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

I trying to start my new company business and I recently found out that I have several fraudulent addresses and unknown addresses on my file. Please remove delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are unknown and do not belong to me please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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: Debt collection

XX/XX/XXXX- Discovered on my credit report that the debt collector, Genesis Credit Management , LLC had reported a {$1600.00} debt to all three credit bureaus. 

Prior to that, I have not spoken to, nor received any mail or communication about this debt from Genesis Credit Management LLC. I was completely unaware that the debt would be turned over to the credit bureaus. I was not given a chance to verify, nor dispute OR been notified that I could dispute the debt. I was completely blind-sided until I saw my credit score. I was also not aware that this debt would be turned over to collections ( Genesis Credit Management ). There was no contact throughout the entire process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried over and over submitting and sending these documents for this dispute please help sending this over as its been very frustrating. I will be getting my attorney involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I sent a dispute letter to Equifax on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they is held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 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. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

The credit bureaus has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of dispoted information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notified consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as all credit bureaus inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my email and I got an alert from XXXX saying that I had another hard inquiry. I have not applied for any type of loan recently. I went on their website and it led me here.
Product: Debt collection

Both Jefferson Capital and XXXX have been calling me on my cell phone continuously since XX/XX/XXXX about a medical debt that I incurred XX/XX/XXXX 0r XX/XX/XXXX. I have an old bill from XX/XX/XXXX. I was in financial distress because of the recession and things have happened since to make it worse. I believe that the statute of limitations has expired to collect this debt. The debt was charged off on my credit report. What should I do to stop them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped from XXXX to XXXX with no changes in balances. It is definitely a issue that seems to always revolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account over XXXX years old that is still showing as a charge off it said it would be removed XX/XX/XXXX and when I called they said it would be removed and its still showing. No one seems to care and I need it gone.
Product: Mortgage

On XX/XX/XXXX a bona fide contract in the amount of {$500000.00}, HUD letter, buyers mortgage approval letter and the property inspection report was filed with XXXX XXXX XXXX the loan servicer The servicer failed to respond to repeated calls and emails for 10 days. On XX/XX/XXXX the servicer sent a letter denying the short sale. The current loan balance is {$490000.00} as of XX/XX/XXXX. The servicer forwarded an email to their legal counsel on XX/XX/XXXX instructing them not to adjourn the sheriff sale scheduled for XX/XX/XXXX. The sale closing is scheduled for XX/XX/XXXX. The servicer stated that the pending sale.is rejected as of XX/XX/XXXX. The reason for the rejection stated by the servicer was that the sale was required to be 37 days from the date of the sheriff sale. I contend that the servicer rejected the sale because they wished to inflate their fees and costs and legal fees. Further the price obtained at sheriff sale will no doubt be less than the private sale thus increasing the amount of the defiency and thereby increasing the potential for a greater deficiency judgement against the borrower. I have emailed the servicer and demanded a copy of all communications written or recorded to and from the borrower, proof of their authorization to act as agent, as well as copies of internal communications to legal counsel, the complete file, the basis in law that provides the 37 day period and a request for an adjourment of the sheriff sale as to facilitate the sale of the property. I am filing this complaint in good faith and as truthful testimony. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , I suffered a total loss o f Vehicle  while account was delinquent. My insurer,  XXXX   XXXX , paid the the total outstanding balance on said vehicle after declaring it total loss. The insurer sent secured payoff to bank on  XXXX   XXXX ,  XXXX .   XXXX  Item was disputed to  XXXX  on  XXXX ,  XXXX  and many times before that. On  XXXX   XXXX ,  XXXX , Bank of America AGAIN reported to  XXXX  that debt was still in collection, with {$4500.00} outstanding and {$320.00} past due.   XXXX  A previous compl aint ( Complaint Number   XXXX  ) was filed against   XXXX    on  XXXX ,  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SANTANDER CONSUMER USA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Bankruptcy Court : XXXX XXXX CT AL XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2016 -Today I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with the phone number ( XXXX ). They informed me that they do not supply information the third parties. How did you verify this public information?
Product: Checking or savings account

I would like to place a formal compliant against Navy Federal Credit Union due to misleading and deceptive practice and Fraud. I opened Navy Federal Account with my Son, whom received college funding from my husband Post 911 GI Bill through the VA, those checks began to come on or about XX/XX/XXXX but were deposited into Navy Federal Credit Union Account around XXXX of XXXX. I received a letter dated XX/XX/XXXX from Navy Federal Credit Union stating said checks in the amount of {$620.00} " was returned unpaid by the paying financial institution for the following reason Not Authorized '' I received a second letter dated XX/XX/XXXX stating check in the amount of {$1400.00} was returned unpaid by the financial institution for the following reason Not Authorized ''. I then received a third letter dated XX/XX/XXXX stating the same " was returned unpaid by the financial institution for the following reason Not Authorized '' in the amount of {$1400.00}. I attempted to log in my online account to view the account details but I could not as I was locked out of the account, I called spoke with " XXXX '' in the Navy Federal security department on XXXX, XXXX, she confirmed the account was in fact locked and demanded payment, she also stated the account would not be re-opened unless I made a payment. That very same day XX/XX/XXXX My Husband and I then called Veterans Affair to verify the if the checks were cashed and was told they were cashed and cleared. We then went to the Navy Federal branch in XXXX XXXX, KS requested to speak with the branch manager which was denied, by agent " XXXX '' as she stated she could assist in the matter, after expression to her our concerns, which were the account fees, check deposit, we questioned the date posted and return dates, asked for an explanation of why they took money out of my other Navy Federal savings account and as well as requesting documentation including the full account ledger accounts receivable and payable. Agent XXXX only referred to the bank account statements and refuse to perform or provided any further information. To date I received a letter from Navy Federal Credit Union Collection Department stating my account has been charged off and closed, the charge off amount {$930.00} and is considered a loss to Navy Federal Credit Union along with a Deposit voucher and return envelope. I also received a bank statement from period XX/XX/XXXX to XX/XX/XXXX showing a ending balance of " {$930.00} - '' and the most current XX/XX/XXXX to XX/XX/XXXX with a ending balance {$0.00} this is also questionable because they stated the account was charged off a closed.I would like to know if Navy Federal Credit Union filed a 1099C on these funds? Due to this unforeseen matter with Navy Federal Credit Union my family and I has suffered financial hardship, I have a Dr. diagnosis, of XXXX, stress, XXXX, XXXX XXXX XXXX XXXX, XXXX and loss of work contracts. I was XXXX XXXX XXXX and referred to a professional therapist. This has also created an financial challenges with my sons college tuition.
Product: Credit reporting or other personal consumer reports

I have been trying to fix my credit, I have sent out multiple letters to Experian. But they are not complying with 15 USC 1681e ( b ) 15 USC 1681s-2, 15 USC 1681i ( 5 ) 15 USC 1681c ( c ), I have specifically sent letters to Experian Breaking down the errors as well as indicating that these errors are not compliant to the federal laws to be reporting on my credit report. And like always it gets looked over, and not properly investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE. 

CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance details 12 % paid off Balance {$21000.00} Balance updated XX/XX/XXXX Original balance {$24000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX - XXXX XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status At least 120 days or more than XXXX payments past due Status updated XX/XX/XXXX Past due amount {$8400.00} Original balance {$24000.00} Monthly payment {$650.00} Additional info Responsibility Joint Account Terms 66 Months Company sold - Original creditor - Comments CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone number ( XXXX ) XXXX
Product: Debt collection

I made a complaint against Capital Accounts on XX/XX/2021. My complaint number is XXXX, which they received the same day. In a blatant act of retaliation to my complaint and my dispute they manipulated my credit score by first adding an increase of XXXX  dollars on the debt owed and then on XX/XX/2021 decreasing the debt amount by XXXX  dollars in an attempt to make it look like I have accepted the debt and began paying on it, which resulted in my credit score dropping immediately. As I said in my original complaint they are clearly in violation of The Fair Debt Reporting Act. As stated in previous complaint I have sent them a validation letter, it has been thirty days and I still haven't received validation. I am becoming emotionally distressed with the tactics that this company is using against me, while trying to collect a fraudulent debt that is impossible for me to owe thus the reason why they can't not validate it. My next step is to let my lawyer handle this matter because it's just becoming too much for me and is mentally draining.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have tried to freeze my accounty with Experian, but their web page is still not working, get error message stating to mail them request Here is copy of message : We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. 
Sending us your information To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. 
Send copies of any documents you wish to provide to us and always retain your original documents. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or permanently. 
Experian Security Freeze XXXX XXXX XXXX XXXX, TX XXXX Your identification information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security number : Date of birth : XX/XX/XXXX I requested to temporary lift the freeze, but to put it back on by XX/XX/XXXX yet I am unabel to do this online, I entered the pin they assigned me but still has this message, I have a right to freeze my account online, & I did mail them about 2 years ago the request via certified mail & have complaint before, they still do not honor my request to put freeze back on. 

I tried calling all the number they have yet only get a busy signal or machine only unable to get thru to a human
Product: Credit reporting, credit repair services, or other personal consumer reports

defamation of character. 
ftc violation XXXX took of a loan and put it back on the XXXX lease also equifax has done nothing to try to help
Product: Checking or savings account

On XX/XX/2023, I made a purchase of XXXX from a clothing brand, the website said to give around a business month to allow shipping, which I did, I asked for updates on XXXX but I gave them the month before I attempted to take action, on XX/XX/XXXX, I contacted them asking for an update, they said there had been a manufacturing error, to which I accepted, on XX/XX/XXXX, i left a comment on their page to which they replied saying to allow another month, by this point, I had seen multiple other comments of people who had ordered before me and had also still not received their clothes, so I was a bit skeptical and considering disputing the charge as I thought I was not going to receive my clothes. On XX/XX/XXXX, I DMed the brand again, to which there was no response, I DMed them again on the XXXX, to no response, and again on the XXXX, which is finally the date I had decided to dispute the charge. I had again dmed them the next day, to which i finally received a response, telling me theyd ship my clothes within a week, I was planning on cancelling the dispute if they had shipped the clothes, but they never did. Chime ended up giving me temporary credit at some point. I provided chime with every screenshot Im providing here, and chime still denied the dispute citing that no error was made. I again contacted them once chime had denied my dispute, and was told that since I filed a chargeback they had canceled my order, I was also told by them through email that if I could reauthorize my payment They would send my clothes out to me, I was unable to do anything since I had lost the dispute and chime had taken back the temporary credit, and so I attempted to contact them through email for the past 3 days now, to no avail, complete silence from the brand.
Product: Credit reporting or other personal consumer reports

Attention : TRANSUNION I would like all of my unauthorized inquiries, my derogatory remarks, collections, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : Child Support Account Name : XXXX/DOFED Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : Secured Loan Account Name : DEPTEDXXXX  Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : DEPTEDXXXX Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : DEPTEDXXXX Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : DEPTEDXXXX  Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : DEPTEDXXXX Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : DEPTEDXXXX Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : DEPTEDXXXX Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : DEPTEDXXXX  Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : DEPTEDXXXX Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : Utility Company Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : Charge Account Account Name : US DEPT ED Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : US DEPT ED Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : US DEPT ED Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : US DEPT ED Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : US DEPT ED Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : US DEPT ED Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : US DEPT ED Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : US DEPT ED Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : US DEPT ED Date Filed : XX/XX/XXXX Type of Account : Educational