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

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act.

Complaint Summary : I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ).

On [ Date of Credit Report ], I discovered discrepancies in the following account ( s ) : Account Name : XXXX Account NumberXXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXXXXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPLETE FRAUD AND DECEPTION. I NEVER MADE A PAYMENT OF {$50.00} XX/XX/2019 THAT IS A XXXX  LIE. WHO IS XXXX? THAT IS NOT EVEN A PERSON THEY TOOK LONGER THAN 30 DAYS PERIOD.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting 4 accounts in my credit reports that I never authorized or opened. The following 4 accounts are all due to identity theft ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached, please find an identity theft affidavit filed with the FTC ( # XXXX ) and a police report. Pursuant to FCRA Section 605B, I am requesting the removal/suppression of these 4 accounts due to the fact that they are fraudulent and identity theft. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit reports.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries have been detected on my credit report.
Product: Debt collection

I am not liable for this debt with CKS PRIME INVESTMENT i do not have a contract with the collection agency trying to collect and reporting this debt to the consumer reporting agencies, they did not provide me with the original contract with my signature. are any terms and agreement. to continue to report this inaccurate information to the consumer reporting agencies is identity theft. it has been more then 30 days since i last reached out to this company and have had a response
Product: Debt collection

I have been diligently working towards improving my credit score in preparation to purchase a home, periodically I check with XXXX XXXX to see how it's coming along, last month, XXXX, my score had dropped by 23 points due to a debt in CCS from " XXXX XXXX '' auto insurance, XXXX, I do not owe this mainly due to the fact Auto insurance does not extend credit, you pay you are covered, you are cancelled if your payment is not made, over and above this factual dispute, XXXX. is trying to charge me for the " free quote '' as their slogan states, after requesting a quote I did not purchase a policy. To my surprise the following month my bill which is normally XXXX jumped to XXXX, I spoke with a XXXX. representative who offered only one choice to amend which was that I pay the entire amount then they would credit my account, under the circumstances I found this absurd. I had the new vehicle already insured with XXXX, I could not afford to pay for a " quote ''. I still have not received an official bill from CCS, I only saw this on my credit report score. I chose to take my business elsewhere, my right as a consumer. 

XXXX turned in a " debt '' of {$350.00}, when I did not renew with them, the 6 month policy was paid in FULL, again auto insurance does not extend credit, honestly, Where do these people get off? 

In finish, I have requested validation of these two " debts '', costing me energy and time for something I do not owe. My biggest concern is that CCS can turn this in without validation to begin with, I shouldn't have to provide validation AFTER CCS turned these in as unpaid debts and DESTROYED my credit rating.
Product: Debt collection

LITIGATION I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the XXXX XXXX therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX after their investigation on my account they said the account was forgiven and the account would be removed from my report. 

Nothing has been removed so im sending you the letter they sent me
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a home loan that was put into forbearance while being purchased and then paid in full but it is reporting that i have a late payment on my credit report during that time frame. There was never a late pay on my account. I have attempted to get this removed by going to the bureaus but have not been successful. Please help me to get the late pay removed from my credit report.
Product: Credit reporting or other personal consumer reports

after various attempts i had some items removed off of my XXXX Equifax and XXXX report. they were gone for some time and have recently appeared negatively impacting my credit score. there are also accounts showing different information. I've filed several complaints ; you can check my activity log and there you will also find the steps I have taken in the past the remedy the issue prior to this one. there is a lot of incorrect and misreported information and no company in question has submitted a wet signature, or produced documents to me that prove the items are actual. the following is from a previous complaint. the accounts involved are the same for this new complaint. ( ( in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN # and signature. INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. Thank you ) ) the following can be used to reference and locate previous evidence which in fact support the new claim XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act : Account Name XXXX XXXX XXXX  Account Number XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00}.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX, TransUnion, and XXXX for account number ( XXXX, XXXX XXXX XXXX ) which is a collection for a previously disputed ( XXXX, XXXX ), and ( XXXX, XX/XX/XXXX XXXX ) due to having no knowledge of this accounts or collection accounts. All companies, especially XXXX, has denied to follow up with the investigation. I was recently notified that CFPB has a lawsuit against XXXX. They accuse the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. XXXX has not attempted to remove nor correct any information or verify account to be mine. Im requesting this derogatory remarks be removed or correctly immediately as its affecting my ability to get a home and car. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

In XXXX, I started self, but their program messed up, and required me to create another account to report my rent because it would not let me setup an account the normal way. This was directly supervised by self employees, who said that I would not have to worry about my rent builder since it was connected to the account. This turned out to not be the case, and I saw a XXXX pt hit to my credit, while i am looking at new leases. This is because they closed that account in XXXX and stopped reporting my rent ( which i paid for by the way ). I have tried to contact them multiple times, but each time they deflect the call and say that there is literally nothing they can do because I have to speak to their ai chatbot on the computer. It has just become a game of cat and mouse and they have not even attempted to contact me within 2 weeks. This company has completely neglected to assist me, and I wholeheartedly now believe that it is with malicious intent.
Product: Checking or savings account

In XXXX XXXX, I gave stop payment instructions to Citibank online service ( online chat ) regarding a {$700.00} transaction with XXXX. I explained that the vendor delivered a defective light fixture and was unresponsive to my requests to return the defective product/cancel the order. I provided the vendor 's name and website and was assured that a stop payment order was in place. The chat history and related information is available in Citi Bank 's online chat system. On XXXX XXXX, XXXX, Citibank processed the {$700.00} payment. I immediately contacted the bank 's dispute center. Until this day, I have not received any refund or any documents in relation to the charge dispute.
Product: Debt collection

Basically, sunrise placed a collection on my report I never received a debt validation letter or anything
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX wrongfully trying to make me responsible for a Telephone bill, ( XXXX search States that AFNI is known for this kind of procedures ) XXXX  refuse to take this of my account stating that the information is accurate. 
I have never received any correspondence, the only reason I know about this is because of XXXX XXXX report. I have never used XXXX and have never ask for any kind of service they provide.
Product: Credit card

Wallet came up missing and resurfaced after a few days then I got the bills from chase banking, credit one and premier credit all over drafted adding up to about XXXX dollars. Mainly hurt my credit which I have been diligently trying to rebuild.
Product: Credit reporting or other personal consumer reports

My transunion and experian reports for my Mohela accounts are wrong and I have filed disputes. My subsidized and unsubsidized loans through Mohela are both paid in full. I cant get this updated on my credit reports despite uploading the letters from Mohela. 

When Mohela changed servers it I believed they changed the account number. On my credit report it says my balance is still {$790.00} despite being paid in full. When I try to dispute it Mohela tells them it is accurate. They do not have correct information and I have the letters from Mohela to prove it.
Product: Debt collection

XXXX XXXX XXXX This account was from XXXX a judgment was rendered XXXX with https : //XXXX there were no interest charges ordered for this debt however, XXXX has been adding monthly interest charges to this account, and reporting to the credit bureau as in an increase in debt with a current balance of {$110000.00} in an effort to continuously adversely affect my credit score each month in an effort to force me to settle with them to stop them from dropping my credit score each month this is extortion. 

Docket Entries : XXXX XX/XX/XXXX CIVIL FILING FEE {$80.00} LOCAL COURT COSTS {$20.00} DEPOSIT WAS PAID OUT AMOUNT {$100.00} ENTRY SENT TO ALL PARTIES. 
XX/XX/XXXX DEFAULT JUDGMENT : FOR PORTFOLIO RECOVERY IN THE AMOUNT OF {$1000.00}. INTEREST FROM XX/XX/XXXX AT THE RATE OF .000 % DEFAULT JUDGMENT : AGAINST XXXX, XXXX IN THE AMOUNT OF {$1000.00}. INTEREST FROM XX/XX/XXXX AT THE RATE OF .000 % DEFAULT ENTRY FILED. JOURNALIZED S/S GLW XX/XX/XXXX HEARING XXXX @ XXXX XXXX - DEF SCHEDULED BY : DE HEARING NOTICE SENT TO ALL PARTIES. 
XX/XX/XXXX MOTION FOR DEFAULT JUDGMENT FILED BY ATTORNEY XXXX XXXX XX/XX/XXXX CERTIFIED GREEN CARD # XXXX XXXX XXXX XXXX XXXX XXXX RETURNED FOR XXXX, XXXX SIGNED BY XXXX XXXX XX/XX/XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX SERVED TO XXXX, XXXX SUMMONS SERVED ON XXXX, XXXX. 
XX/XX/XXXX CASE WAS FILED WITH COURT DEPOSIT - RECEIPT NO. XXXX IN THE AMOUNT OF {$100.00} SUMMONS ISSUED TO XXXX, XXXX BY CERTIFIED MAIL. 
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX ISSUED XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There has been fraudulent activity noted on my credit profile. Reference to  Account- XXXX XXXX, reports a {$650.00} Balance. 


I have contacted Transunion and requested for Fraudulent activity to be blocked from my credit file pursuant to section 605B. My request is for the listed unauthorized creditor to be Blocked from my credit file. Transunion has failed to honor my request. I would like for this complaint to be investigated. As this wrongful information is hurting my credit worthiness. 

Please find attached a copy of my policy report referencing my identity theft as well as my United states issued Passport.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly ( 90 ) plus days late on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I filed for bankruptcy on XX/XX/2012. This loan was included in my bankruptcy and was discharged. The late payments reporting are AFTER the bankruptcy was discharged. This is a complete violation of the Fair Credit Reporting Act and these late payments need to be removed immediately and this line item needs to be deleted from my credit report. This false reporting of lates is seriously harming my credit score. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, GM Financial received ( certified mail ) my debt validation request. 

I did not receive a response from GM Financial until XX/XX/2018 Please note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} find per un-deleted item.
Product: Credit card or prepaid card

My mother in law purchased 6 {$250.00} giftcards for XXXX. In XXXX I went to activate my card and check the balance, {$240.00} or the {$250.00} had been used to make purchases in California. I am located in Utah. 

I called the company that issued the card " Prepaidgiftbalance.com '' and spend 1 hour and 30 minutes on hold. The person I initially talked to " passed '' me to a second person - that took an additional 30 minutes on hold to speak to. So I held for 2 hours. 

This person took my information and promised to send an " arbitration form '' - and that it would be mailed the next day. I did receive the form but the form stated I had 10 days from the date on the letter to file a complaint or my complaint would become invalid. By the time I got the form, I had ONE DAY to send in. I completed the form, faxed and sent by certified mail and I have not recived a replacement card or any correspondence from XXXX. 

Looking on line, there are literally THOUSANDS of complaints against this company for fraud, so many that I am astounded they're still operating. I think US Bank actually is the owner of these cards, and I can not believe US Bank is okay with this. But I guess it's all about how much they make. In this case, US BANK has stolen {$1200.00} of my mother in laws money and made it almost impossible for any kind of recourse. 

My next point is if XXXX is legit, how did ALL 6 of the card my XXXX in XXXX bought all have fraud on them - I'll tell you why. Someone is leaking the card numbers to their friends who work at XXXX and other retail stores. This wasn't some random " your card was compromised '' this is theft. It's THEFT from US BANK and from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is not supposed to share my information with third-party people. This is a clear violation of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

A business called XXXX, located at XXXX XXXX XXXX XXXX, XXXX, KY XXXX ( also XXXX XXXX XXXX, XXXX, GA XXXX ) Phone Number ( XXXX ) XXXX, sent me a letter dated XX/XX/XXXX. 
The letter informed me they had a cybersecurity incident in XXXX XXXX. I had worked for two of their restaurants in the past- XXXX XXXX and XXXX XXXX. They indicated that exposed files included my name and social security number. 
They said they were providing complimentary credit monitoring and identity protection services for 2 years via XXXX. 
When I contacted XXXX to sign up for the services offered by XXXX which required I submit certain documents, including a notarized form for Power of Attorney, after being activated on their XXXX 's web site the site listed only a single monitoring service? So I called XXXX today to verify the documents I sent them had been received and asked about their service. I was informed that XXXX has been contracted with XXXX to only monitor TansUnion 's credit reporting activity. 
I attempted to contact XXXX and got the run around - no answers, busy, voice mails- ultimately I could not reach anyone at XXXX to ask why the service only included credit monitoring of only one major credit bureau - TransUnion. Also after contacting the number in the letter and providing the Enrollment Code the employees at XXXX never informed me they only monitored a single Credit Reporting Bureau - because there are in fact 10 credit reporting bureaus I am aware of ( 4 major and 6 sub-prime ). After enrolling, mailing documents, then visiting the " XXXX XXXX ' provided to me at XXXX 's web site did I see the inference that only one credit bureau was monitored.
Product: Checking or savings account

On the morning of XXXX XXXX I saw that Id received texts and emails at XXXX of all of my banking information ( phone number and email ) being changed without my permission and {$1100.00} transferred out of my account without my permission. 

I immediately contacted Chime over the phone and by email and filed a police report with the local police. I provided screenshots to each of them of the evidence. I was informed that they would do everything to resolve the matter and while under investigation they would issue me a credit to cover the amount. Tonight on XXXX XXXX, I received an email stating that my dispute was closed and that they detected no fraud even with all of the evidence I provided them. Ive never made a Pay Anyone transfer before and only use the account to pay credit card bills and rent. The money stolen was my rent and I will be facing eviction without it. 

I am told that it will take 45 calendar days for them to review the investigation and I will not receive my money back in the meantime.
Product: Checking or savings account

I contacted Wells Fargo about a claim that I filed against a merchant ( XXXX XXXX XXXX mall ) that is clearly scamming customers on multiple reviews that are published against them that show when a customer makes a purchase and tries to return the product even the same or next day that they wont honor the return policy on the receipt that clearly states that you have 30 days. I filed the claim XXXX after the purchase and never even used it as I purchased it as a late XXXX gift. They sold me a display model clearly and of course I get trapped with the item since being a display model shows small scratches and a clear indentation of where a mannequin wore the bag which I didnt see until I got home. I also unfortunately did not see these reviews until after I made the purchase. I contacted my bank and they didnt help me at all and told me I can take that company to small claims court haha unreal! Worst banking customer service I have ever received and experienced. They closed my claim without even giving me the chance to submit supporting documentation or evidence. HORRIBLE