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

For two years I have been trying to get XXXX XXXX and XXXX XXXX to leave me alone. Neither has shown proof that I owe the debt in question. I have complained to them, to the credit bureaus, and anyone else. Even CFPB. To no avail. 

I was being charged for internet services after I discontinued service because XXXX or whoever they were then, did not take account that I PERSONALLY returned the box on question. Literally. I was evicted. I did not live there and I had service with them, through my mom, at home. 

Why on earth would I keep a box, when I had a box and access to it already at home? Doesnt make sense does it. 

Now when I told them that, they told me they dont have a record. How am I to blame that they dont have a record of return? I havent had their service or that box since I moved out in 2018. They send the debt through a different company each time. It is categorically unfair they can continue to charge me, even though, they cant produce any evidence that I didnt return it. I asked them to check the cameras. I was there. I asked them to check my card the day I returned it. It was a restocking fee. They say it didnt happen. Regardless of what they are saying, I do not have anything of theirs anymore. I was in a promotional period allowing me to cancel. They are using this device as a means to get my to pay something XXXX dont owe. I refuse to pay for their error. 

Now, XXXX  XXXX is ridiculous because they refuse to discuss the matter of the closed card over the phone. However, when I went in they gave me an internal document that SHOWED the account was paid in full. I went in physically to the Uptown location in XXXX. That same day, they were robbed at the counter. I say that only to say there is a recording of me there discussing this issue with them and they admitted it was paid in full internally but since it was already submitted to the debt collection agency, it is up to them to remove it. 

HOW!?!?! 

Experian and all the other investigator arms of credit bureaus dont investigate. They do not ask anything of the companies. They take their word and service account poorly just to make sure they have some money to be made themselves. My credit account has been frozen since 2018 because that was the only way to get them to see these occurrences are unusual. 

They removed one, of the two, separate companies asking for money for XXXX but if one didnt have a claim to the money, the other shouldnt either. 

As far as XXXX  XXXX, who knows, maybe they in bed together? Idk. I do know I dont owe them anything. I even mailed the document to Experian and the others in 2018. I was told there isnt a record of anything. Yet, they responded to all other mailed in dispute forms. 

The credit bureaus should be working to help people out of these times. Not be in cohorts with the companies attempting to put low income people lower on the totem pole. This is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

My bank XXXX XXXX XXXX  informed me that I cant use Zelle through XXXX XXXX XXXX  because Zelle has put a permanent restriction on my phone number : ( XXXX ) XXXX and my email address : XXXX, even though, I have never had a Zelle account. I have never used Zelle or had an account with Zelle through any bank or credit union that offer Zelle services. So my phone number or email address shouldnt be restricted and I should be able to register my phone number and email address with Zelle through my participating bank. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed the Bankruptcies listed on my credit report, and have provided a Police Report verifying the information is the result of Identity Theft. XXXX XXXX has deleted the bankruptcies from my records. Despite this, Experian continues in its refusal to remove these items. A copy of the letter from XXXX XXXX is attached. Experian has a copy of my ID and the Police Report on file as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed information on my credit reports due to upon pulling my report for business opportunity, I noticed inaccuracies in the form of a bankruptcy, wrong personal information, unauthorized inquiries and I addressed these issues with this company. I included letters I wrote to Court and XXXX which is where they stated they verified the bankruptcy and I included letters from these same entities stating they did NOT and do NOT verify this information resulting in XXXX deleting the item from their record. I am very distraught because their lack of cooperation is not only hurting my credibility and character but costing me business opportunities as well. I recently suffered the loss of my veteran husband and I am trying to stand on my own without unnecessary setbacks. I am including the letters I received from the court and XXXX, the same letters I included to the company.
Product: Debt collection

Daily for the past week calls between XXXX EST. Since XX/XX/2023. Even on the weekends. Then calls every hour during the week. Sometimes one after the other.
Product: Credit card

I recently applied and was approved instantly for a chase slate card with what I thought per the offer online was for {$0.00} transfer fee and an introductory 0 % APR. After account approval I did n't see any confirmation that the balance transfers I submitted during the application process were going to be executed. So I called in to ask about the transfers and during that conversation the rep told me there was n't an introductory 0 % APR. I asked him to double check because that was what was advertised and why I applied. He confirmed that there was no introductory rate so I had to cancel the card, which is somewhat frustrating, not only for my wasted time but for the adverse impact this will have on my credit score.
Product: Debt collection

The account is completely inaccurate Date opened is inaccurate High Credit is Inaccurate Comments/Remarks are inaccurate
Product: Credit reporting or other personal consumer reports

I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. XXXXmmediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.
Product: Student loan

I attended the University of XXXX XXXXXXXX in the XXXX 's and early XXXX 's and originally owed about {$20000.00} and now with fees and interest, I owe more than {$100000.00} BECAUSE OF SYSTEMIC FRAUD IN THE STUDENT LOAN SYSTEM. 

Basically, MY LOANS KEEP GETTING SOLD AND RESOLD AND THERES BEEN NO COMMUNICATION IN THE PROCESS - PAYMENTS RETURNED - AND CONSTANT DEFAULT. I never know who my lenders are, what loan are in play and my payments get returned because the lender has changed and meanwhile, I go into default. 

This is a scam and for my student loans balance to have more than quadrupled is unfair and illegal based on the scam they have perpetuated against me and no doubt others. 

I believe this is a class-action issue. 

There have been NUMEROUS LENDERS OR SERVICER and I can only recall NAVIENT as being a primary source of this fraud BUT THERE ARE MANY OTHERS!!!!
Product: Money transfer, virtual currency, or money service

I'm writing to express my concern regarding zelle 's handling of disputes. I've used zelle numerous of times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They told me that recovering lost funds was impossible.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681i ( a ), you must complete this reinvestigation within 30 days and provide me a copy of the original creditor 's documentation file to verify this information is mine. Furthermore, FCRA Sec 609 ( a ) ( 1 ) ( A ) and Sec 611 ( a ) ( 1 ) ( A ) state that the original consumer contract must have my signature. If no proof otherwise Section 611 ( 5 ) ( A ) of the FCRA requires you to promptly delete these items. I demand these items be verified immediately. Thank you kindly.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is not my account, I did not authorize it and XXXX says they certify its mine after XXXX closed it and sent confirmation it was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2017 was reported late 60 days past due.
Product: Debt collection

Under duress and extortion from Midland funding, the company agents threatened to take my disability income and social security income and told me i have to ACH funds automatically to avoid my social security and disability from taken away from me. I just read that it is illegal what midland threats and extortions. I have been suffering from XXXX XXXX XXXX and sadness. I cant afford to pay my necessity bills as that {$100.00} is ACH. Please help me as they took so much money from me over {$900.00} already. thru duress. I am so so sad. The bill is in my husband 's name XXXX XXXX and I attached the evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX : {$28000.00} XXXX XXXX Balance : {$35000.00}
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.
Product: Credit reporting or other personal consumer reports

I recently checked my credit and noticed that there are 8 fraudulent accounts and 10 inquiries showing on my report. I have filed a police report and filed a claim with the FTC I will attach both to this complaint. I have been a victim of identity theft I recently checked my credit report because I was preparing to purchase a vehicle and I noticed that there are 8 fraudulent accounts and 10 inquiries showing on my credit report. I will list the name of the bank that the account was opened with ; the account number # ; what date the account was opened ; and the amount $ that the account is in debt. XXXX XXXX XXXX # XXXX opened XX/XX/XXXX {$15000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX {$37000.00} XXXX XXXX XXXX XXXX XXXXXXXX opened XXXX XXXX {$300.00} ; XXXX XXXX XXXX  XXXX XXXX opened XXXX XXXX {$400.00} ; XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX {$720.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX {$86.00} ; XXXXXXXX XXXX XXXX XXXX Dept of Human Services XXXX XXXX XXXX XX/XX/XXXX {$430.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$590.00}. There are also 10 inquiries showing on my report I will list the name of the bank that the inquiry was made and the date that it occurred. XXXX XXXX on 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 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 I have no knowledge of who opened these accounts and I did not give anybody permission to use my information
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$46.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are incorrectly reporting a charge-off in the amount of {$17000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( 1st and 2nd accounts ) - has late payments on, *Experian has ( 2- XXXX XXXX accounts reporting ) : [ 2nd account ] XXXX, XXXX, XXXX and XXXX of XXXX. [ XXXX account ] 60 days late December 2019, 90 days late January 2020, 120 days late XX/XX/XXXX. According to : *15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; - { Late payments are a transaction } - According to 15 usc1681a ( 2 ) ( B ) : The consumer report does not include Authorizations or approvals of specific extensions of credit. Any loan or Credit Card reporting to my consumer report is a " specific extension of credit ''. Therefore I request that the list below be deleted. Experian : -The ( 2 ) XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX- XXXX  ( 2 ) 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 XXXXXXXX XXXX My Privacy is everything and the Consumer Reporting Agencies must protect it in accordance to 15 USC 1681 ( 4 ). But, they don't, they have allowed the reporting of any and every account without my written consent.
Product: Credit reporting or other personal consumer reports

ADDRESS IS INCORRECT I BEEN AT SAME ADDRESS, ALSO By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 
It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months to a year. 

Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 th
ey are suppose to 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: Credit reporting or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX Balance : {$91000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$78000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX CPSXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$78000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

There seems to be an authorized account opened under my name. I did not Authorize unwillingly know I opened. The name of the organization is " XXXX ''
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

this information does not belong to me as well have accessed my personal information without my permission/consent