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

I recently discovered that Equifax has included a bankruptcy on my credit report that has already been removed by XXXX ( removed in XXXX ). Despite having provided Equifax with documentation from XXXX confirming the removal of the bankruptcy, Equifax continues to report this inaccurate information on my credit report. I've disputed this several times with them and EVERY time they claim to have verified their 'accurate ' results with XXXX XXXX 

Furthermore, during my communication with Equifax 's customer representative on XX/XX/2023, I was informed that they require a letter from PACER ( Public Access to Court Electronic Records ) showing that the bankruptcy is no longer present. This requirement seems unreasonable and places an undue burden on me as a consumer, especially considering Equifax 's stated practice of verifying information through XXXX. 

This situation raises concerns about Equifax 's verification methods, their compliance with the FCRA, and their adherence to fair and accurate reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX BANK XXXX Account # XXXX has violated my rights. 
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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled in online classes at XXXX XXXX University. I withdrew from the classes I was enrolled in the day before the final deadline to withdraw without financial penalty. However, XXXX XXXX University has opened an account showing on my credit score on XX/XX/2013 in the amount of {$1800.00}. I have submitted a few disputes via the three credit agencies but it is still showing as something I owe.
Product: Debt collection

I'm a victim of identity theft, and I've disputed this loan several times and they will not remove it from my credit reports. I have not applied.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX - XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to complaint to express this account on my credit report XXXX XXXX XXXXXXXX that I believe was reported without my knowledge or consent. This account has had a detrimental impact on my creditworthiness and has negatively affected my ability to secure loans, housing, and favorable financial terms. As a result, it has caused me significant harm, both financially and personally. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to accurate and fair reporting of my credit information. The inclusion of this unauthorized account is not only a violation of my rights, but it also fails to reflect my true credit history, which is a violation of the principles of fairness and accuracy mandated by the FCRA. 

I did not authorize this account to be reported, and I was unaware of any option to opt out of the credit reporting process. This account is causing me undue harm by misrepresenting my financial responsibility. Under the XXXX XXXX, I have the right to privacy and to prevent my personal financial information from being disclosed or used without my consent. 

I request the immediate removal or thorough investigation of this account. If you are unable to provide sufficient evidence of authorization for the account, I demand its removal from my credit report as required by law. 


Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I recieved a letter on XXXX XXXX of an address change on a closed account on my Walmart mastercard. I never authorized an address change this is not a " account take over '' it is identity theft. I have always lived in Illinois not Kansas. This account should be closed due to fraud transactions on the account and identity theft. The customer service team should never have issued an address change without my knowledge. I paid on the account what I owe and I want all fees and interest and the account a XXXX balance due to the customer service departments incompetence and breach of my account information.You have no security about protecting someone 's account. I will notify all federal agencies of consumer fraud and not updating any fraud on my account. This never should have happened at all again I never requested a address change, it is theft and this Synchrony XXXX has allowed it to happen and nothing done about it. The entire account is fraud now and the bank is responsible and needs to fix my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I BEEN TRYING TO DISPUTE ACCOUNT - XXXX XXXX  - XXXX FROM TRANSUNION, ONLY TRANSUNION HAS REPORTED THIS ACCOUNT ON MY REPORT, THIS ACCOUNT IS RESULT OF FRAUD ACTIONS ON MY BEHALF. PLEASE HELP ME TO COMMUNICATE WITH TRANSUNION AND REMOVE THIS NEGATIVE ACCOUNT FROM MY REPORT, IT HURTS ME EMOTIONALY ALREADY
Product: Credit reporting or other personal consumer reports

please delete unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Follow up to Case No. XXXXContinued unauthorized confiscations of the card by third parties who are not in the line of business or do not make themselves known to the account holder and who may or may not return the card once the activity was reported. Card ending in XXXX was returned on or before XX/XX/2021. Vehicle was entirely searched for debit card before and after reporting it stolen. On XX/XX/2021, reporting party found debit card laying in backseat floor area between driver car and middle console. XXXX was checked on several occasions, including under the seat and around the area. This is not the first time that such party has done this. It usually occurs when a third party notices that I am driving and business is slow and their reactions demonstrates discomfort with arrival, even though I am making a legitimate purchase and there is nothing straightforward with the purchase, eg " XXXX  XXXX, may I take your order? '' " Yes, I would like to order $ XXXX '' " I'll have your total at the window. '' Absolutely nothing out of the ordinary and card is confiscated. On more than one occasion, bank has refused to deactivate the card or has acted like they have not to harass.
Product: Credit reporting

I TRY TO PULL MY CREDIT REPORT FROM EXPERIAN, BUT I FAILED ON ONE OF ID QUESTION, THAN THE COMPANY SAID I HAD PULLED, THAT IS NOT TRUE, I JUST GOT FROM XXXX. 
I NEED THIS INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern on XX/XX/1017 we purchased a XXXX XXXX from XXXX XXXX in XXXX ny our loan is with XXXX XXXX XXXX  who has been a great place to do business with my complaint is not with them but it is with the dealer and all of the lenders who ran my wifes and my credit, we were under the assumption that the dealer ran our credit and submitted it to the lenders,1time, instead they submitted the application to them and they all ran the report I have spoke to the lenders to try to get them resolved and taken off our reports, they either refused or said they cant they put them on they can take them off, my wife and I now are going to try to purchase a home and all of these inquires are on the reports lowering our scores could you please HELP US
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I open a credit card account with XXXX XXXX, account # XXXX I ended up being laid off from my job and could afford the payments anymore, I tried to keep up with them but could not, XXXX But ended up charging this account off, and sending it to collections which they were paid for because they sold my debt! I ended up paying the collection company for this account back in XXXX. I ended up paying before it went to collections. 

The problem is this account has been paid and closed since XXXX and yet, XXXX XXXX XXXX is still reporting MONTHLY on my credit report XXXX, XXXX, XXXX XXXX, they are still reporting it as a charge off monthly and by LAW! They can not do that, and every month they are hurting my credit! This account should have stopped reporting back in XXXX when they were paid! 

Im not sure why XXXX XXXX XXXX is trying to ruin me and my credit, when I was able to open another account with them 2 years ago and I manage that account well no issues or payments ever being late. I have not had any late payments with any of my creditors since this and its hurting my credit it should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account AD ASTRA RECOVERY SERVICES Opened Date XX/XX/2016 which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that AD ASTRA RECOVERY SERVICES was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

XXXX XXXX XXXX Threatning Me calling my relative s that I do n't know about
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Request for Debt Validation Account Number : XXXX & XXXX Dear WAKEFIELD & ASSOCIATES, I am writing to formally request validation of the debt you claim I owe, as provided under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, and the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( a ).

It has come to my attention that you have reported an account to the credit agencies that appears on my XXXX report. I am disputing this debt as I believe there has been a violation of consumer protection laws. 
In accordance with 15 USC 1681b ( e ), I request the following : 1. The original signed contract : A copy of the original signed contract that verifies my agreement to the debt in question, including my wet signature.

2. Assignment of Debt : A clear documentation of the assignment of this debt from the original creditor to your agency.

3. Proof of proper reporting : Evidence that you are legally able to collect this debt.

Please be advised that under 15 USC 1692c, you are prohibited from communicating with me in any way until you have validated the debt as requested.

If I do not receive validation of this debt within 30 days, I require that you cease all collection efforts and remove any negative reporting regarding this matter from all credit reporting agencies, including XXXX, XXXX, and XXXX. 
Please send all correspondence regarding this matter to my address listed above. I look forward to your prompt response so we can resolve this matter swiftly.

Thank you for your attention to this serious issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I entered an uninformed decision with XXXX XXXX Account XXXX. As a creditor they took advantage of me thus committing fraud. 
Pursuant 15 US Code 1601 ( a ) in order for me to make a decision I must be informed i.e., it takes two CONSENTING parties to make an agreement. Any agreement put in place should be clear and conspicuous

( Pursuant 15 US Code 1602 ( a ) -- which you all have failed to provide. A 30-page computer generated agreement is not clear nor conspicuous and thus you could not expect a consumer to reasonably know its meaning. There is no evidence of indebtedness as a clear and conspicuous agreement was never put in place thus making this transaction null and void ( k ). You all are reporting a past due amount on a closed account which is not possible if the account is no longer active. You all sold the alleged debt to another company without my permission and never provided me with that information.

You all are illegally furnishing income to my credit and never provided me with a 1099C associated with this account. Pursuant FCRA laws once the debt was sold to a third party you all lost permission to report anything to my consumer report. I believe an amicable resolution for all parties is to update the credit bureaus with the removal of this account. Please note all three bureaus have been put on notice of your frivolous actions as well as your state attorney general and the federal reserve. To all three bureaus I am sure your legal team will agree this account needs to be remover from my report immediately.

This is my last intent to resolve the issue at hand before moving forward with legal proceedings. I expect a response to this notice within thirty days and would highly appreciate your cooperation.
Product: Credit reporting or other personal consumer reports

Experian is currently reporting a late payment on my credit file that is inaccurate. I have never been on any of my accounts and I am asking that this debt be verified. Under the FCRA a verified debt is one that has been sworn to under the penalty of perjury.
Product: Debt collection

On XX/XX/XXXX I spoke to XXXX XXXX XXXX XXXX Manager who reconciled and decreased the amount owed, since I was initially disputing the erroneous move out charges. The same day I called Genesis, debt collector and spoke to XXXX XXXX and emailed the updated amount and was told to call the next day if the amount has been updated in Genesis accounting system. Ive made at least 6 calls since then always being told to call back because Genesis has not heard from XXXX XXXX about the confirmed balanced owed. On XX/XX/XXXX, I called XXXX XXXX  at their Central Billing Dept and spoke to XXXX who confirmed the updated balance of {$330.00}. I was also told by XXXX that all correspondence should be done through Genesis. Genesis still says that havent received a confirmation regarding the new balance owed. All i want to do is pay these overpriced moveout charges so it will be removed from my credit report. Please help expedite.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX -- {$29000.00} XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX -- {$36000.00} XXXX XXXX XX/XX/XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Cant get credit report scores and they did not fix violations to your consumer statues and of XXXX XXXX XXXX and TransUnion XXXX gave me a D on business credit and XXXX and XXXX has me at A discrimination
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 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
Product: Debt collection

On XX/XX/XXXX I was alerted that a frivolous collection agency Transworld Systems Inc. placed an account for collection on all credit bureaus for the amount of {$220.00}. I immediately notified the agency that I do not lawfully owe this due and requested all documentation stating that I owe the collection agency. No contract nor legal obligation, contract, or agreement has been signed nor documented. On XX/XX/XXXX the agency failed to provide sufficient information to validate the debt yet continued to harass and report a negative status and balance to all credit bureaus. Please note I wrote the creditor again on XX/XX/XXXX ( find documentation attached ) to request not verification but true validation of this debt and any contracts signed and or any legal statue that the collection agency can collect legally on this debt. On XX/XX/XXXX Transworld Systems wrote and informed me they have investigated and responded yet I have not been provided no legal documents stating that I owe the company. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Transworld Systems needs to be held accountable for their unlawful actions.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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 an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit card or prepaid card

In XXXX of 2018, I received a call from a representative with Navy Federal Credit Union ( NFCU ) regarding my financial hardship. XXXX then provided me with an offer to consolidate my payments. At that time, I had two separate credit cards open with NFCU & the representative instructed me to cease payments on the card with the highest balance & to make a monthly payment in the amount of {$180.00}. This representative called back twice, that day, to ensure that I understood that my payments would stop on the credit card with the higher balance. I proceeded to make these {$180.00} payments, to date ; however, approximately 3-4 months later, I began to receive debt collection calls from NFCU, indicating that I had fallen behind on my payments on the aforementioned card ( with the higher balance. ) I have spoken to several NFCU representatives and encouraged anyone in a supervisory position to listen to the recorded phone calls. To date, I am still making payments in the amount of {$180.00}, but no one has ever provided with feedback regarding these calls. I have accumulated well over a years worth of late fees and the interest on that card has skyrocketed, leaving me with a current balance of {$17000.00}. I have offered to continue making payments in the amount of {$180.00} ( towards the card with the lower balance ) and I have also requested that NFCU honor the fact that they told me to cease payments on the other credit card. Instead, I am harassed on a daily basis, with debt collectors attempting to reach me, via phone, email and mail. I have sat on the phone with NFCU 's Financial Counselors and they were not able to provide me with any other strategies that would resolve the situation at hand. NFCU has also reported to all the credit bureaus & consequently dropped my credit score by well over 100 points, due to " delinquency. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Last XXXX of XXXX : XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Dear TransUnion, I am writing to formally dispute the inaccurate reporting of an account on my credit report. 

Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX This account is being reported as a charge-off, and I have noticed multiple discrepancies in how it is listed, including conflicting dates of last activity. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and verifiable. 

I demand that you investigate this matter immediately. If this account can not be verified as accurate or if the discrepancies can not be resolved, it must be removed from my credit report without delay. Reporting inaccurate information is a serious breach of your obligations under federal law. 

Please delete this account entirely from my credit report or provide documented proof of its accuracy. Failure to address this dispute in a timely manner will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and potentially pursue legal action. 

Once you have completed your investigation, I expect an updated copy of my credit report reflecting the necessary corrections.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a round of disputes to Experian based of inaccurate information being reported to my credit report. I sent in XXXX forms of proof including state drivers license passport and utility bill showing that i was initiating the dispute. On XX/XX/XXXX I received a response stating that they received a suspicious correspondence and they will not be initiating my dispute nor will they be responding to additional notices. In XXXX of XXXX i received similar correspondence and called the bureau to confirm the disputes were from me. Experian consistently sends stall letters as a refusal to investigate my report. I called again after receiving this letter on XX/XX/XXXX and was unable to speak to an agent due to extensive hold times. This is unfair to me as an individual as well as illegal as they have an obligation to investigate my report.
Product: Checking or savings account

I was scammed by a fraudulent USPS link for {$2500.00} on XX/XX/2023, I immediately notified the Robinhood brokerage team and they have had my account restricted for almost 2 months with no explanation to why they havent fixed anything so now Im reporting to the CFPB for help.