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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, 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 a account without my written instructions.

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma Inc. / CreditKarma.com Complaint I reside at an RV park in Texas. The General Manager of this park contacted me and informed me that he had received information from CreditKarma.com, doing business as Credit Karma Inc., that I had registered a vehicle to the park address which is against their policy. I have not registered a vehicle to the park address. I informed the GM of this. I contacted Credit Karma Inc. via XXXX  which is the only way to contact this company, as they have no phone number or mailing address publicly listed, and requested that they disclose any information in their database related to my identity. I understand that the Fair Credit Reporting Act provides me the right to have access to my personal information in a companies database if that information is to be used for the purpose of credit reporting or screening my identity. Credit Karma Inc. refused to disclose my information and attempted to elicit further information from me by claiming that they required names and email addresses that I have used in the past in order to verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX XXXX XXXX ) continues to report two obsolete credit card accounts. The XXXX XXXX XXXX ( XXXX XXXX ) credit card is account number XXXX and XXXX XXXX XXXX Credit Card ( XXXX ) XXXX. <P/>Both of these XXXX XXXX XXXX accounts should have been removed in XX/XX/XXXX and XX/XX/XXXX. I am attaching a credit report from both Experian ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) Both reports show the removal date for both of these credit card accounts as XXXX. <P/>The removal dates derives from information the creditor furnished to the credit bureaus as being the first date of major default. <P/>Both charged off accounts have been have been sold to numerous collection agencies in the past 4-5 years. It appears the accounts are listed again with XXXX XXXX XXXX with brand new dates for expiring - from XX/XX/XXXX to XX/XX/XXXX. <P/>I recently disputed both tradelines with XXXX. The creditor verified the accounts and stated the date of default is in XX/XX/XXXX. XXXX XXXX XXXX has furnished the date of default as occurring in XX/XX/XXXX to Experian - causing a removal date in XX/XX/XXXX!! <P/>I am asking that both of these tradelines be deleted from my credit report.
Product: Credit card

The credit card issuer - Discover Card - fails/refuses to remove charges from my account claiming that the merchant XXXX has not received the returned items. I provided all the required and supporting information including tracking and delivery receipts from XXXX.
Product: Credit reporting or other personal consumer reports

I have previously disputed these inquiry and EQUIFAX stated that the inquiries are a FACTUAL RECORD OF FILE ACCESS which they have not sent proof of any documentation of EQUIFAX OR these company having permissible purpose to access my credit report. 
INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Disputed account in XX/XX/XXXX, asked for verification of debt as well. I have not received any verification of the debt by company. Dispute was updated as information was correct. I am a victim of identity fraud and have had my credit locked since XXXX. I disputed the debt again on XX/XX/XXXX, once again advising i know nothing about this account nor do i know who the company saying i owe the debt too is. Updated on XX/XX/XXXX as debt is correct. Still havent received verification of the debt. Also requested a cease and desist from company and they are calling me 3 times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting accounts that was open up fraudently in my name and refusing to remove them. Three XXXX XXXX accounts opened XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. One XXXX XXXX  open XX/XX/XXXX, One XXXX XXXX open XX/XX/XXXX. 

They are also reporting address from XXXX XXXX, IL that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3. XXXX XXXX XXXX   XXXX XXXX FL XXXX 4. XXXX XXXX XXXX CT XXXX XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXXXXXX XXXX   XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX
Product: Bank account or service

I have been a Wells Fargo customer since XX/XX/XXXX. On XX/XX/XXXX, I had misplaced my wallet and was in need of cash. I went to Wells Fargo bank @ XXXX., XXXX, CA,XXXX to withdrawal {$40.00} out of my account and before I got into line I spoke to one of the customer service reps standing in front of the line and explained my situation. The rep proceeded to tell me without my ID they would not allow me access to my acct. I explained that I misplaced my wallet and did not have my ID and the rep again told me there was nothing they could do. 

As an individual who has worked in the financial services industry for over 20 years I am fully aware of how to verify a customer 's identity without an ID. I then called the XXXX customer service number and informed them of my situation the rep stated without an ID, I could not access my funds and then told me to " borrow money from someone ''. I demanded to speak to a manager and was transferred to a " XXXX '' who refused to help me and transferred me to another dept. and after being placed on hold for over 30 min, I spoke to some individual by the name of " XXXX ''. This person refused to help me and would NOT escalate my complaint or issue any further. When I told XXXX that there are a number of ways to verify my identity, such as : signature card, last four of SSN, security questions, transaction history, mother 's maiden name, DOB, address ... .etc., XXXX refused to admit that those were valid forms of ID. When I asked her " if that was the case, what 's the point of having a Sig. Card, security questions, or tokens?? '' she refused to answer and then hung up on me. 

I HAVE BEEN DENIED ACCESS TO MY FUNDS AND WELLS FARGO REFUSES TO HELP ME. 

Also, when I go to branches to make withdrawals, I AM NEVER ASKED FOR ID other than my PIN.
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 under 15 USC 1681. XXXX # XXXX, has violated my rights. I looked at my credit report on XX/XX/24 and noticed some things are incomplete and not accurate. According to the fair act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( a ) ( b ) And according to 15 USC 1681i 5 they suppose to do this ( 5 ) treatment of inaccurate or unverifiable in formation ( A ) in generalf, after any reinvestigation under paragraph ( 1 ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transactions in my dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

A place in XXXX Illinois called courtesy loans close their doors one day on a Friday. They were bought out by world finance. Courtesy loans never sent their customers any kind of paperwork who bought the company they didn't send me or anybody else anything and we had no idea who to pay the loans off to couldn't get a hold of anybody cuz the place closed their doors courtesy loans did and all the sudden it pops up on my credit report well I've told XXXX XXXX and Equifax about it I have sent disputes I have done all that and nothing changes but it still has drug my credit score down and I didn't even know who to pay or anything until it was already too late They already had they were already on my credit report
Product: Debt collection

XXXX XXXX XXXX XXXX sent me a letter on

XX/XX/2018 that states they will continue to damage my credit score and they may have the ability to sue me for the debt from XXXX XXXX if I attempt to pay or resolve the debt in various forms. The alleged debt total is for {$1700.00}.
Product: Credit card or prepaid card

XX/XX/XXXX | XXXX, MS | XXXX XX/XX/XXXX | XXXX XXXX XXXX, NJ | XXXX XX/XX/XXXX XXXX XXXX XXXX, NJ | XXXX I recently just checked my Chase Unlimited Freedom statements to make sure everything was correct but I remember filing a dispute for these payments back in XX/XX/XXXX online.

After I sent the dispute request, I never got a confirmation message or call from a representative so I thought these payments were successfully disputed. However, it never was removed from my account.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 submitted disputes through XXXX  and equifax. The loan shows as closed on my XXXX  report and it was paid off in XXXX of 2021. On my Equifax report the loan is still open with an unpaid balance. Both are incorrect.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed you a letter disputing Bankruptcy information contained in consumer reports compiled, maintained, and published by you, allegedly concerning the following As per U.S.P.S. records, you received my dispute letter on XX/XX/2022 ( Equifax ), XX/XX/2022 ( XXXX ), and XX/XX/2022 ( XXXX ). Accordingly, as per the FCRA, you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the 30-day period on the date on which you received my dispute letter. Here, you received my dispute letter on XX/XX/2022 ( Equifax ), XX/XX/2022 ( XXXX ), and XX/XX/2022 ( XXXX ) ; therefore your response was due on or by XXXXnote 30 days+. Instead of sending me a response letter with the results of your investigation of the disputed information, you mailed me a letter dated XX/XX/2022 ( XXXX ), XX/XX/2022 ( XXXX ), XX/XX/2022 ( Equifax ) claiming you verified the information as accurate. 

Clearly, you have willfully failed to delete the disputed information as I have requested. Instead of deleting the disputed information you willfully failed to conduct a reasonable investigation of my dispute because you verified the information as accurate. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, that you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the information contained in my consumer file as per the FCRA. Your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 

As a result of your conduct as described above, you shall promptly delete the disputed information. Be advised, that this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such an investigation has expired and shall not be extended by law. Within 10 days delete the disputed information as requested. XXXX XXXX has removed this item from my report due to unverifiable and I demand it be removed from my credit file permanently. 

Remove any bankruptcy from my credit report immediately and any accounts that are associated or listed as including : Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # : XXXX Account Name : Bankruptcy Account # XXXX Account Name : Bankruptcy Account # XXXX
Product: Debt or credit management

I have several numbers for Experian. I used to be able to get through to speak with an Agent. I can not anymore. 

XXXX is one commonly listed. I am no longer able to navigate through menu to speak to an agent. 
XXXX is another one. 
XXXX used to be listed on website as a number to call. When I tried today the company that answered was XXXX XXXX XXXX. In the recent past I had a conversation at this very number with an Agent from Experian Special Services named XXXX where a number of important disputes were filed. 

I cant get through no matter what, and I need to speak to someone.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX - XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, "
Product: Debt collection

On XX/XX/XXXX I received a call from XXXX which is AES ( student loans ). The rep was looking for my spouse and I advised he was not available and that i was his spouse and asked to have my number put on the Do Not Call list. The rep became very irate and mad and said no. I then advised that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I know that she is required to put me on the XXXX list when asked. She continued to harass me and speak over me which made me very frustrated and upset and I cried. She said stated that she was asking me simple questions and I was not understanding her and she was still raising her voice and sounding mad and annoyed. I then asked to speak to her manager/lead/senior and she refused. I asked if she was refusing to put my number on the XXXX list and she hung up on me. I am so frustrated and distraught at how I was treated. I know a large company like AES must have a way to put my number on the XXXX list and not be treated horribly. I then collected myself after being yelled at and crying and called the same number back and spent XXXX mins on the phone with another rep and explained my situation and she took notes and notated my husbands account but also advised that she was unable to put my phone number on a XXXX list because she did not have an account to do so with ( i was and am still confused by this ) and that my husband would need to call back. I am not obligated to his student loan in any way shape or form and he obtained the debt prior to us getting married so i do not know why they are calling me unless they are skip tracing. There is no way that my number could not be added to a XXXX list. I then also asked if I could submit a formal complaint and she said no, because her system does not allow her to do so. We left it as her notating the account, even though she said that she was not able to locate an account, and that she was not able to put my number on the XXXX list or file a formal complaint and that my husband would need to call back by XXXX XXXX  to talk further and take my number off his account. 

XX/XX/XXXX at XXXX XXXX AES XXXX again after speaking with them on XX/XX/XXXX. Asked for a manager and XXXX put me on a hold to get to a manager. I asked if they had read the notes and that this number should be on the Do Not Call list. She said she would put the number on the list today and submit a complaint after the call ended. I want restitution for being harassed by AES and them not following directions. This is absolutely unacceptable!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. I am demanding a deletion of the following account. Here is the account that I am asking you to verify : XXXX XXXX  Acct XXXX : XXXX