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

I pulled my credit report recently and seen bills showing open or closed with balances when I have actually paid the accounts and would like them to be removed i will provide receipts and I discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. I have accounts that are reporting inaccurate and incomplete credit information on my Credit Reports I will highlight them and add them to the notes .these are the companies below XXXX-PROOF OF PAYMENT XXXX BALANCE REQUESTING DELETION FROM MY REPORT XXXX XXXX XXXXXXXX - PAID TO A THIRD PARTY CREDITOR STILL LISTED I WILL SHOW PAID 3RD PARTY THE BALANCE IT NEEDS REMOVED XXXX XXXXLISTED PAID ON BANK STATEMENT TO XXXX XXXX XXXX XXXX  PAID OFF IN FULL REQUESTING DELETION Multiple address and name spellings And unknown inquires on my report that I have never done business with them. 
I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX XXXX XXXX XXXX XXXX ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have tried repeatedly to contact employees at Truist bank to find out how to change my Auto Loan auto draft bank account to a new bank. No one at the bank replies. 

I need to know who the auto loan lender is, and how to change the payment account, as I am closing down all business and personal relationships with Truist do to their lack of customer care.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
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 and confidentiality under 15 USC 1681. 
DPT ED/XXXX XXXX, DPT EDXXXX XXXX XXXX DPT ED/XXXX XXXX, DPT EDXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, US DEPT ED XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.C.S 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can XXXX XXXX with my family.
Product: Debt collection

On XX/XX/2018 I received a bill from First Finicial Resources INC in the amount of {$2000.00} for account # XXXX. 

On XX/XX/2018 I sent out a certified letter ( that the company signed and returned ) asking them to validate the debt. I also asked how they would attempt to report a debt that has already been reported. 

Its been over 30 days and I have yet to receive any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting is harming my XXXXdit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Checking or savings account

On XX/XX/XXXX I deposited a credit card courtesy check for {$5000.00} via mobile deposit to my XXXX checking account. The response I got via the app was that the deposit was not successful. I then deposited the check via a mobile deposit to USAA. That deposit was successful. On XX/XX/XXXX I  received an email from XXXX stating that the deposit was successful. I immediately called XXXX and told them when the app said the deposit was not successful I had deposited it to another bank. XXXX said they would not complete the deposit. On XX/XX/XXXX I looked at my USAA account and saw that the {$5000.00} deposit to USAA had been reversed. I called and was told I could n't deposit a courtesy check into the account. They could n't tell me why. I believed at that point, that the {$5000.00} was not deposited anywhere and my credit card ( that the courtesy check was drawn on ) would n't be charged. Around XX/XX/XXXX I looked at my USAA account and saw that my credit card was  charged the {$5000.00}. I spent the next 10 days or so trying to resolve the issue with USAA ( the bank the credit card was through ). Every time I received a different reason why I owed my credit card  {$5000.00} yet had not received {$5000.00}. I finally spoke with a corporate person and she said USAA had paid the {$5000.00} to XXXX. I began calls to XXXX. They say USAA put a hold on the check and did n't pay it and they claim that when they call USAA their calls are n't returned. It 's been more than 5 weeks and I now owe {$5000.00} yet received nothing for it. Each bank claims they do n't have my funds yet the credit card side of USAA wants me to pay for the funds. No one will take my calls and I do n't know what else to do. I got as far as the executive level with each institution and still no resolution.
Product: Credit reporting or other personal consumer reports

According to 15USC 1681 the fair credit reporting ACT violated my RIGHTS and shall respect the consumers RIGHT with fairness and privacy AND SHALL NOT UPLOAD ANY ON MY CREDIT REPORT WITHOUT MY WRITTEN PERMISSION. XXXX, XXXX AND EXPERIAN reinvestigate these accounts below. 

XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

My first attempt to dispute this inaccurate information was on XX/XX/year>, when I stated that I had no knowledge of this account and requested validation, including information on how they verified it and a written contract bearing my signature. I did not receive any response from the company. My second attempt was on XX/XX/year>, in which I reiterated that, to the best of my knowledge, I do not have an account or contract with LVNV Funding LLC. They still did not provide the original contract as requested.
Product: Credit reporting

I recently pulled my credit report from Equifax and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Equifax and the results of the investigation came back as " verified ''. I did not have an account with XXXX during this time period. XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

we refinanced thru a local credit union, within the year we were notified that Phh mortgage services had taken over our loan, at first it was ok then I was unable to make a payment on time, called them they said I could break that payment into XXXX lesser payments to catch up, not telling me that this was going to affect my credit score showing XXXX late payments, a couple years later my wife got layed off from her job XXXX, we asked to get a loan modification to help offset the loss of income, this was a nightmare, between the representitive that spoke broken XXXX to the constant problems with paperwork, we finally were told we could do a trial period of XXXX payments, we did that with out a problem until our XXXX rep sent the paperwork for the modification I would be paying on my mortgage until I was XXXX, so obviously we said put us back on our regular mortgage then I get a letter saying I owe XXXX dollars in late fees, which they said because you did n't pay your regular amount that late fees were added, we disputed these fees but these people are not approachable, also they kept harassing us when we were in the modification in broken XXXX asking do you want to keep your house, also after we did the trial mod and went back to original mortgage, we got a letter saying we owed them XXXX dollars for original mortgage to get back on track, this company is horrible to deal with, you cant understand them and when you get an American to speak to they do n't want to listen or hear anything you are trying to say to them
Product: Credit card or prepaid card

I disputed Citi Card case # XXXX for charges by XXXXXXXX XXXX  for services not delivered. I also disputed Citi Card case # XXXX XXXX, XXXX and XXXX for charges by XXXX XXXX XXXX for services not delivered . In all four cases Citi Card has been grossly negligent in investigating claims. 

In a XX/XX/2022 resolution of XXXX XXXX XXXX Complaint Case # XXXX, XXXX XXXX XXXX instructed Citi Card to refund charges disputed in Citi Card Case # s case # XXXX XXXX, XXXX and XXXX. Citibank failed to refund charges as directed by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided the necessary documents as evidence to support my claim.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Ive been in communications with TransUnion, about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. 
By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told TransUnion many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information : Incorrect names listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only name is XXXX XXXX XXXX My only address is XXXX XXXX XXXX, XXXX Ohio XXXX My only date of birth is XXXX My only employer is XXXX XXXX Mortgage You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

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

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$320.00} XXXX XXXX XXXX Inquiry : XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : Experian : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$980.00}
Product: Money transfer, virtual currency, or money service

On or around the XX/XX/XXXX of XX/XX/2019, I recieved a card in the mail with name and info attached. On the XX/XX/XXXX i told square /cash.app of the mistake that was made using my identity. An account was made in my name and address. After numerous messages via XXXX to their verified account i finally recieved an email on XX/XX/XXXX saying they needed even more personal information. They were not using any form of credentials when asking for my information. They don't have a phone number or way to contact them outside of social media. This facilitates a gap in banking where they're allowing XXXX   to use my identity and sell them my data without being held accountable.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, unauthorized accounts have appeared on my credit report. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be blocked and deleted from my credit file : Accounts to be Blocked and Deleted : XXXX XXXX XXXXXXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$72.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not held a proper investigation into several fraudulent accounts listed on my report # XXXX. They are in violation of the FCRA. I have disputed these accounts to no avail.
Product: Payday loan, title loan, or personal loan

I reported Lendmark financial to the nc department of justice around XX/XX/XXXX of XXXX they have not responded to my previous cfpb complaint and they have not responded to the complaint i filed against the nc doj XXXX i am reporting them again because they closed out the previous loan and now they are showing a different one with a different account number. this is very unethical and strange. I reported XXXX XXXX to the nc doj today as well because i just found out that my interest rate with the loan i have with them is over 46 percent and that has to be illegal
Product: Checking or savings account

On XX/XX/2021, I ( XXXX XXXX XXXX ) received a email from XXXX XXXX from email XXXX about a property ( XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ) I asked for more information about and interested in renting that was listed on XXXX. 
XXXX advised me that the property was still available and sent me an application to fill out, and also advised me that {$1000.00} security deposit and the rent will be {$1000.00} a month. 
On XX/XX/XXXX I drove by the house at XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX to look at and when I was there looking at it was vacant with no signs of anyone living there. 
So, I filled out the application and email the application to XXXX. He then email me back and said I was approve and If I can the security deposit of {$1000.00} and first month rent of {$1000.00} and last month of the amount of $ XXXX.He gave me a XXXX email of XXXX who he said was his lawyer ( XXXX XXXX XXXX ) and property manager. 
I sent him the security deposit of {$1000.00} on XX/XX/2021 from my XXXX account with Bank of America and the first month payment of {$1000.00} on XX/XX/2021 from my same XXXX account then I went to send the last payment of {$1000.00} from my XXXX account and it didnt go thru and I advised XXXX that XXXX will not let me send the money so he gave me XXXX XXXX tag name of $ XXXX ) info of XXXX XXXX XXXX to send it. So, I sent the last payment of {$1000.00} thru XXXX XXXX to him. 
XXXX confirmed all three payments and advised me that I can meet him at the house on XX/XX/XXXX to pick the keys. 
Later that day XXXX email me asking if I can Pay another {$500.00} to pay for his lawyer airfare, I advised me can not pay that right now and he email me back asking if I can at least {$300.00} and I advised no I cant and I didnt hear back from him after that. 
On XX/XX/2021, I drove the by the house ( XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ) I notice that someone was moving in and was living in the house, The next day a emailed XXXX and XXXX and asked for my money back and to cancel my rent agreement, because I believe I was scam. He responded back he will refund the money a couple days went by, and no refund and I email both again and response back. So filed a dispute with the bank and XXXX XXXX and still waiting for them to finish their investigations. 
The bank and XXXX XXXX refuse to credit back my account the money. Even after I told them that I was scam and someone commit fraud and I filled a Police report and a report with the FTC and after I tried to connect the third party and they will not response back. I don't think they care about their customers.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consist of a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/2019 under the account number XXXX This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

I terminated my service early 2020 and sent my equipment back in XX/XX/2020. They turned my account over to collections to Enhanced Recovery. Enhanced Recovery is reporting my balance with the equipment charge but I have spoke to XXXX XXXX XXXX 3 times and they have confirmed that they have received the equipment and will take the fees off. I have verified my debt and disputed it with ERC and they say its accurate. I just wont the fees removed so I can get this behind me but XXXX XXXX XXXX Kees telling me they will fix it and enhanced recovery keeps telling me its accurate and I keep going in a circle.
Product: Credit reporting or other personal consumer reports

I contacted TransUnion to request the removal of unauthorized credit inquiries on my TransUnion credit report. I recently retrieved my credit report and it showed 3 credit inquiries that I have no knowledge of ever authorizing.I want to dispute the following inquiries and ask for their removal from my credit report. 

Item Number #, Creditor, 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 XXXXXX/XX/year> In accordance with Section 605B of the Fair Credit Reporting Act, I request the removal of this information from my credit report, as it is negatively impacting my ability to obtain new credit. I would also appreciate receiving a copy of my updated credit report once this matter has been resolved.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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  -- - UNAUTHORIZED INQUIRY 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 of the person knows or has reasonable cause to believe that the information is inaccurate.