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

Hello : I contacted the bankruptcy court in my jurisdiction, XXXX, CA, and asked them about the bankruptcy reporting to the credit bureau. They stated that they do not provide the credit bureaus with this information. I then contacted Equifax, because they list a bankruptcy on my credit report ****with an account/docket number that is not mine*** and which I do not know at all. I sent two letters in XXXX of XXXX, stating that the account number is incorrect and that the Bankruptcy court, according to the bankruptcy court, does not provide information to the credit bureaus. Since this information is inaccurate, I want it deleted. 


Equifax states that they conducted an investigation, but this is false on its face. The reason is the following : If you look at the date verified, you will find the date of : XXXX/XXXX/XXXX. So, how is an investigation being conducted at all if my TWO letters are sent to them in XXXX of XXXX? ( Please see attached where it states : Date Verified ).

Equifax violates Section 611 of the FCRA which states : " In general, subject to to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file is a consumer reporting agency is disputed by the consumer and the consumer notifes the agency directly ... the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and the record THE CURRENT STATUS of the disputed information, or delete the item from the file in accordance with paragraph 5 ... '' Equifax also violates Section 609 of the FCRA which states in section " ( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( 1 ) [ 1681 e ] that procured a consumer report. '' Also, how does Equifax explain the inconsistency of me being told that they do not verify with the bankruptcy court -- -and then they ( Equifax ) list on the bankruptcy reporting that. 

Furthermore, and finally, according to the FCRA my report is supposed to be completely accurate. I do NOT know " Docket XXXX '' ... if that is my docket number, show me any documents that I have which state so. But I believe, otherwise, it must be deleted. 

Finally, and a more minor thing, Equifax has a hard inquiry of XXXX account, but when I asked for documents of this -- -since I do n't have knowledge of it -- -they " verified '' it. I would like them to produce copies of my signature for CFPB and me alike ....
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX - XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

This account is sitting on my credit and it should not be on my credit due to identity theft. 

Account Number XXXX Account Type Credit Card, Terms REV Account Status Paid account/was delinquent 60 days past due date Payment Type Revolving Responsibility Individual Opened On XX/XX/XXXX Account Age 5 yrs Reported On XX/XX/XXXX Acct. Condition Closed Months History 12 Payment Status Date XX/XX/XXXX Credit Limit {$200.00} Current Balance {$0.00} Highest Balance {$320.00} Payment {$0.00} Past Due {$0.00} Most Recent Payment XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am in the process of trying to buy a home and when the mortgage broker pulled my credit and we seen that there are damages on my report and according to 15 U.S.C 1681 there should not be damages reporting on my report that is a defamation to my character. According to the ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has failed to verify debt within 30 days requested. Attached is my debt validation letter dated XX/XX/2021 marked as ( Exhibit A ). XXXX XXXX XXXX admitted in their letter dated XX/XX/2021 ( Exhibit B ) that they do not have the original certified verified validated contract with wet-ink signature on it. They admitted to not having any original loan documentation in their possession. Copies of copies are not validation and by law are not considered proof. XXXX XXXX XXXX is in direct violation of 15 USC 1692 ( g ) and Section 809 ( b ). They have failed to verify debt within 30 days. Please remove this invalidated unverified account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been looking and observing over my credit a noticed multiple fraudulent inquiries on my report, The fraudulent inquiries are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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: Checking or savings account

On XX/XX/year> Capital One was unable to deposit my check into my checking account. The information online and by the lady on the phone I talked to on the XXXX was it would be deposited on the morning of XX/XX/year>. At XXXX on the XXXX, no deposit. I am on a payment plan with my electric company, and if I can't make the payment no more electricity. As well as other possible late fees for other bills. Will I be compensated? When will I get My Money? The XXXX is a federal holiday, the weekend is coming. No answers.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I was shocked to learn that this account on my credit report was not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent account from my credit report as soon as possible.
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. 


Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately 5 months ago, I disputed this item with all 3 credit reporting agencies as the item not belonging to me. Upon completion of the investigation, it was determined that the account did not belong to me and the item was deleted from my credit file at all 3 agencies. On XX/XX/2018, this item was reinserted on my XXXX credit report. This item has been disputed 3 times now, with results proving the item does not belong to me, yet it continues to be deleted and reinserted. Also, in accordance with the requirements of the FCRA, the consumer reporting agency should notify the consumer of the reinsertion 5 days prior to reinsertion. I did not receive said notice, therefore, this is a violation of the FCRA.
Product: Prepaid card

I done filed a complaint once.. 
Venmo keeps freezing my account when I got XXXX kids and bills to pay and food to put on the table.XXXX Im sick of this XXXX
Product: Vehicle loan or lease

I came in good faith as an applicant and applied for automotive financing through capital one auto finance on XX/XX/2022, Capital One Auto Finance willfully discriminated against me during this credit transaction. Please See Attached
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 was going to add a second line to my XXXX unlimited plan. 
XX/XX/20 received XXXX card for account # XXXX phone number XXXX Never used second line XX/XX/20 cancelled second line. Bill was still charging me XXXX bucks. 
XX/XX/20 paid my normal bill of XXXX, still showed a XXXX dollar balance Was reassured the XXXX would be a credit XX/XX/20 XXXX shut phone off Got it back on. They shut off again XX/XX/20 shut off again. 
XX/XX/20 started a new service with XXXX XXXX  and quit XXXX. Try to charge XXXX bucks even though XXXX is a credit and I never used the service again after XX/XX/20! 
They are now destroying my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent dispute letters to equifax on XX/XX/2021 and the 30 day mark for them to reply was XX/XX/XXXX. it is XXXX the XXXX 2021 and they still have yet to reply to my dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2018 RECEIVED AN ALERT THAT A CHANGE TO MY CREDIT REPORT HAD TAKEN PLACE! ... .INVALID INQUIRY ( LISTED ON CREDIT REPORT ) FROM APPARENT UNKNOWN RESOURCE!! I HAVE NO DEALINGS WITH COMPANY IN QUESTION. NO APPLICATION FOR EMPLOYMENT, CREDIT, ETC. EXIST!! 

INQUIRY LISTED AS : XXXX XXXX UTILITIES AND FUEL XXXX XXXX XXXX  XXXX XXXX, TX XXXX ACCORDING TO XXXX XXXX, THERE IS NO RECORD OF SUCH ENTITY!!
Product: Credit reporting or other personal consumer reports

I made a payment to Columbia Debt Recovery LLC DBA Genesis on XX/XX/year>, based on a settlement offer they sent me, which stated I owed {$6200.00}, with a reduced settlement amount of {$4700.00} if paid by XX/XX/year>. I trusted this information and paid the settlement in good faith, expecting the account to be fully settled. 

However, I later learned that there were significant errors in their communication. Previously, I had spoken with XXXX XXXX XXXX of Genesis, who informed me that there were two lease contracts in dispute. He assured me that after making the payment, the smaller account would be removed from my credit report, which hasnt happened. Additionally, Genesis is still reporting a balance of over {$80000.00} on the second agreement, despite having previously offered a much lower settlement amount. 

This miscommunication is problematic, as I was led to believe my payment would settle the account. The incorrect balance is still showing on my credit report, causing harm to my financial standing, which is unfair and needs immediate correction.
Product: Credit reporting

Experian is still listing an account that is past the 7 year reporting period. 
XXXX, account number XXXX. 
This was scheduled to be on record until XX/XX/2017.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

- In late XXXX, Comenity Bank purchased the XXXX XXXX XXXX XXXX XXXX XXXX XXXX- I never received a new credit card or account number and paid the entire balance on the credit card - On XX/XX/XXXX, XXXX XXXX charged this dormant Comentiy Card the {$95.00} annual XXXX  fee -I was unaware of this charge and had not permitted XXXX XXXX XXXX charge the Comenity card -As I was unaware of the charge, Comenity reported it to the Credit Bureaus XXXX XXXX -I have been enrolled in XXXX Carolinas for XXXX XXXX XXXX years and it was agreed that I would pay the disputed charge and XXXX XXXX would XXXX XXXX for duplicate charges. I did so. 
-I simply asked Comenity to contact the Credit Reporting Agencies to remove any derogatory information on my credit record. 
-In a letter dated XX/XX/XXXX they refused to do so.
Product: Checking or savings account

I have my bank statements and funds being used checks being cashed and nothing is been done my name is XXXX XXXX and I bank with trust and they still let money come out my account I wan na report fraud and my money returned or I'm sue
Product: Credit card

Over the course of a year while I was in hospital charges came on my Goldman Sachs account. When I got out and review why my bill was so high I discovered multiple charges had gone unnoticed. I immediately reached out to Apple Card to dispute the charges. They refunded the money and everything was seemingly fine. Then, months later I did a balance transfer to close the Apple account and now they have reversed all adjustments and caused a huge balance. I told them I was in hospital during the time these charges were made in a state I have never been to.
Product: Mortgage

I entered forbearance according to the care act in XXXX of 2020 and continued to make payments as I could until XX/XX/2020 since then community loan services formerly known as XXXX loan servicing has been harassing me for payment and has reported me to the credit bureau 120 days passed due. They've ruined my credit rating and iam not able to qualify for assistance due to their negative reporting and they refuse to correct their mistake according to the care act.
Product: Credit reporting or other personal consumer reports

I have received your computer generated letter stating investigation of my credit reports because, in your opinion was sent by a third-party credit repair agency. Not only do I be this was strategy to grant you an additional 30 days. I also believe it to be a blatant violation of the FCRA. I provided my state issued ID, Social Security card as well proof of residence so that it would be no confusion. ThatI questioned the accuracy of a few items quest was written by me and mailed by me not third-party agency or anyone else. Please stop with thestall tactics. 

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 XXXX - XXXX XXXX XXXX  - XXXX XXXX  XXXX XXXX  - XXXX
Product: Credit card or prepaid card

In XXXX we purchased a trip through XXXX on XX/XX/XXXX. It was a travel all-inclusive package for the dates in XX/XX/XXXX for a total amount of {$3400.00}. with the following payment structure : 1st Paydelay {$98.00} 2nd Paydelay {$560.00} 3rd Paydelay {$560.00} 4th Paydelay {$560.00} 5th Paydelay {$560.00} XXXX Paydelay {$560.00} 7th Paydelay {$560.00} My Citi Bank credit card was charged a total of 6 of the 7 payments ( line items 1-6 above ) ( the 7th line item was paid via DIFFERENT credit card and already returned to me ). 

Citi Bank has returned only line item 1 ( {$98.00} ) The other 5 payments have not been returned and I am told WILL NOT be returned because XXXX will not give me my money back even though THEY cancelled the trip at the last moment due to COVID-19 restrictions on travel. ( Attached letter from XXXX  ) Efforts to work with Citi Bank have been going for months and they have repeatedly told me there is nothing they can do which I feel is a disservice. I paid for goods I never received cancelled by the vendor in the form of a letter instructing me to contact my credit card company. 
I want my money back! 
I believe they owe me {$2800.00} by my records.
Product: Credit card or prepaid card

I was leaving for extended overseas trip and paid off my XXXX XXXX city bank credit card balance in full but when I came back there was {$160.00} late fees. I called the city bank and city bank preservative provided me with no dispute option and made me to pay in full. Call was recorded. In my second call to a supervisor she indicated there was a {$13.00} charges that were proceeded late by city bank and City bank would reimburse for all the interest and late charges. ( Call was recorded and transcripts should be available ). She documented the problem and send it another department for resolution and she asked me to check back in a week for results. When I called no action was taken and just got the run around. City bank did not take responsibility for processing the charges late which was confirmed by city bank representative on the 2nd phone call and they ruined my credit for {$13.00} and made me pay {$160.00} late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am needing to move out of my apartment due to the bad maintence. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX ARE FRAUDULENT INQUIRIES. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. 

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer
Product: Mortgage

I refininance and Lakeview still insisted on taking a payment when none was due. By law they were required to send the refund within 15 days. It still has not been sent.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> :
Product: Debt collection

On XX/XX/XXXX I wrote a letter to the company requesting validation that bear my signature showing that the debt that the company is report on my credit report belong to me. I have not yet receive any communication from the company. The amount that the company claims is XXXX for XX/XX/XXXX. I didn't have an account nor did I open an account in XX/XX/XXXX.
Product: Credit reporting

I 'm been trying so hard to disputed all the wrong information with Equifax multiples times, I keep sending then information about my informationbut it looks like they do n't care, please I need your help to fix this problemright away since it is been a nightmare for me and my family