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

Since XX/XX/XXXX I have patiently waited for Equifax, XXXX and XXXX to accurately report information from five accounts, and I will gladly provide account information and records. Its been over 2 years and in accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report. 

On XX/XX/XXXX Equifax completed its investigation of my dispute ( confirmation number XXXX ). 
On XX/XX/XXXX I submitted a dispute and Equifax informed me that within 30 day I would receive a response on XX/XX/XXXX however after 63 days on XX/XX/XXXX Equifax completed the dispute ( confirmation number XXXX ) On XX/XX/XXXX I submitted a dispute and Equifax informed me that within 30 day I would receive a response on XX/XX/XXXX however after 62 days on XX/XX/XXXX Equifax completed the dispute ( confirmation number XXXX ) On XX/XX/XXXX I submitted a dispute and Equifax informed me that within 30 day I would receive a response on XX/XX/XXXX however after 45 days on XX/XX/XXXX Equifax completed the dispute ( confirmation number XXXX ) On XX/XX/XXXX I submitted a dispute and Equifax completed my dispute on XX/XX/XXXX ( confirmation number XXXX ) On XX/XX/XXXX XXXX completed my dispute and provided creditor remarks as paid, closed, {$580.00} written off however on XX/XX/XXXX they provided inaccurate information as reported on my recent credit report from XX/XX/XXXX. 
On XX/XX/XXXX XXXX completed my dispute of account XXXX which is another account that on my recent credit report from XX/XX/XXXX and is inaccurate. 
On XX/XX/XXXX XXXX completed my dispute of account XXXX which is reported inaccurately on my recent XX/XX/XXXX credit report. 
XXXX account XXXX, XXXX, XXXX is reported inaccurately on my credit report. 

The Credit Bureaus stated my account was properly investigated but, how is that possible when the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal and Equifax, XXXX and XXXX have violated my right under 15 U.S.C 1681 section 602 A that states I have the right to privacy and 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions. 

The inaccuracies reported by the Equifax, XXXX and XXXX is a violation of my rights under the Fair Credit Reporting Act and has prevented me from career opportunities.
Product: Checking or savings account

BMO Harris Bank promises 24 hour phone customer representation. They are committing false advertising. Due to Covid their excuse is Covid that they only have anyone available on the phone 12 hours a day. Theres no reason they couldnt just have people work from home. Cove it is just an excuse to cheap out on human staff
Product: Credit card or prepaid card

My partial identity was apparently used to open two different accounts with US bank on XX/XX/XXXX and on XX/XX/XXXX according to XXXX  records, both accounts were fraudulently opened using an address and phone number not associated with me and apparently they submitted payments using a bank account not associated with me as investigator XXXX from the fraud department of us bank was able to verify by calling the bank with me online and hearing from the XXXX XXXX agent that this account was not associated with me. 
I learned of the existence of these fraudulent accouts through XXXX  after reviewing the annual free copy of XXXX  and not because US Bank has communicated with me at the time these accounts were opened or any other time, neither by letter, nor by account statements., phone calls or emails, not even when I opened my first dispute through XXXX  in XX/XX/XXXX when I reported the two fraudulent accounts and on XX/XX/XXXX they denied my dispute without having 100 % accurate information of my identity and so on I was also denied on XX/XX/XXXX ensuring that the information had been verified as AUTHENTIC, which is not real as I can prove through my DL, phone number, email address etc. 
After several months trying to resolve this negative situation through XXXX  and XXXX  without any favorable or valid results, I decided to contact US Bank directly and finally this morning the agent XXXX from the fraud department called me with a defiant attitude and without any professional ethics. nor any valid proof, He try to make myself responsible for a debt that does not correspond to me and accuse myself of being a liar and forcing myself to call XXXX XXXX to verify with the bank that the account that US Bank had as a reference of payments made to those fraudulent accounts indeed did not belong to me, yet So he refused to remove those fraudulent accounts from my record claiming that he still has evidence against me even though the address, phone number, email and bank account from XXXX XXXX are not associated with me Upon hearing this, I asked him to speak to his supervisor to try to find a coherent answer, and he denied that option, telling me that the supervisor would call me in 48 hours.
Product: Debt collection

Aldous and Associates contacted me about a gym membership account that was not owned by me. Someone stole my basic information ( name, birthday, email ) and opened an account under my name. They used an address that was not mine, and a credit card that was not mine and had their name on it. The signature on the gym membership agreement is also clearly forged. I contacted XXXX XXXX XXXX, but they had already sold the contract to Aldous and Associates. I have tried numerous times to contact Aldous and Associates and they have not answered or returned calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, My name is XXXX XXXX XXXX and the reason I am writing to you is to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX U.S. citizen fighting for his right to privacy. I have never given my consent in writing or otherwise for my personal nonpublic information to be made public with any company or institution.

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. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number # XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number # XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a loan from XXXX in XX/XX/XXXX. I had some difficulty with the payments due to the pandemic. XXXX provided a month hardship deferral. According to my Experian report I fell behind in XX/XX/XXXX. However, the XXXX  reports shows a DOFD ( date of first delinquency ) as XX/XX/XXXX. I was shocked to learn that XXXX accelerated this loan after only 90 days, although the FDIC suggest 120 days for a close-end product such as this. It should be noted that with regard to XXXX the myFico combined report does not display any data for this loan.
Product: Credit reporting

I believe this account to belong to my father who is a XXXX and I am a XXXX as I have not lived in that state or town since 2011
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is furnishing accounts on my consumer report that is a result of alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I DID not BENEFIT from any of the transactions. I sent XXXX written correspondence which included my proof of identity, an identity THEFT report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice. 
In accordance with the FAIR CREDIT REPORTING act XXXX Account number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

ACCOUNTS XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX
Product: Debt collection

In the fall of XXXX in XXXX or XXXX service was rendered at the doctors office and submitted to my insurance company. This was supposed to be paid by my insurance but In the months that followed which is now year XXXX during the month XXXX I was notified of non-payment from my medical office. I contacted my insurance where I was informed the medical office submitted the wrong code for payment and had to be resubmitted with the right code to be paid. I notified the medical office and gave them the information from the insurance company. I figured everything was finally cleared up when I noticed this month XXXX that it has been sold to a collection agency because its now on my credit report.
Product: Debt collection

I am writing to file a complaint against Comenity Bank Avenue. I have tried to dispute this account about 7 times, and it keeps coming back verified which is not true. Enclosed is documentation regarding FTC Report My DL Id and Social Security Card. I want XXXX XXXX XXXX to please provide proof that this my account. It must have my name social and DOB on the verification of proof. I am requesting your assistance to putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed above
Product: Debt collection

I received a phone call today from Transworld Systems Inc. Upon answering the phone, the representative identified themselves by their name only, not who they were with, and asked to speak with my husband. When I stated that he was unavailable and that I was his wife, and how could I help them. They verified that I said I was his wife and then proceed to tell me that they were a debt collector and that they were calling to collect a debt and that the call may be recorded. They proceeded to tell me the amount of the debt and who the debt was owed to. I then asked to speak with a supervisor. I explained to the supervisor what had happened and that I was not listed on that debt. I questioned how they had gotten my phone number since I had no part of that. The supervisor, XXXX XXXX, stated that they were trying to collect a debt and that it was not a violation to disclose that information to me. Mr XXXX said that he was looking at the Alabama State Law and that he was permitted to release that information to residents of Alabama. I informed him that we lived in Florida and he said that was the case also. When I mentioned the FDCPA, he stated that it was within their guidelines also. 
Upon completing the call, I reviewed the guidelines, and my review indicates that it is a direct violation of the law for them to disclose the information concerning the debt to me since I am not listed on the debt. 
I then called back and spoke to Mr XXXX ' supervisor, XXXX XXXX. After explaining the situation to Mr XXXX, he also insisted that they were within their rights to disclose this information to me. I informed Mr XXXX that this debt was being disputed, and we had never received a bill prior to the one that we received from them. 
I am very concerned about this situation. I do not know how they obtained my phone number since, again, I am not listed as a responsible party for this debt. The methods that they used to obtain my number could have also obtained other numbers, such as his ex wife, and his personal, private information could have been disclosed to them. 
My husband will be submitting a complaint also on his behalf.
Product: Credit reporting or other personal consumer reports

Am going through divorce, the case is under litigation, we informed them, we provide the court paper work to convince them put it on hold, they accepted the request over the phone, people from XXXX respond our phone calls. 
it is charge of off, I have been making payment for. the last XXXX  months, I asked them to change it from Charge off to Current, they refused to do it, this hurt my credit
Product: Debt collection

I was told by Blue Shore Recovery that they were going to send my refund check of {$750.00} to me because they sold my account to someone else in the middle of me paying it. So i was told that it was sent on the XXXX XXXX 2016. So sent by mail it would have been here today which is XX/XX/XXXX. I still have n't received it yet. I was also told it was suppose to be expedited and that all of the sudden changed to it was sent regular mail.
Product: Mortgage

Honestly, many things went wrong in my house buying process, but here 's the latest. I just recently found out my home loan is no longer a FHA loan but a conventional loan instead. All of my loan papers say FHA everywhere, I never refinanced. I did get a loan modification, but my FHA status never changed. 
According to my loan papers {$850.00} was an upfront fee. I called FHA to find what happened, they told me my FHA case was closed. No reason was given, at that point I called phh mortgage company, I was recently transferred. 
The company did a small investigation, about a week long, somehow, could not explain what happened. They did explain how investors buy mortgages and my loan became a conventional loan. I said can not happened except I sign off on it, He claimed I did, I said show me the papers with my signature and he later admitted he could not find the papers. I want that XXXX back, and I would like my FHA coverage again.
Product: Debt collection

Pronto Finance The company had my wages garnished, and the total amount was paid in addition to fees. They continue to report the account as a NEW Account each month when it is NOT a new account. This is a violation of federal law and regulation. I do NOT have a new account with this organization, and the creditor violates anti harassing law. I am demanding that this abuse and tactic be investigated. I will escalate the issue to a higher federal authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX XXXX  CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

When I entered into the SAM I was assured that what I saw as an error in the principal balance calculation would be resolved when the payments going into a suspense account had been applied. They weren't. I was being held hostage to the errors of the company and couldn't refinance with anyone else. The servicing has been transferred to yet another problem servicer and I would like the mortgage fixed so that I can go to another company. 
1. I require a complete, separate breakdown of the calculations that came up to the amount of over {$150.00} k on the remaining principal balance. The principal balance was at that time around $ 120k. I had not been on a payment plan where the payments going into suspense would have equaled anything near over $ 30k. The payments in the suspense account should have taken care of all interest etc but seem to have disappeared.

2. I require a complete accounting of the amounts in the suspense account and to what they were applied.

3. I require a complete accounting of the principal balance showing the calculations to come to a figure of over $ 150k and how the suspense account was applied.
Product: Debt collection

I receive 5 to 6 calls a day from Harley Davidson Financial. I pay the bill every month, however they call me 5 to 6 times a day, even on Sundays and holidays. Even after I make promise to pay I still receive calls. I have also been threatened by representatives to adversely affect my credit score. For example on today, I have received a call at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( all on XX/XX/2023 ). On Friday I received a call at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This occurs continuously, even the day after I have made the payment. I pay this bill every month yet I'm harassed daily until another payment is made and then the cycle starts over immediately sometimes the same day. I am a XXXX XXXX who suffers from XXXX and XXXX XXXX. I have had to increase my medication cycle because of the constant harassment.
Product: Debt collection

Hello! 
This was a cell phone debt for someone that was shared. I brought this up with XXXX back when I lost contact with the individual. Its been awhile, dating back to XXXX XXXX. I thought the matter was solved. I was offered to an amount to pay for my charges and that amount was paid at XXXX of their stores in the XXXX, New York. That amount was over {$300.00}. My credit report is reflecting an amount of {$1400.00}!! The company that purchased the account from XXXX is XXXX XXXX.
Product: Mortgage

On XX/XX/XXXX I called my new mortgage servicer XXXX funding because I recieved a voice mail. They claimed I have been paying late for the past 2 months. In XX/XX/XXXX I spoke with a representative who offered to put me in semi monthly payments. One on the XXXX the other on the XXXX. The representative I spoke to stated the amount paid went towards principle and the auto pay wasnt an option before it wasnt paid with in the grace period although I was paying half of the payment before the due date. A full payment was covered on XXXX and then the partial payment for XX/XX/XXXX was paid XX/XX/XXXX. The representative I spoke XXXX XXXX refused to reverse the fees even though he mentioned it was their error. He then transferred me over to consumer escalations. I spoke with XXXX XXXX. She told me there were late fees in the amount of {$140.00}. She opened a request and said she will get back to me.
Product: Money transfer, virtual currency, or money service

I attempted to wire money from my XXXX checking account to a beneficiary at Bank of America. The beneficiary name did not match the account because of a mistake. Bank of America took a {$45.00} fee I never agreed to without any communication to me before sending a reverse wire. So I was returned {$45.00} less than I attempted to send out.
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. Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THESE COMPANIES : XXXX XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$13000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$38000.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.