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

Hello, I have sent numerous letters to Experian asking them to validate a Chapter XXXX BK that is reporting on my credit report. Experian has responded back to my request on a few occasions indicating that the investigation has been completed and the company that reported the information has 'Certified ' to Experian that the information is accurate, therefore the outcome 'Remains ' and item was not changed as a result. In the Public Records section of the credit reporting, the following statement displays the following for the Chapter XXXX BK that is being reporting " This section includes public record items from courts that Experian MAY HAVE obtained through a third party vendor XXXX XXXX XXXX XXXX XXXX. 

I sent numerous responses to Experian asking them the verification method that was used to validate the Chapter XXXX BK and that they send me that 'Certified ' letter from the company that claimed the information to be accurate ; which would include all contact information from them. 

They keep on responding back in their letters indicating the Chapter XXXX BK has been verified by the company that reported the information has certified to Experian that the information is accurate. The same responses are sent back to me as a generic answer to my request about validating the Chapter XXXX BK that is reporting under my credit report.. They never indicate the method of verification that was conducted with whom they identify as 'The Company '  who certified the accuracy of the Chapter XXXX BK. Who was the company, contact name and phone number? I could not even get an answer after a entire year of requesting this information. 

Experian has failed to legally validate the Chapter XXXX BK reporting on my credit report. They have no mention as to who validated the information to be accurate. 

Under the Public Records section of my report, they indicate that Public Record items from courts that Experian may have obtained through a 3rd party known as XXXX XXXX. My Consumer Report with XXXX is frozen and has been for quite some time for identity purpose, so Experian could not have validated this information with them. I have also contacted the 'USBK Court XXXX Florida ' asking how such information is validated with XXXX XXXX   and credit reporting agencies. The USBK Courthouse responded to my request in writing indicating they DO NOT validate such information with 3rd parties such as XXXX XXXX and have no jurisdiction over reporting agencies. 

Please find attached documents to back up my complaint + copy of my frozen consumer report with XXXX and a letter from the USBK XXXX Florida Courthouse indicating they do not verify public records with 3rd parties. Thank you!
Product: Checking or savings account

Someone stole my ATM card and PIN number. Now, because the thief used my card in the vicinity of where I live and possibly at a merchant I 've visited in the past, they say I 'm responsible. I have no control over what a thief does with my stolen card. 
U.S. Bank did n't even research my claim. They just brushed it off and denied my claim!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 XXXX  equifax and XXXX deleted XXXX XXXX account XXXX, on XX/XX/XXXX it was re inserted back into my credit report. at no point in time did XXXX XXXX  or equifax notify me within 5  days of the reinserting. under 15, u.s code 1681i - procedure in case of disputed accuracy i was not notified, nor any written statement was sent to me at all. i would like the acccount to be permantly removed. you are in violation.
Product: Debt collection

They are scammers who took money without informing me and not responding to my messages & call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$7400.00} XXXX XXXX {$3400.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit card or prepaid card

CITI closed my new BrandSource credit card without prior warning. The account was in good standing, never a late payment and fairly new. They said they closed it due to too many credit inquiries, which I do n't see how that is any of their business. This bank has the right to close account of course, but how they are doing it is unfair to consumers. They should provide a few days notice at least so you are n't caught off guard with a rejected card in public.They should not be allowed to do business this way. I performed a search online to see if this has been happening to others and found several complaints going back many years. If there is anything you can do to make them change this practice, it would help consumers. We deserve a little advance notice. It 's so unfair.
Product: Debt collection

Wells Fargo cleaned my savings account. That's where I deposit my unemployment checks. I dont know why and I had no notice about it. Only a text stating my balance was XXXX.
Product: Checking or savings account

XXXX XXXX still reporting to Early Warning that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts, but is also affecting me in trying to open accounts at local banks and has caused my existing bank to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an checking account is because of what's being reported to Early Warning. This is literally the example of holding my banking privileges XXXX and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I wrote a letter stating my name is incorrect.. The letter read " I am writing to request a correction on my credit report. It has come to my attention that my name is incorrectly listed as XXXX XXXX XXXX on my report. My correct legal name is XXXX XXXX, and I would like my credit report to reflect this accurately. "
Product: Credit reporting or other personal consumer reports

I have been trying for over XXXX year to advise XXXX that this account was fraudulent, opened with stolen information,. XXXX keeps advising that the account is verified based on wrong, and stolen information. They verified an address I have never lived at, and an account I never had nor received any financial information on, like monthly statements or tax information, and I established communication with XXXX to advise of this fraudulent account, because they have no information on me, because I didnt open, or have any expressed knowledge or consent about this account. Now XXXX expects me to pay, on their mistake Thank you XXXX XXXX XXXX account XXXX
Product: Debt collection

I was recently made aware of an account that was opened in my name ; however, I have no knowledge of this account or its activity. I believe I am a victim of identity theft, as I did not authorize or initiate the creation of this account. I request that this matter be investigated promptly, and any fraudulent activity be addressed accordingly. This needs to be resolved and removed from my credit report immediately.
Product: Vehicle loan or lease

GM Financial has and continues to report delinquencies with my auto loan which has adversely impacted my Credit Report
Product: Mortgage

I have not been able to get any answers from Bank of America regarding a loan modification for my home. My last trial payment was XX/XX/2020. Bank of America are liars because the supervisors and managers. I can't get an update and its hard as XXXX to get a live voice. It take 3-4 hours being on the phone just to get a live voice and no supervisors nor managers will keep their word by returning phone calls.
Product: Payday loan, title loan, or personal loan

I contacted Prosper to inform them of their violations against me as a consumer and was told they had the right to deny me for a line of credit.

Prosper is in violation of U.S. Code $ 1681m - requirements on users consumer reports ( a ) DUTIES OF USERS TAKING ADVERSE ACTIONS ON BASIS OF INFORMATION CONTAINED IN CONSUMER REPORTS If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( A ) Duties, generally ( ii ) does not include- ( I ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a consumer report. 

Late payments are considered transactions which is a violation. 

There was also unauthorized use of my credit card by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine and need to be deleted from my consumer report. 

The following accounts are against law 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions These accounts are in violation of this law and needs to be deleted from consumer report. 

XXXX XXXX inquiry XXXX XXXX XXXX  XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX ACCOUNT # XXXX XXXX OPENED XX/XX/XXXX is not mine.please delete from consumer report
Product: Credit reporting or other personal consumer reports

XXXX XXXX FRAUDULENT COLLECTION REQUEST REMOVAL This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXX XXXX  XXXX XXXX .

2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the XXXX XXXX  XXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

7. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX, and in most cases can not be valued as true ownership under XXXX. 
8. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. Experian, XXXX and XXXX XXXX respectively. 

ORIGINAL CREDITOR XXXX {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with my information on my file. I have several address that I never lived at on my credit report. My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX I have a unverified account the I never done business with XXXX  XXXX # XXXX or XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XXXX XXXX I deposited in my checking account number XXXX at XXXX  XXXX XXXX that is opened under the name of XXXXXXXX XXXX XXXX XXXX the check with number XXXX for the amount of XXXX dollars dated XX/XX/XXXX from XXXX XXXX. The bank who issued the check was Wells Fargo.The check was deposited ONE TIME and the funds for the check posted ONE TIME to my account. On XX/XX/XXXX the amount of XXXX dollars was pulled from my account by Wells Fargo stating that the check was double deposited which is false statement. During last conversation with a XXXX  XXXX XXXX representative they agreed that the check was deposited once and the bank who issued the check, Wells Fargo did not cover the check. Since somebody inside the bank made a mistake they want t cover it and declared the account at Wells Fargo having insufficient funds so the banks can cover their mistake .That is a wrong affirmation and the person who wrote the check DID have sufficient money in the account. Instead of fixing the issue XXXX  XXXX XXXX sent me to Wells Fargo to ask them directly for money. Both banks made an error and one of them kept my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute for two accounts in collection on my XXXX credit report through the company XXXX partner 's with Credit Karma. 

According to Credit Karma 's website and XXXX, they are in partnership with each other. The dispute function is trademarked as Direct Dispute by Credit Karma in partnership with XXXX, this verbiage is clearly indicated on the Customer dashboard page. After submitting my dispute, Credit Karma indicated that the dispute was being transmitted to XXXX. I heard nothing more and continued to check my dispute status for many months via the provided Customer Dashboard as Credit Karma has no direct number to dial for assistance. My dispute status never updated. So, ultimately I contacted XXXX  on XX/XX/XXXX and they stated they never received the dispute via the Credit Karma conduit and that I would need to resubmit a dispute. I also contacted Credit Karma and they stated that they were " experiencing a communications error that prevented them from processing XXXX disputes. '' and that their team is working on fixing the issue. Mind you, in the over a year and a half, Credit Karma never once notified me of this matter or that they were working on the problem until after I bought it to their attention on XX/XX/XXXX, XXXX Credit Karma also offered the same resolution that XXXX advised, and that was for me to resubmit the disputes. 

In either case, I lost my documentation in support of my dispute and I am unable to obtain additional records due to the fact that the company that maintained the records has since gone bankrupt and been liquidated over two years ago. I am stuck and neither Credit Karma or XXXX is taking any type of responsibility on this matter. They are pressing resolution on to me. 

I am certain I am not the only one affected by this. Please investigate both of these company 's resolution and communication processes as they are not providing the service they are touting and, they are not taking responsibility for their erroneous and untimely processes and response times. My credit has been adversely affected during this duration and I am attempting to get the matter resolved. 

Thank you
Product: Credit reporting or other personal consumer reports

I took a look at my credit report and noticed some inaccuracies. It is hurting my ability to obtain credit. It is my understanding that you will investigate the account to ensure maximum accuracy. 

Account : XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, 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 & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XX/XX/2022 XXXX CARD XX/XX/202XXXX XXXX XXXXXX/XX/2022 XXXX CARD XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2022 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

{$500.00} was sent through Western Union to XXXX. The email containing the tracking number was hacked. A XXXX agent released the funds to a person who was not the designated recipient. When I contacted Western Union, they claimed their records showed the funds were released to the correct person. There would be no refund. I was to get the funds back from the person who collected them. I have no idea who that was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts and personal info reporting on my credit report. It do not belong on there. I have documents of SSN, DL, Fraud Report. Please remove negative accounts and personal information on the fraud report! 


In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

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

In accordance with the Fair Credit Reporting Act, CREDIT BUREAU SERVICES has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This collection account is also being reported as open and past due which is a violation of FCRA and XXXX XXXX XXXX. I have disputed this several times in attempt to correct the inaccurate information that is being report, however CREDIT BUREAU SERVICES has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Product: Checking or savings account

THE WRONG INFO WAS IN CHECK SYSTEMS AND I DONT KNOW WHY IM IN CHECK SYSTEMS I NEVER OWED A BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX, I mailed a letter to XXXX, Experian, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I upload my passport and a current bill to show proof of residents and no action was changed on my credit personal profile on credit report. I called experian, XXXX, and XXXX on XX/XX/2023 to correct my personal profile and to please mail in proof of the change and it was not corrected. I am reaching out to you to help me to remove all inaccurate information off of my credit report, and update correct information.
Product: Mortgage

I am a home owner, and rented part of my house to a tenant from XX/XX/XXXX to XX/XX/XXXX. 
my tenant unable to pay the rent from XX/XX/XXXX to XX/XX/XXXX and because of federal government mandate I didn't evict my tenant. we both file for rent subsidy with broward emergency rental assistance. The tenant left after the lease expired and on XX/XX/XXXX I call the emergency rental assistance and they said my tenant didn't submit requested documents. I try to reach my tenant and unable to reach him. i apply to XXXX. and they said unable to help me.. they ask me to contact a councilor office, and i submit the form, unfortunately no response from them as well. 

I just follow the federal government mandate, and now I am in financial trouble. 
I would appreciate if your office could guide me whom I should reach out to submit my claim.
Product: Credit reporting or other personal consumer reports

Was summoned to XXXX XXXX on XX/XX/2022 XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX The company claimed that I owed an outstanding balance on an account that i had no knowledge of. Judge requested proof of that the account belonged to me and XXXX XXXX XXXX XXXX was unable/ unwilling to provide any proof. Judged ruled in my favor and case was dismissed.