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

The credit bureaus stated that my accounts were properly investigated but how is that possible if the open date is inaccurate, date last reported is inaccurate, last active inaccurate, last payment date inaccurate, Past due inaccurate, Balance inaccurate, account status inaccurate, monthly terms inaccurate. This is grounds for removal and they also violated my rights under 15 U.S Code 1681 Section 602 A States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureau took more than 30 days to complete my investigation here is my certified mail tracking XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy is listed as filed on my report that has not been filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract - any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account, I expect to see an original proof of the accounts that Im listing below XXXX  XXXX XXXX account : XXXX {$1800.00} comments : Not mine XXXX XXXX XXXXXXXX account : XXXX {$330.00} comments : Not mine XXXX XXXX XXXX account : XXXX {$0.00} comments : Not mine XXXX XXXX  XXXX account:XXXX {$0.00} comments : Not mine XXXX XXXX account : XXXX {$330.00} comments : Not mine XXXX XXXX account : XXXX {$0.00} comments : Not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I wrote TransUnion that XXXX XXXX XXXX was charging me for fraudulent charges on my card # XXXX and that I refuse to pay them. I also sent TransUnion 60 pages of evidence to support my claim. TransUnion has, nevertheless, damaged by credit rating because I refuse to pay fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$88.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 another person not being me applied for a credit card online to Creditor Name : NORDSTROM/TD BANK USA. I received a letter from the creditor and I was informed that they would take care of the issue and remove the inquiry from all 3 bureaus. 
It has been more than 30 days and the inquiry is still reflecting on my credit report. By the way I was informed from creditor that the person who stole my identity input my information from Florida and I live in California,
Product: Credit reporting, credit repair services, or other personal consumer reports

There were several car companies that inquired about my credit when I didn't give them permission to. I reported it to XXXX, XXXX, and Experian and they haven't removed them from my credit report. The following creditors inquired without my permission : -XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX -XXXX  XXXX XXXX -XXXX XXXX XXXX ( XXXX ) -XXXX XXXX XXXX -XXXX  XXXX XXXX  -XXXX XXXX XXXX XXXX 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

TRANSUNION STARTED REPORTING AN ACCOUNT THAT I DONT RECOGNIZE, XXXX XXXX FOR THE AMOUNT OF XXXX DOLLARS FROM XXXX  XXXX. I REQUESTING A VALIDATION OF THIS ACCOUNT WHICH IM ENTITLE TO ACCORDING TO THE FCRA. THIS ACCOUNT IS NOT MINE, AND WANT IT CORRECTED. PLEASE SHOW ME WHEN THIS ACCOUNT WAS FIRST DEFAULTED ON. I AM ON SSDI SO MY INCOME IS FEDERALLY PROTECTED FROM SCAMS.
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX XXXX retired woman who was cleaning out a closet containing old guns and ammunition to gather funds to supplement my social security income which is my only income. I sold them through XXXX and some people paid through Paypal. All sales were conducted legally following all state and federal laws. Hindsight and an email from Paypal led me to see in the fine print of their user agreement that Paypal does not allow selling and buying of guns, gun parts, or ammunition. I immediately stopped using Paypal for my transactions. 

Paypal confiscated over {$11000.00} from my account. They say I violated their user agreement and the money was taken to compensate them for damages. I spoke with 2 different people, the second one, a supervisor told me there were no options, no way to appeal their decision and that he could not reveal my violation of user agreement. He said that each violation bore a compensation of {$2500.00} to Paypal and that I had multiple violations and the money was for damages sustained by Paypal. I asked what damages were sustained and he could not answer. 

When Paypal informed me by email that my account was frozen on XX/XX/2021, they said they would hold my funds for 180 days. They said that they would email me after that time. I never received any more communication from them. I looked at my account and on XX/XX/2021 they posted a payment to Paypal for damages cause by Acceptable Use Policy violation. Just like that! Poof! My money was gone! I can not see how any damages were incurred by such a large worldwide company. 

I feel like the penalties were excessive. I feel like Ive been robbed. The entire balance of my account, {$11000.00}, is gone. I can not find any way to speak to anyone else. When I asked this supervisor, XXXX, if there was someone else I could speak with, he said no, there was no one higher than him. Im hoping that you can help me regain at least some, if not all of my monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account # XXXX Has failed to correct and report proper payment status and balance of this account to my detriment. XXXX XXXX XX/XX/XXXX as well as XXXX, XXXX, and XX/XX/XXXX they have failed to fully report the status and balance of this account. Omitting this information has resulted in positive payment History creditors dropping me from making any withdrawals as these omissions are reporting as unknown and presumed as missed payments. I have settled this account with XXXX XXXX and they continue to report incomplete information. After settling this account they reported this account with a new major delinquency XX/XX/XXXX to the credit bureaus after agreeing to report the account as Paid/Settled Charge Off this creditor is spiteful and unjust even after I elected to settle the account in good faith. Even now they will not report the original balance, the date closed, past due amount which should say {$0.00}, or date of last activity. I have been told by XXXX XXXX that the new reports would be correct and after disputing with the bureaus they refuse in an effort to harm my odds of homeownership or favorable credit scores they have failed to report accurate and complete information numerous times please delete this account from all bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I XXXX XXXX. I have provided proof of my ID Identity theft report from the Federal Trade Commission. And a notarized Identity theft Affidavit showing that this complaint was submitted by me in fact. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( Mo ) XXXX XXXX, XXXX - presume that proof of the alleged Debt, Nor therefore any such debts in fact therefore Exists XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX Opened XXXX
Product: Credit reporting or other personal consumer reports

After sending in proof of my identity theft Equifax refuses to block and remove the criminal activity from my report even after XXXX  account from XXXX was mentioned by the XXXX in the report the account that the call of I identity theft was made and mentioned in the report at that time XX/XX/year>2022 Equifax still refuses to remove this account that was changed and stolen from me and the people who committed these crimes changed the account and the XXXX mentioned XXXX could only tell me what parish the person was in that was involved still Equifax report lies and it has to be corrected and then brought to court for damages. They received these XXXX reports XXXX from the FTC and the other local that was at tilat time 2 years ago that shows all the accounts in around that time were the result of identity theft are effected by identity theft as I said back then to the XXXX so many attempts were already made then. It's easy to see who's on the right side of the facts and I need the FTC to help me get justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX  XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM XXXX, EXPERIAN & XXXX DATE OPENED-DATES DIFFER FROM XXXX, EXPERIAN & XXXX BALANCE- AMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX, EXPERIAN & XXXX CREDIT LIMIT- AMOUNT DIFFER FROM XXXX, EXPERIAN & XXXX PAST DUE- AMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, EXPERIAN & XXXX DATE LAST ACTIVE-DATES DIFFER FROM XXXX XXXX EXPERIAN XXXX XXXX DATE OF LAST PAYMENT- DATES DIFFER FROM XXXX XXXX EXPERIAN XXXX XXXX PAYMENT HISTORY-DATES DIFFER FROM XXXX, EXPERIAN XXXX XXXX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been contesting items on my credit report that appear to be fraudulent. The things are not in question, and they have not been removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to have an impact on my credit score. I have demanded that an investigation be launched, as well as verifiable proof be provided if the things claim to be mine. ENOUGH is ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMETHING DONE? CHECK THE ATTACHMENTS! NOT IN ROCKET SCIENCE! You requested documentation, which I have provided. AGAIN, AGAIN, AGAIN! This is my last choice before I consult with my lawyers and file a lawsuit for full compensation and damages. Please remove this. 
XXXX  XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX : {$800.00} ; XXXX XXXXXXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX XXXX : {$190.00} ; XXXX XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX : {$160.00} ; XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX Balance XXXX {$3900.00} ; XXXX XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX  XXXX Balance : {$890.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX, XXXX, L ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a " Payment Reminder '' from a company called FORTIVA claiming to be a retail creditor, and listing the last four digits of an account number. I do not have any idea what " FORTIVA '' is or represents, and did not open any account with a company by that name. The email directs me to pay a minimum payment of {$30.00} by XX/XX/XXXX and lists an address to send a check or money order. It is a 'noreply ' email and I have tried calling the toll free number provided but putting in the numbers listed in the email as the 'last four digits ' of the supposed account starts a loop of a computer voice rejecting that input, and asking me to input my nine digit social security number. I did not do that and immediately did an internet search to find out what kind of company FORTIVA is. That is how I found this CFPB site. I have not received any of the common required disclosures from this creditor ( that I would expect from any credit holder ), nor do I have any form of charge card. 

ALSO NOTE : In the final step of this complaint process the form wants an address that the billing would go to ... as I have no knowledge or information about this account, I DO NOT KNOW what address, however, to finish this complaint I reluctantly will indicate the same address as my primary address - I am conflicted as I do not want to provide a company I perceive as a bad actor with access to my correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX  account on all three of my credit report. On my XXXX it says I have a late payment on XX/XX/2018. On my XXXX  and Equifax credit report it says i have a late payment in XX/XX/2018. 
Each credit bureau is reporting different information that is not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a hard inquiry on my XXXX report for a credit card I never applied for on XX/XX/2022. When I called the lender they couldnt help me because I dont have any other information other than what is on my credit report. And XXXX said I had to report it with the Federal trade commission before filing dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

We in the process of contacting the credit bureaus to investigate the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, SC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being brought due to the fact in the month of XXXX I submitted a dispute to Experian in regards to fraudulent items on my consumer credit report but did not hear back in regards to an update towards my dispute when contacting Experian they stated that they had no information despite the fact of receiving my dispute via XXXX mail certified. I am a victim of identity theft and this blatant disregard to my due process via the FCRA section 605B, included in my dispute over the fraudulent items was the following, a copy of my current drivers license a copy, my official Social Security card, a copy of my current utility bill establishing identity and address a direct letter from entity where the information breach took place as well as a copy of my FTC identity fraud affidavit and local police report. 

It is damaging enough to have been a victim of a data breach, yet now I am not being acknowledged in my dispute and my congressional rights are being violated.
Product: Credit card

XX/XX/2023 I established a MasterCard business account with Sam 's. The account was approved and {$360.00} of items were charged. XX/XX/2023. I had not received the bill from Sam 's nor a credit card. I reached out to Sam 's and they directed me to Synchrony Bank, which holds ownership of the account I contacted Synchrony they did not know the account. I held the line for three hours, trying to validate that this account did exist. I never received the bill or a credit card, finally, synchrony referred me to the fraud department. I was rerouted to customer service and informed that I needed to fax in something that validated our new address. I faxed in a letter from Georgia 's secretary of state validating my address, and phone numbers. I held the line for a total of three hours before reaching an American citizen who was helpful and reassured me a card would be issued. I had not received a bill or credit card by September. I again reached out to Synchrony who confirmed that they had received the letter from the Secretary of the State of Georgia and had our updated phone numbers. In XXXX, we received a bill from Synchrony and a letter stating the account had been adjusted, but no credit card. We contacted the company again to be held for over 3 hours discussing the matter. The company once again is asking us to validate our authenticity and resend information. When asked to speak to an American citizen the reps became hostile and hung up on us. We have met all requirements through the federal Customer Identification Program ( CIP ) and this bank has validated this by billing us as a customer. I do believe that this bank violates providing fair and equitable customer practice. This bank also should provide knowable service representatives who can comprehend and speak XXXX that is comparable to the levels of their overall service population. Prolonging this unsettled matter is causing harm to my credit/reputation as a business owner. Synchrony has received all information requested that validates my company 's authenticity and has billed us accordingly, Synchrony Bank has yet to release the credit card that was approved in XXXX of 2023 as of XXXX of 2023 but has billed us stating that they are unable to validate the authenticity of our company.
Product: Student loan

I have been unable to pay off accruing interest on current loans to prevent capitalization of said interest. When I submitted payments, they 're considered " refunds '' of my loan and are taken off my principal amount. I 've called Navient customer service to complain about the issue on their site as I have made such payments before and I received no straight answer as to how to make an actual payment to be applied to my accrued interest. They appeared to have no knowledge of this and stated that any " payments '' made on current loans were considered loan refunds. I fail to believe I ca n't make payments before the repayment period to avoid capitalization. It appears that Navient is forcing me to pay interest on top of interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

notices some unauthorized, and fraudulent entries listed on my report. The following accounts submitted below please block and remove from my report. These unauthorized, and fraudulent entries are hindering my credit report
Product: Debt collection

On XX/XX/XXXXI found I had an open collection account on my credit report. I sent a dispute through the credit bureau disputing this XXXX XXXX XXXX XXXX that was on it. The amount was for {$1000.00}. 

On XX/XX/XXXX midland responded by sending a letter stating the are uncertain of what I am disputing and to please send more information on what was being disputed. Also one month statement was included. 

On XX/XX/XXXX I mailed a letter to midland requesting a copy of a signed agreement showing I owe XXXX XXXX any amount of money. I also requested some documentation showing that XXXX  purchased the debt from XXXX XXXX. 

On XX/XX/XXXX XXXX sent me another letter showing the same as the first letter they sent showing they are uncertain what I am disputing along with wanting me to send them more information.
Product: Credit reporting or other personal consumer reports

A fraudulent address appears on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Despite disputing it, it remains on my report. The reporting company claimed to have corrected it. I have a police report, filed with identitytheft.gov, and possess dismissal letters from XXXX XXXX XXXX XXXX. These documents were provided to the credit bureaus and the reporting company, yet the address persists on my report. Erroneous accounts from XXXX XXXX and XXXX XXXX are also listed. Despite submitting a police report and a fraud packet, I received no correspondence, and the credit bureau continues to update these as recent and verified. Additionally, I disputed two XXXX accounts that are not mine.