed, I then tried to set up a payment plan where I could send in the payments or call them in each month. XXXX then refused saying that I needed to set up the payments with my checking information or a debit card/credit card. Told him that I was uncomfortable with the situation. He then said that we can not come to an agreement and that he would proceed with collection efforts. I attempted to set up a payment plan but now I might be getting sued because I do not feel comfortable giving my information over the phone. He also violated my rights in reference to the FDCPA by disclosing my personal information with my Mother, XXXX XXXX without my permission.
Product: Mortgage

This is my third time filling the same complaint with CFPB and nothing is solved. 

Is there a different site or government department that can review this company? 

As of XX/XX/XXXX. I still haven't received my XX/XX/XXXX, XX/XX/XXXX statements Selene Finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries on my credit report are in violation of 15 usc 1692g and 15 usc 1692c. These items were not initiated by me and I have no knowledge of how they came to be on my credit report. According to the law and us codes provided they are fraudulent and illegal because they can not be verified or validated legally. As the original creditor and consumer, I do not validate these items on my credit report. I have contacted Equifax and they have acknowledged on a recorded call that these items are indeed fraudulent but yet they were not willing to cooperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection is reporting on my credit report and it is incorrect. I have tried to fix it with Experian multiple times and they have still not corrected it. This item is reporting as a revolving trade line that is affecting more of my credit than normal. I have attached a screen shot explaining that this is coded as XXXX XXXX, which is completely incorrect.
Product: Checking or savings account

I had contacted you a few months ago regarding my banking institution, Santander Bank and at that time I had stopped receiving my bank statements in the mail and there was no way for me to restart receiving them because it was a clerical error and there was no way on my computer to change the status of the statements. I had received a letter from the corporate office of Santander Bank stating that I would start to receive the paper statements but to date I still have not received them. I only had up until XX/XX/XXXX and that is because someone at the bank branch had forwarded them to me. I just realized that I had not gotten any further statements from the bank since that date. I do see that I should have XXXX 's and possibly XXXX 's but did not receive them. 
Then I had another upsetting experience when I went to log onto my account this morning and that was that they had debited {$2000.00} from my account. On Saturday, XX/XX/XXXX I went to the drive through at the Santander XXXX   Branch and cashed an XXXX insurance check for {$65.00} which I am waiting to clear from the bank. So, in checking this morning, I found that from that same branch {$2000.00} had been debited which was an egregious mistake. I spoke to the manager and told him that the teller at the drive through did not seem to know what she was doing and she is obviously the one that made that serious error. I was getting ready to go personally to the branch and call the police when I got there but then the manager called and told me he took care of it and that the teller made a mistake. You can't be making mistakes like this that involves thousands of dollars. My heart is still racing and I have a XXXX XXXX. I did not need this to happen. 
Santander is a very bad financial institution and the only reason why I stay with them is because I pay all my bills through online banking and most importantly my social security gets deposited in that bank. It would be somewhat of a hardship for me at this stage of my life to do this as I just had XXXX XXXX XXXX and other health problems.
Product: Debt collection

I entered into a payment plan thru XXXX County 's third party debt collector, Linebarger Gaggon Blair and Sampson to get my driver 's license reinstated. I made my 1st payment on the agreement and the clerk of court sent notice to Iowa DOT that suspension should be lifted, but it never was. I attempted to contact the clerk of court and Iowa DOT to resolve this matter but kept getting shuffled between the two. The judge and Sheriff XXXX XXXX were also trying to see why suspension was still in affect and that DOT hadn't removed my suspension. The same happened to them, clerk of court said to contact DOT and DOT said to contact clerk of court. I am very frustrated as I desperately need my license in order to be able to travel for work. I hope you are able to help or point me in the direction I should go next.
Product: Credit reporting or other personal consumer reports

Credit Collection Services requested payments on canceled insurance, attempted to probe my new insurer, and started a collection process without verifying the debt.
Product: Checking or savings account

Ally will not answer phone, no matter when I call they put me on hold and say there is a 6 min. wait time,6min. go by and they say again there is a 6min. wait time.I am unable to withdraw money that I need.
Product: Credit reporting, credit repair services, 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. XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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: Money transfer, virtual currency, or money service

XX/XX/XXXX Funds was sent to me on google pay. I tried several times to verify my identity. XXXX  is XX/XX/XXXX my funds have not been released
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX ( finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( finance ) XX/XX/XXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( bank ) XX/XX/XXXX XXXX XXXX XXXX ( finance ) XX/XX/XXXX XXXX XXXX ( auto ) XX/XX/XXXX XXXX XXXX XXXX ( hotel and travel XXXX XX/XX/XXXX XXXX XXXX  XXXX ( bank ) XX/XX/XXXX XXXX XXXX ( bank ) XX/XX/XXXX XXXX  XXXX ( bank ) XX/XX/XXXX XXXX XXXX XXXX ( finance ) 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 XXXX XXXX bank ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts on my consumer report that are showing as Charged off. These accounts are from : XXXX in the amount of {$42000.00} Bank of America in the amount of {$22000.00} XXXX Bank in the amount of {$8000.00} XXXX XXXX ( XXXX ), the amount does not show on consumer report XXXX XXXX ( XXXX ), the amount does not show on consumer report All XXXX of these accounts show Charged off on my consumer report. 
According to the Internal Revenue Service ( IRS ), a charged off account on a consumer report, must me filed with the consumers tax return as cancelled debt, with form XXXX. Which I have done. Once the account is charged off by the creditor, it is no longer debt, but filed as gross or ordinary income on the consumers tax return. Therefore, the XXXX aforementioned creditors, are inaccurately and incorrectly reporting these accounts on my consumer report to the consumer reporting agencies. 
According to the Fair Credit Reporting Act, a consumer 's consumer report MUST be 100 % accurate. 
These XXXX accounts on my consumer report are, in deed, inaccurate, and I request them to be deleted from my consumer report, effective immediately.