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

I have reached out several times to TransUnion by letters, disputes online, as well as phone calls and filing complaints with this forum.    XXXX  is reporting a bankruptcy that was discharged as well as accounts associated with it. I have sent dispute letters and in their response, they stated, " verified thru the Bankruptcy Courts. '' I have enclosed a letter from the clerk of court, which clearly states that they DO NOT provide or verify bankruptcies with the credit bureaus nor anyone else. There is a public record entry that was placed on my credit report and I have been trying for over  XXXX  months to get this incorrect entry removed. I have spoken with numerous representatives, supervisors, and managers in regards to the public record and I have yet to get this inaccuracy rectified. This is my seventh attempt to dispute this item in which I have not received satisfactory results. On   XXXX   I mailed a notice to  XXXX  in effort to have the inaccurate item removed or for the credit bureau to produce written documentation including my signature, with enlightenment to how  XXXX  has verified this public record. I inquired to know this information as the public record continues coming back as my public record. In addition to my several written request, I have spoken with various customer service representatives and  XXXX  of the  XXXX  informed me that the request/dispute is sent as a message to the courthouse and once the court verifies it, the information is sent back to the credit bureau. After seeking legal consultation, I was advised to contact the court directly to inquire on their protocol and procedures, for submitting public records to various credit bureaus. After I contacted the court, the clerk advised me that they do not disclose, release or verify any information with the credit bureaus or any  XXXX  parties. At the point, I contacted  XXXX  once again and spoke with another representative who at this time advised me the information is verified by a 'runner ' who goes to the court house. I asked what information does the 'runner ' give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. At this time, the representative was unable to answer my question so I requested to speak with a supervisor. The supervisor advised me due to this being an ongoing re-investigation that there is no 'runner ' involved. The supervisor told me that they use a form which is sent to the courthouse. I asked what form and exactly where the form was sent. I asked if she could provide me with a copy of this form.  XXXX  refuses to give me any physical documentation ( whether tangible or electronic ) that they claim to have that verifies this bankruptcy is mine. I am requesting assistance in getting this ongoing issue resolve. XXXX  violated the  Fair Credit Act by providing me False information I would like for the bankruptcy as well as associated accounts, delete from my credit  report and to receive an updated report showing so.
Product: Credit reporting or other personal consumer reports

Reporting inaccurate information and noncompliance. According to 15 U.S.C. 1692c, you have engaged in unlawful communications regarding this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I was offered a position at XXXX XXXX and proceeded with my background check. I have no criminal history and have never been arrested. I received a phone call from the HR department at XXXX that my background check came back with a XXXX   XXXX charge from XX/XX/XXXX-XX/XX/XXXX. The report submitted to XXXX stated the Case Number, my married name and my date of birth. I contact First Advantage and filed a dispute. Upon further investigation of my own, the woman who was charged had a very similar maiden name as me and our birth date is one number different. I was able to speak with someone at First Advantage and they said if there are any two matches in any category it flags their system and then they do further investigating to see if it's really that person. They then transfer the information manually to my background check report. My concern is that they then transferred the information incorrectly into their system and provided XXXX XXXX with VERY inaccurate information. They inputted my married name XXXX XXXX XXXX and my date of birth into their background check file for XXXX. XXXX from First Advantage told me that she spoke to her manager and that this could have been a " clerical error on their end '' while manually entering the information. They didn't do their due diligence to make sure the information was correct before providing my background check to new employer who is now second guessing if I'm the right candidate. My dispute was filed on Thursday, XX/XX/XXXX. I understand there was a weekend and we are in Covid-19 crisis and many courts are closed or limited. I understand my maiden name is common and there are many XXXX XXXX ' out there, but if they just would have entered the information correctly this wouldn't have a been in issue and I would have been able to sign my contract. No resolution or additional information has been provided by First Advantage. I want to make sure that if there is EVER a case of manually adding information to a background check that this information is triple checked and this doesn't happen to anyone else. I know this will get resolved in due time since this is 100 % not me, but my reputation and job is still at jeopardy.
Product: Credit reporting or other personal consumer reports

Every time that I file a dispute the results are always the same., verified or declared updated when it's never updated and this has been ongoing for the past XXXX years or better! I've undoubtedly been XXXX by these XXXX reporting agencies and kept deliberately from just access to obtain better credit it makes these companies obsolete by their criminal intent against the public!
Product: Credit reporting or other personal consumer reports

XXXX XXXX, balance is XXXX. this debt was settled caine weiner collections. this account is fradulent. 
XXXX XXXX  inquiry was not authorized by me. 
XXXX inquiry was not authorized by me. 
XXXX XXXX inquiry was not authorized by me. 
XXXX XXXX inquiry was not authorized by me. 
XXXX XXXX inquiry was not authorized by me. 
XXXX XXXX inquiry was not authorized by me. 
XXXX XXXX XXXX has been paid in full and settled. XX/XX/2023 XXXX inquiry was not authorized by me. 
XXXX XXXX credit inquiry was not authorized by me. 
XXXX  XXXX inquiry was not authorized by me.
Product: Credit reporting or other personal consumer reports

To Whom it may concern that I am filing a complaint to these that all these inquires are reporting in my credit report and its affecting my score and all these inquires listed are all fraud attempts which I feel worried for my identity XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has used a Third Party Company to obtain Tax Lien information from the local Court System. The Tax Lien showing on my Equifax Credit report in incorrect. The IRS has mixed my file with another person name of which they corrected. Equifax Credit Reporting Agency has refused to REMOVE this Tax Lien from my Credit report which is causing me serious damage. When I called Equifax Representative, I was information that they request this information using a Third Party. I informed them that this needs to be REMOVED because it is NOT correct.
Product: Credit card or prepaid card

The financial institution closed the account based on an assumption that I can not satisfy any charges I will potentially incur on their Credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 3 months I have received the WORST customer service ever from any financial institution that I have delt with. Dealing with XXXX XXXX XXXX from X/XX/17-XX/XX/2017. I was giving misleading information. Her customer service to me was tasteless, classless and very disgusting! Ive sent her over 10 emails not one Time has she replied back to my emails. She had me pulling information that wasnt apart of the issue I was having. I felt racially descrimated when I met with her in person and after that we spoke on the phone several times. I was rudely cut off and her tone wasnt pleasant. I dont understand how someone with such a high position in a bank lack basic customer service skills. I was treated as if I was a criminal!! I will be taking legal matters. Anyone who banks with XXXX XXXX XXXX XXXX should leave before this happens to you! UNACCEPTABLE
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 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: Debt collection

Negotiate a settlement that they offer and the company didnt follow suit.they than said that the couldnt offer me anything at this time so I ask if they can stop call me and harassing with frequently phone calls
Product: Debt collection

On XX/XX/XXXX I received a bill from XXXX XXXX XXXX. I owed XXXX I sent a letter XX/XX/XXXX to inquire verification of debt. I asked them in writing for more information on the their company as well along a copy of the judgement against me. I did go to University XXXX XXXX for a semester XXXX, my cost was to be XXXX. I paid back around XXXX .Cost sent me another bill from them XXXX along with a generic promissory note with a date XX/XX/XXXX which I went to school XXXX. I just want to know what they are charging me for, I want a breakdown of what I am paying for and they will not give me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the dispute case XXXX, the creditor, XXXX Bank, confirmed the historical XX/XX/2022 balance. In the meantime, the creditor, XXXX Bank had also sent the current XX/XX/2022 balance to Equifax. 

Equifax incorrectly overwrote the current XX/XX/2022 balance with the historical XX/XX/2022 balance thus adversely affecting my credit. I am currently applying for a home loan and it is likely that this will result in a significant financial loss due to higher rates. 

When I discussed this Equifax supervisor, badge number XXXX, she refused to assist. This is a violation of my rights under FRCA. legal action.
Product: Checking or savings account

I was approved for a checking account with Suntrust bank on XX/XX/2020. A few days later, I received my Stimulus check from the government in the amount of {$1200.00}. I deposited it into my new account on XX/XX/XXXX. On XX/XX/XXXX, I deposited {$75.00} in checking and {$25.00} in savings. On XX/XX/XXXX, I was informed the account was closed. 

The first time I spoke with customer service regarding the closure of my account was XX/XX/XXXX, at which time I was told that I had restricted access. I spoke with them again on XX/XX/XXXX when they told me they were in the process of closing the account and that it would take 15 business days to complete the closure and another 15 days to mail the check out. I called again on XX/XX/XXXX to follow up and they stated the same thing but directed me to XXXX XXXX. He told me he spoke to the Legal Team of SunTrust and they said that they could do nothing to expedite it. He could do nothing to expedite it. He said they have every right to hold even government checks. It is not against the law to do so. He then provided me with a phone number to the fraud department. 

On XX/XX/XXXX, my mother called them to see what she could do. They told her the same thing. They claimed they expedited the complaint but could do nothing more. 

I wanted to try to reach out to their corporate offices ; however, they would not provide me with the phone number and the number on the Internet is incorrect. According to the party that answered the phone, they have been told to take down that number, but they have not done so, as of yet. I am very much afraid that they are not going to send me the money, as I am XXXX with XXXX, XXXX, and XXXX  XXXX. I am in desperate need of this money to get my medications.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such that in fact, therefore exist. ( please remove this account before I seek litigation for defamation of character. ) XXXX balance {$XXXX}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my profiles. The account being reported by PORTFOLIO RECOVERY ASSOCIATES is hurting my ability to obtain credit. It is my understanding that you will investigate these accounts for me to ensure accuracy. 

Here are the accounts I am asking you to verify as accurate : XXXX : Portfolio Recovery Associates/ XXXX XXXX : Portfolio Recovery Associates/ XXXX XXXX : Portfolio Recovery Associates/ XXXX This item was handled in the XXXXXXXX XXXX XXXX XXXXXXXX XXXX in the State of Georgia on the XXXX day of XXXX, XXXX. The claim presented by Portfolio Recovery Associates has been dismissed with prejudice and can no longer be collected upon. This item needs to stop being reported to all of my credit profiles immediately. 
I have attached a copy of the case dismissal from the XXXX XXXX XXXX XXXX XXXX. Please remove the following account from my credit reports. Your cooperation and prompt attention are greatly appreciated.
Product: Credit card

I requested my account be closed. I was informed they was going to close it and I did not owe any thing for the account. Afterwards, I got a notification that my account was still open and they were charging me fees. I called them about the situation and they say they can only wave the late fee. But they reported my account as late. Im upset and feel like its unfair because I requested my account be closed months before.
Product: Credit reporting or other personal consumer reports

I am exercising my right to have these accounts, which are inaccurately reported on my credit file, disputed and investigated. The XXXX Credit Report XXXX stipulates that I should be awarded {$1000.00} for each false report. I recognize that FCRA XXXX requires reporting any incorrect accounts on a consumer 's report.
Product: Student loan

I borrowed private student loans with  XXXX   XXXX   (  now Navien t )  for  XXXX   XXXX   XXXX , the amount owed is {$11000.00} as of today. I filed bankruptcy in  XXXX ,  XXXX  and had been told this payment  may  have been paid off. Navient said they had no record of that?  <P/> I have recently been   XXXX   since  XXXX   XXXX . My  XXXX  ran out in  XXXX   XXXX , I called them requesting deferment and was denied and told that unless I am enrolled in school, my regular deferment ran out and they can not help me. This is n't the first time I 've had that conversation with them. The only other deferments I had were close to 10 years ago, and I had to pay an amount of money for the  2/3  times to even have my payments be in deferment!   I am on food stamps  (  since  XXXX   XXXX  ) and can not afford to make these payments to them currently because of my cost of living. Yet, they will not waive my fees in anyway.  <P/> Help?  <P/> thank you.
Product: Checking or savings account

I go through Chime mobile banking and requested a dispute for XXXX  about a company that was misleading in terms of the product they released on XX/XX/XXXX for the total amount of {$770.00}, so far only {$100.00} has been returned to me even though I sent documentation that XXXX had refunded the card that was no longer active for the total amount of {$770.00} on XX/XX/XXXX. I have filed 3 disputes and all 3 have been denied despite me sending documentation that XXXX had refunded the total amount to the card that was used. XXXX approved the refund, but my bank is refusing to allocate the funds to my account.
Product: Vehicle loan or lease

I traded in my used car with Bridgecrest Financial for a brand new car and the loan is still being reported on my credit report as a active loan that has not been paid off.
Product: Vehicle loan or lease

The company claims that my account was closed and the company wrote off a {$20000.00} loss, the corresponding entry appears on my credit report, which is completely false information, I have been arguing with this company for two years, which refuses to change these false statements. They are false due to the fact that the car was sold at auction and the company received a payment from GAP insurance. In addition to this, I gave up the car voluntarily, if the company doesnt think so, then let them provide an invoice for ordering a tow truck, of course there was none. That is, my rights were violated due to the fact that it was not indicated that this was a voluntary repository.Also, the company sold the debt to a collection agency, with which I had an agreement to pay and delete both the collection record and the record of the original creditor. I paid the debt, I demand that this information be removed from my credit report
Product: Credit card or prepaid card

There are two XXXX XXXX report the oldest one was mine I never opened another one in XXXX that is fraudulent also I was I. Touch about the Macys charge on my report I do not have a Macys charge someone must have had my info and opened it I had an argument with Macys about this last year and its still on my report. My XXXX XXXX  accounts Im on a payment plan none of these credit reports are right
Product: Credit reporting or other personal consumer reports

Equifax reported and or published inaccurate information. I am writing to notify you of my intention to resolve a dispute regarding inaccurate information present on my credit report maintained by Equifax, in accordance with the provisions of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. As per this statute, I am entitled to pursue litigation as an alternative method of dispute resolution. 

I believe that the information in question on my credit report is inaccurate, incomplete, and fails to accurately reflect my credit history and creditworthiness.
Product: Debt collection

Hello : My name is XXXX XXXX. I have a complaint in regards to a debt collection agency named XXXX. XXXX. I disputed this debt and recieved the following from XXXX. 

XX/XX/XXXX Completed XXXX XXXX XXXX Reported on XX/XX/XXXX {$1100.00} Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 
Dispute Reason Ownership : This is not my account. It belongs to a relative or a person with a similar name or address. 
Dispute Results From XXXX I log on to my XXXX XXXX report, on XX/XX/XXXX to find this company has now sold this non-valid debt to AFNI, Inc. phone number XXXX two days after the completion of this report on XX/XX/XXXX. AFNI , Inc. has now reported this to XXXX further damaging my credit. I attempted to dispute this directly with XXXX ; however, now XXXX will not let me do so due to the system being temp. down. This is not okay and I expect results. These debt collectors practices are illegal and should be prosecuted to the full extent of the law.