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

TO WHOM IT XXXX CONCERN I recently received a copy of my XXXX report, and I noticed some incorrect information reporting on my credit report. 

Your company is in clear violation of the law. Under 15 USC 1681b- Permissible Purpose of consumer reports. THE LAW CLEARLY STATES : ( A ) In general Subject to subjection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - Subject to section 1681s-3 of this title, any- ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Failure to respond satisfactory with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which i will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance- s616 Civil liability for willful noncompliance [ 15 USC S1681n ]. Please delete the following accounts. XXXX XXXX Bank bal. {$740.00}, XXXX XXXX Bank XXXX {$360.00}, XXXX XXXX bal. {$8100.00}, XXXX XXXX Bank XXXX. {$0.00} XXXX XXXX Bank XXXX. {$0.00} XXXX XXXX XXXX XXXX. {$1000.00}, XXXX XXXX XXXX bal. {$180.00}, XXXX XXXX bal. {$120.00}, XXXX XXXX OF XXXX XXXX. {$2400.00} XXXX XXXX XXXX XXXX XXXX. {$5100.00}, XXXX XXXX XXXX. {$3100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is non authorized inquiry on my credit report, I did not request an extension of credit from any company that reports to Equifax. 
I did not give permission for this false inquiry to be reported onto my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to my previous complaint about the fraudulent accounts in my file that needs to be deleted. 

I want the following accounts to be deleted ASAP : XXXX XXXXXXXX XXXX Balance : {$370.00} XXXX  XXXX XXXX XXXX : {$390.00} XXXX  XXXX Balance : {$11000.00}
Product: Credit card

On XX/XX/XXXX I was alerted to charges on my credit card that i did not make. While on the phone with the bank, we discussed what was stolen and what wasn't. I had over XXXX $ in charges to my own bank from my own bank. 

They have since reimbursed me for the smaller charges but have continually closed out the fraud case for the XXXX XXXX 

When I call to try and resolve it, they transfer me back and forth between credit, debit, and rewards ( all different departments who can't seem to help ) with a transaction that was to the bank from the bank. 

It's only been 30 days but XXXX $ is a large sum for my balance and I have no ability to check on the case. Only notified that it keeps getting closed. 

This is also the only instance of fraud I have ever had in the XXXX years at the bank.
Product: Checking or savings account

I opened Citi Accelerate saving account on XXXX XXXX full funded by a 2 transactions of XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX total is XXXX. 
by XX/XX/XXXX i noticed that i can't login to my citi bank, almost after over 14 hours in 2-3 days calls i was finally able to resolve login issues as i found a fraud has happened to my account and a transactions has been charged to my saving account from an ATM while i didn't even received the card yet! 
transactions as below : Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ total of {$1200.00} dealing with Citi support was a nightmare opened multiple cases they keep denying its a fraud and they don't even provide any evidence! 

case # XXXX Case # XXXX i believe ATM 's have cameras on it and as an owner of the money why i need to pull it this way! 
its clearly fraud please help!
Product: Checking or savings account

On XX/XX/XXXX I contacted discover to close two CDs due to financial hardship I am experiencing. A family member had unexpected medical issues and is now under my care. Discover is refusing to close the CDs so that my financial situation is not further exacerbated by this situation of now having someone new to care for. They claim on the website that they offer financial hardship services and that if opened within 10 days the funds can be removed. Calling the representatives they are completely against helping in any way. If I am unable to access the XXXX, I run the risk of my external accounts further going into overdraft, with additional overdraft fees, as well as falling behind on my rent and other bills.
Product: Debt or credit management

XX/XX/year> I received a letter from credit management company saying amount due {$940.00} Offer amount {$660.00} with no account number. 
I told them that is not mine I asked for purchase agreement and they just hung up on me.
Product: Debt collection

I switched carriers for my cell phone in the last month of my contract. The plan was supposed to pay down the penalty every month for early termination. I was only to pay {$50.00} if anything, {$10.00} per line plus my balance which was approx {$350.00}. I got my bill showing an {$800.00} balance and when I called to talk with someone at XXXX XXXX XXXX they hung up on me numerous times while transferring me and then told me my plan had changed but could n't give me specifics. Now my credit report is reflecting XXXX XXXX accts for the same amount and XXXX for XXXX wireless which is the same acct. how do I get this resolved? It shows I owe over {$2500.00} for an {$800.00} balance because XXXX separate reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the XXXX XXXX XXXX account on my credit as it should be marked " included in bankruptcy '' Equifax as well as XXXX XXXX XXXX claim they investigated and that the information reported is accurate. This is blatantly false. I filed Chapter XXXX on XX/XX/2018,  which shows in my public records section. 

They also added a random address on there that is MORE than SIX years old from XXXX XXXX. I want that removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX wrote off a collection amount of {$220.00} claiming I opened an account with them on XX/XX/2022 and closed it on XX/XX/2022. I had no knowledge any of this even existed. It was written off about XX/XX/2022. I asked Transunion and XXXX to research it and remove it. After presuming my name, SSN, and DOB were sufficient information on the account opened online, they both decided it was still my account. It was opened for an apartment XXXX hours drive from my house. I did not open it because I did not need electricity for a residence I do not rent XXXX hours away. The phone number on the account has a XXXX XXXX area code, which I have never been to. The email address is actually the perp 's name and his birth year!! The criminal was born and still lives in the city in question. I have NEVER resided there. I have been basically ignored by both XXXX and Transunion!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name XXXX XXXX XXXX XXXX  Date opened XX/XX/2016 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such a statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit card or prepaid card

I did apply for the card but never finalized that I wanted because it was only for {$300.00} and they take {$80.00} of that for fees etc so I didn't want it and never confirmed that I wanted the credit card ... I don't even have the card in my possession...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XXXX XXXX, 2022, XXXX XXXX, 2022, XXXX XXXX, 2022, XXXX XXXX, 2022, XXXX XXXX, 2022, XXXX XXXX, 2022, XXXX XXXX, 2022, XXXX XXXX, 2022.
Product: Debt collection

I had an arrangement with fundo, LLC. On the second payment they also attempted to take extra " fees '' from my checking account. At this point I revoked ACH authorization and requested a written statement so that I may pay the outstanding balance and was informed that goes against their companies practices. I then informed them I would not be paying without receiving the statement and I would only be paying by money order or certified check and they again refused and sent it over to a law firm to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I filed a dispute for a collection I noticed on my credit report. The estimated date for completion of that dispute was XX/XX/2019 and as of this day, XX/XX/2019, I still have not heard anything or received any results. I would like this negative listing taken off my credit report.
Product: Debt collection

I do not owe anyone for any rent. I have always paid and fulfilled all rental agreements. I have requeste4d proof of debt that I owe to thier company specifically, or that I have rent owed to them specifically. NO response. I have never rented from any one named rent recovery. I am a home owner, not a renter. 

RENTRECOVERYSOLUTIONS Account XXXX
Product: Mortgage

in order to renew my home insurance, my insurance provider sent me a quotation to high for about XXXX I said " NO '', I contacted another insurance providers, They requested some inspections etc... ( I had to repair my roof etc ) and all this process took 2 months after my insurance expired. finally I got a premium for XXXX ( I don't have escrow account with rocket mortgage ). Due I di n't have insurance for two months rocket mortgage is charging a fee for XXXX Because they quoted a premium for around XXXX usd. and this is the problem. For me this is an abuse from Rocket Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agency keep selling a stolen identity account to each other and after I deleted from my three reports, Experien don't wan na take it off after I filled the necessary police report, the XXXX  and XXXX  took it off but the shady Experien doesn't wan na remove it, please help it's like A mafia thing I have been trying for three years to remove it but, they refused..
Product: Credit reporting or other personal consumer reports

The debt is with XXXX XXXX. The debt is not mine. It is of my ex husband. I am tired. I let the debt stay. The debt is in a charge off status and XXXX XXXX has provided me with a letter stating that the status of the loan is in charge of status since XXXX 0f 2018. Equifax and XXXX stated that even though I provided the letter that came from XXXX XXXX  stating that the loan is written off, they will not place the correct status of the loan as written off. Both Equifax and XXXX states that it is not their job to correct the fact that XXXX XXXX  is reporting this wrong to their credit bureaus. XXXX has decided to remove it as they refuse to report incorrect information. I cant make the credit bureaus validate the information so i sent a packet of 14 pages advising them of my rights to have actual and factual credit reporting. they said if XXXX XXXX keeps reporting it to them they will keep reporting it incorrectly. I have been made fun of, spoken to rudely because i simply want Equifax, XXXX and XXXX XXXX  to report that its charges off as stated in the letter XXXX XXXX sent to me. While I will be addressing this later in a lawsuit against all listed. This is causing to my detriment a stop in me getting a mortgage. Please help me at ; least get the fact that this loan is charged off. I have been going at this for months. I need a speedy response with this as i may stay homeless a little longer.
Product: Debt collection

THIS COMPANY SAYS I OWE A DEBT FOR THE AMBULANCE COMING TO XXXX XXXX XXXX. I WAS INJURED ON SCHOOL PROPERTY DURING SCHOOL HOURS PARTICEPATING IN SCHOOL ACTIVITIES. THE AMBULANCE WAS NEVER CONTACTED BY ME BUT THEY MADE ME SIGN MY NAME AND THEY BILLED ME, IN FACT I WAS STILL A MINOR AT THE TIME
Product: Checking or savings account

I deposited a two party checks 6 total in the amount of XXXX. I had {$920.00} in the bank Pryor to that deposit. so they suspended my 2 Checking Accounts and savings account because they could not verify the checks that was deposited XXXX. and said would close my accounts because they could not verify the checks. and that's fine. but the {$920.00} that i had in the prayer to the deposit they said they would give me {$500.00} and will not give me the {$420.00} that i had left in the bank and my ss that is on auto deposit on the 3rd of every month will be sent back to SS and will cause a hardship and they stated when the account is closed it could take years to recover the money in the bank I'm a 100 % XXXX Veteran and the deposited will be sent back to the maker of the check and that could take up to 4 years
Product: Credit card

Caller ifs himself as a Chase employee. He said someone had applied for a card inNC. Had the last 4 of my social and tried to get more info. I have not applied for a chase card, and have not been in NC. He was fishing XX/XX/year>. XXXX caller id XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to a Charge-Off, Written-Off Amount, and Balance Amount appearing on my personal credit report for XXXX BANK XXXX XXXX XXXX I recently received notice in a letter dated XX/XX/XXXX, from XXXX XXXX XXXX that a FORM OF ASSIGNMENT AND BILL OF SALE closing date occurred on XX/XX/XXXX. Which also acknowledged in the FORM OF ASSIGNMENT AND BILL OF SALE that the closing date for Pools shall be on or about XX/XX/XXXX. 

XXXX BANK XXXX XXXX continues to update and modify the Charge-Off, Written-Off Amount, and Balance Amount in violation of 15 U.S.C. 1681g. XXXX BANK XXXX XXXX continues to report a Charge-off, Written-Off Amount, and Balance Amount at the same time that would be inaccurate, false, and incorrect. While at the same time, XXXX XXXX XXXX alleges to be the owner of a FORM OF ASSIGNMENT AND BILL OF SALE closing date that occurred on XX/XX/XXXX. Yet, XXXX XXXX XXXX failed to validate how debt is owed by me to XXXX BANK XXXX XXXX in a contractual agreement that expressly identifies my full social security number and accurate signature. XXXX XXXX XXXX fails to validate the specific form of assignment that carries the contractual agreement with it. 

I dispute that XXXX BANK XXXX XXXX is my original creditor and that XXXX BANK XXXX XXXX is my creditor past or present. I further dispute that XXXX XXXX XXXX is my creditor or current creditor and dispute that XXXX XXXX XXXX holds enforceable security interest to collect on a debt in their name as my creditor. XXXX XXXX XXXX is not my creditor and should be removed from my credit report as my creditor. 
XXXX XXXX XXXX failed to timely validate the debt that is alleged to be owed to XXXX BANK XXXX XXXX. XXXX XXXX XXXX has no right to collect any debt for this account from XXXX BANK XXXX XXXX that was transferred or sold. XXXX BANK XXXX XXXX through admission from XXXX XXXX XXXX of a FORM OF ASSIGNMENT AND BILL OF SALE has no right to report any such Balance Amount on my personal credit report. The Charge-off, Written-Off Amount, and Balance Amount are incorrect, inaccurate, and false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. On XXXX XXXX, 2017 some body used my SSN and open a credit card with First National Bank. Some time in XXXX I received a billing statement for a balance of {$7100.00}. I contact First National Bank and explain what happen. I spoke with the vice president XXXX and explained it to him and XXXX XXXX said I am not liable for this account. I followed up with the bank today XXXX XXXX, XXXX and I spoke with XXXX in the fraud department and I asked him about this credit card and he said there is still a balance on the account. I explained it to XXXX, I did not open this credit card and he said will investigate on it.
Product: Credit reporting or other personal consumer reports

This is to follow up regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my multiple efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. I first noticed the late open accounts and since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. I am formally requesting the following actions to be taken promptly : XXXX correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. If my concerns are not addressed within the specified timeframe from the date of this letter, I XXXX have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities. I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your help to correct these late open accounts in my credit file XXXX XXXX XXXX XXXX XXXX : {$19000.00} ; XXXX XXXX XXXX XXXX  : {$17000.00} ; XXXX XXXX XXXX XXXX : {$14000.00} ; XXXX XXXX XXXX XXXXXXXX : {$11000.00} ; XXXX XXXX XXXXXXXX XXXX : {$4100.00} ; XXXX XXXX XXXX XXXXXXXX : {$13000.00} ; XXXX XXXX XXXXXXXX XXXX : {$4200.00} ; XXXX XXXX XXXXXXXX XXXX : {$4000.00} ; XXXX XXXX XXXX XXXX : {$3800.00}.
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. 
XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) XXXXept. of ED/XXXX  - XXXX XXXX ) Dept. of EDXXXX - XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of ED/XXXX  -Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) XXXX  - Acct # XXXX XXXX ) XXXX  - Acct # XXXX XXXX ) XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXXXXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 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 reporting 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

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX