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

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX FOR XX/XX/XXXX CPS XX/XX/XXXX XXXX CA XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

**Inaccuracy of information. The information reported is incorrect. ** Account Name : XXXX XXXX, Account Number : XXXX. 
Hight Balance : XXXX shows {$2500.00}, while XXXX and Experian show {$3100.00}. Date of Last Activity : Different dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ). Date Opened : XXXX shows XX/XX/XXXX whole Experian and XXXX show XX/XX/XXXX. Closed date : Only reported for XXXX and Two-Year Payment History : Significant discrepancies in payment history. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history.
Product: Money transfer, virtual currency, or money service

I am writing to informally express my concerns regarding the sales handling of dispute, particularly in light of the recent FSPB lawsuit highlighting significance issues with their platform. Dispute using Zelle numerous times, and reporting discrepancies my financial institute, and Zell failed to insert investigate. My claims adequately. They informed me that recovering lost funds was impossible, and that tracking these transactions was unfeasible the CFPVs finding indicates that Zell has not only neglected to protect consumers, but also allowed, repeat, offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXXXXXX 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
Product: Debt collection

A company XXXX XXXX XXXX is trying to collect a debt that was previously owned by another debt collector named XXXX XXXX XXXX XXXX # XXXX. Back in XXXX  I filed a complaint against XXXXXXXX XXXX XXXXXXXX and requested the credit bureaus do a thorough investigation into my file. This debt was removed from my file due to identity theft. Since XXXXXXXX XXXX XXXX could not collect this debt they sold it to XXXX XXXX XXXX which is now reporting the exact same debt on my file. I disputed this with the credit agency and XXXX XXXX and both are lying saying that they have verified this debt but neither party has presented me with any documents showing where I entered into a relationship with this company. If you have claimed to verify my debt, respond to this request with a signed contract. Under the fair credit reporting act you are required to send me verifiable proof that this debt belongs to me. I am requesting a reinvestigation. If you can not furnish proof of a valid contract between myself and XXXX XXXX you need to remove this from my file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Conns Appliances INC shows two 30-day late payment on my account which completely wrecked my credit score and is impacting the ability to house my family. I have had a stellar payment history with Conns and dutifully paid my account online everytime via their Webportal until I had an issue making payment via the portal and contacted support which told me that the portal had changed. This negatively impacted my payment because I always paid at the very end of the month and the delay caused my payment to be counted as late. My next payment was also impacted because my card was compromised and canceled by my bank which caused my autopay to not go through. Once I became aware I immediately corrected the issue and made payment but Conns still counted it late. I have paid off the account entirely and wish for my 30-day lates to be removed immediately.
Product: Prepaid card

I purchased a Visa gift card online for a friend 's birthday from The XXXX XXXX XXXX. When she received it ( via email ), she was unable to open it. She received a message " A system error has occurred. Please try again later. '' She tried multiple times with the same result. I called the company to try to correct this. They hung up on me - THREE times. I tried again today and was told that " the department that handles this is not picking up '' and I should call back. This is an absolute scam, and I am now out the {$100.00} plus a {$3.00} fee. I am attaching the email acknowledgement of the order with all pertinent information included. 

I used my XXXX account to charge this transaction to my XXXX XXXX card. XXXX will not allow me to dispute the charge until it clears ( it is currently in " pending '' state ).
Product: Debt collection

Schriber Law Llc XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

Did not send me what I requested and did not send me a list of the charges or information that I own this account. They need to verify the account and did not in anyways.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again Im having to dispute these crooks posting inaccurate data on my credit report!

The Delinquency date is wrong in one or the other!

They claim both bills were from one visit why would there be two different dates a month apart!

Delete these accounts from my credit file! These crooks used unlawful HIPPA violation document to unlawfully validate these accounts!

Youre all gon na be sued!
Product: Credit reporting, credit repair services, or other personal consumer reports

all 3 credit agencies continue reporting various fraud accounts not mines and incorrect public records/ " PACER '' data of bankruptcy ch7, outdated reporting since 2013 ( over 7yrs old ) and XXXX XXXX DURING TIME FRAUD ACCOUNTS OPENING
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didn't get a response within 30 days. 

Y'all are required by law to do so. 

Please investigate my disputes please. 

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

Upon reviewing my credit report i have noticed several items that are not mine. I have submitted to the credit bureaus to validate this information and i have also contacted the companies in question. They have yet to remove the inaccurate accounts and need to remove immediately. 
I have also research the laws and FCRA to find that the only negative information listed must comply and these accounts have not complied due to the following : 1. I have not entered any contract or agreement with this companies. Accounts can only originate from a contract or agreement. I have no signed agreement or ink signature of any. 
2. FCRA requires notification prior to submitting any negative information. I have not received any such. 

Remove the following : 1. XXXX XXXX  2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX / Child Support ( multiple listings ).
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I discovered two unauthorized hard inquiries on my credit report from Regional Acceptance and XXXX XXXX XXXX. Hard inquiries typically happen when applying for credit. Unauthorized ones raise concerns about potential fraud or unauthorized access to my information. I plan to dispute these inquiries with the credit reporting agencies and take steps to protect my credit.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Navy federal checking account charging large overdraft fees and covering charges that should have not been covered causing extra money to be taken from the account. I have called to state that the charges should not have been covered and that I feel I shouldnt owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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. 
XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I recently did an investigation which caused XXXX  XXXX upon me. I discovered unverifiable, invalidated, inaccurate and questionable items on my credit profile ; and Experian didn't ensure these accounts were reporting 100 % correct. Experian has continued to show no regard for and disrespect for the law. 

In accordance with the Fair Credit Reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Experian stated that the accounts listed below were properly investigated and came back as verified ; however this is clearly not true when their are several inaccuracies showing on my report!

As a consumer, I would like to know all the steps this agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- description of reinvestigation procedure. 

( XXXXXXXX XXXX XXXX XXXXXXXX ) ( XXXX - XXXX ) ( XXXX - XXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX - XXXX ) ( XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX - XXXX ) ( XXXX - XXXX ) ( XXXX  XXXX ) ( XXXX XXXX XXXX - XXXX ) ( XXXX XXXX XXXX XXXX XXXX ) These are not accurate
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 


1. The following personal information is incorrect Account Number : Current Address ( XXXX
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Checking or savings account

The documentation is self explanatory. I do not have regular internet access. Therefore, this complaint along with any correspondence relating to it must be mailed. Here is my info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX and the complaint is against Banner Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Short synopsis of complaint : This complaint relates to the bank charging for paper statements on my checking account. Federal Law requires financial institutions provide paper statements. I formally sent Banner a letter on XX/XX/2021 requesting them they sent paper statements. I did not get a response from the bank, instead I got another paper statement fee on the XX/XX/2021 statement. I had multiple contacts via email with the local branch vice-president who did not explain why a fee was being charged but invited me to find another bank. I told the gentleman that not all banks charge for paper statements and its not only a violation of consumer rights but anti-competitive for Banner to charge a fee. I made it very clear that I need paper statements because I do not have regular internet access. I have attached both Idaho Code and US Code that state this fee for paper statements can not be legally enforced. 

Sincerely, XXXX XXXX
Product: Student loan

Navient loan taken out in XXXX for son 's school, XXXX XXXX. Loan of {$15000.00} was only in my name, mother of son. It was subsequently paid off. Have never gotten anything saying it was not paid, until Aidvantage took over Navient. Received a letter saying I owed {$14000.00} and a payment was made in XX/XX/XXXX. This is the first letter I have received regarding a loan that was paid off 10 years ago. Plus, no one from my family made a payment in XXXX, XXXX. I am now retired and want to put this to rest. I plan on filing a complaint with the studentaid. gov as well as have my attorney look into this. I have read reviews of this happening and the reviews spoke highly of reporting incidents like this to CFPB first as you have been helpful. Thank you,
Product: Prepaid card

I went to XXXX at XXXX XXXX XXXX XXXX, XXXX, NC XXXX on XXXX XXXX XXXX and purchased a XXXX XXXX XXXX XXXX for {$250.00} plus {$4.00} activation fee. Upon opening the card on the same day, I discovered the card was damaged ( please see photos ). I phoned the number on back of gift card and selected option for lost or stolen card. I reported the incident and was instructed to email photos of card along with my driver 's license to XXXX and reference Case # XXXX. I did as instructed and was told twice they did not receive my documents after confirming their email several times. The last sent documents was on XX/XX/XXXX and I received an email asking for the documents again. Finally, I phoned and a rep informed me that they did receive my documents on XX/XX/XXXX and that I have to wait 30 days for a replacement card. I phoned the company on approx. XX/XX/XXXX and was told by a rep to " wait a few more days. '' I phoned company again today, XX/XX/XXXX ( XXXX ), and was told I have to wait XXXX business days. I immediately phoned another phone number received in an email for customer service ( XXXX ), and was told my documents were received on XX/XX/XXXX and my claim is being processed as of today, XX/XX/XXXX and I should wait 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

We received a forebearance throught the CARES Act for XXXX XXXX XXXX We started paying again in XXXX, and have paid every month since. Huntington, via their Homesavers Dept. and the supervisor XXXX XXXX, asked us to submit paperwork in XXXX to have it ended and put on the back of our mortgage, which we returned XX/XX/. On XXXX XXXX our mortgage was reported delinquent. This is ILLEGAL under the CARES Act. I called, they corrected it. Then again XX/XX/XXXX, again it was corrected. Then again in XXXX, and they siad they are " behind '' and be patient- as my credit score site 140 points down. Then again XX/XX/XXXX. On XX/XX/XXXX I was told by XXXX that the paperwork was done and would be all fixed in a week. That did not happen and now she will not return calls. It is XX/XX/XXXX, still nothing. I have talked to two of her team members, who she supervisies, that tell me she will call me back, that it is her issue to fix, and nothing.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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
Product: Credit card or prepaid card

On Tuesday XX/XX/2019 - We received a voice message on our landline phone (with a woman's recorded voice) that there "were charges that we don't recognize on your Visa card" and were told to call XXXX.  My wife spoke to a man with a foreign accent named "XXXX XXXX and his ID# XXXX" He said there was a charge of $XXXX for XXXX shoes originating from XXXX  on our Amazon Chase Visa card and that our "Amazon profile had been compromised". He asked for my wife's full name (I then got on the phone) he also asked for my full name and our phone number. I heard many other voices in the background (they may be operating a fraud call center). I smelled something fishy with this guy and  signaled to my wife that this is a scam. When my wife would not give him any more information: he nastily demanded that she call him back within a certain time frame (20 minutes) at the following number: XXXX. That is when she hung up on him.  

We had contacted the real Amazon Chase Visa customer service number (on our card) to verify if this had occurred. They confirmed that there was no such activity.  Apparently he was phishing for personal information; and he got nothing more than our names and phone number. It was convincing act until he started to get angry...
Product: Credit reporting or other personal consumer reports

I WAS JUST INFORMED OF A HARD INQUIRY, I DID NOT AUTHORIZED. 

XXXX XXXX XXXXXXXX XXXX XXXX