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

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.
Product: Credit reporting

Talx corporation, a division of Equifax corporation is a Consumer Reporting Agency as defined by FCRA. Check of my employment records on XXXX/XXXX/2015 indicated that Name and DOB of my dependents are also showing up in my report ( Ref case number XXXX ). There is no purpose for these to be reported on my employment and creates a risk for ID theft. I submitted a request for it to be removed but that has not been agreed to.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 15 USC 1681 d, 12 AlB. it is illegal to report payments as late. The term consumer report does not include information between the consumer and the person making the report. transactions are not supposed to be on your credit report. Experian, XXXX, and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

Midland credit XXXX, XXXX and XXXX has submitted a debt on my credit without my consent, according to XXXX5 U.S. Code subsection 1681s-2, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened in XXXX, this debt it outside the statue of limitations according to California law, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies. This was originally opened with XXXX in XXXX and last date of activity was XX/XX/XXXX Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( FACTA ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the Dodd-Frank Act, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

This Collection agency XXXX XXXX XXXX XXXX has failed to provide proper verification of the account they brought from Walmart/ Synchrony Bank/Walmart. This company has not and could not provide information like documents bearing my signature that I owe ( {$540.00} ) to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to XXXX XXXX XXXX about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company XXXX XXXX XXXX XXXX matter the original creditor have the same account number as the collection agency. Synchrony and XXXX XXXX XXXX different companies have on my credit report. I feel they are trying to be smart by having the same account number under two different companies on my credit report which neither provided proof of documentation bearing my signature stating that I owe ( {$540.00} ) then all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had XXXX, XXXX, and XXXX to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA
Product: Student loan

I am writing to you, because staff from Navient loan company reported inaccurate information lowering my credit score. after I have already spoken to someone and submitted my documents to them they still went ahead and reported that I am late on a loan that I requested to be put on forbearance. I resend the information by mail and by e-mail. This is not the first time that they have done this and I have made numerous attempts to get the matter resolved but was unsuccessful. please investigate this matter and report the correct information to the credit bureau. 

Thank you XXXX
Product: Student loan

I have had the unfortunate experience of dealing with Simm Associates, a collection agency, in handling my student loans. After losing my one of my jobs in XX/XX/XXXX and working at my other job only 30 hours/week ( employer given hours ) I was not able to make full payments on my student loans. I offered to make reduced payments, however, the original lender, XXXX XXXX, refused a payment reduction to $ XXXX/month vs the required $ XXXX/month. They then sent my loans to SImm Associates. Since XXXX 2016, I have received multiple calls to my business cell phone which I have asked them nicely on MULTIPLE accounts to not call. I then began taking screen shots of the calls so I could document the continued calls. The next step was calling me during the business day at my place of employment. I asked that call to stop as well, but they continued. They even went as far as to call my father-in-law harassing him for information- again, I asked them to stop and they did not. Each of these callers from Simm Associates were rude and threatening, telling me they were going to put a lien on my assets, garnish my wages, continues to call my work office until a solution could be reached. EACH AND EVERY TIME I offered to again pay them {$100.00} and they would only laugh and tell me that was not enough money. I asked for a payment plan of some sort, or a long term solution for paying off these loans. XXXX person, by the name of XXXX, actually hung up on me saying I was wasting his time asking for a payment arrangement. This was the same person who told me I graduated from an XXXX school and should know better. Simm Associates is a collection agency- they DO NOT have the right to harass me, tell me they are going to put a lien against my property, take me to court, to call family members not associated with this loan nor call my cell phone. They have my home phone number which I have asked them to call to speak with me. They are utilizing unfair collection tactics as described in the Fair Credit Collections Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I authorize these inquiries to be pulled from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the referenced account was removed and deleted from my Credit report XX/XX/XXXX, & XX/XX/XXXX This account was again re-inserted XX/XX/XXXX. 
Under the requirements of the FCRA, as provided below, I am hereby requesting your complete compliance with all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted. 

( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I have received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your company may avoid such action by immediately deleting this listing from my credit report. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an collection account on Experian report and Experian just updated and didnt even investigate the outcome. I asked for proof of contract and never received it. I uploaded a letter into Experian on XX/XX/XXXX18 asking for verication of debt or contract and all Experian did was update my credit report stating the collection agency verified. The collection has yet to send me any contracts or proof of the debt. 
SECTION 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify. I don't believe this account was verified with them. 
I'm enclosing the letter that was sent to Experian. 
XXXX  and XXXX has DELETED this account.
Product: Prepaid card

Cash app continuously will not provide me accurate or correct information when asked about how they came to the conclusion of the denial on my dispute for a transaction on my account. I provided supplemental proof of the company being fake, not recieving product purchased from company, the companys email system not even being real, not getting a response from the company. But yet all cash app can provide me with is the transaction number and the date and amount. Some how that suffices enough proof to them for them denying my claim. Like that is no proof at all. Then they come on here talking about oh contact customer service. And each and every time I do I get the run around. Talking about call our XXXX number for further questions and then the XXXX number says they will email me. And each and every time they email they can't provide me with how they came to the conclusion for denying my claim.
Product: Money transfer, virtual currency, or money service

I had XXXX XXXX close my account back in XXXX of XXXX and issued me XXXX cashiers checks XXXX for {$46000.00} and another one for {$5000.00}. XXXX XXXXXXXX claimed the checks have been mailed out and they would need to be signed for. XXXX weeks go by and not one check has been sent. No postal service people came to my home to have me sign anything. I have cameras to prove that as well. After informing XXXX XXXX they told me the checks are still in XXXX and haven't been mailed. I was told they were supposed to be overnighted and they weren't and on top of that they couldn't just stop the check and issue me the funds. After a week they declared it lost and the branch manager XXXX told me I can get my checks reissued and he would call me back to tell me when I can come in. After an hour all of sudden he tells me the checks were cashed but couldn't tell me where and who cashed it. All he said was there was a signature on the back that looked nothing like mine. Now he tells me I need to work with XXXX XXXX XXXXXXXX Fraud Department after XXXX  months working with them and many affidavits later. They found it cashed at a chase bank but had no Information on who cashed them. Then XXXX XXXX then issued XXXX letters to get a response from Chase ; they sent letters on XXXX. After finally getting a response from Chase we came to find out someone fraudulently opened a chase account using my name and information. I had all my accounts closed with Chase back in XXXX of XXXX and was told the banking relationship was over and can never open an account again. So Im wondering how the XXXX can someone can possibly use my personal information on a fake license to open an account. I been cooperating with XXXX XXXX  the whole time and they wont take responsibility for the lost checks. Chase knows I cant open an account so how and why would they let
Product: Credit reporting or other personal consumer reports

There are accounts that are closed on my credit report that are affecting my credit in a negative way and inquiries that I didnt authorize or recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a Kohls credit card holder for over 4 years. Recently I had a balance of over {$600.00} that I thought I completely paid off so I wasn't expecting a payment to be due at all. This was in XXXX, fast forward to XXXX I get a alert from XXXX XXXX that I had a 30 day late reported on my Kohls card. i immediately looked into it and realized there was a {$10.00} balance left from XXXX ( I don't know why ). I have been in XXXX  since XXXX, so I did not get any statements as my address is in XXXX, besides that I did not receive a phone call in XXXX or XXXX from Kohls to let me know that I had a missed payment. Now I am in the middle of purchasing a home and I have never been late on this card, Kohls refuses to take ownership of the fact they never notified me that I missed a payment. a {$1.00} minimum payment was apparently due in XXXX. Now my life is ruined for {$1.00}. Please there has to be something you can do to help me
Product: Credit reporting

The Dismissed Bankruptcy filed in 2008 has been removed from XXXX. Why hasit not been removed from Equifax. Typically when an item is removed from one reporting agency, it 's removed from all of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hate you experin your not fair with me you have my police report and you block any fraudulent information recently when I called you told me we ni linger do this this is horrible how can you say this to me
Product: Mortgage

On XX/XX/20 I was informed by the lender representative via phone call that I would not receive my closing credit of {$2100.00} fifteen minutes prior to scheduled closing. After that call he called me back and stated that I would instead owe {$1100.00}. I was assured by the lender representative in prior communications to specifically discuss clarity of closing credits that the there would be no more than a $ XXXX {$300.00} variance if any at closing from what was represented on the original closing disclosure. In multiple calls with the representative prior to closing he made it clear that there was nothing that could be done to honor the original closing disclosure I signed on XX/XX/20. The closing disclosures initially provided by the attorney did not reflect documents signed on XX/XX/20. 
The closing attorney did notice an error regarding property taxes that negated the {$1100.00} the representative said I owed but did not reinstate the {$2100.00} credit on the original signed closing disclosure. The closing disclosure was then revised a second time to show that neither party would be credited at closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have this negative remark in my credit report, by XXXX  XXXX XXXX. this is not mine, i have written the bureaus over a year, and XXXX  XXXX XXXX ( XX/XX/2021 ) asking for validation, of this debt. They have refused to validate, the credit bureaus, only saying it has been verfifeid which is clearly not the same. theses large giant companies, flaunt the rules, and the credit bureaus are in bed with them, verifying and validating are two different things, i'm a single mom looking to buy a home, and this erroneous mark is preventing it, can anyone please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FCRA The term " investigative consumer report '' means a consumer report or period thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 

Accounts XXXX  # XXXX XXXX/XXXX  # XXXX XXXX/XXXX  # XXXX XXXX/XXXX # XXXX XXXX XXXX  # XXXX XXXX  XXXX  # XXXX XXXX XXXX XXXX # XXXX DEPTEDXXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 a section 2also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I first noticed fraud on my credit report in 2021. I thought it could be a mistake and it looked as if a credit card was opened and paid off that I did not recall doing. Then another card was opened and not paid off. It is 90 plus days past due and I did not open it. Its a credit card under Comenity Bank XXXX XXXX opened in Ohio under my social security number and name. It was opened in a XX/XX/2021 and I disputed it online but it is still active. I have disputed with the credit card company and XXXX. My credit keeps decreasing almost every day. My credit has gone down more than XXXX  points. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the numerous attempts I have made to remove fraudulent items from my credit report. These fraudulent entries have significantly impacted my credit score and overall financial well-being, and despite my persistent efforts, they continue to remain on my credit report. The following fraudulent items have been adversely affecting my credit report : I kindly request your immediate attention to investigate and rectify these inaccuracies on my credit report. I expect a thorough review of the information I have provided and prompt resolution of these errors. I also request written updates on the progress of this dispute and the results of your investigation. I understand the importance of accurate credit reporting and am committed to restoring my financial integrity. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and am prepared to take any necessary legal actions to resolve this matter if these discrepancies are not corrected promptly. It is my hope that such actions will not be required and that we can work together to rectify these inaccuracies as soon as possible. I am asking for your assistance to remove the fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Account is ID theft. Police report filed and submitted with my CRA disputes. I will also be submitting FTC affidavits regarding identity theft. I have retained legal representation.
Product: Money transfer, virtual currency, or money service

The amount of {$430.00} was transferred on XX/XX/2018 through my wellsfargo account to a friend who enrolled in XXXX but her bank is XXXX so she never received the money. I opened a claim with XXXX to have my money refunded so I could send it to her in another way but they state that the transaction has been completed and will not refund my money that I have to go through XXXX. At this time XXXX is referring me back to my bank. It's becoming a nuisance that they keep " pointing the finger '' to one another and I still have {$430.00} deducted from my account that my friend hasn't received. She did end up adding her phone number and email address to a XXXX XXXX XXXXXXXX account and it still hasn't been sent to either one of her accounts.