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

I paid off my loan in 2012 and Armed Forces loans is refusing to remove it off all three credit reports. I told them credit agency is saying the company needs to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, A FAX AND LETTER WAS SENT TO VALIDATE THE THE ACCURACY OF A CHARGED OFF ACCT LISTED ON MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX NOW, I REQUESTED THAT I BE PROVIDED WITH INFORMATION AND COPIES BE SENT TO ME THAT WAS USED TO VALIDATE NOT VERIFY THAT THE DEBT WAS OWED BY ME TH THE ABOVE COMPANY SUPPLIED THE REPORTING AGENCY WHEN LISTING THE ACCT ON MY REPORT. PAYMENT HISTORY IS NOT A PROPER FORM OF VALIDATION AND THERE IN VIOLATION OF THE FCRA. XX/XX/XXXX A FOLLOW UP VALIDATION LETTER WAS SENT OUT TO RESOVE THE ISSUE THAT THEY ARE STILL TARNISHING MY NAME AND REPORTING INACCURACIES, I WOULD LIKE THIS MATTER RESOLVED AS SOON AS POSSIBLE BEFORE I HAVE TO TAKE LEGAL ACTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not remove a XXXX XXXX paid in XX/XX/XXXX. The lien was for taxes from XX/XX/XXXX, which would be 15 years ago. I am being penalized for a debt from 15 years ago. Every time I dispute this, no one considers the fact it was XX/XX/XXXX. Also, according to the new laws concerning tax liens for XX/XX/XXXX, I feel it definitely should be removed. Every time they contact the state, they have the date for 2008 ( even though it is for XX/XX/XXXX, not XX/XX/XXXX ) which would also be 9 years.
Product: Credit reporting or other personal consumer reports

XXXX asked all XXXX credit bureaus to all inquiries from my credit report because I did not give any written authorization for any company to run my credit report list above. 
XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have a right to privacy under the FCRA Law.
Product: Credit reporting or other personal consumer reports

Despite my many attempts to rectify this matter, the late open and charge off accounts continue to negatively impact my creditworthiness and financial standing. It is disheartening to see that this unknown inquiry persist on my credit report, despite my repeated efforts to have them correct or removed. As a responsible consumer, I am committed to maintaining an accurate credit profile, and the presence of these accounts entries undermines that goal. I am reaching out once again to request urgent action to address this matter. I kindly request a thorough investigation into the inaccurate accounts on my credit report and immediate action to have them correct or removed. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the repeated failure to address this issue. Please help me correct or remove these accounts immediately : XXXX. XXXX XXXX XXXX  XXXX Balance : {$34000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX. XXXX XXXX XXXX Balance : {$1200.00} - The number of late payments is incorrect. I never missed a payment. 
Please adjust immediately. 
XXXX. XXXX XXXX XXXX Balance : {$1300.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX. XXXX XXXX XXXX Balance : {$16000.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 
XXXX. XXXX XXXX Balance : {$0.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Product: Debt collection

AR Resources has put a collection on XX/XX/2020 for {$1900.00}. This was due to car accident, XXXX paid this on XX/XX/2020, check number XXXX. I submitted proof by faxing the letter from XXXX around XX/XX/2020. The person I spoke to said it is not considered paid because I did not pay it myself. I gave him check number and told him he needed to look into it and to take off credit report. He keeps calling and I just can't keeping arguing with him.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX and 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.

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: Debt collection

Sunrise credit services obtained my personal information for an alleged debt illegally without my consent. I do not have a contract nor do I owe an alleged debt to Sunrise Credit Services.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Remove Unauthorized Inquiries Following Identity Theft Dispute Complaint Details : On XX/XX/year>, I submitted an identity theft dispute to Experian regarding unauthorized inquiries on my credit report. The dispute was delivered on XX/XX/year>, as confirmed by tracking. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, Experian is required to block disputed information within four business days or provide a response outlining the next steps. 
Despite this clear obligation, Experian has not removed the disputed inquiries or communicated with me regarding my dispute. This is my third attempt to resolve this issue. It is worth noting that both XXXX and XXXX have already deleted the same unauthorized inquiries from my credit report, further validating my claim. 
Experian 's failure to act in accordance with the FCRA or provide any response suggests a disregard for their legal obligations and leaves me unfairly burdened by inaccurate information on my credit report. 
Requested Actions : I request the immediate removal of the unauthorized inquiries from my Experian credit report. 
I request a written explanation from Experian regarding their failure to address my dispute. 
I ask for assurance that Experian will comply with all legal obligations in handling disputes in the future. 
Attachments : Proof of dispute submission ( e.g., certified mail receipt or tracking confirmation ). 
Credit reports showing the unauthorized inquiries and their removal by XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, Experian alerted Hard Inquiries on credit. XXXX, I called companies with inquires. Found an unknown suspect used my name, SSN and addresses to make injuries to obtain goods-services, left suspect info not my own : XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX. Additional fraud soft inquires via Experian ( XXXX XXXX, On the XXXX XXXX ). XXXX suspect ( XXXX ) made additional fraudulent hard and soft inquires with credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Network XXXX XXXX XXXX Tree ) ; XXXX ( XXXX XXXX, XXXX XXXX ). Additional suspect information was supplied by the businesses that the suspect used email XXXX and phone XXXX. 
XX/XX/2021, I made a police report with the XXXX VA Police, report number XXXX. 
XX/XX/2021, I updated an FTC Report Number : XXXX In contacting all 3 credit bureaus they wanted me to do the investing and have the companies that requested the credit retract the inquires. 
Some have corrected the hard inquires but, XX/XX/2021 XXXX I called XXXX and per first name - XXXX XXXX XXXX ID XXXX, file # XXXX to reference this call. XXXX will not remove soft inquiries from my report even though I told him it was fraud and have made reports with PD and FTC. Will have a supervisor call me back within XXXX days, but they can not remove them. No one called and no one corrected my credit report. I continue to get emails from the credit company saying my credit score could be better if I paid money to them.
Product: Credit card

My identity was stolen XXXX. Credit cards and accounts were opened in the names of XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX and charges were incurred on many different cards and fraudulent checks were written in person at our local bank. I was able to finally resolve the majority of these fraudulent actions by XXXX, XXXX. However, despite notifying Synchrony Bank ( Banana Republic ) immediately, instead of removing the charges, they appear to have transferred the fraud charges from several accounts, also in my name, with the fraud perpetrators so that now I have XXXX ( possibly XXXX ) Banana Republic accounts with most of the balance remaining from the original fraud in XXXX. Every time I called, they said that they had " taken care of everything '' and that it might take 90 days to complete the " investigation '' and I would receive a new card in the mail, but it would arrive with the Identity thieves ' name on it! Finally, they said that it was too long ago and I would have to " order the old bills '' because they could n't see the charges " on their system '' at Synchrony. I have not used the card since XXXX, all charges made were fraudulent.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I found errors related to 15 USC 16c-2. The inquiries listed were not authorized, and the misinformation is hurting my credit. I kindly request the removal of all unauthorized hard inquiries. Thank you!
Product: Debt collection

On XXXX XXXX 2016, i receive a phone call from the postal unit stating that the company ConvergentbOutsourcing was sending a bill in my name to approximately XXXX diffrent address that I have no affliation with. Dated on XXXX XXXX 2016, in the amount of XXXX, which i had no knowledge of, nor had time to dispute the transcation. I am asking for the company to send me validation of the debt, and i am also disputing the debt. So i decided to file a compliant. Which was sent to the previous address, where i did not live. I do not owe a bilk from comcast. The debt is not mines
Product: Prepaid card

I purchased an online item that was unavailable, so the item was canceled by the merchant. The merchant gave me a transaction code, a Authorization release code to lift the hold on the item and I provided proof of cancelled item and still they refuse to release my funds..
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute sent to both collections companies came back verified but the information does not match And one of the 3 isn't even reporting the account this account is not matching on all 3 reporting agencies XXXX is reporting this account XXXX as open Equifax is reporting account XXXX collection
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Experian failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX   FIN XXXX, and Chapter XXXX Bankruptcy XXXX
Product: Credit card

I financed a piece of jewelry from a jewelry store through Comenity Capital Banks XXXX credit card for the amount of {$6700.00} on XX/XX/scrub>XX/XX/2023. When the first bill came I was still waiting for XXXX XXXX to deposit into my bank account, and that amount turned out to be not quite enough to pay the full amount of the XXXX card off. Rather than making monthly payments until the asset funds hit my account, and then making the remainder of monthly payments after I paid a lump sum using the assets amount, I used another credit card to pay the full amount of the XXXX balance in the amount of {$6700.00}, They took my payment over the phone XX/XX/scrub>XX/XX/2023. That amount posted on XX/XX/2023. On XX/XX/2023 XXXX charged that card again, and my bank statement also reflected that the amount due was the amount of both charges. When I called to tell them they double charged me they denied doing so, saying their system didnt reflect a double charge. In XXXX I received a statement from XXXX that reflected they had received the payment of {$6700.00}, and the only amount due was an interest charge of {$25.00} so I paid that. The double charge was still showing on my personal bank statement, so I had my bank reverse one of the charges in the amount of {$6700.00}. In XXXX I received another statement from XXXX again reflecting the full amount due was {$6700.00}. I called XXXX to tell them they double charged me and my bank reversed one of the payments. Since XXXX of 2023 I have been in dispute with Comenity Capital Bank that I owe them the amount of {$6700.00}. I have sent them every piece of information they have requested, bank statements reflecting the double charge, letters from my bank on my banks letter head with transaction and trace numbers. All that happens is I get a letter in the mail or a secure message on their websites secure messaging platform saying that the dispute has been closed because the payment was returned.
Product: Debt collection

In XX/XX/XXXXI opened an account with XXXX for a credit card with a limit of {$200.00}. After several months I was unable to make the payments, as I was not working. In XX/XX/XXXX I moved from XXXX to XXXX. As of the year XX/XX/XXXXI began receiving calls from a company called XXXX XXXX claiming I now owed over {$2000.00}. on this debt. On XX/XX/XXXX I was summoned to court and was convinced to make a payment arrangement with XXXX XXXX even though I was unaware and or not made aware of that the Statute of Limitations had most likely ran out on this debt. I paid XXXX XXXX from XX/XX/XXXXuntil about XX/XX/XXXX a total of {$450.00} and could no longer make the payments due to being out of work. On XX/XX/XXXX the County Court granted a final judgement to XXXX XXXX. I do not believe I have seen documentation of this judgement until XX/XX/XXXX. My signature is not on this document. On XX/XX/XXXX, I happened to notice money missing from my paycheck. I looked at the Pay Statement to find that {$220.00} had been taken for Garnishment. Apparently, a hearing took place on XX/XX/XXXX, at the County Court without my knowledge, to grant a Writ of Garnishment to Asset Acceptance. I was never notified of this, nor was a given a chance to explain, defend, or oppose this action. Nor was I made aware of that I could file an Exemption for Head of Household, as I provide at least 70 % of the household income for my Spouse and myself. I tried calling several attorneys, but the only suggestion they make is to file bankruptcy, which for me is not an option.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries please remove these inquiries immediately. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up my previous dispute about certain information on my credit report that I believe is inaccurate and does not reflect my true financial history. I have carefully reviewed my credit report, and I have identified the following discrepancies.
Product: Debt collection

This Target Credit Card was charged off at {$580.00}. I have not received any debt validation letters or anything verifying that the account is mine.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX is violating my rights And his criminal obligated And you violating my rights under 15 USC 1681 And money and fragment of 15 USC 1640 and 1692 I am asking you to remove this negative information from my shoppers report I am asking you to remove these infringements they failed to comply with the government regulations, and they are governed by the FCRA And his XXXX is for your duty to make sure that they file a protocol. If not, I will be pursuing legal actions and reporting them to the FTC Better Business Bureau state attorney general. United State Senate Federal deposit of currency insurance
Product: Credit card or prepaid card

I'm trying to file a complaint for the Credit Karma Credit Card Scam. I got a card from them a while back & they XXXX  me. Then they shut down their card services program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accord with the Fair Credit Reporting Act, the list of accounts below are violating my federally protected consumer rights to privacy and confidentiality under Title 15 USC sect. 1681, et al. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681, section 602 ( A ) gives me the RIGHT TO PRIVACY.

15 U.S.C. 1681, section 604 ( A ) ( 2 ) a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information- any adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XX/XX/year> Walked into the bank deposited check with bank teller. A hold was placed on deposit. Teller informed me to call XXXX number to release hold. 

XX/XX/year> Called number verified myself 2x bank representative put me on hold told me that she needs to verify funds. She came back said she was still verifying funds. I told her that Ihve deposited checks from this account before. She placed me on hold again. This time for quite some time. I find out as she is coming back saying she has verified and released hold. She has called place of business where check was from and did not verify who she was speaking with. This is also on a recorded line. Spoke to one of my employees said my name and dollar amount of the check without verifying if this person was on the checking account. " She said my name was trying to cash a check with dollar amount to my employee. Giving my personal information out. She finally did get transferred to the person who wrote the check after she gave out my personal information. I told her I wanted to speak to her manager, because this has never happened before when there has ahold been placed, I have called they have released funds. Never calling place of business. I spoke to a manager told him what happened said they would look into it. I called back again 10 mins later wanting a dispute confirmation #. I received another manager named XXXX who said she sees that the representative needed to only see deposit history and should have never called place of employment. Speaking to a random person giving my personal information out and check amount out. I have heard nothing back from the bank either even though I was informed that I would.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that 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 XXXX for research, I found that under section 605b of the FCRA the credit bureaus 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 remove these files. XXXX, XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XX/XX/XXXX ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$7500.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX : {$650.00} ; XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$510.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00}
Product: Mortgage

Since XXXX of 2017 I have trying to re finance with Nationstar Mortgage. Loan # XXXX. I have repeatedly sent and resent the information that they have requested. The answers that I get are we are working on it. The contact person at Nationstar is XXXX XXXX phone # XXXX. This is now into the 8th month. Please help XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am submitting a formal complaint against Cash App ( Block, Inc. ) regarding their substandard customer service and unfair business practices, which are not in compliance with the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Moreover, their dispute resolution process was unfair and deceptive, failing to meet the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Consequently, I have suffered significant inconvenience and financial loss, and I am seeking appropriate redress.