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

Hello, RE : Credit Bureaus Reports Issues : -Information is not corrected and explained in plain language. ( For example : Balances, old accounts listed ) -XXXX does not provide me the opportunity to " dispute online ''. 

On XXXX, 2017, I became a member through XXXX to have easy access " online '' to the 3 Credit Bureaus. I am enrolled. My purpose is to make sure my reports are accurate. 
- XXXX does not allow me to dispute " online ''. Why? I do not know. No answers about it. I sent written " disputes ''. Results " Unfinished Business ''. No corrections made. 

The 3 Bureaus do not sent explanations of what specifically was " corrected ''. It seems to me the 3 Bureaus take a generic letter of " acknowledgement letter '' and help yourself. 

Still, I see the same incorrect information listed. Then, the frustrated cycle continues. 
In particular, after the back and forth " TransUnion '' keeps listed in my report that I have a " Balance for {$25000.00} with XXXX  XXXX initial balance for a new car at that time. Also listed as REPOSSESSION. It was my " Voluntary '' Request to XXXX XXXX '' to pick up the car. I wanted to refinance the loan. No success. Which it was paid off and included in a Chapter XXXX Bankruptcy. Now, " DISCHARGED '' since X/XX/2017. 
- I asked and presented specific details to the 3 bureaus to update my balances. It seems to me the 3 bureaus are very concerned about collecting money by selling their products and in exchange they provide the customer a very poor quality work. Please advise. Thank you.
Product: Prepaid card

I called American express on where to use the prepaid card. It kept getting declined at over 20 merchants. They did not help tell me which merchants would take it. Amex gift cards are a scam
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX  XXXX Bankruptcy XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 and XX/XX/2022 I sent to the Collection Agency PROCOLLECT , INC letters informing them of my series of unfortunate events that had taken place without my knowledge. I had been defrauded and taken advantage of by an unknown assailant and this is what I explained to PROCOLLECT , INC via letters on several different occasions. In these letters I sent to PROCOLLECT , INC I had included laws, dates important to the theft, an FTC Report as well as other explanations to support my claims. After all of my efforts and time spent trying to rectify what has happen to me unlawfully I am still being negated and I feel not taken seriously. I demand the crime I have been victimized by be given the proper consideration. see attachments for proof of claim, proof of Identity, as well as proof of current address on my Drivers License and this will have to suffice because I have no bills or mail at the moment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experian, XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX To whom this may concern. 

I recently received a copy of my Experian XXXX and XXXX credit report and I noticed some late payments posted on my credit report. 

Account Name : XXXX XXXX  ACCOUNT NUMBER : XXXX Your company is in clear violation of the law .15 U.S.C. 1681b, Permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( XXXX ) In accordance with the written instructions of XXXX whom it relates. 

Did I give you written instructions to report this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C 1581a ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between XXXX thepersonmaking the report ; Delete the above account from my credit report. This agency is in violation of 15 U.S.C 1681a.

Failure to response I would take legal actions under 15 U.S.C 1681n Seeking a {$1000.00} for each Violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to submit a dispute through Experian for incorrect spelling of my name. I was unable to submit a dispute online.
Product: Credit reporting or other personal consumer reports

I was never late on my car payments. I did deferred payments in XXXX while on XXXX leave. I also deferred payments during XXXX in XXXX. On my experian credit report I disputed two late payments and they updated the payments and move them to different months which is incorrect. I have my paperwork from the deferred payments.
Product: Debt collection

I noticed an account placed on my credit by this company and took the initiative to call and asked for validation of the debt in order to resolve and reconcile the account in question. I recall speaking to a female representative who informed me I would receive an Itemized bill to breakdown the charges as well as services render. I provided both my email and mailing address and have yet to receive document to date. Around that same timeframe the company did remove the account from my credit in which I thought was to have me validate and confirm charges with the requested documentation, NOPE! ( Because I never got it ). Ironically they placed it right back which affected my score immensely. How do you want me to pay a debt but refuse to send me documents? its been more than 6 months since I requested this! Not ethical or logical! Furthermore, if they are refusing to validate the debt it is not fair practice to keep placing this on my credit and then later decide to remove it just to place it back.! Collecting on a debt but refusing to send proper validation! Unbelievable!
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is XXXX XXXX services and I sent in a dispute via Experian to have them updated my account to current as it showed 3 late payments and I asked them to send me proof and the methods used to prove the late payments. The results came back and It had my account reporting 60 days past due when in fact my account is closed and paid in full since XXXX of 2021. I have attached pictures
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting to the credit agency Experian that I have a charge off account with them. It was ruled in a civil court ( XXXX XXXX XXXX XXXX XXXX XXXX ) that this account was open fraudulently and is of no responsibility to me. XXXX and XXXX are not reporting this charge off account on my profile but Experian is and that is in violation of the Fair Credit Reporting Act to provide maximum accuracy within the accounts.
Product: Mortgage

My mortgage was sold to Fifth Third Bank. Fifth Third Bank has not paid my home owners insurance to XXXX even after several calls to the bank AND submitting proof of insurance as requested on their website. 
Additionally, Fifth Third Bank has raised my mortgage monthly payment by over XXXX dollars with no explanation. Calling the service center has lead to lots of hold times and transferring but never any explanation why my mortgage payment has jumped. I have a conventional loan with 100 % on time payment history. Am looking for more help in getting Fifth Third Bank to co-operate and put my payment back to the original amount and also pay my home insurance to XXXX as my previous mortgage holder did.
Product: Credit reporting or other personal consumer reports

About XXXX weeks ago, I requested my annual credit report from Equifax. I left a recording of all the information they needed to process. 

I received a couple of letters from Equifax asking for information to verify my identification. I mailed a copy of my driver license and utility bill both showing my name and address. 

On XX/XX/2023, I received a another notice from Equifax asking for the same information that I previously provided.
Product: Credit reporting or other personal consumer reports

I HAVE INQUIRIES ON MY REPORT THAT SHOULDN'T BE, IVE HAD NO BUSINESS WITH THESE COMPANIES AND IM REQUESTING TO REMOVE THEM FROM MY REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WESTLAKE SERVICE INC WESTLAKE SERVICE INC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My father, XXXX XXXX XXXX passed away on XX/XX/2023. He had a credit card with XXXX XXXX XXXX which was XXXX # XXXX that had about a {$47000.00} balance on it. I called the XXXX XXXX XXXXXXXX credit card company and told them that my father had passed away. They sent me information on how to go about resolving the account. I had not taken steps to resolve the account when I noticed that my personal credit score had gone down XXXX points due to a delinquent payment. I found out that XXXX XXXX XXXX pinned my dads credit card onto my credit report, which is fraud. I was neither a co-applicant on the card, nor an authorized user on the card. Can you please help me with the situation?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}
Product: Checking or savings account

Dave banking has nice tv commercial and good account management But, unfortunately, behind it lies non-compliance with Mastercard rules about zero responsiveness for fraudulent transactions. 
This company did not even provide a response from the payment system ( MASTERCARD ), stating that their incomprehensible system somehow miraculously revealed that transactions such as cash withdrawals in another state were made by me. I submitted this case to the cyber police. They do something, but the banks decision does not depend on them.

In response to my request to provide me with documentation that it was me who made the transactions, they sent some incomprehensible PDF file from their computer that all transactions were valid.

So I can also create such a file on my computer in the program and write whatever I want. The DAVE platform is completely inadequate to provide banking services. So whoever is a fraudster can freely copy the card or spend money from a thiefs wallet anywhere, but its easier to find out the PIN code of the card and withdraw someone elses money. 
You won't be caught. I hope that the money taken from me will go to someone for medicine to scammers or who works in this miracle banking
Product: Debt collection

On XX/XX/XXXX I took a look a my experian report and found some inaccurate items on my credit report. A collection from XXXX XXXX for XXXX was listed on my credit report that I am not responsible for. I am a victim of idenity theft. Below is a copy of the information. 


ccount Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$62.00} {$62.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX Score XXXX. 
Payment Info Original balance {$62.00} Balance {$62.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for business credit under the impression it was a soft/identity verification pull on my personal account only. They ran it as a hard inquiry which I would had never agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland did not respond to my dispute in a timely manner and they have failed to provide evidence that the account is mine. The policy per their website " Per our policy, we stop credit reporting on accounts that are more than two years past the date of delinquency ''. 

My account is over 2 yrs old and they are still reporting it.
Product: Credit reporting or other personal consumer reports

I have recently received a copy of my credit report and I noticed some items that do not belong to me. My fianc and I are having our first child and are looking for a house but these items have been hindering us. Fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 an 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: Debt collection

Navy Federal Credit Union falsely threatened legal actions, falsely threatened to to contact my commanding officer, misrepresented credit consequences of falling behind on my loans, and illegally froze my accounts from XX/XX/XXXX - XX/XX/XXXX. The CFPB ordered them to pay the members for Improper Debt Collection. This is my second complaint because I made a mistake and put the routing number and not my account number.
Product: Payday loan, title loan, or personal loan

I viewed the company Self online but I never completed the application because I changed my mind about getting a loan. A few weeks later this company was placed on all my credit reports. I never completed the application and I never signed anything to give authorization for a contract. I reached out to Self and they told me the understood and would be removing themselves from my credit. Today, Self remains on my credit and I need this taken care of immediately.
Product: Credit reporting or other personal consumer reports

We have closed our Mortgage back in XXXX. There was a miscommunication on payment due to refinance. They have removed from only XXXX and no XXXX or XXXX damaging our credit integrity. We would like the reports removed from both myself and my wife as they are erroneously renewing the entries past tue fair credit report act. 

We are having to pay a credit repair lawyer to resolve this.
Product: Credit reporting or other personal consumer reports

I qualified for the XXXX discharge of my federal student loan which means I am not obligated to pay my student because I am a XXXXXXXX XXXX XXXX yet my credit score report that I still owe that student loan
Product: Checking or savings account

Bank of America claimed 2 payroll checks made out to me by my employer were counterfeit. I have absolutely no idea how or why they came to this conclusion, but somehow they did. They proceeded to close my checking account and reported me to check systems. I want to be absolutely clear about this ... The 2 checks were NOT counterfeit! I have not nor would I ever engage in any activity that would compromise my accounts or myself. This claim by Bank of America is absolutely wrong, and I will seek legal counsel if the issue is not resolved in a satisfactory manner. To make a claim that a customer is presenting counterfeit items is incendiary. Bank of America is claiming indirectly that I 'm a criminal. I have written Bank of America via regular us mail to inform them that this cliam is absolutely faukse and how they came to this conclusion is beyond me. After calling customer service with wait times of over an hour each time, I realized that Bank of America has no interest in the customers concerns and instead jumps to whatever conclusion they wish. Big Banks get away with making claims against consumers with absolutely no evidence to back their decisions. I have also acknowledged that one or more checks were deposited via mobile banking and somehow got mixed up in my other undeposited checks, but the check Clearinghouse has always caught this at the ATM or online banking app and returned the check at that time. Whenever I erroneously attempted to deposit a check that had already been deposited previously, the ATM or mobile app would inform me at that time that the item had already been presented and I would simply dystroy the check at that time. I would feel confident that if I accidentally deposited a check after it had been previously deposited that the check Clearinghouse would inform me at the time of deposit. I believe this to be a safeguard that protects the customer as well as the bank. In the event an item is returned I would be accessed a fee for returned items. Additional one deposit that the ATM erroneously displayed as a {$55000.00} deposit on a check in the amount of {$87.00} was the fault of the ATM. I at no point entered any amount the amount was automatically generated via the ATM. I attempted to cancel the transaction without sucessm. The bank caught and fixed the error and the amount was adjusted to reflect the correct amount. I 'd like to say in closing that I truly hope Bank of America fixed this error. The checks were not counterfeit and I would never present any item that I thought or knew to be counterfeit. Very extreme claims against a customer with little to no recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I woke up to numerous accounts on my credit report that I have no connection to.I immediately called XXXX  and was informed I had to file a FTC report. So I then filed a FTC Report ( FTC # XXXX ) and sent it to XXXX, Equifax and XXXX  via USPS. XXXX  received my complaint on XX/XX/XXXX ( tracking number # XXXX ) XXXX  received my complaint on XX/XX/XXXX ( tracking number # XXXX ). Ive faxed Equifax my complaint and none of these entities has remove the fraudulent accounts. They are taking advantage of me as a consumer and dragging their feet with removing these account. 15 USC 1681c-2 states Block of information resulting from ID Theft within 4 days. It has now been 7 days and the fraudulent accounts are still on my report. My score has dropped over 100 points due to this. Equifax has even went as far as sending me a letter stating that pursuant to FCRA 605B ( c ), which is a very disrespectful and vague response being that they're not being specific to which subsection they are choosing to deny my demand pursuant to being that there's 3 different sections listed under that law. Furthermore, by providing such a vague answer they're not affording me a chance to rebut their statement directly.

Ive satisfied all the requirements pursuant to 15 USC 1681c-2 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 )
the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Request for Removal of Inquiries on TransUnion Report Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance regarding unauthorized inquiries on my TransUnion credit report. I recently reviewed my credit report and noticed the following inquiries that I believe should be removed : XXXX. XXXX XXXX  - Date : XX/XX/year> XXXX. XXXX XXXX - Date : XX/XX/year> XXXX. XXXX XXXX - Date : XX/XX/year> These inquiries were made without my permission, and I have already filed a report with the Federal Trade Commission ( FTC ) to address this issue. I am concerned that these inquiries may negatively impact my credit score and overall financial standing. 

I kindly request that you investigate this matter and take appropriate action to have these unauthorized inquiries removed from my credit report. I have included a copy of my FTC report for your reference, as well as any pertinent information needed to process my request. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX