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

The following accounts listed on my Trans Union, XXXX and XXXX credit report are fraudulent, unauthorized and not my accounts : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is that the credit reporting agencies are breaking the law. By not excluding negative information, and transaction history. These are excluded according to Law. My complaints, against Transunion, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I requested that TransUnion LLC to provide proof of authority to furnish XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX in which TransUnion LLC did not have my written consent and failed to provide proof of legal and lawful authority to furnish the accounts. Transuion also failed to update my personal information as requested. On XX/XX/2023 I had draft complaint regarding the accounts and invoiced them for {$1000.00} for each violation which totaled {$7000.00}. They failed to comply with the fair credit reporting act. I filed a complaint with the Superior Court of California, Case Number XXXX on XX/XX/2023 and after going to court TransUnion LLC Representative XXXX XXXX senior analyst legal operations , showed up and confirmed under penalty of perjury that the information was true and correct and they complied with the laws. Informing that the creditors had the rights to report the accounts so it was lawful. I opted out but forgot to bring my proofs for the courts. I ended up losing the case. TransUnion LLC representatives and executives officers acted recklessly when they failed to investigate properly and make sure the report was accurate and they the complied with all applicable FCRA/GLBA laws and procedures. I have attached proofs that I opted out of reporting my non public personal information to third parties and it shows that TransUnion and its employees failed to investigate and comply with the GLBA and the FCRA. They have and had no authority to report any of those accounts without my permissible purpose, and to disclose my private information without my permission. TransUnion representatives continue to report the fraudulent accounts, and has caused severe humiliation, emotional distress, mental anguish, and defamation of character. They failed to remove my old addresses and contacts. Which has caused me great harm because sending text messages or requesting to send anything to address or phone numbers that I no longer have puts my account at risk of being comprise as well as my private non-public information. Update my address as XXXX XXXX XXXX XXXX XXXX XXXXXXXX, remove all other addresses on record, All inquiries should be removed from my consumer report they per 15 usc 1681. I have attached proof that I opted out with the creditors and they have failed to comply with GLBA and continued to disclose my private information. I also attached the complaint I filed with the local Superior Court of CA and they failed to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing as a charge off when it has been included in the chapter XXXX bankruptcy repayment plan. XXXX XXXX XXXX XXXX was removed when all I disputed was the 30 days late because it was never late dropping my score. Dept of education should have fallen off I was not late and anything to do with student loans  is being reported incorrectly because they were consolidated and deffered. XXXX XXXX XXXX was paid but is still showing as a collection. Per federal bankruptcy regulations no account can show past payment history only that its included in the repayment plan and that its being paid. On all three credit bureaus most of the accounts on my report are incorrect they are either showing as late when they are not they are showing as a charge off when they are not they are showing as a collection when they have been paid. I have attempted to dispute this information with the reporting agency and the incorrectly remove accounts or say that it is correct information or they do nothing at all. I have them tried to contact the credit bureaus and get nowhere. The credit bureaus have messed up my credit so bad that I went from a score of 600s to mid 500s.  While yes I have bankruptcies on my credit the chapter XXXX is a repayment plan in which all accounts are included and being paid but are being reported incorrectly as well as information on my credit remains from 2007 which should have been removed. I am trying to get my credit report fixed so that I may buy a house and every single time I try to get the information reported correctly the credit bureaus XXXX  it up even worse and anybody you speak to is either rude or they don't speak hardly any English due to outsourcing. I really need some help.
Product: Checking or savings account

I had an account with Citizens bank in XXXX XXXX XXXX XXXX in XXXX XXXX I had recently gone on XXXX and had purchased a new T.V also a new 4 wheeler amongst other items For a total of {$6900.00}. It was from roughlyXX/XX/XXXXthroughXX/XX/XXXXroughly I believe so a few weeks had gone by and I had not received any of my items so I contacted my bank they stated they paidXX/XX/XXXXand I calledXX/XX/XXXXthey said they never got the funds. I then go into my branch and spoke to a clerk then manager then I had to come back and talked to the general manager of several branches of Citizens bank and he had called his corporate office and had gotten into an argument with them over trying to get me my money back. He had hung up the phone and told me after he was on the phone for almost 3 hrs he hung up snd stated to me XXXX im sorry but they are failing to refund you your money so you have to sue me I said what he said yes you have to sue me go file the paperwork you will win because we had your money and some how someway it got lost between here and pay pal. So go down and sue me you will win and get your money and late fees etc and court cost. I had tried going down to court house but it was to much money for small claims that I had to retain. Council but I did not have the money to do so and still don't. So I figured maybe your office can possibly help me?
Product: Checking or savings account

Company has closed my accounts and I was also told there was 19 other accounts with my social security number which I never applied and I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And check fraud dept of Bank of America didnt take any action on those accounts or dispute any checks that was write out to me which I didnt do that cause my last and recent account to close on around XXXX of XXXX and I wanted to take action on these 19 other accounts and get them removed for fraud or purge from XXXX XXXX XXXX to avoid a possible legal actions I dont want any more correspondence from bank America from credit card offers or any mail from them.. this is a legal warning
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dispute this Address Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 5 years 4 months 9 days XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 5 years 2 months 9 days 0 XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 5 years 4 months 9 days XXXX  XXXX XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 6 years 1 month 7 days XXXX XXXX XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 5 years 4 months 9 days XXXX XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 6 years 5 months 1 day 5
Product: Credit reporting, credit repair services, or other personal consumer reports

LoanCare is reporting my credit as 120 past due, while I my mortgage is being modified. ( I have a tenant that was COVID impacted ). I was never late in the past, and in fact prepaid the modified mortgage through XXXX XXXX to avoid the situation I am in now. My credit has been reduced 60 points. I have been complaining a week with LOANCARE I sent them the support below and my score has not been changed. I need to purchase a range for another property and my cash flow has been GREATLY diminished as I have two other tenants not paying. ( I can not evict! ) My credit lines have been drastically reduced. One response from the Servicer is that the scores would be adjusted after the loan closes and all the payment terms have been met. Well I prepaid and met the requirement. Correct my credit! Very unhappy
Product: Checking or savings account

Someone ( not me ) printed checks with my Santander bank account number and a fake address, and deposited them, overdrawing my account. The address given on the checks is a state I have never visited. I reported the fraud to Santander, but continue to get phone calls from them that my account is overdrawn. 
I told them about this 13 days ago and still receive twice-weekly phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act consumer has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1681 improper use of my credit report I have never signed a contract with XXXX XXXX I have asked for validation of the debt with the ORIGINAL SIGNED CONTRACT WITH THIS COMPANY NAME THEY ARE ALSO REPORTING A CHARGED OFF ACCOUNT WITH A XXXX BALANCE AT 100 % paid which is incomplete and violates 15usc1681
Product: Credit reporting, credit repair services, or other personal consumer reports

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.I 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. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX  3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Bankruptcy Case Number : XXXX Delete this account.
Product: Credit card or prepaid card

My current legal name is XXXX XXXX, and my current occupation is Caregiver. I am presently XXXX years old, and my current address of residence is XXXX XXXX XXXX, XXXX XXXX, California XXXX. MY CITI card account XXXX XXXX XXXX XXXX was used by not me in 2018 WITHOUT MY AUTHORIZATION. THAT WAS A FRAUD. 
I, XXXX XXXX ( " Affiant '' ), who first being duly sworn according to law, does depose and state : That fraudulent transaction ( s ) ( original or certified copy attached hereto ) was not endorsed, signed, authorized, ratified, either expressly or by implication, by Affiant or with the Affiant 's knowledge or consent. Affiant did not receive or retain any benefit or value from the transaction ( s ), either directly or indirectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the massive Equifax data breach, information is showing on my XXXX XXXX, Equifax and XXXX credit report that don't belong to me. The following account, collection account and hard inquiries are fraudulent and unauthorized: XXXX, $XXXX, XX/XX/XXXX, Equifax XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, $XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA 's. On XX/XX/2019, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

On XX/XX/XXXX my account was sold to Midland Credit Management on a charged off account as of XX/XX/XXXX. The original creditor was XXXX XXXX  : XXXX XXXX. The amount accused was {$600.00} I refused to pay this amount to the original creditor who could not provide me information as to where they are getting this amount. My account was paid off in full - in person - prior to this balance. I received harassing calls at all hours of the day demanding payment, but no information. 
I got the negative marks removed from my credit report by XXXX XXXX XXXX on XX/XX/XXXX. I got served a notice to be sued in superior court as of XX/XX/XXXX, in which I responded & sent a letter requesting verification to Midland Credit Management. They sent back screenshots of my account information, again nothing showing where they are getting this balance. A trial date has been set for XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX 2019 I physically walked into the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX TX XXXX with the intent to load {$120.00} on to my American Express Serve ( Green ) prepaid card. I handed the cashier {$120.00} cash, she took the cash and my Amex Serve card, attempted to complete the " load '' transaction and received and error message saying that the load was unsuccessful. She attempted 2 more times without success. She handed my card and my cash back to me. I then drove to XXXX on XXXX XXXX in XXXX Texas in another attempt to load the {$120.00} onto my Amex Serve card. I handed the {$120.00} to the cashier, she too got an error message saying that the transaction was unsuccessful. She tried again and the transaction was successful. I got a receipt with the successful transaction of {$120.00} loaded to my Amex Serve card. I also received an email from Amex Serve notifying me that the transaction was successful. Exactly 11 min later I received an email from Amex Serve saying that my account was now overdrawn $ XXXX. 
I contacted Amex Serve to inquire about what was going on but I kept getting a message saying that their system was down and to call back later. Later in the evening I called back to explain what happened. They said there was no mistake but if I wanted to file a dispute I could. I filed a dispute. Sent copies of the transactions from XXXX to Amex as they requested and received a response saying that they was no error and I needed to bring my over drawn account current. I disputed again, went through the exact same 10 day process only to be tole there was no error and they will NOT be giving me back my {$120.00} dollars. If there was no error than why do I not have my {$120.00} available to me? If there was no error then why do I have a copy of a transaction for the load onto my card for {$120.00} from XXXX and then a copy of a transaction from XXXX for a REVERSE load for $ XXXX? There IS A PROBLEM and no one will help me. I have contacted XXXX and no one will call me back. I've contacted Amex Serve and they do not see an issue and I've contacted XXXX 3 times and have not gotten an email or phone call or letter from them offering any help what so ever. I am desperate! FYI- American Express Serve outsources their customer care team. They are not actual employees of American Express. They are located in the XXXX and have no contact with anyone from the actual American Express corporate company in New York.
Product: Credit reporting, credit repair services, or other personal consumer reports

BARCLAYS BANK DELAWARE accounts were reported in my Credit report and I am not aware of the status of getting into charge-off. I have reached out to the agency and the credit bureaus about this issue but I am still waiting for their response longer than I have expected. On top of that, no modes of communication were done to notify me about the issue. The worst thing is that the accounts ' information was incorrect. Please look into the following accounts and verify : BARCLAYS BANK DELAWARE XXXX BARCLAYS BANK DELAWARE XXXX
Product: Credit reporting or other personal consumer reports

Hello I am currently trying to get my credit pulled with XXXX and Equifax. However, the lender is telling me that there is some type of freeze or fraud alert. I need the fraud alert and freeze remove from XXXX and Equifax because I can not make a purchase. The lender can not see my score or credit history. This is causing me so much agony and grief. Please fix this problem so the lender can pull my credit remove all fraud alert and Freeze on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX report names does not belong or incorrectly appears in the report Name 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 - Paid in full Disputed XXXX Bank Error ReOccurring as of XX/XX/XXXX as amount owed Balance {$380.00} Date OpenedXX/XX/XXXXActivity Designator PAID_AND_CLOSED Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount XXXX XXXX XX/XX/XXXX Loan Type Secured Date Closed XX/XX/XXXX. 
Date Reported : XX/XX/XXXX Collection Agency CONVERGENT OUTSOURCING , INC . CLOSED XXXX XXXXBALANCE ReOccuring Date XX/XX/XXXX Original Creditor Name XXXX XXXX Original Amount Owed {$400.00} Creditor XXXX XXXX or XXXX Amount {$400.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX dispute with XXXX XXXX paid in full closed the account XXXX XXXX charging customer amount for service not needed. therefore Closed the account/ I do not have cable with them. 

XXXX XXXX XXXX {$120.00} unknown account. Revolving XXXX ( I still have account with XXXX XXXX XXXX been long customer since XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

One year ago, I took a fall in a parking lot and caused significant damage to my face and left hand. I was taken to the XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, NC. The XXXX XXXX company was responsible for the bill and they negotiated a price with the hospital, the bill was paid, however not before it was turned over to collections. The collection process is being handled by the XXXX XXXX XXXX in XXXX, Ohio. 
I have provided clear documentation to both Experian and the XXXX XXXX XXXX and have disputed this report on my record several times to no avail. They appear to be ignoring the evidence and continue to have fraudulent information on my credit report.
Product: Mortgage

Applied for a mortgage refi through BBVA ... XXXX XXXX XXXX XXXX named XXXX XXXX. Provided ALL necessary required documentation that was stated to be required, in addition to having a satisfactory middle credit score of XXXX, only to be purposely negligently mislead, represented and obviously XXXX XXXX reverse discriminated against by BBVA, it's underwriting department, and Ms. XXXX XXXX, per attached documentation, and dialog!!!
Product: Checking or savings account

My payroll deposit has not been made available to me. My employer sent the deposit but capital one has not made it available in my account or even shows that a deposit is pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of a collection account from a company called XXXX XXXX today XX/XX/2020 when I was not approved for the XXXX XXXX credit card. I had no idea that this account was reporting on my credit because it does not belong to me. I never opened this account and I do not have any written/verbal contract with this company. I did not allow anyone to open this account in my name using my personal information ; I did not benefit anything from this account such as money, goods, services or any other benefit and I did not make any payments towards this accounts. I have filed a police report regarding this unauthorized account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccuracy and unauthorized inquiry on my credit report. Upon reviewing my report, I found an inquiry on my Equifax credit report in error. I request that the inquiry for XXXX XXXX dated - XX/XX/year>, be removed from my profile. This is a duplicate inquiry, I did not apply for credit twice, nor do I recognize the second inquiry. Please remove this inquiry from my report immediately. 

Prior to reaching out in writing, I attempted to resolve this issue via phone. Unfortunately, my calls were consistently routed to representatives outside of the United States, who were unable to assist me effectively. Despite my efforts, I was not afforded a fair opportunity to resolve this matter. As a result, I am now seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to ensure that my credit report is corrected. 

I would appreciate your prompt attention to this matter and request that you take immediate action to remove the disputed item from my credit report.