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

Transunion XXXX XXXX were under 30 days to investigate public record on my person credit I was supposed to obtain.of verification accounts verified I have letters from court. 
houses again and again saying that they do not give information.

to 3rd parties like credit bureaus or anyone for that matter. Many people have even called.

the courthouses to receive that information and knowledge.

that the credit bureaus cant obtain FULL socials and addresses and bankruptcy information.

So, how does a credit bureau get this information? 
XXXX XXXX is and has been on as security freeze since XX/XX/2022. I have both documentation from both XXXX XXXX and bankruptcy court saying the information had and will never be disclosed from them. so once again you have failed to disclose the VERIFIED account in 30s days. this yet another UNverified account and has lacked the 30-day investigation period to verify because of which I would like all public records that are unverified off immediately including bankruptcy and dismissed bankruptcy. if the full name full address and copy of original documents with full social is not provided this is a verified public record and i would like it off.
Product: Debt collection

Flex Finance has been reporting inaccurate information to the credit bureau for months. I've disputed this account numerous times with XXXX and each time the account comes back as verified by the creditor without me receiving any documents proving their claims. I have provided proof that this account is being reported inaccurately and I've included documents showing the discrepancies from the creditor. This account is closed yet the account status changes to something different every time I file a dispute. This is against the FCRA laws to continue to report inaccurate information to the credit bureaus. It's been extremely stressful dealing with this because the company doesn't have a phone number, only form of communication is email and there's long periods between each email every time I've tried to communicate with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account reporting to my credit report shows a change in the name of an Original Creditor. However, after some research i discovered that the name change occurred with a company that i have never had a contract or business with as they were not in business that year. XXXX XXXX who was formally known as XXXX XXXX is still in business and not DBA " XXXX XXXX XXXXXXXX ''
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. 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 finish 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 XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX..I 've been fight the credit bureaus for the last 3 years I was in a data breach with XXXX.. and XXXX XXXXXXXX who ever the person is they have my social security number and they still use my social security number apply for things. Mess my credit up..
Product: Credit card or prepaid card

Chime opened up a debit card in my name when I instead applied for a credit card only. They took my personal information and opened a debit card. They are saying on their app that I have to enroll in direct deposit to apply for a credit card, which was not stated in the original application process.
Product: Vehicle loan or lease

West Lake Financial has reported to my credit that I have a write off on the vehicle I had a loan for in the past. They reported false information on my credit, and have not removed it. I have paid my last payment to them IN FULL in the amount {$330.00} on XX/XX/XXXX, of XXXX. This should have been resolved and not reported as incorrect information. It is not a write-off. I also have the title to this vehicle to prove that they sent it to me in return for the last payment sent on XX/XX/XXXX of XXXX. As well as bank statements. It is now XX/XX/XXXX. I would really appreciate it if this is taken off my credit history. As this is definitely FALSE information. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting

The account is listed is 9 years old. XXXX XXXX XXXX account number XXXX 
Experian refused to remove this and stated that it was due to be removed XX/XX/XXXX. This was reported XXXX and that would have to stay on my report 10 years instead of the 5 years that the rule requires. This is a flagrant violation of the rules that the other credit reporting agencies have followed. Since I disputed this my score with them has droppedXXXX points and I can only assume that they have reinserted some other accounts that have been removed. My son used to work for Experian and was told to put calls from the FTC on hold for XXXX minutes and then disconnect. According to the rules I can force anyone to disregard Experian and if they do n't I can report them too. Experian wo n't release my updated report unless I give them almost 40 dollars. They just XXXX off a XXXX veteran, XXXX, and a XXXX with an XXXX of XXXX. At this point they are on the verge of reaping a whirlwind. Their legal problems are going to dwarf whatever bribe they are receiving from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was supposed to be a soft inquiry. It was to see if I was pre qualified for a car loan. It wasnt supposed to affect my credit score. It didnt do anything to help me and I would like it removed. The company used entrapment.
Product: Checking or savings account

on XX/XX/22 i issued a {$10000.00} check to my broker ( XXXX XXXX XXXX ) from my personal CHASE account on XX/XX/22 i was contacted by XXXXXXXX XXXX that someone had stolen the check and attempted to deposit that check into their personal account. XXXX picked up that the check was made out to XXXX and although the money was removed from my Chase account did not credit the thief 's account. XXXX told me to contact Chase and the money ( {$10000.00} ) would be promptly returned ( deposited ) back into my account. 
on XX/XX/22 i went into my local Chase branch and filled out all the paperwork for the " unauthorized endorsemen. '' on XX/XX/22 i was told by chase that all paperwork was " mailed '' to XXXXXXXX XXXX and w/in XXXX days the money should be returned. 
the Chase claim number is XXXX I have called Chase on numerous occasions and i am being told there is nothing more they can do - we simply need to wait for XXXX XXXX to respond. i have asked why they can not return my funds to me and when XXXX decides to return the funds they would go to Chase- or in the alternative contact XXXX again to ascertain that they actually got the original paperwork -- i am told that is not the procedure. 
the system is flawed in that ( XXXX ) there is no incentive for Citizens who is holding the money to promptly return the funds and ( XXXX ) Chase owes me the money and there is no incentive for them to have the money returned to me - there should be a penalty to one or both of them for this ridiculous delay
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to fix the problem with XXXX   for a while. It started when I first got a credit card. Someone used my credit card fraudulently and without my knowledge and as a result they went over my credit limit. I fixed the problem with my credit card company. And when they fraudulently used my credit card and went over the limit my credit score went down from XXXX to XXXX. I asked XXXX  to fix the problem but they refuse. And since Ive been trying to fix this problem Im noticing that its impossible to fix my credit now with them. For example I paid a balance down and my credit score went down. Its supposed to go up not down. Ive been noticing someone is checking my credit hundreds of times without my knowledge and my credit score keeps going down. This is the last time I will try to deal with this before suing this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/XXXX2022 addressed to XXXX and TransUnion Credit Bureaus to have the unauthorized inquiries removed from my Credit File. I was a victim of Identity Theft and I never authorized these inquiries neither allowed anyone to inquire on my behalf. Of all the letters I have been sending to the Credit Bureaus, the Credit Bureaus have also kept ignoring my letters. I am disappointed by these actions done by the Credit Bureaus. These inquiries must be removed under the FCRA section 605b : XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

On the XX/XX/XXXX I called my Citi classic card because I noticed that on my credit report it stated that the card was closed. I have never received a letter or notice I was only 7 days late on the card my due date was on the XX/XX/XXXX of every month. I use this card for rentals. I have been in good standards for the past 9 months. I was disputing charges with XXXX over a rental which was XXXX plus tolls. I didnt get a chance to even hear back from them yet but I did already call. I did call my card and spoke with a rep because this has never been a issue before and to close my card after a week of being late and reporting it as negative on my credit plus with still owing a charge is ridiculous. Its a pandemic. They told me that they could do that. I said well I have been in good standing for 9 months straight you couldnt even give me a break to figure this out if my name was XXXX XXXX or XXXX or XXXX I can almost bet that the conversation would have went a different way and outcome would of been different. No one reports a credit card closed after 1 missed or late payment not even if it is a secured card.
Product: Debt collection

I have no knowledge of why this is on my credit reports and have never received a written itemized breakdown of what this is.
Product: Debt collection

Every 2-3 weeks I receive a letter in the mail from a different collection agency. They are attempting to collect monies I don't have for medical debt that I did a settlement for with XXXX XXXX XXXX XXXX. I am not sure how these agencies are even obtaining information settled. So instead of me writing a letter to the agencies asking if they've obtained this information illegally or purchased the medical information, I am also going to begin reporting them. The newest agency is CBE Group , Inc XXXX XXXX XXXX XXXX XXXX, IA XXXXXXXX and the agency just a few weeks prior is XXXX XXXX XXXX XXXX XXXXXXXX SC XXXX. 

Let me begin by stating, Yes, I had over {$XXXX}  in medical bills because I did not have medical insurance coverage. It took me a year and a half to do so but I was able to get a 2nd job in the warehouse and paid off {$14000.00} of the medical debt I created. Of which a couple of XXXX XXXX XXXX XXXX bills were paid off. When I no longer worked at the warehouse due to the multiple surgeries on my left eye, I was paying little but what I could pay on my remaining medical bills. Then my full time job was cut down from XXXX hours a week to XXXX hours a week and then Covid comes which has made it challenging to find part time or another full time job. 

I had about {XXXX} in savings. So I reached out to XXXX XXXX, requested to do a settlement on both remaining balances that were roughly {XXXX} each and sent them 2 separate checks for settlement for {XXXX}. 

And every 2-3 weeks I receive a collection letter from a different agency in the mail for XXXX XXXX. I have not pulled my credit report since XX/XX/2020, and I hope they have not falsely impacted my credit report. These debts are settled. Now while I'm being transparent here, know that absolutely I did not want to do a settlement. I'd prefer to keep my name reputable and my word bond. However, I just did not have the means to pay them. 

May you advise how can agencies obtain settled debt information? Is this legal? 
The amount on this CBE Group letter is {XXXX} and service date XXXX and the amount on the XXXX letter is {$770.00} and XXXX service date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit score I saw that an account had been opened with XXXX XXXX in XXXX XXXX XXXX XX/XX/XXXX XXXX and was sent to collections. 


I disputed the accounts with both XXXX  and Experian and both agencies verified the information with the creditor as being correct, but I did not open this account. 

I have always lived in the state of Virginia but last year ( XXXX ), my mother went on vacation to XXXX XXXX and while she was there her phone, wallet, and other personal items were stolen ultimately leading her identity to be compromised. Again, I have never been to XXXX XXXX and I have never opened an account with XXXX XXXX in any state. However, I do believe that my identity has been compromised likely be the same person ( s ) that attempted to do the same as they did with my mother.
Product: Mortgage

Two names were on the title of the property. One of the persons on the title was employed with the loaning company called Synovus. That person received a loan with only that person 's signature ( the above listed person ) and the other person on the title did NOT sign in XX/XX/XXXX. The signee is now going bankrupt ( the only individual that signed for the loan ). There has been no release of the loan off of the property. In XX/XX/XXXX, no title search was done to determine if there was more than one person on the title. No title searches were done on the original loan or either of the renewals. In XX/XX/XXXX she renewed the notes on the property and the bank assigned rent. There is a possibility of repossession of the property against the person whose signature is missing from the loan. Later in XX/XX/XXXX a quick claim to the person whose signature is not on the XX/XX/XXXX loan was filed. The person who borrowed the money filed a quick claim to the other listed person on the title ( who never signed on any of the loans ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I mailed XXXX 's Card Payments a letter and a check in the amount of {$850.00} ( check number XXXX ). The letter was a contract that outlined an agreement that upon cashing the check, the account shall be settled as paid in full, agree to remove any and all derogatory reporting from all credit bureaus including XXXX, XXXX and XXXX, all collection attempts and activities cease and if contract is dishonored or violated they agree to compensate me. On XX/XX/18 the { {$850.00} } cleared my checking account. On XX/XX/2018 I called XXXX 's and spoke with Manager Assistant XXXX rep ID XXXX because I had received a letter from Citi Bank XXXX XXXX PL card, stating that they were unable to process my request, as they did not reflect that I had authorization to receive information on this account. Rep XXXX was able to locate my account and check ( which I also forward her a copy of completed deposited check via email ) and stated that my payment was not created to my account. She assured me that she would handle it. I also asked regarding the contract to be adhered to. Attached is a copy of the letter and cashed check that was sent. To this date, I have not seen an update of removal from my credit report regarding this account. XXXX 's is in breach of contract and has violated the terms of the agreements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX AR, XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX To TransUnion Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 


1. DELETE XXXX XXXX XXXX because it is reporting a different Balance Updated date for TransUnion on ( XX/XX/XXXX ). However they are reporting ( XX/XX/XXXX ) in the Balance Updated section on XXXX. These dates are inconsistent. Dont you get your information from the same company? Delete This Violation Immediately! 
2. DELETE XXXX XXXX XXXX because it is not reporting transferred or sold in the company sold, status updated or remarks sections of this listing. Additionally, it is a closed account that is still reporting chargeoff collection activity in the payment history, section of this listing for years XX/XX/XXXX, XX/XX/XXXX. {$410.00} Past due as of XX/XX/XXXX. Status Updated and Balance Updated on XX/XX/XXXX. " Delete for multiple inaccuracies. '' 3. DELETE XXXX XXXX XXXX XXXX because it is reporting a different Balance Updated date on TransUnion ( XX/XX/XXXX ). However they are reporting ( XX/XX/XXXX ) in the Balance Updated section on XXXX. These dates are inconsistent. Dont you get your information from the same company? Delete This Violation Immediately! 
4. DELETE XXXX XXXX XXXX XXXX XXXX because of multiple inaccuracies. 1. This  collection is reporting a Past Due Amount of {$150.00} in the Status Section. Aren't all collections late by default? 2. This listing has been re-aged to stay on my account longer. Isnt that a violation. 3. Additionally, they did not enter a notice of dispute when they updated the status on ( XX/XX/XXXX ) as required by 623 of the fcra. Delete Immediately! 
Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Included is my letter will inaccuracies highlighted in yellow, a copy of my State Id, Social Security Card, Utility Bill, and Least Agreement. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX
Product: Payday loan, title loan, or personal loan

Payments were being withdrawn from my account automatically. There were XXXX occasions when there were insufficient funds I wasn't aware that it would cause my loan to go into default status as the payments were still being withdrawn on a monthly basis. XXXXXXXX XXXX XXXX my loan. When I tried to have the loan reinstated and an explanation of why it was charged off, it took several attempts to get answers. XXXX told me to call Citizens, and Citizens told me to call XXXX. It was a lot of back and forth with no answers. XXXX XXXX XXXX action, and now I am paying XXXX, XXXX, XXXX & XXXX XXXX XXXX XXXX Now, I have XXXX charge-offs on my credit report. XXXX are from Citizens Bank XXXX and the third is from XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent certified letters to all 3 credit bureaus demanding they remove all collections from my credit report because XXXX XXXX XXXX along with their partner company Resurgent financial are NOT LEGALLY licensed to collect debt in the state of Alabama and when requested could not provide proof of purchase nor the purchase agreement as well as not being able to provide the terms of the purchase agreement.
Product: Credit card

JP Morgan Chase Headquarters XXXX XXXX XXXX. 
XXXX XXXX NY XXXX Dear sir, I have had the transaction with XXXX vending machine at XXXX XXXX XXXXXXXX XXXX to get a XXXX  of {$10.00}. Since I had an issue with this vending machine, which procedure was written on another printout, it ended up that you charged me {$10.00} twice. Even though I tried the transaction to refill my XXXX XXXX twice, I succeeded only once ; therefore, I should be charged only once. So please refund {$10.00}. 

Also, I found out your company refunded {$10.00} for XXXX XXXX in question for 5 times. But I am not sure XXXX XXXX for XX/XX/XXXX of XXXX even though I am not sure the price, if there was any charge for this game. It might have been free, or my son wanted to play this game so much and I paid for that. Anyway, I am not sure why the refund of XXXX on XX/XX/XXXX of XXXX was made ; even though he had used quite a long time until about high school. 

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

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.CHECKNGO/XXXX  XXXX Date Opened : XX/XX/2019 Balance : {$0.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

On XX/XX/XXXX, PHH withdrew {$0.00} from my escrow account for " tax disbursement ''. I called, since my tax bill was significantly higher ( {$2300.00} ). I was told that the {$0.00} was just a placeholder for the actual bill. However, a new disbursement was put against my account on XX/XX/XXXX for the full amount. The {$0.00} was not refunded. I logged into my online account again on XX/XX/XXXX to pay my bill online. I found yet another {$0.00} charge to my escrow account from XX/XX/XXXX. I called PHH, was assured that they would investigate and requested a refund of both false {$0.00} charges and they would reply within 10 business days. I have received nothing, no contact, no explanation, no refund.