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

Transunion clearly has no respect for the laws intended to protect consumer reports or Congress. I asked Transunion to update the correct date of last activity or delete the account marked XXXX XXXX on my consumer report. Transunion is still reporting a date of last activity of XXXX and claiming this was verified after it has already been determined the date of last activity was incorrect and unverifiable. XXXX has since deleted that account due to the inaccuracy and accounts on my consumer report should look exactly the same. XXXX deleting this account proves Transunion did not do a proper investigation and has harmed me by reporting an account they knew or had reason to believe was inaccurate. I have attached proof of this deletion to my complaint.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. I SEE NAME VARATIONS, ADDRESSES, AND CREDIT INQUIRIES I NEVER AUTHORIZED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Balance : {$490.00} XXXX XXXX XXXXXXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern : Since XX/XX/2021, I noticed on 3 credit bureau reports that I had multiple accounts that were charged-off accounts that were still reporting information to my credit profile. I began to send each credit bureau a letter inquiring into the overall general state of my credit profile ; they responded and stated that everything was valid. Again, I sent another investigation letter into the credit bureaus ' investigations and how they found their conclusions. I also sent a letter to each of the companies, which included XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax and XXXX by phone and by mail to dispute and have incorrect information removed from my credit reports after receiving the information directly from the companies. I have contacted Equifax and XXXX  the entire month of XX/XX/XXXX and XX/XX/XXXX by phone and U. S. postal mail. The companies also sent Equifax and XXXX letters asking them to remove the information from my credit report as well and they are refusing to do so. Both credit agencies keep telling me that they can not remove the information only the companies can. I contacted the companies and they told me that they have notified Equifax and XXXX and that they will have to remove the disputed information not them. I have mailed letters and contacted them and I am not getting anywhere. The information still remains on my credit reports and Equifax and XXXX is refusing to update my credit reports to reflect the correct information. I need assistance in this matter and the only other option I have left is to file a lawsuit against Equifax and XXXX. I need assistance and for this information to be updated ASAP. The law states that information that is disputed must be updated or removed if not both. I am looking for my credit scores to go up with Equifax and XXXX based on this information being removed from my credit reports. As of today the information is stil on my credit reports and Equifax and XXXX is refusing to remove it. I have gotten no where with calling them and paying lots of money mailing the same information to them to remove the disputed information. XXXX is the only credit agency that has updated this information without incident or problems. Once the information is removed from my credit reports I am also wanting to ensure that my credit scores do go up as well given that I've had so many problems with Equifax and XXXX. Please assist me in this matter ASAP. I am up for renewal of my security clearance and I need for this information to be updated ASAP. Thank you for your prompt attention to this matter.
Product: Debt collection

Someone else opened this account without my knowledge. 
I suspect of my Ex-wife as she has done thing like this before with other credit cards companies.
Product: Mortgage

On XX/XX/2022 I called Rushmore Loan Management Services to remove my banking information from their system. I received a letter from Rushmore on XX/XX/2022 that stated my mortgage company has been changed to XXXX XXXX XXXX. However, I was told by the representative ( I do not remember his name ) that he did not have the capability to remove my banking information I was told it was submitted to the IT Department. I then asked if I could receive some form of correspondence that shows that the issue has been raised to be resolved, I was told no, which does not make any sense. The representative told me to check back in a week when the issue should be resolved. I waited two weeks. I called Rushmore Management Systems again on XX/XX/2022 and spoke with XXXX ( XXXX ) who told me that my banking information is still there ( for some reason, whenever I told them that they are no longer my mortgage company, they keep saying yes I am ) Further, XXXX ASSURED me, that from my request again on XX/XX/2022 after my INITIAL request on XX/XX/2022 that my banking information and account with Rushmore Management Systems has been deleted. XXXX also ASSURED me that my banking account will NOT be charged. That was not true, on XX/XX/2022, a payment withdrawal from XXXX RLMS ACCOUNT in the amount of {$1300.00} was taken out of my bank account. Now, my account has been charged TWO MORTGAGE PAYMENTS. 1 from my current mortgage lender and 1 from Rushmore- the incorrect lender.
Product: Credit card or prepaid card

In XXXX of XXXX my XXXX XXXX account was hacked. I had received several bogus emails from XXXX prior to this and I suspect this is how my account was accessed, the emails stated that they closed my account on my request and I tried to answer to say no I had not lost my account. About the same time, I opened a Chase Amazon account to use for XXXX purchases. I was supposed to get a {$100.00} credit, which did not happen either. 

The first month I had this card, the first time I used this card, I received a bill via mail with eight large charges on it totaling around {$2500.00}. In the three decades Ive been a customer of XXXX I have never made this size of charges in one month. I was not able to find a telephone number for customer service at XXXX so I went to the chat line, the woman I spoke with assured me they were not my orders and said they would clear the matter up. Next day I contacted Chase to tell them what happened and said XXXX would be contacting them to settle with their financial department for XXXX. 

I worked with people from XXXX to go through the account. We listed which items I had purchased separate from the large charges and I paid for everything I had ordered and received, this was don via email. The bogus charges were never ordered by me, indeed, I never saw what the merchandise was, only a long list of numbers appeared on the statement. XXXX said the matter was settled and they informed Chase to remove the fraudulent charges. I had already been locked out of my XXXX account. I asked Chase to close the credit card account and not open a new onethey disregarded my instructions and sent a second card. 

A few months later I began to be billed again by Chase via email for all the fraudulent charges. I have talked to them many times, spent hours of my own time, been cutoff, put on hold for so much time that the call drops. I called XXXX once more and spoke to a person who actually apologized for the treatment I had received ( I really thought he would help ). Again, The person reiterated that the purchases were not mine. He said papers had not been filled out and would be taken care of it. Nothing. 

Yesterday I went into a local Chase and they say I did make the purchases because the hackers have my name and address, which I would imagine happens when an account is hacked, I asked whose computer the orders came from, and was told Chase has their own way of checking fraud claims. These charges still are not mineI did not order them, I did not receive them, whatever they are ( on one call the woman asked did I order mens leather pants? ). I see that my credit rating has dropped, but I will not pay for goods that I did not buy. I have been told over and over that someone would get in touch in two days, or one week, it never happens. This has been going on since XXXX! I would think both companies would take their security more seriously but perhaps they are so big they dont care. 

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

Per Mohela document dated XX/XX/23 from I have credit for XXXX payments via PSLF ( Public Service Loan Forgiveness Program ).

My credit report is not reflecting the payments being reported. The creditreport is still showing a balance of {$8100.00} and per the same attached letter from Mohela my principal balance is {$7900.00}.

Deducting XXXX monthly payments at {$80.00} per month as shown in the attached document from the {$8100.00} on my credit report my balance should show $ XXXXIf we usetheprincipal balance applying the PSLF payments I should a balance of {$3800.00} ( $ XXXX $ XXXX {$3800.00} ).
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 XXXX : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

I had to check that one option because my complaint was not listed. On XX/XX/2019 I applied for a credit card with XXXX XXXX I agreed to pull my credit report but they pulled it twice on the same day which put 2 inquiries on my transunion credit report instead of 1. I tried contacting XXXX and was told I need to contact the credit reporting agencies. I tried to explain to transunion and was told I need to contact XXXX. I am submitting this complaint because having an extra inquiry on my credit report affects my credit score.
Product: Debt collection

Equifax have not removed this fraud off of my fraud its been on for over XXXX  years, I've reached out multiple times demanding this charge off of XXXX  years be removed. XXXX XXXX keep changing dates so it can stay on my credit. The account is fraud I never received XXXX from this company. Plus help me get this account deleted off and stay off. XXXX XXXX is also on equifax as a collect. I've etched out to this company requesting a signed agreement, I've never heard of this company or agreed to any agreements this account is fraud. I've spoken to equifax about this as well as XXXX XXXX XXXX they both are breaking the law with having this fraud on my repot. Please help,
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a XXXX account in my name & I have been trying to get the Fraudulent XXXX Account off of my credit report since XXXX. This charge off/collections account dropped my credit score over XXXX points. I contacted all credit report agencies to delete this unverified account that belong to an address I do not reside and only Experian has updated it. Experian removed the XXXX account on XXXX XXXX, 2022. I would like compensation for the drastic drop in my credit score and the important applications I was denied during the process because I reported this account multiple times along with an FTC report and they never updated it until XXXX. XXXX XXXX XXXX has yet to update this for me. I need this fraudulent XXXX account removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. There has been a payment in XXXX  XXXX XXXX loan balance of approximately {$3600.00}. This decreased in balance and payments not reported by Trans Union, XXXX, and XXXX as a violation of Federal Truth In credit reporting act and FTC law. Led to inaccurate reporting with decreased in scores. 

2. All XXXX hard credit reporting by the XXXX bureaus be remove due to misrepresentation and Badfaith with malice intend. Was never told about hard inquiries and negative impact on my credit scores which have led to decreased. Violation of Federal Truth in credit reporting act and without full disclosures under FTC law. 

3. XXXX XXXX XXXX XXXX XXXX and XXXX credit cards all paid in full without any balances. Incorrectly report with carrying balances. Violation of Federal Truth In billing disclosure act and FTC law. 

4. XXXX XXXX balance paid in full with no balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the remaining fraudulent inquiries that were currently appearing on my credit report. Despite numerous deletetions that occured because of my previous attempts to have these errors corrected, these remaining inquiries continue to negatively impact my credit scores and financial standing. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information, and I expect that my rights will be respected. I have already made repeated attempts to have these inquiries removed over the past few months, but they still remain on my credit file. I respectfully request that the following inquiries be immediately removed from my Experian and XXXX credit reports : EXPERIAN : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I deposited a $ XXXX check that was issued from the State of California on XX/XX/15. I always deposit my checks via the ATM and this was no different. I also deposited a workers comp settlement check for $ XXXX about a month prior with no issues or holds. I requested an email receipt which did not state anything about an excessive hold. A couple of days go by and I notice that they have not made any of the $ XXXX state check available to me. I contact the bank and they gave me reasons that don't make sense as I've never had any type of hold on any checks before. I told them this was a state check and funds will be there with no issues with it clearing. I also provided proof that this payment is legit and belongs to me. Proof from the state of California regarding approval for the $ XXXX workers comp voucher return to work fund as well as a copy of the check stub with the State of California information on it. That did not matter. Now my funds are on hold for almost 14 days. 12 days after I deposited them. They will not release funds from a STATE ISSUED CHECK until XX/XX/XXXX! This money is to help people who have been injured on the job to compensate for loss income. And US Bank wants to HOLD this money from me. I needed the money to help move. Unreal.
Product: Credit reporting or other personal consumer reports

Thank you for assisting in removing some erroneous credit report entries from my file. However, a few items still need your attention. This is my second CFPB complaint regarding incorrect credit reporting, and I dispute these inquiries in my file resulting from this issue. The inquiries I am disputing do not relate to any transactions for goods, services, or money that I have made or authorized. Please remove these inquiries from my credit file : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are unknown to me. Additionally, the information you provided on these inquiries was deleted by other bureaus, and I doubt their accuracy and the reported history dates. As per Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within 4 business days, given ( 1 ) appropriate proof of my identity, ( 2 ) a copy of an identity theft report, ( 3 ) identification of such information by me, and ( 4 ) my statement that the information does not relate to any transaction by me.
Product: Credit card or prepaid card

Kohl 's tried to scam me several times. I had set up for auto-pay for my Kohs Card . On XX/XX/XXXX, I get a notification from XXXX that a negative reporting was done from Kohl 's. I call customer service, and I was informed that my auto-pay was never processed. Kohl 's did not send me a warning letter, or called me, or sent me an email for the late payment prior reporting my account. The person on the phone said that charges were reversed and that credit reporting was going to be reversed. I checked my credit report on XX/XX/XXXX, and no changes were made. I call customer service again and asked why the changes were not made and asked about the auto-pay again. I had done the auto-pay online again. I was informed that the last representative was supposed to mail me a new card and that auto-pay was not processed again. This representative said that he would mail me a new card and auto-pay would be all set for the next bill. I gave the rep. the benefit of the doubt On XX/XX/XXXX, I receive another notification from XXXX of another negative credit reporting from Kohl 's. I called them right away. XXXX, id : XXXX, answered and I explained that auto-pay was not processed again and that Kohl 's did not send me a warning letter, or called me, or sent me an email for the late payment prior reporting my account. She assured me that late charge fee and reverse of negative reporting would be taken care. I asked her that I needed confirmation in writing that was being done. She could not send me an email saying that is against Federal Law and not able to say what Federal Law. I asked to speak with a supervisor, she put me on hold for 30 minutes and then hung up on me. I called again and spoke with XXXX, id : XXXX, for over 45 minutes. He informed me XXXX had not done anything. He tried to reverse the late charges and put a note but he couldn't either send confirmation in writing. He then transferred me to XXXX, id : XXXX, to whom I spoke over 30 minutes, she created a ticket # but could not either provide a writing confirmation either. She said they were not allowed to do that. How come a customer can not get assurance of what is being said? I asked for recording of all the calls and she still saying they were not allowed to do that. Are they allowed to misrepresent and lie to customers? I need all the negative credit reporting be reversed and an apology letter from Kohl 's for the stress caused from their unprofessionalism and their scam. These false negative reporting caused my credit report to go down by over 70 points. I need these points to be reversed to my credit score too. If I did not have the XXXX XXXX, I would not have known. Imagine to how many other customers they have done the same?
Product: Credit reporting or other personal consumer reports

You checking my Experian report I keep seeing XXXX  accounts on my Experian credit report that belong to someone With with a similar name I have submitted multiple identity and police reports ALL XXXX  ACCOUNTS