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

hi my name XXXX XXXXXXXX XXXX live in XXXX XXXX XXXX XXXX XXXX XXXX ga, today i am wrinting to cfbp on this credit refort. i am try to talk to XXXX about 2 month now i still not getting anywhere. in this is all company that pot in my credit report all hard inquiries that i only one to check to see am i qaolify or not .what i understand that if sofrt inquiries.that they are not in hard .but soft here some of the company 2 XXXX XXXX XXXX on my XXXX  XXXX  XXXX XXXX XXXX tx XXXX they have 2 in there in one month i wan them of 2 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  de XXXX same thing i tall them to take of but they not do it XXXX XXXX  XXXX XXXX XXXX  de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXXca XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX az XXXX all this company i talk too they tell me nothing they can do only credit bereu can take is of they cant sol today i talk to XXXX  agian XX/XX/2021 the bereau toll me they cant do anything
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act FCRA to conduct a reasonable re-investigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. 
CFPB has recently filed a law suit against Experian. Alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed Items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by EQUIFAX. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 is the inquiry that is still reporting on my account : XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX
Product: Debt collection

Resurgent Capital Services is attempting to collect a debt that is not owed. 
I have never entered into a contract with Resurgent Capital Services or LVNV Funding LLC. 
I have made repeated request that the company validate the debt, all the while the company provide a deceitful claim as proof. 
This debt is being reported as a new debt every month by the company along with negative information sent to the credit reporting agencies. 
I submit that the company Resurgent Capital Services has violated multiple statues of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. ) 1692p
Product: Credit reporting or other personal consumer reports

Hello there! 

Within the last three months of XXXX TransUnion started to report a closed in debt account called XXXX XXXX XXXX on my credit report. This is problematic because I do not own a debt with XXXX XXXX XXXX  & I do not owe any debt to the apparent original creditor. I called the original creditor and demanded their fraud department help me out with this one. They didnt bother helping after saying they would reach back out. Then I tried contacting XXXX XXXX XXXX to no avail. Finally today on XX/XX/XXXX, I see that that not only is Transunion still reporting this fraudulent account as mine but they also changed the status from CLOSED To REOPEN this is extremely inaccurate. I demand Transunion remove this account off my credit report immediately. 

To confirm, I NEVER opened an account with the original creditor or XXXX XXXX services. I gave no authorization for no account to be opened under my identity. I also gave no authorization for this debt to be listed as mine without the credit bureau properly validating it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've got a collection debt on my credit report for {$4200.00}. I talked to the collection about this account over and over again. They keep telling me that I'm not in their system anymore because the company that I owed, I paid. I never should of been sent to collection in the first place. I talked to the original company that sent me to collection and they said they made a mistake by sending that to collection so they withdrew it. Now the collection agency that they sent it to keep reporting it. They said I'm not in their system but when I talked to XXXX  to find out why they keep reporting it, they said it's the collection fault. Every time I talk to the collection agency they hang up in my face or is very rude to me I have recorded calls and all. Now they won't even respond to my dispute and just keep reporting on my credit. I'm so frustrated and don't know what else to do. 

I ask them to send me information stating that I don't owe them but they keep telling me they can't because I'm not in there system. I don't get it. You report me every month but I'm not in your system? That don't make sense.
Product: Credit reporting or other personal consumer reports

This complaint regarding the inaccurate credit information being reported. I am greatly distressed by the inclusion of this detail in my credit profile, as they have adverse effects on my otherwise positive credit history. It is imperative to adhere to credit reporting laws, which mandate the reporting of only accurate credit information. Undoubtedly, the inclusion of this erroneous information is either an error on your part or on the part of the reporting creditor. 

The inaccuracies on my credit report have resulted in unjust denials of credit recently, causing considerable embarrassment and negatively impacting my quality of life. Therefore, it is crucial that this information be promptly verified and removed from the report : XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per 15 USC 1681G ( A ) 1, 15 USC 1681A ( 1 ), 15 USC 1681 ( A ) D ( 2 ) ( A ) ( I ) : MY RIGHTS HAVE BEEN VIOLATED AND IGNORED! 


I want this auto loan deleted from my credit report immediately. I have asked for about 1 year now for it to be removed. This is does not belong to me. It is fraud. XXXX XXXX has yet to provide verification of this alleged debt. I have requested every document they have with my name and social security number attached to be sent to me and they refuse. They have violated my privacy by sharing my personal information with other agencies without my consent, they have damaged my employment and other opportunities to extend credit, committed identity theft against me and did not provide information on how to opt out of third party sharing of my private information. This is a violation of my consumer rights. 

Delete and never repost this account on my consumer reports ever : XXXX XXXX Do not claim this is not me. I have sent my id attached as well. That is a stall tactic that you use.
Product: Credit reporting or other personal consumer reports

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Please help me out and submit my complaint to the bureaus as soon as possible!
Product: Bank account or service

I recently deposited a {$7000.00} check into my account at Chase bank, this is something that I have done in years past. I have now been told that this is unusual activity and have froze me out of my account entirely. They are now asking for me to speak with the maker of the check which is not a possibility because the maker of the check is XXXX and does not have a car to get to a branch. I have spent 6 hours on the phone with chase trying to resolve this issue and I have been lied to on several occasions by being told that Chase calls the maker of every single check written and deposited into a chase account. I have been labeled as a criminal, and accused of fraud and I am tired of being harassed and lied to by chase. I have shown them check images of previous deposits, and that was not enough to show that this was not an unusual activity. After several phone calls with chase we were told that a notarized letter would work to verify that the maker of the check wrote the check, while writing this complaint right now the joint holder of the account is on the phone with chase and now they are saying that a notarized letter will not suffice to un-restrict the account, so yet again I have been lied to by chase. This is completely unacceptable and I am sick and tired of being lied to. I also received a direct deposit put into that account and now Chase is holding my paycheck from me and will not let me access my paycheck. I have had enough of chase and this is unacceptable. No one should ever bank with chase they illegally hold your paycheck, and they will lie to you and hold onto your money with no reason and close your account with no notice. Oh and if they do not receive information that they " require '' which is not required by law, they will steal your money and not allow you access to money that you have earned on your paycheck. NEVER USE CHASE they will swindle you out of your money.
Product: Debt collection

Acct appeared on my credit report I have not signed a contract with l j Ross I have no knowledge of this acct and demand it be removed from my credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent. 

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file.

Requested Actions Immediate blocking and removal of the fraudulent account listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting these fraudulent accounts on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, these accounts have already been deleted and not verified by other bureaus, which raises concerns as to why they remain on my report. 

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete these accounts immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case. 

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.
Product: Credit reporting or other personal consumer reports

my name was exposed in a data breach my personal informations were leaked and compromised some accounts and inquiries I don't recognize I want all the inquiries and negative items deleted from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX 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 : it also state a consumer reporting agency can not furnish a account without my written instruction. 
15 U.S.C. 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being reported for having negative credit or late payments for accounts that I no longer have I account has been closed there's no way that I can make a payment on an account that is closed I have no idea why all of a sudden I'm being reported for having a negative payment to an account that I don't even have access to anymore and has been closed since the beginning of last year XXXX i'm also having issues withbeing reported as having adverse credit I'd have no idea who is reporting me for adverse credit I think it's very unfair because I found bankruptcy in XXXX  two years of six years ago seven years ago I'm sorry and there's all of a sudden an adverse credit that is being popped up every time that I try to file for credit I have no credit I have student loans that I have on my account and two collections that did not belong to me that I found respect disputes onI don't know why does adverse credit re being recorded and I wish that it would stop or at least give me an explanation of what is adverse on my credit report this has stopped me from being able to do a refinance on my house which ultimately foreclosed on it is stopped me from being able to get credit for my for student loans and I'm at the last year of my college my XXXX XXXX XXXX and I'm unable to find alone to pay for my education because of this this is stop me from being able to get credit in general and I have no credit I want to know why the agencies are reporting adverse credit I also want them to remove late payment fees for accounts and account one account that has been closed that I no longer have access to since XXXX is my credit score being dropped XXXX points when I have not had any credit also when I had to move from my house I was applying for credit to buy a camper and the same company that I applied for the camper for reported my credit five times There's five times with three different companies that ran my credit five times since on my inquiry report which lowers your credit score I don't think that's fair and I think that should be removed if it's being reported for the same thing such as a car or camper or a loan from the same company It should not be listed five times which raises your inquiry credit scoreThank also I believe that this type of credit report and is race related and that they purpose that you guys are purposely doing is to XXXX XXXX people so that they may not be able to get received a credit or be able to get the credit that they deserve There's no reason why my credit score should be going down XXXX points when I have no accounts no bills that are that I have that are due to me and that I had to file bankruptcy because of identity theft which is known by the IRS social security and has been reported to you guys or should I be getting adverse let it sent to creditors when I apply I believe that this is targeted
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft. I have a credit card account open in my name and over XXXX hard credit inquies made on my report alone last month. I was able to solve the problem with XXXX and partially with XXXX XXXX. At least they're communicating. However, Equifax acts like my own enemy. 
I wasted 8 hours yesterday being transferred from one phone agent to the next, refusing to verify me online and on the phone after each one asking me 10 mins to verify myself then transfer me to a co worker. Today the same thing. I asked to be transferred to a supervisor, they transfer me to a survey and they hang up. All they're interested in is selling me credit monitoring alerts.
Product: Checking or savings account

This account was open fraudulent in my name and now they say I owe a balance
Product: Debt collection

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Agency did not validate or provide any information. The balance shows {$600.00}, but the names on the credit report are XXXX, XXXX, and XXXX are unknown. 
1. No Validation. By FDCPA, US 15 U.S.C 162g 2. No signature that I put on the contract guaranteeing that I would pay this creditor.

3. No copy of the original agreement or contract showing my responsibility for this debt.

4. Nor is there any insurance claim found on this debt.

5. Plus proof that they are authorized and have the chain of title to collect this debt, including documentation of any transfer of ownership or assignment.

6. Information could be breached and shared without consent
Product: Bank account or service

My experiences with Navy Federal have been poor the last month. I 'm a XXXX XXXX member, so there has never been any question of my qualification to join. Sent proper paperwork to membership. Received welcome e-mail and applied for credit card, checking plus savings, and checking line of credit same day. Until a month again my account got hatch, I lost my credit card and someone withdrawn money out of my account. Navy blocked my account and they also never notified me on this action. They refuse to let me talk to a manager for about 4 months. Now one wanted to help me and they even told me i had to pay it back and make me over draft over {$6400.00} by someone who had gotten my checking account and savings account information number. I asked NFCU to investigate but they told me " it just was n't worth it ''.
Product: Debt collection

This started back on XX/XX/XXXX, FTC file number XXXX was filed for someone buying XXXX XXXX XXXX merchandise in the amount of {$810.00} two different times, I called XXXX XXXX XXXX at XXXX XXXX on XX/XX/XXXX spoke to XXXX there was nothing in system with my name on it at all, she transferred me to XXXX General customer Mgr who also looked into this and could not find anything relating to me even from the Debt dept. XXXX XXXX XXXX  fraud number called was XXXX XXXX XXXX ) XXXX. The address that showed up on credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, never been to this state at all!!! 
The agency who was holding the debt was called XXXX XXXX at ( XXXX ) XXXX spoke to XXXX he said it was a Non Existing Account. It was taken off both XXXX & XXXX accounts immediately and I was told that this would happen to all 3 reporting credit agencies so I would not have to call each and everyone of them. XXXX wanted my cc number on page to help me like {$40.00} for something I never needed so I canceled it Now on XX/XX/XXXX suddenly ENHANCED RECOVERY CO L put this debit on my credit report as past due since XX/XX/XXXX. This is not my Debit nor my Charges in Fact I want video and I want signature proof of Purchase I also want stores and address. AGAIN all others removed this fake debit from reporting instantly way back we it first happened all my credit score is XXXX XXXX is always reporting it at least XXXX pts lower how is that even legal XXXX my on my home loan, car loan and now bank loan with the interest rates!!!! Another outdated broken American system
Product: Debt collection

I am writing on behalf of my XXXX year old XXXX. She is paying on her grandson 's XXXX XXXX XXXX loan, however they call her day and night requesting that she pay it off in full or they demand a very large payment. They threaten her with foreclosure and lawsuits. She pays monthly and they still call, they even call her on holidays. She asks them to stop calling and has put it in writing and the harassing calls continue. They 've told her they 'll call when ever they want and will continue until she pays off the loan. These calls are making her XXXX and I need to know what we can do to stop this harassment?
Product: Credit reporting, credit repair services, or other personal consumer reports

Misleading False Reporting These accounts are negligently and inaccurately reporting failing to comply with 15 USC 1681. These are the collection 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX