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

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on this account that I was in fact paid on time. The consumer reporting agen
cies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my credit report to this complaint for the following account and dates. 

XXXX XXXX XXXX Account # XXXX Late Payment XX/XX/year> Late Payment XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

My wife 's and I have a joint account and her SSI goes into the account direct deposit.I did change the account XXXX months ago and did inform social security of the new account.The money for XX/XX/XXXX was trying to be deposited into the old account by error.Now the bank have the funds on hold for about a month now instead of depositing the fund into our new account.Got a lot of pass due bills and late fees over this month and the bank is still holding the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX reported falsified information to my credit report about my XXXX account being late on the months of XXXX and XXXX. I've sent all companies documentation of correct info and payment history, and even current balances. So what I do not understand is why do they report inaccurate information and then tell me 30 days for an investigation when I have proof from the actual creditor and they have said I've never been late on a payment these guys have messed up my score and cost me to lose my XXXX credit score this has taken a financial and housing hardship on me because my information was tainted with and now it's cost me a lot please start making them report verifiable, and accurate information. They do not follow their own compliance procedure when it comes to investigations or when receiving actual proof of documentation from the consumer.
Product: Credit reporting or other personal consumer reports

BridgeCrest Charge off Account is currently showing inaccurate balance as well as Payment history. Charge off amount : XXXX Balance showing on credit report - XXXX. 


Account was reopened and Ive made on time payments since XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX, VA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$120.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

A bank teller, XXXX XXXX, at the SunTrust Bank located inside the XXXX XXXX XXXX in XXXX, GA, applied for a credit card in my name WITHOUT MY KNOWLEDGE AND MY CONSENT. I went into the bank to cash a check when XXXX XXXX asked if I wanted to apply for a credit card. I immediately told her " NO, I DO NOT NEED ANYTHING ELSE ON MY CREDIT! '' I was unaware that she had applied for a card until the bank said the request for a credit card was denied. 

XXXX XXXX knows she applied for that card without my knowledge and or consent. I am POSITIVE she planned to obtain that card and use it herself - better known as IDENTITY THEFT. SunTrust has taken NO ACTION AGAINST that woman even though they have knowledge that it was applied for using her id to enter the system and or placing my name ( in her handwriting ) on the form. I do not understand why SunTrust has taken no action AGAINST XXXX XXXX. Further, XXXX XXXX called my home on XXXX XXXX, XX/XX/XXXX at XXXX. asking me to tell SunTrust that I DID APPLY FOR THAT CARD AND WITH MY HUSBAND 'S NAME ( XXXX ) ON IT. My husband left his world on XXXX XXXX, XX/XX/XXXX ; his name was NOT XXXX. I told her she should lose her job for stealing my social security number to apply for a credit card that I did not request. I wrote SunTrust and told them about the call which they can verify by checking her telephone records. However, SUNTRUST has failed to do anything to XXXX XXXX - yes she is still employed at the SunTrust in the same XXXX store. This " application '' for the credit card will appear on my credit which is a strike against my credit. I do not understand why SunTrust has not removed XXXX XXXX and issued ANY TYPE OF APOLOGY or compensation for the aggravation to me! 

I guarantee you that XXXX XXXX has used other individual 's social security ( especially senior citizens ) and received credit cards which she, XXXX XXXX, is using - she is guilty of identity theft on my behalf and I am positive on several other senior citizens who may not track their personal information. XXXX XXXX must be fired and forbidden to be employed in any field that contains personal information on individuals, especially senior citizens! 

I want her removed from that position. I want any reference to a credit card application removed from my credit report ; I want to be financially compensated for the frustrations and aggravations caused by XXXX XXXX 's illegal use of my personal information AND attempting to get me to lie for her. She is not telling the truth when she says she did nothing wrong. SunTrust is harboring a thief. SunTrust must review all applications XXXX XXXX used to apply for cards including the info on what she used to apply for a card in my name. They will confirm that she placed that request for the credit card. Further, the bank could probably XXXX that XXXX XXXX has a husband or someone with the name of XXXX to whom she is providing my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 12 USC 1681.

Experian is governed by 12 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have rights to privacy and I did not give Experian written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Transunion for violations of the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>. I sent a letter to Transunion requesting an investigation into the completeness and accuracy of the following account : Account Name : XXXX XXXX Account Number : XXXX 1. Despite my request for investigation, Transunion failed to take appropriate action as mandated by the FCRA. Specifically, Transunion neglected to comply with the following provisions : 2. Violation of 15 USC 1681i ( 5 ) : Transunion failed to promptly delete or modify inaccurate or unverifiable information from my credit file, as required by law. Despite the dispute, Transunion affirmed the accuracy of the disputed information without conducting a proper reinvestigation.

3. Violation of 15 USC 1681s-2 : Transunion unlawfully furnished information to consumer reporting agencies, knowing or having reasonable cause to believe that the information provided was inaccurate. 
4. Violation of 15 USC 1681i ( 7 ) : Transunion failed to provide me with a description of the reinvestigation procedure within 15 days of my request, as mandated by law.

1. In light of these violations, I am seeking the following remedies : Prompt deletion of inaccurate information from my credit file.

Notification to the furnisher of the inaccurate information regarding the modifications made to my credit file.

A detailed description of the reinvestigation procedure conducted by Transunion. 

I have enclosed copies of all relevant correspondence and documentation related to this matter for your review. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against TransUnion for their violations of the Fair Credit Reporting Act. 

Thank you for your attention to this matter XXXX XXXX
Product: Debt collection

SELECT PORTFOLIO SERVICING IS IN VIOLATIONS OF THE FDCPA 15 USC 1692 - 1692. Congressional findings and declaration of purpose 1692a. Definitions 1692b. Acquisition of location information 1692c. Communication in connection with debt collection 1692d. Harassment or abuse 1692e. False or misleading representations 1692f. Unfair practices 1692g. Validation of debts 1692h. Multiple debts 1692i. Legal actions by debt collectors 1692j. Furnishing certain deceptive forms 1692k. Civil liability BY REPORTING ON MY CREDIT REPORT, CREDIT FILE AND COURT DOCUMENTS THAT THEY " OWN '' THE MORTGAGE ASSIGNMENT TO XXXX XXXX XXXX XXXX, XXXX AND BY MAKING THOSE FALSE STATMENTS TO XXXX, XXXX AND XXXX CREDIT BUREAUS. 

PER SPS THEY ARE " COLLECTING FOR '' XXXX XXXX  XXXX XXXX XXXX. BUT THEY ARE REPORTING " SELECT PORTFOLIO SERVICING OWNS THE DEBT TO THE CREDIT BUREAUS BY REPORTING THEIR BUSINESS NAME WITH NO MENTION OF XXXX XXXX XXXX XXXX XXXX. PER THE FCRA - CREDIT COLLECTOR MUST REPORT 100 % TRUE AND ACCURATE INFORMATION.
Product: Debt collection

I Asked for XXXX XXXX to provide the debt validation Back in XXXX With a 30 day reply. No such reply was done. Now I am getting contacted by a law firm of XXXX, XXXX XXXX XXXX, XXXX. 
I contacted XXXX XXXX  and told them I have no idea what this debt even is. Still no response on the validation.
Product: Mortgage

My original complain is Complaint ID : XXXX Despite XXXX response I still have no insurance policy to cover me during the lapse days when pennymac did not pay for my escrow.
Product: Mortgage

I made my mortgage payment as usual on XXXX/XXXX/2015, submitting a request from my bank 's bill payer service, as usual. I then got a statement XXXX that my payment was late, due on the XXXX of the month, late 10 days later. I researched the transaction at my bank and confirmed the payment was sent by ACH wire on time. According to XXXX ( the owner of my loan ) they are no longer doing business with the loan servicing company, LoanCare Services, and my payment should have been sent directly to XXXX. So I contacted LoanCare Services and asked them to research where my money went, if not to XXXX, and not returned to my bank. Their Customer Service people said it was returned to my bank on XX/XX/XXXX. I checked with my bank again, no funds received from LoanCare Services. I called LoanCare Services again. Same story, no details of the return transaction are available, no check number, no ACH transaction number, nothing. Very suspicious of LoanCare Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again Transunion is violating the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), BK-XXXX  BK-XXXX by not provide the name, address, and telephone number of the clerk contacted as BANKRUPTCY RULE 9037 mandates that the statement of social security be redacted and therefore both the UNITED STATES COURT and you are violation of that federal law or the third party company that reported the information that has certified to you is accurate as you affirmed in the investigation report that you sent ( 397187435-010 ) attached Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

What in the world is happening here that my concern was not attended by XXXX  and Transunion!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from 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 ( Original Creditor : 11 XXXX XXXX  ) XXXX**** , XXXX ( Original Creditor : 11 XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX  XXXX XXXX ) XXXX** , XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX****, XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX****, XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX**, XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX ) XXXX****
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-1XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Mortgage

When I first closed on the home I had two quote from different homeowners insurance providers. I have an email and closing disclosure to show that I had wanted my homeowners insurance provider to be XXXX not XXXX. I closed in the home XX/XX/2022. XXXX sent a payment request in XXXX and my mortgage company made the payment without informing me. When my renewal came up at the end of XXXX. My homeowners insurance informed me that they did not receive payment. When I called my irrigate company they mentioned they had made a payment to XXXX for the renewal. 

I called XXXX to provide documentation that I had XXXX as my service provide from XX/XX/2022 and now they are informing me that they will not refund the full amount, and will only backdate 6 months from the renewal date in XXXX. 

My mortgage went up by almost {$1000.00} because of the mortgage escrow mistake and Im struggling now to make my payment. 

My mortgage company hasnt made this correct or XXXX
Product: Checking or savings account

Opened a checking account with Citi for a promotion. 
When trying to log into my online account to transfer funds, I was notified that " XXXX Blocked - Error Code XXXX ''. Called the number provided. 

After being on hold for XXXX hour, I was told that my account was in restricted status and that I would receive a letter explaining why and that my funds would not be available for XXXX days. When I pressed them for more information- they hung up on me. 

I called back and was finally able to talk to someone who told me that a fraud investigation was initiated on my account due to a direct deposit FROM my employer to my Citi checking account and my account was in restricted status and there was nothing they can do to help me get my funds. 

I did not initiate a fraud claim nor was I contacted at any point to verify any transactions that triggered their fraud system. They just closed my account and told me afterwards.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a XXXX 's credit card on my account that was paid and closed on XXXX. However XXXX 's kept it open until XX/XX/XXXX to accumulate more fees despite the card to my knowledge been closed on XXXX. Now the card is showing on my credit report as a charge off on XX/XX/XXXX when this information is not accurate because the account was paid and closed on XX/XX/XXXX. I need the XXXX 's account to report the accurate closed date on my Equifax and XXXX credit report and to show as paid and closed because they where paid and closed on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

WELLS FARGO BANK Account type - Credit card Date opened - XX/XX/XXXX  Above Account created under WELLS FARGO BANK without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the removal of any erroneous accounts from my credit report. Can you examine the documents? There are inaccuracies in the listed accounts regarding reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

m suffering from identity theft and have been trying to correct it for a while. I sent over all required documents to Experian about 30 days ago. They haven't removed any of the fraudulent items I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX CO XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Took out loan for vehicle in XX/XX/XXXX. Traded vehicle in as down payment for newer vehicle in XX/XX/XXXX. Auto finance company previously reported late payments on account to all 3 credit reporting agencies at the time of vehicle trade in in XX/XX/XXXX. Auto finance company has recently added several additional late payments in XX/XX/XXXX to an account which has been closed since XX/XX/XXXX. Additional late payments are incorrect, fictitious and misappropriated and I am requesting immediate removal of this data from account history and credit reporting agency files immediately. Credit reports in XX/XX/XXXX reflected late payments reported to all 3 credit reporting agencies. In XX/XX/XXXX, auto finance company reported several additional late payments to all 3 credit reporting agencies while account has been closed due to vehicle trade in since XX/XX/XXXX. As of XX/XX/XXXX auto finance company had previously been reporting to XXXX a total of 2 late payments from XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX auto finance company has added 6 additional late payments to my XXXX  file for a total of 8 late payments in which none of the dates currently being reported were previously reported-data is inaccurate/incorrect and does not match and needs to be removed immediately due to erroneous reporting. As of XX/XX/XXXX auto finance company had previously been reporting to XXXX a total of 4 late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX auto finance company has added 5 additional late payments for a total of 9 late payments in which none of the dates currently being reported were previously reported-data is incorrect/inaccurate and does not match and needs to be removed immediately due to erroneous reporting. As of XX/XX/XXXX auto finance company had previously been reporting to XXXX  a total of 4 late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX auto finance company has added 2 additional late payments for a total of 6 late and there is also a discrepancy in dates being reported as they are not accurate based on previously reported data. Information is incorrect/inaccurate and needs to be removed immediately due to erroneous reporting. Auto finance company is also still reporting on time payments to XXXX from XX/XX/XXXX thru XX/XX/XXXX thus far while the account has been closed and paid off since XX/XX/XXXX.