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

transunion can you knock off XXXX of these hard inquirys XXXX XXXX Bank ) XX/XX/XXXX XXXXXXXX XXXX  XXXX Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( XXXX XXXX XXXXXXXX ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX heres 6 i have no knowledge of and didnt make check into them and delete those that merit it thanks
Product: Debt collection

Some company by the name CREDENCE RESOURCE MANAGE who was previously positing on my account as XXXX XXXX put a collections from XXXX XXXX I have never had an communication with the company in writing or on the phone. I have never received any notifications of collection0s or debt or right to dispute. They are selling my information to multiple companies and placing collections repetitively on my credit report every few months that I am constantly disputing. I also do not owe anything to XXXX XXXX. I have had another cable in my for years I have had T-Mobile as cell company for over 5 years and I do not have a home phone. I want this removed from my credit. I have never heard of this company or received any bills from XXXX XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit information. You have damaged my credit report on 2 occasions. I am not sure how this company obtained 2 items to report on my credit report but I want it removed immediately. I disputed it with XXXX who did absolutely nothing and I will be reporting them as well. As I do not know how you can complete an investigation in days. I have also reported the company to the NJ Consumer Affairs and XXXX
Product: Debt collection

These accounts are incorrectly being reported and I demand that they be removed from my credit report or updated to reflect a balance of { {$0.00} }. I have reached out to the creditors regarding the validity of these debts, but they have not provided any proof of the charge off. While I am looking over my credit report, I have noticed that these accounts are not being reported accurately, and I believe that they are inaccurate, erroneous, incomplete, or unverifiable. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is worth noting that other bureaus have already removed these accounts from their records after I disputed them. There was an error present, and they were able to find it. I am confused by the fact that you have verified these accounts while the other bureaus have already removed them from their records. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ).
Product: Debt collection

Needs to lower interest rates accrued on account and settle a payment plan.
Product: Debt collection

I have asked this company to STOP calling me, they call from spoof numbers, and many many other numbers, I have over 500 numbers blocked, They stop calling me.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX. XXXX - XXXX
Product: Debt collection

I Used to have XXXX XXXX and was a client for over 15 years and had gotten a replacement sent and I sent back broken item was told 4 months later that they received box with no phone I went back and forth with them and told them that made no sense that they should track phone they told me they could not help so I told them would leave as they did not help so I cancel services and they kept a line open another issue I sent back the XXXX I had just purchased and told them mail me out final bill so I can pay months later they send bill and added both phones know they said they never received XXXX XXXX back again I had tracking info but they would not budge back.Well this pass XXXX I received a job offer after months I took over they had to do a credit check and come to know a company had put me in collections without my knowledge never received letter to calls letting me know I try to reach out and left messages and no response company name was SOUTHWEST CREDIT SYSTEMS I have the phones tracking numbers I have never had a collections account and pay all my bills
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX
Product: Checking or savings account

I am a XXXX year-old retired woman who banks at Bank of America. The only source of income is my monthly social security check. On XX/XX/XXXX at XXXX XXXX, I received a Bank alert informing me that my checking account balance was at {$0.00}. I was surprised and worried and immediately called the bank to get more information. I could not get in touch with the appropriate team ( it was after hours ) and tried again the next morning, XX/XX/XXXX at XXXX XXXX PT. 
The agent informed me there was a legal action against me and provided a number to contact that did not work. I repeatedly told the agent that any money in my account was sourced from my social security check and that that money should not be included/touched by legal actions. The agent was rude, uninterested in helping me. Because English is not my first language, I asked my daughter to help me sort this issue. We both called on XX/XX/XXXX, after a couple of transfers we reached the Legal Order Processing team. The agent was rude, but through several calls gave us a number to call. I asked the agent to transfer me to a supervisor as I was not sure the proper actions were taken to secure my money. I repeatedly shared that the money taken was directly deposited by a government agency as part of my social security and not to be part of any settlement. I expressed my desire to file a complaint. She told me my call did not qualify as a complaint as the bank had followed the right process. I asked again my desire to escalate the call and to formally complain and she responded that there were no supervisors available. I asked for her name and operator ID. She shared her name ( XXXX ),  but refused to provider her ID or department name. She stopped talking to us even after repeated requests and eventually hanged up on us. After several hours the money withdrawn was placed back in both my checking and savings account without an explanation or call. I believe the bank did not follow the right process
Product: Student loan

I am a federal employee who is eligible to use XXXX. In XXXX, my loans were placed in forebearance due to legislation with the XXXX plan. I decided that I wanted to change my repayment plan in XXXX and submitted the request on XX/XX/year>. As far as I can see, there has been no action by Mohela to change my plan. Meanwhile, I sit in forebearance and only have 13 payments to make until my loans are eligible to be forgiven. I have now lost 2 months waiting on Mohela to act. This continues to push my eligibility back. 
Additionally, today when I tried to call and speak with someone at mohela, I got stuck in a loop and couldn't even join a que in any of the phone tree options. It seemed like regardless of the option I chose, the result was that I should sit and wait. For how much longer?
Product: Mortgage

XXXX XXXX XXXX, tried to refinance my home without my knowledge and without my authorization. He said XXXX XXXX said I agreed to that. They came out and did an appraisal on the home without my authorization. XXXX XXXX used a card that was removed from her, and cancelled to charge the {$520.00} fee. I informed XXXX XXXX that XXXX XXXX and I are getting a divorced and that she has no authorization to use cards that are solely issued to me and only me and that they need to remove the charge and go through her to get the payment as I would not like to be charged for some service I did not want. He also told me I needed to take my home of the market during the hottest spring season to date. I said I will not as we have many buyers looking to purchase this home. I have a transcript of XXXX XXXX telling his underwriters to remove me from the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it concerns : In accordance with the Fair Credit Reporting act XXXX  Account # XXXX dated XX/XX/XXXX Account # XXXX dated XX/XX/XXXX Amount {$31000.00} Account # XXXX dated XX/XX/XXXX Amount {$4000.00} Account # XXXX dated XX/XX/XXXX Amount {$220.00} Account # XXXX dated XX/XX/XXXX Amount {$150.00} Inquiry from : XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX have violated my right. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy. Also 15 U.S.C 1681 section 604 A. section 2 Also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX Has been sending me collection notices in the amount of {$100.00}. 
The collection has been reported as a past due balance. I do not know this company, I have never done any business with the company. I do not recognize this debt. 
This company does not have any contract with my signature
Product: Checking or savings account

Attempted to close USAA Federal Savings Bank XXXX account on XXXX, XXXX XXXX and XXXX, XXXX XXXX XXXX. Both times USAA refused unless I allowed it to send a coded text to a cell phone. I do not take such texts. USAA refuses to close the account no matter how much it verifies my identity. After hanging up the phone today, USAA then changed the security codes on my account, making it very difficult to log in to the account as retaliation, and removed the ability to log on with a pin, which I had up until that phone call ended.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank put a fraudulent credit inquire on my credit bureau. This is not mine. I did not inquire about credit with them
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud in their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolutipn process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and major financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation sent the police report and idtheft gov inaccurate information on my credit costing me my life and consumer XXXX of dollars XXXX breach has caused all this
Product: Debt collection

Dont understand why I have this collection on my credit. False amounts being said that I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Blessings, I've contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would be making a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to please help me remove it since my credit dropped because of all these inquiries that do not belong to me. 
XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXXXXXX XXXX Inquired on XX/XX/2021
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payment Reporting on my Account Dear Sir or Madam, I am writing to formally dispute the inclusion of late payments on my credit report Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., I request an immediate correction and removal of any such inaccurate or unfairly reported late payments.

Under 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ), a " consumer report '' excludes any report containing information solely related to transactions or experiences between the consumer and the entity making the report. As such, late payments that do not impact creditworthiness beyond the direct relationship between Marcus and Goldman Sachs and myself should not be reported to consumer reporting agencies as adverse credit events.

Furthermore, under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of credit information must not report information that they know or have reasonable cause to believe is inaccurate. If the reported late payments resulted from extenuating circumstances, billing errors, or delays beyond my control, their inclusion on my credit report would constitute a violation of this provision. 
Additionally, the FCRA grants consumers the right to dispute the completeness and accuracy of any item in their file. Per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, a credit information furnisher must conduct a reasonable investigation and delete or correct any information found to be inaccurate or unverifiable.

Given these legal protections, I formally request that this company review this matter and remove any late payment not in compliance with the above provisions. Please provide written confirmation of the actions taken within 30 days, as required under FCRA. 
Should you require any further documentation or clarification, please let me know at your earliest convenience. I appreciate your prompt attention to this matter. I have attached a copy of the law, which says that the alleged late payment ( XXXX ) should not be reported on my credit report. I ask you kindly to abide by the law and update my account to be paid as agreed. Failure to do so will result in me taking legal action against your company. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that trafficking. 


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

Im hoping someone can help me with complaint because I have had several issues with the equifax, XXXX, and XXXX. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 30 days and i have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.
Product: Money transfer, virtual currency, or money service

I initiated an international money transfer of {$680.00} on XX/XX/year> to XXXX for the equivalent amount to be deposited in a bank account. As of XX/XX/year>, the money has not been deposited. This transaction usually concludes within minutes. I have called and emailed XXXX multiple times and all theyve told me was that there was a glitch on the date the transaction occurred. It has been 11 days. They initially sent an email indicating the money would be deposited on XX/XX/year>. Till date, they have not been able to tell me when or how this issue will be resolved. 

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX MI XXXX Phone Number ( XXXX ) XXXX in accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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
Product: Checking or savings account

Was notified by mail by Chase that my account would be closed due to fraudulent activity, although all I had done with the account is open it online, changed my direct deposit info to this account, and deposited a rebate check for {$7.00}, I phoned in attempt to rectify the situation, but on day 1 I was placed on hold twice for 50+ minutes, and was eventually hung up on. Day 2 more of the same, on day 3 I was actually able to speak with someone in the " fraud bureau '' who released the hold on the account, so that I could close it as I have no intention of continuing to do business with Chase, however I had to be transferred to another dept. to close the account, now I'm dealing with someone whose English is horrible, she tells me she has to verify who I am by answering 3 questions first was which company I had history with ( I think ) I never heard of any of these companies, 2nd was Liscense plate registered to me, I have no vehicles registered to me, them I was told I didn't answer the questions right and couldn't close the account, so I guess they keep the {$7.00}, Chase is impossible to deal with on many levels
Product: Credit reporting or other personal consumer reports

THE LAST TIME I CHECKED MY CREDIT REPORT THERE WERE NO INACCURACIES BUT NOW THAT I CHECKED MY CREDIT REPORT THIS MORNING, THEY WERE THERE. PLEASE CHECK THE DOCUMENTS I'VE SENT REGARDING THIS MATTER.
Product: Vehicle loan or lease

The car was totaled in an accident and the insurance company was to pay this off and it is still reporting on my credit. No one has responded to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report. This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks and one ( 1 ) 60 days late remark which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

How corrupt can XXXX  be, I have told them about the error on one of the accounts on my credit report and they sent me a document telling me that the creditor verified the account. The XXXX XXXX account with account number XXXX is being reported wrong and I have told them this, XXXX is not willing to fix the error but they wont delete the account either, the open date on this account is different from what Experian  and XXXX  are reporting, how can this be happening if this is the same account and the same creditor. According to the FCRA, errors on my credit report must be deleted or corrected, I have never said that this account isnt mine, but I did tell XXXX to investigate because the open date on this account is wrong.
Product: Credit reporting or other personal consumer reports

Ive noticed several companies have pulled my credit report and submitted applications in my name that I never authorized. These inquiries are completely fraudulent, and I have no idea where they came from. I contacted Experian, and they assured me that these would be removed from my report, yet theyre still there.
Product: Vehicle loan or lease

On XX/XX/2023 I extended credit to XXXX XXXX ( XXXX XXXX XXXX ) 15usc1602 who then sent my private information to Ally bank who then use my information to run my credit without my permission & XXXX who denied me based on false allegations 15usc 1611 also 18 usc1951 I believe ally bank knowingly and willingly committed fraud because when I called they said no had no record and couldnt pull anything up with my name and social but yet I received a letter today
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 Date Opened : XX/XX/year> Balance Owed : {$3800.00} Charged off XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$3900.00} Late/Closed XXXX XXXX  XXXX Date Opened : XX/XX/year> Balance Owed : {$29000.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$4900.00} Charged off XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/year> Balance Owed : {$370.00} Collection XXXX  XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$4900.00} Late/Open XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$1000.00} Late/Open XXXX  XXXX Date Opened : XX/XX/year> Balance Owed : {$29000.00} Late/Open Inquiries in Dispute : XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I XXXX XXXX is filing a CFPB complaint to request that the credit reporting agencies XXXX, XXXX, and Equifax block and delete fraudulent information from their consumer credit reports under FCRA 605B ( 15 U.S.C. 1681c-2 ). The fraudulent items in question are : A home service account opened at XXXX on XX/XX/XXXX. 
A collection account from XXXX opened on XX/XX/XXXX, with a balance of {$670.00}, which appears related to the XXXX account. 
XXXX does not recognize the above accounts or collections, stating they were not opened or initiated by them and are the result of identity theft and fraud. To support this claim, XXXX has attached a copy of the FTC Identity Theft Criminal Complaint ( Case # XXXX ).