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

I am filing this complaint against Experian, for the continued reporting of an inaccurate, unverifiable bankruptcy in my credit report. This has negatively impacted my credit profile, even though the reporting is based on improper sources, lacks verification, and violates my privacy rights. I am requesting that the CFPB intervene to enforce the immediate removal of this bankruptcy and all associated accounts from my credit report. 
The reporting of this bankruptcy is inaccurate, unsubstantiated, and violates the Fair Credit Reporting Act ( FCRA ), as detailed below : 1. Inaccurate and Unverifiable Reporting ( FCRA 1681e ( b ), 15 U.S.C. 1681c ) - The FCRA requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of reported information. Since courthouses do not directly report bankruptcy information to credit bureaus, the source of this information is unverifiable, and its continued reporting lacks a legitimate basis. 

XXXX. Unauthorized Public Dissemination of Private Information ( FCRA XXXX ) - The FCRA stipulates that credit bureaus can report consumer information only with consumer consent or for permissible purposes. I have not authorized any credit bureau to report this bankruptcy, making the current reporting of this information a violation of my privacy rights. 

3. Failure to Provide Verification ( FCRA 611 ( a ) and 611 ( a ) ( 7 ) ) I disputed this bankruptcy with each credit bureau. Under FCRA 611 ( a ), credit bureaus are required to investigate within 30 days and delete unverifiable information. FCRA 611 ( a ) ( 7 ) further grants me the right to detailed information regarding the verification, including the name of the source and methodology used. The bureaus failed to provide adequate verification, and this bankruptcy should be removed.

4. Additional Violations and Potential Liability Under 15 U.S.C. 1681 ( a ) ( 4 ), the FCRA protects consumer information to avoid damaging consumers creditworthiness and reputation. Sections 15 U.S.C. 1681n and 1681o outline liabilities for willful or negligent non-compliance with the FCRA. The continued reporting of this bankruptcy is improper and subjects these bureaus to potential liability.

5. Debt Validation Requirement ( 15 U.S.C. 1692g ) If the bankruptcy information was obtained from a debt collector, 15 U.S.C. 1692g requires validation of the debt. If validation has not been provided, the reporting remains unauthorized and unverifiable. Thanks for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see pages 5 and 6 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Bank account or service

I was a customer at XXXX, A Division of Synovus Bank up until XX/XX/2016 at XXXX. I came in to XXXX to close my bank account with XXXX XXXX. I was owed {$100.00} and change. I was only given {$91.00} in cash. My debit card was turned off and the chip card that was sent out to me was never sent. I was mailed a {$5.00} check. Because my bank debit card was canceled, I could not deposit the {$5.00} Synovus check. I came into XXXX Bank with the XXXX dollar Check and presented the {$5.00} check to XXXX XXXX. She said I could not cash it because My bank account was closed when it was really open. as of today, the date is XX/XX/2016, Tuesday. I had to sign a second bank account closing document and was told to sign a third document to receive my {$4.00}. I called customer service and was stonewalled by the representative with false excuses. I asked to speak to her supervisor. The representative pretended that I did not specify to speak to her supervisor but, the Branch manager at XXXX. She understood me but faked that she did not understand. The Supervisor refused to talk to me. The representative wanted my number for the supervisor to call me later. I asked to speak to a XXXX and was denied. I was placed on a long hold 4 times ; and a supervisor named XXXX rushed me off the call saying she did not know why I wanted to talk to them when I am in the XXXX Bank and They can fix it since the issue is with them. XXXX said she cant make the XXXX Give me the {$5.00} they owe Me. I was lied to by call center representatives saying my bank account was closed then other representatives apologized and said my account was closed, then again other representatives said my account was Open when they were right and my Account was open for usage to cash my {$5.00} check, and to use for other things but my debit card was turned off so, I was not allowed to use my account. The way I was treated was Illegal, Unethical, disrespectful, And Cruel. Synovus and XXXX, Have terrible customer service to wait until I come into the bank the next year to close my account but continues to send my Bank Statements saying I have {$4.00}.
Product: Credit reporting or other personal consumer reports

I was checking my credit report on Experian. I have XXXX student loans, one is {$11000.00} and the other is {$130000.00}. My student loan servicer was XXXX XXXX ; however it was transferred to XXXX on XX/XX/XXXX as I entered into the public service loan forgiveness program. XXXX is the only servicer for the public service loan program. Experian currently has both of my loans as active for both XXXX XXXX and XXXX; basically stating I have XXXX student loans with a balance was basically {$300000.00} when in reality I have XXXX student loans with an approximate balance of {$150000.00}. The XXXX XXXX loans were transferred to XXXX, thus XXXX XXXX no longer holds them. I only make payments to XXXX. I have disputed this twice, even providing documentation from XXXX XXXX stating my loans were transferred to XXXX. Experian refuses to remove the incorrect information, basically doubling the size of my student loans. This is making it difficult to secure loans as creditors believe I have {$300000.00} in student loans when in reality it is half of that. I would respectfully request that Experian remove the old loans that were transferred and closed to so my credit report accurately shows the true balance of my student loans. 

Experian stated they investigated my concern and confirmed the balance with XXXX XXXX. I spoke to XXXX XXXX today and they stated they do not have the loan, it was transferred in XXXX, and my balance has been {$0.00} since that time. I do not understand why Experian is having difficulty obtaining this information. This is my 4th attempt to resolve this issue. This should not be that difficult. I am providing additional documentation including the screenshot of my XXXX XXXX account showing my account balance is {$0.00} and the loan was transferred to XXXX on XX/XX/XXXX. I have already submitted documentation, which I will again, from XXXX of XXXX showing my loan would be transferred to XXXX from XXXX XXXX. The documentation I am providing overwhelmingly proves my XXXX XXXX account is no longer active, I do not owe on it, and my balance is {$0.00}. I respectfully ask Experian to correct my credit report.
Product: Checking or savings account

Wells Fargo enrolled me in identity theft protection in XXXX of XXXX and XXXX of XXXX. I did not authorize these products. I was part of the class action lawsuit. They claimed to have only opened 2 Fake accounts, however I would like to check my statements going back to XXXX of XXXX to see how many Fake accounts were actually opened during this period. My CFPB case number is XXXX and my Wells Fargo case number is XXXX. According to Wells Fargo I should have received the statements by XXXX XXXX, XXXX. I have had no success trying to contact the case specialist.
Product: Mortgage

I was approved for assistance through the North Carolina Homeowners Assistance Fund. HAF made the first payment to SPS on XX/XX/XXXX. It was in the amount of {$2.00}, XXXX and was to reinstate my loan, going back to payments missed since XX/XX/XXXX. HAF also made payments for me going forward through XX/XX/XXXX, for a total of {$3.00}, XXXX. 
The second payment made by HAF was on XX/XX/XXXX, in the amount of {$350.00}. My mortgage company, SPS, never applied thise payments to my loan, neither the reinstatement lump sum or the XXXX payment. My caseworker with NC HAF was able to verify that SPS confirmed receiving the payments. My attempts to resolve the matter by contacting the ombudsman department at SPS have been unsuccessful. I realized what they had done when I called to make my XXXX mortgage payment, and the amount I was told I needed to pay did not show me as being credited for the HAF payments. I was first told it would take them a few business days to research and resolve the matter. As if today, it has been two weeks and they still refuse to acknowledge or correct their error. Today they said " call back after XXXX XXXX ''. I feel like that is unfair and unacceptable. They have been paid for many months, and I shouldn't have to get behind on my payments again while I wait for this mistake to be fixed.
Product: Credit card or prepaid card

Tried to buy gas on XX/XX/20 with Chase bank debit card. Denied, got three different XXXX  reasons for the decline. Called main phone number - transferred to corporate ( XXXX ) XXXX, # XXXX. No reason given for problem with my card, will investigate? I told her I needed the card to work by XXXX on XX/XX/XXXX as I had to go to XXXX XXXX, a 45 minute drive and I needed to put gas in my car. No reply, no reason, no new card, no opening on existing car. 
This situation is past absurd, Chase doesn't know what Chase did? Not acceptable under any circumstances. I need this fixed ASAP. I have more than sufficient money in the account, therefore I need an immediate remedy. I HAVE to be able to get to MY MONEY. Things are bad enough with C19 without utter XXXX  added in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Product: Credit card or prepaid card

I attempted to close my credit card with Commerce Bank on three separate occasions. The first time I tried online, received a notification on the screen that the account was closed, but it was still showing up 2 months later in my online banking page as active. The second time I tried over the phone, they claimed I could not close it because it had a pending charge. I asked to not let that charge go through, but they refused. The third time I went into the bank branch, with a family member as witness in XX/XX/XXXX, and closed both checking and credit card. I was assured the accounts were all closed and I had no cards or accounts with them. I continued to monitor my account, but 2 months after my online banking information was deleted as I had no accounts to watch. I then moved states a few months after that. I have received no contact from Commerce Bank. 

In XX/XX/XXXX, I received notice from the people that lived at my previous address that I had mail from Commerce. It ended up being a " missed payment '' notice. When I called the bank to inquire why this account was still actively being charged, they informed me that it had NEVER been closed and was still active. It was a fraudulent payment from XXXX in XX/XX/XXXX from California and is now on my credit report. This would not have been possible had they closed the account when they told me they did.
Product: Debt collection

XXXX XXXX is still attempting to collect a false debt with the following aliases : Glass Mountain Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX has sent a letter to tell me that they sympathize with ID theft and would remove the false debt, yet they send another letter to offer a SETTLEMENT through the Glass Mountain LLC for that same debt that was not incurred by me and already proven to be a false. I am tired of the harassment and will be reporting them to a credit bureaus and federal entities to cease all communication and use of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Talked to the department of Education as soon as I noticed this late payment hit my credit report. I was in Forbearance at the time and it should have never showed up as late. Now unfortunately this caused my score to sink! I called Department of Education and they agreed to get it deleted from my credit report. I called to follow up at the beginning of the month and asked for a specific date as to when it would be deleted and they told me they would not delete it! their calls are being recorded. this needs to come off
Product: Credit reporting

I am very disappointed with Experian. There are inaccurate items on my report dragging my score down about XXXX points. Please find the attached letter of said inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  has violated my rights 15 U.S. Code 1679c - Disclosures Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is required by law to add an identity alert to my file. I provided a filed and accepted/approved police report and they repeatedly mail me a letter saying they refuse to obey the law and add an identity theft alert. They claim there 's been a misrepresentation of facts. In fact, this is a blanket letter they are sending out and using this letter as an excuse to violate the law, which is punishable by a class action lawsuit and fines from federal regulatory agencies. Numerous people have reported this to the Attorney General, supplied their valid police reports, and the AG is looking into it. For now, they have asked us to have your agency investigate. They have sent out thousands of these fraudulent letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is commiting illegal furnish of information fraud. Per 15 U.S. Code 1692 a ( 5 ) I have not been supplied proof of ALLEGED OBLIGATION OF DEBT. No written contract instrument with XXXX XXXX in XX/XX/2022. 
My government information illegally given out. 
Equifax is fraudulently claiming verified with no proof of agreement.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Experian, XXXX and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have asked Experian, XXXX and XXXX to reinvestigate these accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for incorrect information reporting on my credit. I have also requested for Experian, XXXX and XXXX to remove XXXX XXXX from my account due to inaccurate information. However, they have stated everything was completed and accurate. But how is this possible if these account still remain on my credit report. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that are not reporting accurate information. 

15U.S.C 1681 section 602A. States I have the right to privacy. 

15U.S.C 1681 section 602A section 2 : States consumer reporting agency can not furnish an account without my written consent. 

15U.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. 

15U.S.C 1681c ( 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. 

XXXX and XXXX both failed to send me an update on the dispute I submitted. I called both XXXX and XXXX and they have both declined to send me a letter providing me an update of the dispute. When I asked them what information did they request from the creditors I am disputing on my credit, XXXX response was we just go base on what the creditors send us and when I asked what the creditors sent them to confirm that account was opened by me they simply say they provide basic information. When I called XXXX they provided general information on what they do on a dispute which was not helpful.
Product: Debt collection

Regional Acceptance claims that my debt was not sold but has released all my personal information to a unfit company that has all of my information.
Product: Student loan

I took out a loan for my education in XXXX 2007, it was a student loan with my aunt as a co-signer. My loan is currently past due and I am not working, I have repeatedly spoken to XXXX as well as AES about my options with payments while I am unemployed however they keep telling me that the investor has no options. I asked them to send me the original loan documents that I signed with XXXX when I requested the loan and realized that my loan is at a much higher interest rate than a classmate who is male and white, and had a credit score that was significantly lower than mine was at the time.
Product: Money transfer, virtual currency, or money service

Paypal permanently limited my account.I can longer conduct any kind of business with them.I still have the balanced on ky account.And the problem was I did exactly what their process of opening an account.Im a new user of their account so there is no possible reason why they just limited my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because XXXX XXXX, sent new debit cards to a different address. in a different state to the thieves were able to defraud my banks and empty my banks accounts and cause mortgage payments to bounce. 

The late payment has effected my credit caused me the a late payment charge of {$150.00} and XXXX fee of {$35.00} I need XXXX XXXX to repair the damage.
Product: Debt collection

This is a debt from an apartment complex for me and my son who is in XXXX. The company says everything was signed via online but it was fraudulent. My son never attended XXXX  in this area. I want to see proof on who signed this documents. Please help
Product: Credit card

I am disputing the collection account with PHOENIX RECOVERY GROUP, account number XXXX, dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that PHOENIX RECOVERY GROUP, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Debt collection

I received a letter from the debt collection agency XXXX XXXX XXXX, XXXX stating I owe a debt in the amount of {$3300.00} that was owed to original creditor SYNCHRONY BANK and merchant PAYPAL in which XXXX XXXX XXXX, XXXX is the current creditor of this debt owed. I did not take out any type of credit with these creditors stated.
Product: Bank account or service

In XXXX 2016, I found out that someone had made unauthorized withdrawals from my bank account when my rent check was returned for insufficient funds. I went to the bank to tell them I had been a victim of identity theft. They did not cancel my ATM card. On my XXXX statement, I saw additional unauthorized charges. I filed a police report and brought it to the bank to report the fraudulent charges. The bank representative was very rude and accused my granddaughter of using my card to make withdrawals. The bank representative would not believe that I had been a victim of identity theft. I lost over {$3000.00}. I asked the bank to investigate. They wrote me a letter a few weeks later saying the charges were authorized, but gave no details. Meanwhile, the police have identified the suspect and are preparing to make an arrest.
Product: Checking or savings account

Account holder is my mother, age XXXX with XXXX  disorder. She wants to add my name to the account. Multiple delays. one delay was due to me changing an appointment. Another delay from poa problems. Calls were not returned and emails were not answered. Wells Fargo expects my mother to come into the branch for about 45 minutes to sign documents and will not accept a notarized signature. My neighbor is a notary and could easily notarize for her but WF staff says they can not accept that. 
Accommodations for Covid are not being made with this situation.
Product: Debt collection

I asked Portfolio Recovery Associates , LLC to verify the debt they added to my credit report and disputed this with them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and every time after waiting 30 days for each request I never received any documents verifying the debt.
Product: Consumer Loan

Ally Financial ran my credit on XXXX and again on XXXX for an auto loan out of XXXX XXXX. I never gave them permission. My daughter was shopping for a car and the dealership ran my credit without my permission. I live in XXXX was n't even there.
Product: Credit reporting or other personal consumer reports

This is in relation to complaint XXXX. I called Radius Global Solutions on XX/XX/XXXX XXXX XXXX and it was mentioned that the debt was " recalled '' by XXXX XXXX. I'm looking to settle this debt and both the credit card originator nor the debt collector knows where it is.