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

I recently submitted a request for an investigation of the disputed account, which Credit Bureaus claimed was verified. Since I believed they didnt properly investigate my dispute I contact the XXXX XXXX on the previous month XX/XX/2022, via certified mail. They were responding proving to me that I was correct. Experian, XXXX and XXXX records show that it was incorrect. Since their investigation was done improperly, I need the following accounts listed below to be updated in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
o XXXX XXXX XXXX Balance Owed : {$7900.00} o XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

I purchased shoes over the internet from XXXX, which were too small, and which I paid by a using a Citibank credit card. The merchant 's policy is that a customer must advise them through their website of the return, they will email the necessary return label so they can track the return, and will then credit the account when they receive the return. XXXX would not process the return, so I disputed the charge. Citibank 's preliminary investigation went against me because XXXX told them I had not attempted to return the shoes while not telling Citibank that I was unable to get it to process the return. I then sent a more detailed letter to Citibank, per its request. On XX/XX/21, Citibank simultaneously emailed me that the dispute was still open and issued a letter saying that the dispute was closed. This is problem one. Problem two is that the reason given by Citibank was not I had not provided a credit slip when the basis of my complaint against XXXX was that they would not process my return and give me the credit slip. Citibank obviously did not investigate m dispute and found against me pro forma. Sending me a contradictory letter and email on the same day about the status of my dispute is unacceptable.
Product: Debt collection

Last few weeks, these ODD Account Services calls have been coming into my cell phone. First it was XXXX it was 2/from different numbers/day. Ive been deleting them because with my health issue of XXXX  XXXX, weve been extremely cautious with paying our accounts off to make insurance payout maximums. I phoned the numbers today and the unAmerican male voice assumed I was ANOTHER NAME. Then they said they mustve been given a wrong number and promised not to call again. 

I deleted their numbers before I got to your sight but I do know he said his company was MCM Collections. 

Those are NOT our accounts.
Product: Credit reporting or other personal consumer reports

My information was was impacted by two data breach and sold on the XXXX XXXX and information is in accurate and they refuse to move it after two years of dispute this 15 U S C 1681 right to privacy, my rights has been violated under the FCRA as a consumer
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, three employees from an out of state XXXX accessed my customer account and did a XXXX swap. With access to my phone number they did a CoinBase password recovery and accessed my CoinBase account. I disabled my account per CoinBases 's instructions within 30 minutes of my account breech. I worked with my local XXXX to secure my phone, worked with my local police in regards to the 3 employees who accessed my XXXX account. I informed CoinBase I needed access to my account. I have an open police report and an open investigation with XXXX Coinbase is unwilling to communicate with me, and unwilling to help me access my account. I have no idea what or how much was taken. I need a transaction history. This is going on 2 months. I filed a formal complaint through CoinBase, only for them to close the case with no help or resolution. My next step is legal litigation. 

CoinBase Case # XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$4300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$880.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

I am disputing the validity of the past due debt imposed by XXXX at XXXX XXXX on my credit report. Despite a settlement agreement, the debt is invalid as myself and the other tenant left fully paid up and without any wrongdoing. We possess evidence to support our claim, the condition of the unit upon exit, and we were not formally contacted as required by law. 

Furthermore, XXXX at XXXX XXXX has engaged in retaliatory actions against me, including harassment and intimidation tactics. These tactics from them are in response to a documented incident involving a partner of XXXX which brandished a firearm and put myself and my families life in imminent danger. This behavior is unacceptable and must cease immediately. 

We demand that XXXX at XXXX XXXX remove the past due debt from my credit report and return our security deposit as required by law and as per terms of our settlement agreement. A fair resolution to this matter is expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this medical charges that ended up on my credit report with all 3 credit bureaus. XXXX and XXXX have responded and stated that I was correct and this is not my bill nor could have provide valid proof and they have removed these from my credit record. Experian on the other hand keeps saying that the charges are valid and will not remove nor prove signature they are mine. I show proof of ID and sign EVERY time I get anything medically done. Experian has dropped my credit another 74 points yesterday because of this and it is truly aggravating and destroying my credit that I have worked very hard on. Please show valid proof or remove these from my credit and store my points XXXX XXXX XXXX {$720.00}
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a XXXX XXXX XXXX  & XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, causing XXXX XXXX XXXX XXXX & creating XXXX XXXX XXXX XXXX XXXX XXXX. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report of Account name OCWEN LOAN SERVICING Account number XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of the victims of Equifax 's XXXX XXXX and also a victim in there recent " INACCURATE '' scores given this year XXXX and caused severe financial hardship. Furthermore, Equifax has ignored my FTC Identity Theft report and has failed to block the fraudulent accounts under The Fairs Credit Act 605b. They have caused severe financial hardship for myself and my family. I have attached the certified letter sent to Equifax on XX/XX/XXXX with evidence including Identity Theft Report, My SSN Card/Drivers Licenses, and Utility bill for verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  {$160.00} open XX/XX/2019 FRAUD REMOVE XXXX XXXX {$0.00} FRAUD REMOVE XXXX {$960.00} FRAUD REMOVE XXXX XXXX  {$1000.00} FRAUD REMOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX account on my experian and XXXX credit report reporting as a charge off. both reports are showing different information. I have sent over 20 plus disputes and they have yet to still correct the issues. The Account number is XXXX # XXXX. 
On Experian is shows date of removal being XX/XX/XXXX while XXXX shows XX/XX/XXXX. XX/XX/XXXX on both shows " ND '' as no data. How can this be accurate if the data is not reporting, Experian shows No data for XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX, On XX/XX/XXXX Experian is showing No data and XXXX is reporting 30 days late, Experian high balance is {$0.00} and XXXX shows {$89000.00} and XXXX never showed the credit limit. Both Reports are show many inaccuracies which is a violation of my rights. I have submitted many disputes for correction and still have yet to see the changes. If they can not fix or correctly report i ask they please remove the accounts.
Product: Credit card

On XX/XX/year> I recieved a Bank Of America Credit Card in mail. It was a XXXX XXXX rewards credit card. I did not apply for this card. I called them to get it cancelled. I am waiting on documentation in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following companies have violated my rights.
LXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
15USC 1681 section 602 A states I have the right to privacy.
15USC 1681 section 604 A section 2, I also States a consumer reporting agency cannot furnish an account without my written instructions.
Product: Credit card

They never sent me a statement so I did not know I owed anything, the charge me a {$45.00} late fee and and other fees I did not know of, when I told them to cancel the credit card they said they can not till I pay them. This credit card company is Revvi, it-is a high interest card out of XXXX XXXX XXXX Sd. I never used the card at all
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX until XX/XX/XXXX, TransUnion has illegally charged my debit card {$19.00} per month for a service that I never signed up for. In XX/XX/XXXX, the IRS sent me a letter stating that my identity had been stolen. I went onto XXXX XXXX and followed a link to XXXX and TransUnion, just trying to make sure my credit wasn't wrecked. I did not, anywhere, consent to pay TransUnion {$19.00} per month for a credit reporting service that is free through XXXX XXXX and my bank. 

I just called TransUnion and they said all they could do was give me one month 's refund. That is absolutely unacceptable and I am prepared to get my attorney involved. I require a refund for every single month that TransUnion charged me, illegally, for a service I never requested.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1600.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting

On XXXX XXXX, 2016, I requested my transunion credit report. I received it ( file XXXX ) and submitted a dispute form regarding an account with XXXX and XXXX on XXXX XXXX, 2016. I did not receive a reply from Trans-union. The same inquiry was submitted to XXXX and XXXX and both have communicated to me since that date. On XXXX XXXX, 2016 I wrote Transunion a letter stating that my XXXX XXXX dispute had not been addressed. I submitted a copy of the original dispute form as well as requesting that Transunion report the disputed XXXX account accurately pending the results of the dispute. To the date of filing this complaint, XXXX XXXX, 2016, Transunion has failed to address my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I reached out to sage stream to view my credit report and it had tons of errors on it. I disputed several items but yet there still remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX My husband ( XXXX XXXX, SSN XXXX   ) and I traded in for payoff, a XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. The XXXX   was financed in XX/XX/XXXX by XXXX XXXX ( fka XXXX ).

XXXX and I left the XXXX  at the XXXX dealership and took possession of a XXXX XXXX XXXX We were of the expectation that within 10 days Bridgecrest would be paid in full for the XXXX XXXX.

In XX/XX/XXXX, we saw a 30-day late on our XXXX   Credit report. We disputed it several times online to no avail. The most recent dispute is attached. This was filed after I personally spoke to Bridgecrest and XXXX and Bridgecrest stated they were not going to change the report. XXXX  suggested that I get more supporting documents, which I attached to prove that we were not at fault for the 30-day late. The General manager at the XXXX  dealership also drafted a letter stating the same and detailed the turn of events that resulted in the late payoff to Bridgecrest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 an 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 or 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: Mortgage

Issue # XXXX Loan repayment I requested a loan repayment in XXXX of XXXX. Wells Fargo prolonged my request by requesting the same documents over and over. Now we have a approval after XXXX. The approval was a complete modification with a changed interest rate ( 3 % XXXX % ) I have already made my XXXX XXXX payment. 
Issue # XXXX Insurance Check XXXX XX/XX/XXXX my bathroom flooded. 
I put in a insurance claim, my insurance wrote the check to me and Wells Fargo. I was told to take the check to Wells Fargo and they would sign and release the check. I did but Wells Fargo would not sign the check because they said quote on quote " WE ARE TREATING YOUR LOAN AS A MODIFIED LOSS AND WANT YOU TO MAIL US THE CHECK ''. My modification was already approved and my XXXX payment was made and on time. So you are discriminating against my loan because I have a MODIFIED loan?? This was said to me on a recoded line. I had water damage and Wells Fargo wants to hold my check to see if I'll default in my modification so they can apply my check to the loan. My repairs are on hold because I can't pay my contractors because Wells Fargo wants to hold my check instead of allowing me to repair my home.
Product: Credit reporting

On XX/XX/XXXX, I discovered an account that had been " added '' on my credit report with no notification. It was an auto loan with XXXX from XX/XX/XXXX. The " date reported '' was listed as " XX/XX/XXXX ''. On XX/XX/XXXX, I faxed numerous documents to Equifax showing that it had never been on my report and was not mine. They have repeatedly mixed my data with other people with the same name as mine and taken months to correct it after I 've informed them of it. 

On XX/XX/XXXX, I filed a dispute since they would not remove it via phone or fax. I called Chase Auto Finance to confirm that the account was belonging to someone else with the same name as me, but an address I never lived at, and different social security number and date of birth. 

Today on XX/XX/XXXX, it shows it has been updated. They moved the " date reported '' to XX/XX/XXXX, the day I faxed them proof showing that it did n't exist prior to then, and moved it from Open Accounts to Closed and charged off. I called XXXX again and they confirmed that I do not have any accounts with them. 

Clearly Equifax did not actually verify the ownership of this account under the requirements of FCRA and on top of that, they altered the history to hide that it was mixed in with mine through their data-linking software by changing the date it was reported to the file. 

I attached reports from XX/XX/XXXX - no account present ; XX/XX/XXXX - account present with XX/XX/XXXX insertion date and a screen shot of the updated account showing that the insertion date was changed to XX/XX/XXXX. I have a record of numerous reports that I can provide as well. I provided multiple Equifax reports to Equifax to show that the information was erroneously linked to my report ( along with two other accounts they removed that shared the SAME address and SSN as this account ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a dispute on their website disputing my XXXX XXXX car lease which they added a late payment for XXXX and the car was never late on XXXX i also added pictures as proof that car was paid and never late and they didnt remove the late payment which they are in direct violation
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company was XXXX XXXX and my lender sold my account to Flagstar banking. I noticed that my credit score dropped  tremendously because it showed that my account was closed but actually it was sold to Flagstar banking. They have not reported that I pay my mortgage through them now and it's effecting my credit score.
Product: Credit card or prepaid card

I HAVE A CREDIT CARD BALANCE WITH BANK OF AMERICA AT TWO DIFFERENT INTEREST RATES EACH MONTH I PAY OVER THE MINIMUM DUE PAYMENT. I THOUGHT THAT THE AMOUNT OVER THE MINIMUM WAS SUPPOSED TO GO TO THE BALANCE WITH THE HIGH INTEREST RATE. THIS DOESN'T SEEM TO BE HAPPENING WITH THIS ACCOUNT THE BALANCE WITH THE HIGHER INTEREST RATE CONTINUES TO INCREASE WHAT WAS THE XXXX CARD BILL?
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my 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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I hope this message finds you well. I am writing to seek your assistance regarding a troubling issue with my credit report. 

Recently, I discovered that an account from XXXX XXXX XXXXXXXX, which I had previously disputed as fraudulent, has been reinserted into my credit report by XXXX, TransUnion, and XXXX. This is despite the fact that I had provided evidence of the fraudulent nature of the account, including a police report and a report filed with the Federal Trade Commission ( FTC ), leading to its initial removal. 
I am deeply concerned about the implications of this reinsertion on my creditworthiness and financial well-being. It is distressing to see this fraudulent account resurface without any notification or explanation, especially after I had diligently followed the proper procedures to dispute and remove it.