23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

We have booked a vacation rental for the last week of XXXX with an agent XXXX XXXX ( of XXXX  XXXX  ). We have contacted the agent through email and by phone. Here are the details provided by the merchant. We were not provided the vacation rental as promised and the agent has stopped responding to us, despite our efforts to reach out to him via email or phone. 

We have followed up with XXXX through a dispute and they have closed the dispute when Transferwise refused to honor the dispute. 
We have made a credit card ( XXXX ) transaction through Transferwise who transfered the funds to XXXX XXXX Property Managing Director : XXXX XXXX Listing Company : XXXX XXXX XXXX Property Owner : XXXX XXXX Property ID : XXXX XXXX at the second floor Property Location : XXXX XXXX, XXXX XXXX, Florida, United States of America
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I became aware that Equifax was hacked, and sensitive consumer account information was stolen. Upon learning this I went to www.equifaxsecurity2017.com to see if my account was impacted, and discovered that it was. I immediately called XXXX to place an initial 90-day fraud alert on my account. I then requested my annual free credit report to determine if there was any information that I should dispute. There was not, and I also took the opportunity to file the same fraud alert on that website in addition to filing the alert with XXXX.
Product: Debt collection

Bank of America is reporting an account on my credit which they claim to have verified through my disputing process with both XXXX & XXXX. I have sent both bureaus dispute letters, method of verification letters & sent Bank of America a XXXX letter requesting all documentation including any original sign agreements/contracts which verify this account truly belongs to me. I believe all the companies are not following the FCRA & using XXXX or some other type of automated system to verify this account. The address tied to the file ( which I found through XXXX report ) does not belong to me nor have I ever lived there or received mail. I originally disputed the account in XXXX 2016 & just finished disputing the account again through the bureaus normal channels. Since the bank has been unable to provide a signed contract or any other legal documentation verifying its validity I would like this account removed at once ... and all records of the account removed from my credit reports with XXXX & XXXX. For the record XXXX deleted the account without incident in XXXX when I first disputed it. I 'm attaching all records & documentation. Lastly, I will not accept copies of documents. I have no idea if they 've be doctored or fraudulently created to eliminate their responsibility. Bank of America has been sued for robo signings & their lack of response to my original requests just appears to be an attempt to not follow the law again ... please remove immediately. 
important dates - XXXX XXXX, 2016 - letters sent to XXXX & XXXX disputing Bank of America acct XXXX XXXX, XXXX - XXXX letters sent to Bank of America & XXXX letters sent to XXXX & XXXX XXXX XXXX, 2016 - letters sent to XXXX & XXXX for removal of unverified information
Product: Credit reporting or other personal consumer reports

The company is in violation of my consumer rights as outlined under the FCRA. According to the FCRA, all information on a consumer credit report must be 100 % accurate and verifiable. 
The company has included fraudulent, inaccurate accounts on my consumer credit file making the min violation of the law. I am a victim of identity theft and have no knowledge of these accounts. I have reported this incident to the FTC and included a copy of the report with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : DELETIONS TO CREDIT REPORT Within the copy of my credit report which I have received recently, I found items of concern for which I do not recognize. Pursuant to FCRA 623, I am demanding their removal. I have indicated the items below. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION U.S. DEPARTMENT OF EDUCATION According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. A person shall 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. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax demonstrated gross negligence in its credit reporting practices, allowing millions of records to be stolen and then using a randomly generated answer to inform people if their information was potentially stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 3 Credit Bureaus in XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts listed below. I have attached the copy of my report showing the accounts as well as my certified receipts of my letters requesting that the bureaus do a full " investigation '' of all of these accounts and every piece of information. 

According to the FCRA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquitted or who may have knowledge concerning any such items of information.

The Bureaus stated that these accounts are verified, which is completely false, due to the fact that not one Bureau completed a full and legally proper " investigation '' according to the law.

Every piece of information on these accounts is still not being reported 100 % accurately, and the FCRA 15 USC 1681 states that everything on a consumers report must be reported accurately.

The credit reports are attached showing these inaccuracies.

The bureaus have failed to follow the law and continue to allow this false and unlawful information to be reported on my consumer report. 

These accounts should all be deleted and blocked from my consumer credit report. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Card there is no balance or money owed
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate accounts on my credit report XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX - {$490.00} XXXX XXXX XXXX {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the major credit reporting services refuse to remove a XXXX account that shows an amount due of {$130.00} when the amount owed is XXXX. I had ongoing disputes with XXXX and they ignored my multiple requests to close the account and CREDIT me for defective copper cable and other service deficits. This is a telephone utility, how is this listed as a credit account? My score dropped about 40 points because of this fraud perpetrated by XXXX.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX : # XXXX 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. 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. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
s/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2021 I closed a home on XXXX XXXX in XXXX, California, as the selling party. Quicken was the loan servicer. 

To date Quicken has not sent me the {$810.00} settlement check for the overpayment that I made at the time the loan was closed. I have attempted to contact them and just get sent from department to department. I have spent more than {$810.00} of my time trying to recover the funds that they are now illegally holding.
Product: Debt collection

I have ask numerous time for the credit Beurus/ Collection Agency to Show proof as this being my account as the FCRA requieres. With no success this account does not belong to me. Unless it can be proven otherwise I need this account deleted. XXXX/XXXX deleted the account as the collection agency did not provide proof as requested but this account continues to be in my XXXX.
Product: Debt collection

This debt was paid off almost two years ago, I paid the debt almost {$600.00} dollars to this debtor. I called obtained my final bill amount the male representative gave me a amount I explained to him the send a bill every two weeks and to please advise me what I am being billed for he stated honestly he did n't have any idea he only shows my payments on accounts told me to pay {$250.00} last bill it was paid and they sent a independent contractor to my home to pick up my equipment and that was it I switched my services. I have seen on my credit report where this same debt has been removed five times and now they placed it back on my credit I am upset about this and I feel this should not keep appearing on my credit report as I have paid this off and have my bank statements to prove it. XXXX is a very unfair company who gives you the run around and keeps charging people for ridiculous amounts twice within the same month not monthly and ca n't explain what exactly you are being charged for this has been on going for almost three years now with this being now XX/XX/2017 and they removed the same debt and have placed it back 5 times they should be ashamed of themselves I would never recommend XXXX to anyone!!
Product: Debt collection

I am writing to bring to your attention a matter of utmost importance concerning my credit report. After thoroughly reviewing my credit history, I have discovered several discrepancies and inaccuracies that suggest a case of identity theft. I request your immediate assistance in rectifying this situation. I have attached a copy of my identity theft report filed to substantiate my claim. Your prompt attention to this matter is crucial to mitigating the damage caused by this identity theft and restoring my creditworthiness. 

Below are the details of the discrepancies I have identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed XXXX XXXX XXXX from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I have found several accounts listed on my credit report that I did not open or authorize. These include credit cards, loans, and other financial accounts that do not belong to me. 

Assist me in the process of reporting the identity theft to the Federal Trade Commission ( FTC ) and obtaining an identity theft report. I understand that addressing identity theft can be a time-consuming process, but I urge you to act swiftly to rectify these issues and restore the accuracy of my credit report. Your cooperation in this matter is crucial to protecting my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

-XX/XX/2018 a Dispute was open for 3 unverifiable accounts. Within 30 days a response was received as UPDATED and/or VERIFIED. There was no verifiable proof ( an original consumer report with my signature on it ) mailed or emailed to me. 
- XX/XX/2018 a second Dispute was opened where I have requested that the VERIFIED and UPDATED account are sent to me with proof of my signature on the Original Consumer Report. Within 30 days of the dispute A response was received Consumer Disagrees I have yet To receive the original creditors documents with my signature but the account still show on my credit report. 

As for XXXX - The same has happened as stated on XX/XX/2018. 

On XX/XX/2018 a second dispute was opened and I have not heard from XXXX since the Dispute response for XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I called TransUnion and XXXX to inquire about about the fraudulent hard inquiries on my credit report. I requested the inquiries to be removed but was unsuccessful and have not received a response yet. I feel like Im being taken advantage and my disputes are being ignored. Also Section 611 ( a ) it states that failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report.
Product: Credit card or prepaid card

My identity was stolen ( including my Social Security number ) and was used to open up loans and credits cards from around XXXX to XXXX. I reported this to the police and made a police report in XX/XX/XXXX. I did tell them about Capital One and several other companies, but they were not listed in the report. I do not have a legitimate suspect to name as I do not have evidence. Around XX/XX/XXXX, a case was opened up with Capital One 's fraud department. A fax service I used failed to work and so the case was closed with my being at fault for the account. They did not send me any documentation regarding this resolution to my current home address. 
A couple of months later, in XXXX, XXXX sent me a credit report saying that the Capital One account I had disputed was added back. An agent told me that they had verified my identity using public information. 
The thief had used a number that I had never used but was associated with me in public records. I believe this is another faulty methodology as a tactic used by identity thieves now include adding false information, such as phone number and addresses, to public records. I was told over the phone to send over an affidavit, my lease agreement, and the police report. All were sent over but I was told multiple times that I needed to include a suspect name and list the card in the report. A member of the XXXX Sheriff 's Department told me that they could not list the card and I could not name a suspect without evidence. Despite this, Capital One requires me to do both, and refuses to go forward with the case until I do so. 
Capital One Case Number : XXXX. 
Account ID : XXXX. 
I had never received the card nor have I opened a Capital One account. The balance as of XX/XX/XXXX on the fraudulent account is {$1600.00}.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed that there were unauthorized inquiries showing without permissible purpose that i did not consent to and id like to have them removed. I tried contacting this company directly and struggled getting a representative on the phone. The inquiries id like removed are below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for an through investigation to be done on my consumer report and noticed inaccurate information reporting has not been corrected. I've included certified mail receipts XXXX # XXXX Equifax # XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am of victim identity theft and have contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and Experian 3 times since XX/XX/2023. I have provided them with a copy of my police report, FTC report, ID, SSN and bills serval times. And they refuse to remove these fraudulent accounts and addresses. They have also reinserted fraudulent information back on my report without notification and some items they have refused to remove them from my credit report. The accounts are as follows : Fraud AccountsXXXX XXXX XXXX # XXXX Bal. {$4100.00} Opened on XXXX, XXXX  XXXX XXXX # XXXX Opened on XXXX, XXXX XXXX XXXX XXXX Bal. {$1200.00} Opened on XXXX. Fraud Address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX I am requesting that these fraudulent accounts be immediatly removed from my credit file. I did not open these accounts and they do not belong to me
Product: Money transfer, virtual currency, or money service

Several purchases for XXXX  XXXX XXXX by XXXX were made without requiring payment verification for a total of more than {$300.00} between XX/XX/XXXX and XX/XX/XXXX. My grandchildren were playing the free games I downloaded, but they DO NOT know my PIN and I did not use my fingerprint to approve the purchases. Verification was turned ON in the Google Play settings, but clearly didn't work. Google charged my XXXX account without verification. I disputed 1 charge which Google removed, but now the dispute button is gone so I cant dispute the other XXXXcharges!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXXXXXX solar account with Experian ( report # XXXX ), they claimed it was investigated but determined it was valid. I have never signed any contract with XXXX, XXXX allowed a tenant to sign for solar and when I complained to them they refused to do anything.
Product: Mortgage

I got an email from Rocket Mortgage that my mortgage servicing is being transferred. I called to see if there is anything I can do to keep Rocket Mortgage. I chose them for my business for a reason. Rocket Mortgage would do nothing. 

I find this practice to be very troubling. It's like I'm not an actual person. Companies can do whatever they'd like to make more money off of us. I don't understand how our government allows this practice. I had no choice of where my mortgage was sent to for servicing. 

I have paid every payment on time. I feel like if I had made some late payments, my account would have been " randomly chosen '' to be sold to a different company, because it would be an even more profitable account. 

This is like paying for a 5 star roofing company to install a new roof, but after contract is signed and the project is all ready to go, they sold the work to a 2 star company and you have no say now in who completes the roofing. You're getting your roof still, right? 

Please help the consumer on this. This isn't right. It's frustrating and can happen at no end, but we can't choose to transfer our mortgage elsewhere without refinancing and currently right now, that means paying more.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Product: Credit card or prepaid card

On XX/XX/18, I purchased a washer and dryer on the Home Depot website. I was shown an offer to apply for a credit card to get XXXX off of my order. I proceeded with getting the credit card. But, on my statement the XXXX discount was not applied. I called in and was told that the credit was not valid for my order because the washer and dryer were on sale. If the items in my cart were ineligible for the discount, it should not have been offered. 

On XX/XX/18, I spent over 30 minutes on the phone with a variety of Home Depot departments. Eventually I was transferred to XXXX, XXXX, in Resolutions. She offered a gift card for the XXXX, but would not apply it to the purchase.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX