23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late payment : XXXX XXXX XXXX XXXX XXXX inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX Former : XXXX XXXX XXXX Name : XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY  XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2021 there was an unauthorized {$1000.00} withdrawal made from my Navy Federal Checking account and transferred to an unknown account with XXXX. The credit union said that someone accessed my account using username/password and the funds were transferred to an external account. To setup transfers to external accounts the credit union required that I verify small deposits before I could transfer money out of the account. The only external account I have with the credit union is with XXXX XXXX and I had alerts set up whenever there is a transfer greater than {$100.00}, none of the alerts worked. I don't have but 2 devices that are authorized in my account and I checked both for malware and viruses with software suggested by the credit union and both came back clean. They promised me that my funds would be available pending an investigation, I was never contacted by the credit union and when I called back all they said was that the claim was denied and I would be getting a letter. I had reported this unauthorized withdrawal while it was still pending and the credit union failed to stop such funds from going out. I had no other devices that were authorized to login to my account, I reported the problem the same day it occurred, my accounts were closed and new ones were opened with the remaining funds. This was my mortgage payment that was stolen from me and I feel cheated. The credit union failed to keep their systems secured and now I've become a victim of their lapse in security. I have no access to the statement or any proof to where the money was transferred. When the old accounts were closed every evidence I could use was deleted. Almost as if to delete any proof and to deny me access to documentation about who or where my money was transferred.
Product: Debt collection

In my credit report are reported XXXX XXXX accounts that do not belong to me since XXXX XXXX I have done research for a check to be removed from my creditol report Which are XXXX # XXXX balance in Loss {$1100.00} this was opened in XXXX XXXX and XXXX # xxxx in positive, this opened in XXXX XXXX reports that I had a credit limit of {$500.00} that does not belong to me either. Despite the efforts that I have made, it is not possible to verify or the credit bureaus are not doing the appropriate steps to verify who the account is and apply it to the right person. In the investigation carried out now in XXXX I found that the XXXX account in loss reports that it is being paid as agreed which instead of removing this amount continue to report incorrect information. there are also reported open accounts of used XXXX XXXX XXXX # XXXX bal in loss of {$760.00} that does not belong to me and XXXX XXXX # XXXX bal in loss {$630.00} that does not belong to me.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$440.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I try to get my supposedly free annual credit report, I'm blocked from getting it because of bogus questions from TransUnion and XXXX  ( answers always " none of the above '' ), and XXXX  the problem suggests I'm not alone. XXXX  is the only company on there that doesn't try to dodge legal requirements by claiming they can't confirm my identity unless I physically mail them documents. Maybe I'm wrong, but it seems like they're just creating an extra obstacle to stop people from accessing their credit reports for free. What's arguably worse is that I can't check for fraud because the questions they rely on to confirm identify are the same questions I wouldn't be able to answer correctly if my identity had actually been compromised!
Product: Mortgage

What about four weeks ago I started a refinance on a VA loan with Rocket Mortgage. It was supposed to close quick and then one thing led to another and they switch the loan on me to a different type of VA refinance loan! They keep asking me for paperwork that I just dont have and doesnt exist. Theyre saying they cant verify my income meanwhile I am in the air guard reserve and Im going to school on the G.I. Bill. They keep asking me for orders my orders and I keep telling them I dont have orders Im in the XXXX XXXX XXXX! Can you please help me?
Product: Debt collection

See my complaint to CFPB number XXXX I am a retired veteran and have three types of medical coverage. ( Nationwide Recovery Systems stated to me they were just given this account on XX/XX/2022 and is currently a debt they can legally collect on and I would suffer credit damage on a debt that is collectable. The claim that I owe XXXX XXXX XXXX XXXX medical bills which is not true! That collection agency has called me on repeated numbers, my work line, cell phone line and home number up to and including 7 times per day. I have repeatedly told them the hospital and XXXX XXXX XXXX XXXX are out of business and to send me an itemized billing for the dates of service and they can not provide such a bill/invoice. I have sent them a Cease and desist notice and they have not honored this request and continue to harrass me on a daily basis. Look up your claim number that this dispute was resolved and cleared off the books as a debt that I do not owe. I am 100 % covered through medicare, XXXX XXXX XXXX ( XXXX XXXX not an advantage health care ) and also a medically XXXX XXXX XXXXn the VA system. I have NEVER had a medical bill unpaid. Please once again assist me in stopping these unwarranted harassing phone calls. They can NOT produce an invoice and detailed billing per my phone call with them.
Product: Credit reporting or other personal consumer reports

Good afternoon. I saw very strange things in my credit report. They look unusual and I don't know what they are. I have never give my personal information to these creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and removed from erroneous reporting in my file are listed on 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested in writing multiple times that the XXXX XXXX XXXX on my credit report with all 3 reporting agencies be verified and that they provide the procedures in which they verify that this information is accurate. 

This is the information I have requested : XXXX XXXX XXXX, Docket # XXXX Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information 2.The name of the person at the courthouse who handled your request 3.The address of the courthouse 4.Which document you obtained to verify the bankruptcy The generic responses I receive are that they were verified ignoring my requests for the procedures that violate my rights under FCRA 611 aforementioned. 

I've also verified with the XXXX County courts that they have no role in the credit reporting process in which they made the following statement : The XXXX Court has no interaction with credit bureaus, including Equifax, XXXX, and XXXX. The Bankruptcy XXXX does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 

I previously wrote all three credit reporting agencies to investigate and verify the bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 

I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. 

It is quite clear that someone from XXXX, Equifax, and XXXX lied about verifying this XXXX with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that they IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX XXXX XXXX, Docket # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because during my pursuit to get an issue resolved with Experian, they have become unresponsive and non-complaint according to the law. I have been actively and diligently trying to resolve an issue that I have been having with Experian for several months. Specifically, in regards to a dispute for a collection account in which I have no knowledge of, and was never made aware of. In XX/XX/XXXX of this year, I checked my credit report and noticed that there was a collection account. Quite surprised, I immediately drafted a letter ( dispute ) to Experian, explaining to them that I was not aware of the debt, and would need proper verification/validation if indeed this was my debt. A few weeks later, after the investigation was concluded, Experian removed the account from my credit report as expected. About a month or so later, when reviewing my credit report, I noticed that the account had reappeared, with the same details as described above. Once again, I drafted another letter, this time asking why the account had reappeared, the manner in which it was verified, and an explanation as to why I was never notified of the reinsertion. This letter was also sent certified mail to assure that someone from their office received it. It has now been over a month since sending my last letter, and I have yet to receive a response in regards to my original dispute, or an explanation as to why the account reappeared on my credit report. I am frustrated with Experian because I have spent a lot of time drafting letters and money sending them certified, only for my requests to be ignored. This account has negatively impacted my credit rating, making it difficult to obtain certain loans for my family. I am writing this complaint because I feel that Experian has violated my rights as a consumer. I feel like I have exhausted all of my resources, and hope that there is something that your department can do to assist me in resolving this matter. I sincerely appreciate your time, and hope to hear from someone soon!
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to multiple disputes on XXXX XXXX XXXX account ending in XXXX that has not been corrected I have used all my free credit reports. I have disputes this 10 times and they still have not corrected it. I have sent end documentation electronically, by mail, and by certified mail multiple time. I have call 20 times and they still have not corrected issue. The acct ending in XXXX show charge off with balance and 23 missed payments that has not been corrected. I have sent 5 letters for  method of validation since XXXX of 2019 and they have not responded to any of the letters.
Product: Debt collection

I was told by a friend in law enforcement that my name is on a docket to appear in court. I never received any type of notification. They said law enforcement delivered the noticed but I never received anything. Also if you contact law enforcement they can tell you they didnt hand me any type of court notice. 

This account does not belong to me. 
I have requested original formation of account documents. The company still has not provided them.
Product: Debt collection

To whom this concerns : This company is reporting negative misleading information to the three major credit bureaus XXXX, XXXX, XXXX. My name is XXXX XXXX XXXX. And this is a formal complaint that XXXX XXXX XXXX, XXXX are reporting inaccurate and incomplete information under a different name which is a Violations. I am very upset. And amazed that the government allows these agencies to make such obvious errors on people credit file which is damaging. However I'm willing to do whatever it takes to make sure this collection agency get held responsible for poor reporting practices. And for the record I'll restate my request. I need evidence of proof of the alleged Debt specifically the alleged contract or other instruments authenticated bearing my signature all authenticated documents.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account Number : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I was checking my consumer report and I saw a bunch of credit inquiries that I do hot recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$790.00} ADVANTAGEAU XXXX Balance Owed : {$6400.00} ADVANTAGEAU XXXX XXXX Owed : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of The West is reporting innaccurate lates on my credit file. The lates are for XX/XX/XXXX and XX/XX/XXXX. I made my payment online & it kept giving me an error even though it said it went through. So, I called you guys to confirm, after waiting on hold for over an hour for a representative they told me they didnt see a payment & they took my payment over the phone! This is not my fault and I am not sure what is going on over there, I gave all my personal info for the payment to your representative, why wasnt it set up? Were they working from home & now they have my info? Please remove this late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF THE EQUIFAX XXXX XXXX AND XXXX DATA BREACH. RAN MY CREDIT TO OBATIN AND MORTGAGE AND WAS TOLD BY LENDER THERE ARE FRAUDULENT ACCOUNTS AND INQUIRIES ESTABLISHED IN MY NAME WITHOUT MY CONSENT AND AUTHORIZATION. SOMEONE HAS BEEN USING MY SOCIAL ILLEGALLY. I REACHED OUT THE THE CREDITOR DIRECTLY AND ALL 3 CREDIT BUREAUS AND XXXX IS THE ONLY BUREAU THAT SUCCESSFULLY REMOVED THE NEGATIVE FRAUDULENT ACCOUNTS FROM MY REPORT PROMPTLY. I HAVE SUBMITTED THE REQUIRED DOCUMENTATION FOR THE LAST 8 MONTHS TO EQUIFAX AND XXXX   WHICH INCLUDE COMPLAINT DISPUTE LETTER FTC IDENTITY THEFT AFFIDAVIT AND ALSO OFFICIAL POLICE REPORT AND STILL NOTHING IS RESOLVED REMOVED OR BLOCKED FROM MY CREDIT FILE. THE FRAUDULENT ACCOUNTS ARE FALLS COLLECTIONS {$440.00} XXXX XXXX XXXX {$12000.00} AND XXXX XXXX {$0.00}. I DID NOT OPEN THIS ACCOUNTS OR AUTHORIZE THEM SO THEY SHOULDNT BE OPENED OR REPORTING TO MY REPORT. FCRA SECTION 605B AND 609B.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUFAX AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXX   XXXX Account Info Hover over labels for more details Account numberXXXX  Account statusOpen Date openedXXXX XXXX, XXXX Account typeCredit Card - Revolving Terms BalanceCredit Limit {$780.00} {$740.00} EQUIFAX XXXX Account Info Hover over labels for more details Account numberXXXX Account statusClosed Date openedXXXX XXXX, XXXX Account typeRevolving or Option BalanceCredit Limit {$12000.00} {$11000.00} XXXX XXXX XXXX Account Info Hover over labels for more details Account numberXXXX Account statusClosed Date openedXXXX XXXX, XXXX Account typeRevolving account BalanceCredit Limit {$12000.00} {$11000.00} INQURIES XXXX : XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - EQUIFAX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Bankruptcy on XX/XX/2018, my Bankruptcy was officially discharged. The Credit Bureaus have not updated my credit reports accurately, as follows : XXXX  is Reporting as follows : XXXX XXXX XXXX # XXXX Balance {$33000.00} - Discharged in my Bankruptcy XXXX XXXX is Reporting as follows : XXXX Bank NA # XXXX Balance {$430000.00} - Discharge in my Bankruptcy Equifax is Reporting as follows : XXXX XXXX  XXXX # XXXX Balance {$27000.00} - Discharge in my Bankruptcy XXXX XXXX XXXX  XXXX # XXXX Balance {$430000.00} - Discharge in my Bankruptcy XXXX  XXXX XXXX # XXXX Balance {$280.00} - Discharge in my Bankruptcy XXXX XXXX XXXX XXXX  # XXXX Balance {$280.00} - Discharge in my Bankruptcy I've contacted the Creditors and the Credit Bureaus multiple times to remove this incorrect/fraudulent information from my credit reports and the Credit Bureaus have been incompetent to update my credit reports accurately ...