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

I am writing to dispute inaccurate account information listed on my consumer report by Transunion, as obtained on XX/XX/year>. Upon reviewing the report, I have identified discrepancies in the information furnished by Transunion. I have identified inaccurate monthly payments and account balances. It has come to my attention that there are potential violations of federal consumer protection laws in the handling of my credit information. 
I have not received a response from this company. My tracking number is XXXX. Listed below are the accounts with inaccurate information. 

XXXX XXXX XXXX Open date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXXOpen date not reporting correctly, date last active , date of last payment is not correct, this account is not accurate XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXX XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct , this account is not accurate XXXX XXXX XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Under 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), it is explicitly stated that reporting a payment as late on an open-ended credit plan is impermissible under any circumstances. Additionally, according to 15 USC 16819 ( B ), consent from the consumer is required before furnishing information on their behalf. To date, I have not granted such authorization to Transunion.
Product: Debt collection

In  XXXX   2017 , I  C Systems be gan reporting a  XXXX  debt of {$370.00} to my credit. As seeing it on my report was the first I 'd ever heard of the debt, I attempted to dispute it. But to no avail. I have not received a response from I C Systems, or documentation that the collection is, in fact, mine.   XXXX  Having never received a collection notice, I was not given the chance to dispute the debt before it was reported to my credit. And from what I see on the reports, they did n't even wait the 30 day period before reporting it, since they got it in  XXXX  and were reporting it by  XXXX . Which makes me believe a letter was never sent, they just reported without even trying. Is that even allowed? Are n't consumers supposed to have a chance to dispute or pay a debt before it ruins their credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent inquiry from XXXX XXXX on my Equifax report that appeared on XXXX XXXX. I have contacted the bank and they sent me a letter confirming that the application was fraudulent. I have created a file containing this letter, my driver license, Equifax research request form and a letter with description of the situation ; and faxed it on XXXX XXXX. 
Today, on XXXX XXXX, XXXX, I have called XXXX to follow up on the paperwork and find out if they are working on removing the inquiry. What a horrible treatment I got First representative just put me on hold, and just never got back to me. I have called again and asked to be transferred to the US office. After passing XXXX XXXX security questions and being on hold a couple of times, he finally found my paperwork. Then it has become more interesting My ID ended up being blurry ; the letter from the bank also was not working for him. So, I asked, ok, let me fax you/e-mail you my ID again. Then I asked to explain why the paperwork I have send, doesnt satisfy them. What can I send them? I couldnt squeeze any answer from the representative. I asked to be transferred to supervisor/manager, but he refused! The I start asking him for his name, but I never got the answer! 
Not sure if it will help your investigation, but I was on a call with Equifax representative on XXXX XXXX, XXXX at XXXXXXXX XXXX. 
I am asking for your help as I believe no one should be treated like this. I am hurt! Please dont leave it like this. 

Best Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been seven years for my santader loan shows like its been late in 2017
Product: Vehicle loan or lease

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report.I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Product: Mortgage

in XXXX i was give 2 delayed payments which still exist and now the are threatening reposetion i made a payment on XX/XX/XXXX for the XXXX bill they called and threatened me do to the current problems and i have complained about them before and you tookcare of it and i had proven that they had been over paid and the 2 delayed payments still exist now they are saying they dont
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to request specific information regarding the above-referenced account for my personal records. To ensure the accuracy of my financial information, I kindly ask for written confirmation of the following details:1. The first date of delinquency for this account. 2. The date of the last payment received. 3. The date the account was officially charged off.Please provide these details in writing within 30 days. I appreciate your cooperation and look forward to your prompt response. Thank you.
Product: Credit card or prepaid card

In the month of XXXX, JP Morgan closed two of my 2 credit cards and two my of my checking accounts and put me in a limbo. I had no idea why nor for what reason they closed my accounts. I went in and asked and sent a letter in asking why, yet I never received a clear response. Furthermore, I have no idea why a company is allowed to close an account without saying anything. This affected my credit due to the reduction of my credit line.
Product: Credit card or prepaid card

I provided a legitimate XXXX drop off receipt showing that I returned the 2 items in the order I disputed with Goldman Sachs Apple Card against merchant babylist for order XXXX. Babylist claimed that the items were not returnable but according to their return policy they are for up to 9 months and also I have an email where they CONFIRM processing my return request so it was returnable in fact. My XXXX  drop off receipt I provided shows the items I returned XXXX the prepaid return label they gave me and they weighed 75 pounds. This is for dispute XXXX.
Product: Credit card

I received a form letter from Bank of America at the end of XXXX, XXXX demanding for an information profile update. The letter and forms are attached. I called BOA immediately and was informed that if I did n't comply it would interrupt my services. I stated the only reason I have this credit card ( which I have had since XXXX ) was for charging items, etc. and did n't use any other BOA services. And that I paid my charges in full every month. 
Today, XXXX XXXX, I tried to use the card and it was denied. When I called BOA to ask why, they informed me that the XXXX required me to furnish BOA with a physical address at which I receive no mail. When I looked at the XXXX XXXX of XXXX it stated this information was required for new accounts. And that some banks would sell this personal information. I went to my own bank and they said they had never heard of asking a long time customer for this type of information. To me this is an invasion of my privacy.
Product: Credit reporting or other personal consumer reports

I purchased a XXXX XXXX from Aqua Finance on XX/XX/XXXX. I was misinformed and misled regarding payment by a Representative who first came to my home. Then, an installer came to my home while I was at work. He installed the product and left paperwork with my underage XXXX at the time. When I returned from work and read the papers, I found out my quote of XXXX XXXX monthly wasn't accurate. The paperwork stated it was XXXX XXXX monthly. I hadn't signed this paperwork and didn't agree. I called the company the next morning and explained this wasn't what my agreement was and if the payment was $ XXXX to pick it up. I was told they couldn't pick it up and if I didn't make the payment they could put a lien on my home. I tried reasoning with the company. I felt bullied. I did pay on the product for XXXX yrs I believe. Although it was a struggle, and I was a single mother of XXXX. At some point I just couldn't afford it anymore and stopped paying. Changed my banking info etc because they refused to work with me. Currently I'm in the pending process of selling my home and my XXXX XXXX and Representee ( XXXX XXXX XXXX stated this company Aqua Finance put a lien on my home. Until the XXXX is cleared, I'm unable to sell. XXXX and I both have reached out to the company. I spoke with XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, regarding my Account with them. Who is forwarding information to someone else. I was told I could expect a call and there wasn't anything he was able to do. My XXXX XXXX found online there is a class action lawsuit against them from this XXXX regarding these types of situations being a part of the lawsuit. I need them to clear the XXXX of my home and show a XXXX balance so I'm able to move forward. I have asked my XXXX company if I should pay them off and then go back to pursue my own judgement with this? She isn't able to answer these questions but suggested I add my information to this lawsuit. If there's any possible way, I could please get help. THank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

File Number : XXXX I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize. These inquires need to be deleted from my credit reports as soon as possible. 

XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/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   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX These inquires need to be deleted from my credit reports as soon as possible BECAUSE I DID NOT authorize them
Product: Credit reporting, credit repair services, or other personal consumer reports

Several attempts to all XXXX bureaus to clean derogatory and false information. I've mailed several letters, paid postage via certified mail, made several phone calls, to all XXXX bureaus since the year XXXX all to have the same items and addresses still show on my credit report. Letters I've sent a few times didn't receive responses. i reported fraud and also filed a police report back in XXXX due to suspicious activity with credit reports. XXXX has had a data breach that I feel I was affected by. I am currently XXXX and cant seem to do anything financially due to derogatory remarks and items being reported that I have asked to be verified all for them to take forever to respond and then for these items to come back as verified all because the so called creditor may have found and use a current address in attempts to validate the debt. I've surrendered over several peices of of substantial evidence that backs my claims but no fair justice has taken place. Reps for these bureaus who are working from home most of the time has offered little to no help or information. Etc., etc., etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo  has transferred an equity loan account without my consent or knowledge for what they claim was for administrative reason. This is a false statement as the loan in question, now account No  XXXX  was secretly transferred to release the tile of the primary mortgage prior to the home 's foreclosure in  XXXX  of  XXXX  and was done so a year prior to said foreclosure all whil e Wells Fargo  was supposedly working with me regarding a loan modification.  Wells Fargo s eemingly was looking to make good due to the outcry of predatory lending claims by millions of former Pick-a-payment customers. The loan type has since been outlawed an d Wells Fargo set tled a class action law suit, of which i opted out of, for millions upon millions of dollars, which equated to {$700.00} - {$1200.00} dollars per victim  ( p ennies on the dollar ).  Wells Fargo w as also found guilty of not modifying troubled home owners during the housing crises, me being one of them as i was denied on multiple occasions from  XXXX  with  one  approval claiming to be a modification but was nothing more than baking back payments back into the loan without changing any note payment terms. with that said, Wells finally agreed in  XXXX  to work with me and modify my home as they should have done back in  XXXX , so what did they do? well they did n't go back to see if i should have been approved back in  XXXX  when I had a ton of debt and a hefty mortgage payment, instead they based my mod qualification on my current finical state, which had dramatically approved since I had stopped making my mortgage payments on a predictor loan in favor of paying all other upstanding credit grantors.Needless to say I was not approved for a home modification a nd Wells Fargo fore closed on my primary home selling the home for  XXXX  less than I was looking to pay in a modification.   My latest complaint was forwarded  to Wells Fargo 's Executive Resolution Specialist   XXXX   XXXX , who I immediately identified a  XXXX  a person with a predetermined position and was just looking to find only information that supported his narrative. I requested his removal directly with his supervision  XXXX   XXXX   XXXX , as I felt his personal opinion was introducing a bias investigation.  XXXX   XXXX  never returned my calls or responded to my many recorded requests left on her voicemail to remove and replace  XXXX   XXXX . Should this latest attempt fail to resolve this issue I will file a formal suit for punitive damages of a minimum of  XXXX   XXXX  dollars.
Product: Debt collection

Car was paid off XXXX XXXX Credit report still shoes late payments and balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive checked my credit report and notice unauthorized inquiries on my report from Discover Financial Service. I have never authorized it and that the creditor did not have permissible purpose. According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. I called Discover and ask them to verify and validate and see me physical proof that I applied for this. Upon talking to the company they could see anywhere is there system bearing my name or any application. They also sent a letter to my home address verifying that I did not actual apply for credit. I called the credit bureau and I also disputed the inquiry and I with uploaded the letter that Discover provided me. XXXX told me that Discover would have to send them a correspondence stating for them to remove the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

New and updated information I recently pulled my credit report, on XXXX XXXX and I noticed some errors on my account that was totally inaccurate. I then sent dispute letters to Experian and XXXX on XXXX XXXX and every 30 days up until present XX/XX/2023. I asked the bureaus motioned to please verify and validate the accounts in question and they sent them back as verified. I know they have not done the verification process because the errors still remain on my credit report. The collection account is still reporting as OPEN but it's a COLLECTION and how can a collection be LATE 120 DAYS if it is a collection account with a PAST DUE amount. On Experian the account is listed as a collection account with a derogatory status and on XXXX it is listed as an open account Late 120 days with a pat due balance of {$680.00} This is proof that it was not properly investigated. This is a violation of ( 15 ) U.S. code 168i ( 5 ) by law any inaccurate information is to be removed immediately. 

Experian XXXX XXXX Account : XXXX Account type : Collection Payment status : Collection/ charge off Account Status : Derogatory Experian XXXX XXXX Account : XXXX Account type : Open Account Payment status : Late 120 Days Account Status : open Can someone please assist me with this matter Thank you.
Product: Credit reporting or other personal consumer reports

this credit card account is my ex girlfriends and she listed me on the card as a signer i never got a card and i have never used this card she has tried to get them to removed me from the card she has verified that it wasn't my card and i never used any of the balance on the card and they still refuse to removed me she has verify to XXXXXXXX XXXX that this debt isnt mine and has yet to get resolved to it
Product: Checking or savings account

XX/XX/2019. The account was closed by bank. I'm just trying to get my money. Amount owed is {$1300.00}.
Product: Debt collection

Good Afternoon, I called the company that have my account because this is the second or 3rd time they are taking my IRS returned. I though this account was closed and paid in total however I was told today the I still owned them XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. {$1600.00}. XXXX which they took my $ XXXX refund to get paid. Again. This account was sold out by Army & Air Force Exchange Service in XXXX to them for collection although I didn't get any paperwork of the outstanding debt them or now I, according to XXXX XXXX the CP operations said that I still have an outstanding balance. This is not the 1st time that they take my refund and keep my account open to collect the interest at 18.45 % therefore if they don't closed my account I will never get this over and I will continue owning money to this company!! I will need your help to find a solution to this. I will need your help to get any paperwork from the outstanding total and why this account still open when it was promised to be closed out last year.XXXX XXXX I was working under military orders in XXXX and XXXX therefore my husband tried to fix this issued they told him that was everything paid and now they are taking my refund and I still have an outstanding balance. 
PLEASE HELP ME WITH THIS ISSUE!! 

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

During sometime between XXXX and XXXX, my student loans with XXXX XXXX XXXX  XXXX were defaulted and no longer existed as a balance under their name directly. When I recently called to initiate a new payment plan they said they no longer hold the account and it was first sent to a private company called XXXX XXXX who assumed my debt. After this I finally realized that XXXX XXXX who works with the department of education actually holds my account and I have set up a new payment plan with them to work down and pay off my student loan balance. 

My problem and the reason I am reaching out to you is XXXX is still showing my account on my credit report monthly as late, but they do not hold my account. My problem is how can the credit reporting agencies continue to report my account that used to be with them as late if they no longer hold the account? I am paying fedloan services for my debt which has been completely taken over by them. 

I have put in disputes with XXXX XXXX over the past year to no avail in correcting this. 

Can you help me or find out if I need to involve XXXX XXXX ( my credit repair service ) further? Or involve the Federal Trade commission? Or get an attorney myself on this matter?
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 
Account name : XXXX XXXX Account # XXXX has violated my rights. 
According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC XXXX ( XXXX ) ( b ). 
According to 15 USC XXXX ( XXXX ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it. 
According to 15 USC XXXX, they are not supposed to furnish any information that is known or believed to be inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, balance owed is reported but it is showing as a closed account, and date reported is not accurate. Some account don't even show a closed date!! This is grounds for removal, they also violated my rights under 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.

Also the credit bureau took more then 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX- Equifax # XXXX XXXX XXXX XXXX XXXX - XXXX  # XXXX XXXX XXXX XXXX XXXX - XXXX