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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Removal of Incorrect Information from all three Credit Reports Dear Credit Bureau Representatives, I am writing to formally request the removal of certain incorrect information from my credit reports with all three major credit bureaus : XXXX, Experian, and XXXX. I have reviewed my reports and identified several inaccuracies, which I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act. 

**Specific Requests : ** 1. **Closed Charges and Charge-Offs : ** I request the removal of all closed charges and the following charge-offs from my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have been settled and should no longer be reflected in a negative manner on my reports. 

2. **Incorrect Addresses : ** Please remove all non-mailable addresses currently listed under my profile. The correct and only address that should appear is : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 3. **Phone Number : ** The only phone number that should be associated with my reports is XXXX. Please remove any other numbers that are currently listed. 

**Legal Basis : ** Under the Fair Credit Reporting Act ( 15 U.S.C . 1681 ), I have the right to dispute inaccurate information and to request its removal. Specifically : - **Section 611 ( 15 U.S.C. 1681i ) : ** This section outlines the procedures for disputing inaccuracies and mandates that credit bureaus must investigate and correct any errors. 
- **Section 623 ( 15 U.S.C. 1681s-2 ) : ** This section addresses the responsibilities of information furnishers to report accurate information. 

Additionally, under the Privacy Act ( 5 U.S.C. 552a ), I have the right to request information about how my personal data is maintained and to ensure its accuracy. 

**Attachments : ** I have all my information in above complaint except my XXXX # XXXX I expect a written response to this request within 30 days, as stipulated by the FCRA. Please send all correspondence to the address listed above or contact me at the phone number provided. 

Thank you for your prompt attention to this matter. I look forward to seeing these corrections reflected in my credit reports. 

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

In accordance with the Fair Credit Reporting Act the Credit Bureaus have violated my rights. Bankruptcy courts do not report nor release information about Bankruptcies to credit bureaus, third parties or consumer reporting agencies which means my rights have been violated under law. My bankruptcy has been dismissed and the credit bureaus continue to report it after requesting many times the removal of this bankruptcy from my credit reports. They have failed to comply with my requests and continue to report. This vicious illegal act is ruining my life, my health, my finances, job opportunities and my family 's well-being. 

15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15. U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and the other one have incorrect personal information and refuse to fix the issues. 
I did not ask them to collect this information, they should at least get my information correct so I can ensure there is no fraud using my information. 
They continue to refuse to assist and demand I send my entire life history through the USPS and waiting weeks for a resolution. 
I did not send my personal information to begin with!
Product: Debt collection

Rent recovery solutions has provided me an incomplete invoice with my name on it from an apartment that I have never had a lease at XXXX XXXX XXXX  and has refused to remove the inaccurate and incomplete charge that is attatched to my credit report. Invoice is incomplete and does not add up to the amount that is being said I owe. I have no lease for these apartments and there is no information that says I owe this debt but name. I am asking that this be removed.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts immediately, they are hurting my ability to obtain credit.
Product: Credit card or prepaid card

I have applied for Georgia unemployment benefits on XX/XX/2020 and requested a state issued debit card on XX/XX/2020 but haven't received my card yet. This is hindering me from obtaining my money which I desperately need. I have reached out numerous times to the state and the card issuer with no response from either party. Can someone please assist with this simple request of a debit card so I can access my funds
Product: Debt collection

The collection company reporting to my credit report as a collection from these apartment complexes is national credit systems. 

For XXXX and complex in XXXX Texas amount is {$9900.00} and XXXX XXXX Apartments in the amount of {$9900.00} have disputed this account information numerous times. Ive contacted both companies explaining my situation as I did not apply for these apartments, nor have I ever lived at any of these properties. I was told to dispute my matter with the credit bureaus in the collection agency. However, once Ive done, so I was told that the information disputed was accurate. It has been updated on my credit report as of XX/XX/2023. 

Ive also explained to these companies that my identity has been compromised and with the proper protocols as far as disputing, I have gotten nowhere XXXX have ignored my complaint in XXXX XXXX and XXXX have listed on my credit report as accurate and verified. 

I also have an account for XXXXXXXX XXXX, which is a collection agency I have no acknowledgment of this account I have sent in mini dispute letters which have been ignored or have been deemed as verify belonging to me, which is incorrect because my information has been compromised to obtain these credit cards in apartments The other account that I see on my credit report is from XXXX XXXX, which I have never owned a XXXX XXXX account nor have I had a phone from XXXX XXXX, and they are reporting to my credit reports as past due and sent to collections again I have disputed many times and gotten nowhere. The only feedback that was sent to me via mail was all of my disputes have been verified and accurate which is incorrect and needs to be removed from my credit report. 

With these negative items on my credit report, it is hindering me from getting a apartment a new credit card or any loans and it is bringing down my credit score tremendously, which is affecting me in my goals for becoming a homeowner one day.
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/year>, I requested certain accounts to be removed from my credit report that are paid and closed. These accounts include but are not limited to Wells Fargo and XXXX. These accounts still remain on my credit report.
Product: Credit card or prepaid card

On my checking account, Well Fargo withdraw : XX/XX/XXXX amounts {$720.00} XX/XX/XXXX amounts {$1500.00} XX/XX/XXXX amounts {$6700.00} XX/XX/XXXX amounts {$1500.00} On my saving account XX/XX/XXXX amounts {$1000.00} XX/XX/XXXX amounts {$2300.00} I can not pay the amounts for my personal credit card then I check on my business bank account, Well Fargo withdraw money from my business bank account. According to legal adviser and Fair credit reporting act, Well Fargo do n't have authority to withdraw money from my business bank account.
Product: Money transfer, virtual currency, or money service

XXXX XXXX claimed to be a bitcoin investment coach. He guided me through the process of transferring money into my XXXX XXXX account to then send it to a XXXX  wallet, in order for him to trade on my behalf. He also prompted me to create an account through this trading website where I can watch my trade in progress https : XXXX I had made several deposits before I became suspicious that this was a scam. When I did try to retrieve my funds I contacted customer support through the website, and the next day they informed me that I have accrued {$5000.00} in fees. They informed me that I would not be able to retrieve my funds until I pay the full amount, and if I am unable to do so, it will be put into an escrow account and gain {$500.00} in interest until it is paid in full. 

I have attached screenshots of my transactions totaling the amount of {$2000.00}. 

I have contacted my bank in order to request a recovery of my funds. They declined my request. 

I am a single mother of three, and this XXXX taken a devastating toll on my familys livelihood. I am simply trying to recover my funds in order to support my family. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit score is XXXX and my XXXX and XXXX scores are approximately XXXX. I have not been given a reason for this discrepancy, but under inquiries XXXX XXXX XXXX there are reports dated : XX/XX/21, XX/XX/21 and XXXX. I contacted Experian to file a dispute, but both claims came back resolved with no change in number or inquiries. I have also contacted XXXX XXXX XXXX, but because I do not have an active card they can not resolve this internally. I am now writing because I have been denied for several credit cards and loans this year because they are pulling from Experian. This is actively hurting my ability to build credit, and also purchase basic needs after a loss of income due to COVID. I would like Experian audited and an investigation into their reporting practices because I believe they are inflating inquiries in a deliberate attempt to harm low income individuals like myself.
Product: Credit card or prepaid card

I have an American Express Platinum Card. 

On XX/XX/XXXX I wrote a convenience check ( balance transfer check ) from my XXXX Visa card for the amount of {$3400.00} and mailed it to American Express. On XX/XX/XXXX XXXX posted the payment, and listed that American Express had cashed the check. 

American Express have refused to credit the amount to my American Express credit card. For over 6 months they have disputed and delayed, refusing to admit they received the check. Via XXXX, I have supplied them with all the information I can ; copies of my statements, copies of the check itself ; all information pointing to the obvious that American Express received the check but misdirected the funds, lost them somewhere. 

Meanwhile, I am being charged by both American Express and XXXX for money that has been lost by them. 

I have spent hours making calls and explaining the situation over and over again. I have been on numerous calls with both banks, even conference calls with both banks at the same time. XXXX assures me that American Express took my money. American Express keep asking me to ask XXXX for more information. XXXX tell me they have given me all the information they have. Meanwhile, I am caught in the middle. 

At this point I should file a police report, as the only explanation is that American Express has stolen my money. 

I don't know how else to resolve this, I need some urgent help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another CFPB complaint demanding that the Equifax Credit Bureau remove these inquiries from my Credit File for erroneous and unauthorized reporting. I recently reviewed a copy of my credit report and was shocked to see that the inquiries I disputed are still being reported. It indicated that there are credit inquiries made by following credit inquiries listed below. I previously asked Equifax to have these inquiries investigated and removed for erroneous reporting, and yet Equifax have failed to properly verify these inquiries. However, these inquiries were not authorized by me. Therefore, I am submitting this CFPB Complaint to dispute these inquiries and have it removed from my credit report : XXXX XX/XX/2023 XXXX XX/XX/2023. Also, I would like to point out that these inquiries are only reporting in Equifax Credit Bureau. I strongly believe that there is an error in Equifax part and I need Equifax to rectify this error by completely removing these inquiries from my Credit File with no exemption.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my file has been endangered. Again, I was going through my records & noticed many items which do not belong to me. Since Im eager for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. I already sent letters to BUREAUS to inform this issues on XX/XX/XXXX but no response until this day. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX : {$650.00} XXXX XXXX  XXXX XXXX Balance XXXX {$650.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello-On XXXX XXXX-I disputed inaccuracies pertaining to my credit report-and requested they be removed-I also have written certified letters to all 3 bureaus and to Capital One ; to no avail nothing has been removed or resolved. 
I received a response on XX/XX/XXXX XXXX-stating they found no fraud, and that the investigation was finished. 
To this day-Cap One has not shown me proof that any investigation findings were ever done. 

I have repeatedly asked both parties to kindly remove these inaccurate accounts and dates off of my credit for it is severely lowering my score and I am unable to obtain proper credit at the highest level. I have also asked for the original contract signed, They have provided me with no proof as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 i opened up a XXXX line of credit with Acima Credit to purchase furniture at XXXX XXXX  XXXX, i made 4 successful bi weekly payments starting in XXXX of 2019. On my credit report for XXXX they alerted the credit bureaus i was 30 days late then XXXX  60 days and for XXXX, and XXXX my credit report says charged off account. Not once did i receive a bill or communication of late. They had my incorrect address on file for months even though i updated that before my furniture was delivered. Please see on paid in full letter attached they still have my incorrect address on the account. I made 3 lump sum payments to pay the account off in XXXX which totaled around XXXX dollars. I have in writing they would remove the late payments and show my account as closed paid in full with current status. My credit report updated for XXXX and they not only did not remove the incorrect late payments they also incorrectly put on my credit reports that this XXXX loan is a vehicle loan and its charged off as bad debt. I have called them every day, most days i get hung up on after someone says I see the error. Today i called again and was hung up on after being on hold for 11 mins. I was advised although they see the error and the account was paid in full, there was nothing they could do about it and late payment weight fades over timer nothing about the account reporting as a vehicle lease. All I'm trying to do is get these incorrect late payments removed or get this account deleted off my XXXX  reports. They have since offered me another line of credit for an installment loan but refuse to update my credit report. I will advise anyone to not do business with this company
Product: Debt collection

Subject : Unauthorized Contact of Third Party Regarding Debt Complaint : I am filing this complaint against Comenity Capital Bank for contacting my ex-boyfriend regarding a debt I owe. I did not provide his contact information when I signed up for the credit card, nor have I authorized the company to discuss my financial matters with him or any other third party. 

On XX/XX/year>, Comenity Capital Bank contacted my ex-boyfriend, with whom I share a child. This is a clear invasion of my privacy and an inappropriate practice. I am deeply concerned about how the company obtained his contact information, as I never disclosed it to them. 

This contact has caused me significant distress and has created unnecessary conflict between myself and my ex-boyfriend. I believe this action may violate privacy laws and potentially the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from sharing details about a debt with unauthorized third parties.
Product: Vehicle loan or lease

Im the cosigner on a XXXX XXXXXXXX XXXX XXXXI cosigned last XXXX and this company reported a payment over 30 days late. On numerous occassions i told them since i was the grantor of the loan for payments when not made by purchaser I was guaranteeing the monthly payment of XXXX. I wanted to be notified even if a day late plus receive monthly statements .They said no problem and would do it never received notice for any missing payments and i made one in XXXX when it gave me notice on credit monitoring. I made the paynent and told them to plesse notify me by phone text or mail. They send me emails about howvdo i like service but cant send me one when its late and they intentionality make sure im not notified and it goes in default. My credit score was over XXXX when i guranteed the payment. The two days yhey reported late i was hit for XXXX points. I dont get any statements and they intentionality made it late without notifying me. A payment was deferred in XXXX. The initial buyer who i cosigned for set up withdrawls from her bank account bi weekly and to apply it on the due date. They didnt do it by weekly they did it either 5 days before or after due date.as grantor of this loan to not be notified is fraud on there part for they forced it into being late without any notifications to me. They didnt deny my ability to pay wheni called to inquire. I cant Force the buyer to turn in if she cant afford but cant maje payments if im not made aware of delinquency. I dont ike there whole way XXXX  Financial services handled this loan and the many problems we have had.