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

I looked at my report back on XXXX XXXX, and noticed some things are incomplete and not accurate on my transUnion credit report. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These accounts XX/XX/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 XXXXXXXX And one more thing according to 15 use 1681s-2 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.

Check the attachments below
Product: Credit reporting or other personal consumer reports

I have been disputing this account for years as identity theft. With no help from credit companies this issues hasnt been fixed. I have never made any payments to this company and the information they are reporting doesnt even make sense. Its says Ive paid 0 % of the debt and monthly payments are {$0.00}, but my chart says I made 3 payments. If Experian had did a complete investigation, they would see that this account is fraudulent. I have attached what my account reads after the dispute was completed. The account use to say XXXX XXXX and now say XXXX, but the debt company contacting me pretending to be lawyers and get me to pay XXXX over the phone is from another company. I cant help but to think something fraudulent is going on with the company. FTC report is also submitted in previous complaint and with dispute. 
Report # XXXX
Product: Debt collection

On XX/XX/year>, I was enrolled with Starmark Financial without my knowledge or consent. I was never provided with a notice or explanation regarding this enrollment. 

Throughout the past year, I have received multiple calls from various phone numbers with different area codes, primarily from New York. These calls were persistent and unsolicited. I can provide phone records as evidence if needed. 

On XX/XX/year>, Starmark Financial collected {$100.00} from me without a clear validation of the debt. I have not received any documentation outlining what this payment is for or the terms of the alleged debt. 

Actions Taken : I have not received any written validation of the debt or an explanation for the charges. 
I have attempted to verify the legitimacy of this debt as of XX/XX/year> XXXX
Product: Credit reporting

For the past eight years I have been incarcerated. Just prior to my release the institution had us to check our credit reports. Upon doing so I discovered that there many accounts I could not have opened because I was incarcerated at the time. I sent off letters to the XXXX agencies and I have had a very hard time getting my reports. Experian refuses to give me a a report because they say they cant confirm my address. On XXXX occasions I have faxed them my bank statements both of which have my address. I also sent them a notarized affidavit signed by a prison official attesting to the fact that the address I gave them would be my release address and that there was no way I could have procured the credit because I was incarcerated. Experian and XXXX give me test questions to verify my identity however the questions they ask are based on the fraud items which are on my account hence I do n't know the answers. Furthermore it is my understanding that if XXXX credit bureau deletes an item they are supposed to notify the other XXXX bureaus so they too can remove the item this has not happened. On XXXX XXXX I spent the ENTIRE day on the phone with Experian and XXXX trying to get them to release a block that I asked them to put on. In the case of Experian once again they asked for documents to be faxed and once again I sent the bank statements, affidavits, birth certificate and social security card. On the XXXX I was trying to get them to lift the freeze so an employer could check my file and so that my family could assist me in getting a car. The Experian rep thought it was amusing and I assure you there is nothing funny about my plight.
Product: Credit reporting or other personal consumer reports

XX/XX/23 NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT For several months now I have requested that Nelnet directly report to XXXX that my loans are paid and closed out forever. XXXX continues to report incorrectly, that the balances are unpaid and due in the future.
Product: Credit card or prepaid card

I had a {$4500.00} limit on my revolving charge account with Citi Bank. I was notified via email that the limit had been changed to {$300.00} due to information on my XXXX credit report. There is no derogatory information on my report, I have not missed any payments or anything else. 

I reached out to the company to resolve the issue and was told that no one knows why the limit was reduced. I was told I would receive a letter to explain but I have not received anything. 

My card balance was paid in full and I had a XXXX or near XXXX amount on the card when the limit was reduced. 

It seems to me to be very unfair that a company could damage my credit and not even tell me why they made the decision to lower my limit.
Product: Checking or savings account

I opened a checking account with {$50.00} in XXXX and tried to setup direct deposit through my company 's payroll. For unexplained reasons, they were unable to establish a connection so direct deposit never started. 

I did n't use the account, but logged in today to try to resolve the issue. Instead, I see a {$0.00} balance and that the account 's been closed without any warning or communication. 

The {$0.00} balance is because they 've taken XXXX months of $ XXXX monthly service fees - again without any communication. So I 've lost {$50.00} without any warning or communication and nothing to show for it. And XXXX has forever lost me as a customer.
Product: Checking or savings account

I wrote a check im the ammount of {$5000.00} ( # XXXX ) from my XXXX checking account on XX/XX/XXXX to XXXX XXXX. 
XXXX on XX/XX/XXXX deposited it into her account at Truist XXXX The check cleared my account XXXX days later. However, even after clearing my account, they froze XXXX money as they thought my check was " fraudulent ''. They told her that I would need to request that the check be recalled by myself or my bank. 
I spoke with Truist XXXX on or around XX/XX/XXXX to try and resolve the issue. This bank would not speak with me as I am not a customer of theirs. 
On XX/XX/XXXX I opened a case with my XXXX XXXX  and asked them to recall the check. Case # XXXX They stated they would work with the other bank to recover the money. I spoke maybe a couple of times with no progress over the next few months. 
On XX/XX/XXXX They opened another " XXXX XXXX '' # XXXX. Was told again they would try to work with XXXX XXXX to have the funds unfrozen and returned to my account as they were not releasing the funds to XXXX. 
On XX/XX/XXXX XXXX " upgraded '' the case # XXXX and said they were continuing to work on this issue. 
On XXXX updated the case again # XXXX and said they were in the process still and that i just needed to continue to be patient. I checked in a few times over the next couple months and was told again to be patient. Somewhere during this time, XXXX bank closed out her account and told her they would be returning check ( I have yet to hear from them or recieve any refund ). 
On XX/XX/XXXX I recieved a letter from XXXX stating they needed a signed declaration of what had transpired. With a claim # XXXX to which I responded on XX/XX/XXXX. 
XXXX XXXX also worked with her bank to return or release the funds to no avail. 
I do not understand, legally, how a bank can take a check, not release the funds or return the funds to the original sender in over a years time. This bank has kept my money for over a year and should not only have to return the money immediately but be charged interest on withholding the money! To me this is theft. I, in good faith, wrote a legally valid check, to which this bank recieved the funds and instead of distributing them as intended has just kept the money. I have fought with both my bank for help, and Truist XXXX for over a year. Speaking with Truist, their policy states the longest they can legally withold funds is 30 days. So how they have allowed this to continue for this long is criminal. It has wasted COUNTLESS hours of my time and resources with still no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I AM IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT. 
( WESTLAKE FINANCIAL SERVICES : LATE PAYMENTS XXXX & XX/XX/2022 ) HAS VIOLATED SEVERAL OF MY RIGHTS. 

15 U.S.C 1681 SEC 602A. - CLEARLY STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SEC 604A SEC 2 : ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

REMOVE THESE LATE PAYMENTS AND UPDATE THIS ACCOUNT IMMEDIATELY AS YOU ARE IN DIRECT VIOLATION OF SEVERAL LAWS UNDER THE FAIR CREDIT REPORTING ACT. 

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

XX/XX/21 Ran credit report on myself to check credit score. 2 revolving credit cards were listed on the report which are not my accounts. I reported the disputes to credit bureaus : XXXX, XXXX XXXX and XXXX. I spoke with both creditors to verify these are not my accounts. 
One of these accounts was removed from my credit report as it was deemed to not be my account. The other creditor claims that the information they reported to the credit bureau was accurate and it is my account. This is NOT my account!!

The creditor is CBNA ( CitiBank North American ) It is a XXXX revolving credit with a balance of {$19000.00}. They report an address of XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. This is not my address nor has it ever been my address! 

This is not my account and has effected my credit standing. This is my report from credit bureau XXXX : Remains CBNA Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your ISSUEIncorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes TYPE OF ISSUE Information belongs to someone elsereport for the details. I am very upset that this is on my credit report andwould like to complain that this Company is not resolving this issue. I need to know what to do next.
Product: Mortgage

I 'm XXXX today. I lost my job of 15 years back in XXXX due to a company downsize, and was thrown back into the workforce to try to start over. What a journey it has been. No one wants someone my age. So now I only work part time, with a loss of over {$1200.00} per month in income, and barely surviving. With all my bills, I do n't have the money to afford food any longer, and so I starve. My mortgage company is aware of my situation, and yet continues to charge me a late fee every month, because I am a little late in getting the payment in. And now they want to increase my monthly payment, Which I ca n't afford now, because they need a buffer on my escrow account. It 's a 30-yr fixed rate/payment, so how can they just change the payment to what ever they see fit. I think it 's time to simply walk away, and let them have their home back. It 's a hard pill to swallow at XXXX, but did my best.
Product: Vehicle loan or lease

I bought a new XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX in XXXX. 
I paid the loan in XX/XX/XXXXbut chase financial never release the title. 
I contacted chase several time with no resolution. Each time they told me they will release it but nothing was done. 
Now I moved to another state and I can not get the registration in the other state because I do not have the title. 
I will be obliged to rent a car since I can not use my car
Product: Credit reporting or other personal consumer reports

Please help me address these concerns. I have been a victim of identity theft and had gone back and forth with the bureaus for the last couple of months. I sent my FTC and CFPB reports to the multiple times but they kept on saying that I should resend a new document. This is getting tiresome and really frustrating. Please remove the fraudulent accounts and reports on my credit profiles. 

Fraud account : 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 

Also, this is inaccurate. I was never late for this account. : XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX. 

They had set me up for an automatic payment and it got cancelled on their end. I called when I saw that they did not take my payment for that date and they told me not to worry because it will not show late payment at all, but here we are. 

For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was also never late for this payment. Not sure with Transunion and XXXX, but it's showing late in XXXX only. Please update the account status to Never Late. 

I attached my FTC and IDs below.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to the 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 on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution 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 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

TransUnion 's initial web page does not provide a way to obtain a free credit report. Instead it provides a free credit score and a credit report for {$1.00}. You have to create an account with them in order to get either. Both are part of a 7 day trail. After 7 days you have to pay {$17.00} a month for their monitoring service. You can cancel within the 7 day trial period. This TransUnion web page came up on the www.freecreditreport.com site. I have no idea how to get my free credit report from this company. I do not feel I should be required to create an account with them in order to get my report. The other reporting companies do not require this.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect Also Known As : XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX Incorrect Employers : XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX  XXXX {$55000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX {$0.00} Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a lot of letter to the bureaus such as XXXX, Equifax and XXXX, but they don't work wirh my case. I want you to investigate my credit report because it has a lot of inaccuracies, errors that I want to fix. 
Thank you.
Product: Credit reporting or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 
Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$4000.00}
Product: Debt collection

XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call - Back to back call XX/XX/2023 - XXXX - Phone Call - Back to back call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX Phone Call There were more phone calls, If this is not enough to prove harassment, I can provide more data.
Product: Credit reporting or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION and UNAUTHORIZED INQUIRIES REPORTING IN EXPERIAN : Experian : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Please remove it from my credit report. 
XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

Currently reviewed my credit history and found charges to Nordstrom Card that I have not placed as well as missed payment for the the balances, contacted nordstrom and they could not explain. The charges and kept directing me to contacts that where not available during the time of my calls and outside my typical availability during the business hours. Did not receive statement but upon review on site realized they charged me XX/XX/31 for unknown items with no receipt, I requested receipt of items not provided then proceeded to charge me for non payment each month going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal reported that my account was thirty days late which was inaccurate. I went into the branch to resolve the matter but they told me they couldnt change the information because a computer generated the information not them. Navy Federal told me to dispute with the three bureaus and they will correct the information once the credit bureaus send the information to them. It was removed from two bureaus except XXXX. Which I dont understand how they verified the account in two days. The account was reported incorrectly.XXXX is not trying to remove it from my account. I need for the inaccurate information to be corrected. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within XXXX business days with ( 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 XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, BANK OF XXXX XXXX XXXX XXXX XX/XX/2005 Balance : {$25000.00}