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

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of U.S. Bankruptcy Court : Account number : XXXX XXXX Bankruptcy Court : Account number : XXXX XXXX : Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Account number : XXXX XXXX XXXX  : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX | XX/XX/year> XXXX  | XX/XX/year> XXXX  | XX/XX/year> XXXX  | XX/XX/year> XXXX/CONT : Account number : XXXX XXXX  XXXX  | XX/XX/year> XXXX XXXX XXXX  : Account number : XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX I have XXXX student loans on my credit report that are not mine. 
I am a permanent resident that didn't get my social security number ending XXXX XXXX. My credit report shows that I have XXXX student loans on my credit report from XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both XXXX  XXXX  COMPANY AND XXXX ( CREDIT BUREAU ) about XXXX paid off auto loans not reporting on my credit report. The two accounts are reporting paid off on XXXX XXXX XXXX but NOT XXXX. XXXX told me that they sent my loan information to XXXX but yet the account never posted to my credit it has been A YEAR OF CONTACTING BOTH COMPANIES BUT NO RESULTS! PLEASE HELP ME GET MY PAID OFF LOANS REPORTED TO MY XXXX CREDIT REPORT!
Product: Credit card or prepaid card

My name, address, phone number and social security number are being used to apply for a XXXX XXXX XXXX XXXX. The application was denied. The email attached to this application is XXXX. That is not my email. The application was opened on XX/XX/2022. I was finally able to track down a person at XXXX XXXX who had a copy of the application. He told me about the above email. The application number is XXXX. 

In XXXX of this year someone opened a XXXX XXXX XXXXXXXX XXXX  from XXXX  XXXX XXXX and charged {$1200.00} and never paid it. This is how I found out that someone was using my personal information. XXXX has closed that account finally. 

Because of these XXXX incidents, I have frozen my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I have been disputing a chapter XXXX and a chapter XXXX Bankruptcy that has been appearing on my Experian credit report but received a response that it was verified through the courts. I again disputed the public record entry on XX/XX/2021 and XX/XX/2021 to receive the same response verified and added that they purchased my information from a third party reporting agency called XXXX. I proceeded to write a letter to the Bankruptcy court and they responded by writing that they do not report to any credit agency nor do they verify information to any credit agency, I then disputed the information with XXXX and they in turn deleted the public record from their report. 
I have furnished the letter from the Bankruptcy court and the file from XXXX report but Experian still refuses to delete these public record entries from my Experian credit report.
Product: Checking or savings account

First Hawaiian Bank charges a {$5.00} fee every month for online bill pay service. I have been charged this fee on XX/XX/20, but do not use this service. First Hawaiian Bank has charged me this fee last year for 11 months by withdrawing from my checking account, even though I have never utilized this service. The withdrawals were disputed and stopped for approximately four months. However, First Hawaiian Bank again began withdrawing for the same fee on XX/XX/20. Other individuals have also reported this same problem.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, two accounts were opened in my name from two seperate banks, XXXX XXXXXXXX XXXX XXXX XXXX XXXX in Mississippi. They both have fraudulent charges up to almost XXXX dollars. 

I did not set up either of these accounts and when I called Regions, I was able to close and submit an identity report. As submitted below and was processed, this would take up to 30 days I have been told. 

I later found the XXXX XXXX Bank charges after my credit score lost over XXXX points this morning, XX/XX/2024. Confused and alarmed I called the bank and they were unable to locate the account. But it is on my report as seen below.
Product: Debt collection

I am writing to formally dispute and request the immediate and aggressive deletion of the charge-off accounts listed on my credit report. These accounts are negatively impacting my credit score and financial well-being, and I believe that their presence on my credit report is inaccurate and unjust. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute any inaccuracies on my credit report, and I am exercising that right in this correspondence. The following charge-off accounts are the subject of this dispute : XXXX XXXX XXXX XXXX XXXX XXXX I request that you conduct a thorough investigation into the validity and accuracy of these accounts and take the necessary steps to remove them from my credit report immediately. I also request that you provide me with written documentation supporting the validity of these accounts, as required by the FCRA. 
If, after your investigation, you find that these accounts are indeed inaccurate or unverifiable, I insist that you promptly delete them from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Intent to Sue for FCRA Violations Unauthorized Reinsertion of Deleted Account To Whom It May Concern, I am writing to formally notify you of serious violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding the unauthorized reinsertion of a fraudulent collection account on my credit report. This serves as a final demand for immediate removal before I escalate legal action. 

Account Information : Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX Townhomes Account Number : [ Insert if available ] Balance : {$17000.00} Date Opened : XX/XX/XXXX Re-Insertion Date : XXXX, XXXX Violations Committed : 1. Unauthorized Reinsertion Without Notice ( 611 ( a ) ( 5 ) ( B ) ) This account was previously deleted and later reinserted on my credit report.

FCRA mandates written notice within five business days of reinsertion, which I never received.

2. Failure to Properly Investigate Dispute ( 611 ( a ) ( 1 ) ( A ) ) I previously disputed this account, and it was removed, proving it was either inaccurate or unverifiable.

Your reinsertion without new verification violates my consumer rights.

3. Reporting Inconsistent and Inaccurate Information ( 623 ( a ) ( 1 ) ) This account is not reporting on XXXX, yet remains on Equifax and TransUnion. 

Inconsistent reporting across bureaus suggests inaccuracy, making this a violation of the FCRA. 

4. Willful and Negligent Noncompliance ( 1681n & 1681o ) Your actions have resulted in financial and reputational harm.

I reserve the right to seek statutory damages of {$1000.00} per violation, plus punitive damages and attorney fees.

Demand for Immediate Action : 1. Delete the fraudulent account from my credit report permanently.

2. Provide written confirmation of the deletion within 15 days.

3. Cease and desist all further reporting of this inaccurate information.

Failure to comply will result in legal action against you for willful noncompliance with federal law. I am prepared to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

This letter serves as your final opportunity to rectify this issue before I pursue litigation. 

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

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$35000.00} -This is not my account. 

4. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$100.00} -This is not my account. 

-- AUTO ACCOUNT -- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am filing this report to address unauthorized hard inquiries on my credit report. Below is a detailed list of the inquiries from all three major credit bureaus that I did not authorize and am requesting to be removed : Experian : 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 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 XXXXXX/XX/XXXX I did not authorize these inquiries, and I am requesting that they be removed from my credit report. Please review the details provided and take the necessary actions to ensure these unauthorized entries are removed.
Product: Credit reporting or other personal consumer reports

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. All this account s not mine it is opend by somebody who stole my identity and used to get cards and loans. 
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  I dont have contract with this Agencies they did not provide me with original contract as i requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was approved for a business auto loan by XXXX XXXX  XXXX. I took the attached pre approval to dealership ( XXXX XXXXt ) and they took it upon their self to apply for me another application with XXXX XXXX XXXXXXXX. 
The reason for me taking the business pre approval was so that it wouldnt show on my personal credit report. Ive noticed that it is showing on my personal report. Ive called and spoke to finance manager XXXX, she stated theres nothing she can do and XXXX has still failed to return my call. 
XXXX XXXX XXXXXXXX says there was a whole nother application opened under my personal I did not give them permission to do that they should have used the pre approval that was presented.
Product: Credit reporting or other personal consumer reports

Im accordance whit the Fair Credit Reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Product: Checking or savings account

On XX/XX/XXXX at XXXX I was awakened by a phone call from a person who identified himself as XXXX XXXX from Wells Fargo . The number on caller ID was in fact the Wells Fargo phone number. He stated that there was suspicious activity, that someone was attempting to wire {$15000.00} from our savings account and asked if I authorized the transaction. I told him that I did not and that I have never wired money as long as we've had the account. He told me that some steps had to be taken to secure the account to prevent the wire transfer from going through. The person had me log into my online account and verify the last several transactions from our checking account. XXXX XXXX then said that the money was being wired to a XXXX bank account. He put me on several silent holds and then said that he needed me to log out and log back in. XXXX XXXX then asked me to stay on the phone with him and if another phone was available to go get it, I would need to call Wells Fargo to tell them not to authorize the transaction. He provided me with the phone number, I called that number from my husband 's phone and it was the Wells Fargo main number. I spoke with a representative there who asked me to hang up the other phone as that was not a legitimate Wells Fargo representative and was likely a scam. She explained that she was able to stop a {$10000.00} wire transfer from coming out of our savings account but a {$15000.00} transfer had already gone through and that she could not get it back. The lady stated that she was submitting a claim for us and we would be contacted during business hours that day. After not hearing anything around noon, I called the fraud department. They stated that they had put a recall on the {$15000.00} and we would have the money returned within 10 business days and another claim was submitted. They provided us with a new checking account number. I received a few letters stating that the claim had been closed, however the money was never returned. My husband called after 10 business days and was told that they had opened the claim on the incorrect account number and that another investigation was now opened on the correct account and we would be contacted by an XXXX within XXXX hours. My husband was able to speak with an XXXX today ( XX/XX/XXXX ), and he was told that the fraudulent account with XXXX had been closed, there were no funds to be returned and there was nothing Wells Fargo could do about it. My husband then went down to a branch in person and was told that they usually require wire transfers to take place in person. He was also told that we should have been directed to a representative in the wire transfer department. She was able to see that the owner of the XXXX bank account was contacted and asked to return the funds, which of course they denied. The account was then closed shortly after. We have filed a police report with the police department and were provided the fraudulent account number that has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX amesher XXXX XXXX with all major bureau in violation police reported with ID theft gov violation of my rights!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in reference to a Released Tax Lien that is reporting on my Transunion and XXXX  credit report as Serial No. # XXXX. The Lien has been released since XX/XX/XXXX. I  have filed numerous investigations in efforts to having this public record removed by phone, letter and online, the most recent was XX/XX/XXXX and it came back updated XX/XX/XXXX. This the same released Tax Lien was immediately removed by XXXX after 1 investigation. 
Under the New Law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN and DOB in order for it to appear in your credit file. Transunion or XXXX has not updated their information and PER the New Law the Released Tax Lien listed does not include all the required information and should be deleted from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting me late XX/XX/2018 and they are in violation. They recently took over servicing of my loan from XXXX XXXX XXXX in XX/XX/2018. 
For one- there is a protection period once a loan is transferred for servicing : ( 1 ) Payments not considered late. During the 60-day period of the servicing of any mortgage loan,. a payment may not be treated as late for any purpose. 

For 2 : I had set up auto draft with XXXX already in XX/XX/XXXX and the XX/XX/XXXX payment was to be drafted. This was their error not mine. I am NEVER late on anything and have always had auto draft for my mortgage payments with XXXX XXXX and when you guys took it over it was a big mess.
Product: Credit reporting or other personal consumer reports

XXXX BANK XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX Request for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX Bank, I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by XXXX XXXX complies with those standards. To assist in your investigation, I am requesting the following : XXXX. A detailed review of the information associated with the charged-off account. 
XXXX. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history. 
XXXX. Correction of any inaccurate or unverifiable information. 
XXXX. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian does follow federal regulations for consumers. They allow your information to be access and used against you. They constantly report inaccurate information on my file. When dispute it and its definitely wrong they state that the fraudulent information is correct. Which means they are in business with that company which is a conflict of interest. XXXX and end XXXX does a better job with protecting the consumers. So i have 5 accounts on my that are inaccurate and fraudulent information on them. XXXX and XXXX  recognized the inaccuracies and fixed or deleted them. Experian does not even investigates them properly. They just state its verified. Even if you upload a police report. They should be shut down and put out of business for giving out personal information and conflicts of interests against consumers. They are the worst XXXX company and they are part of a huge problem Congress needs to shut them down. I have even written my local representative about Experian unlawful practices to keep consumers down with fraudulent score keeping.
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. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

This complaint is regarding Real Time Resolutions , Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. This company is providing inaccurate and deceptive billing statements. Statements provided do not reflect previous months payment. Furthermore, the current payment is inaccurate as well. Request CFPB investigate the deceptive billing practices of Real Time Solutions.
Product: Debt collection

I have received calls from phone number XXXX from a woman calling herself " XXXX. '' I have asked her not to call my number because she has the wrong person. The phone number was spoofed because the call did not go through after trying to call the number back. All of their listed numbers are fake. She was rude, continued trying to get personal information, and stated that she was calling from Elevate Recovery. She called again at XXXX pm on Friday, XX/XX/2023. I asked her never to call this number again, to no avail. I want all communication and harassment stopped.