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

I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the Credit Reporting act XXXX XXXX XXXX Account # 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.

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 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 would like to remind you of the XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX ] and XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX ( XXXX ]. These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collectors word. have faith that your establishment will do the right thing and truly investigate the matter and if you do not have proof the debt is valid then DELETE the information. 

Account Name : US Department Of Edu Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$3800.00} Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm being asked by experian the fair credit reporting act states 15 USC 1681 a section number 2 specifically states that under the exclusion that consumers transactions or experiences are not included in a consumers report me being the consumer have read the laws that govern the fair credit reporting act I want to know how and why when its not legal to put things on my report such as late payments when the fair credit act states its not supposed to be on my report it is unfair and illegal to report transactions or experiences when the law state that this is excluded from my consumer report this is for experian and XXXX who both clearly dont know the law and/ or the definitions the burden of proof is on the creditor but Im being told illegally to give them a police report to remove the things that shouldnt even be on my report this is for the open sky credit cards that as stated is not mines and I have never seen nor touched this card Im asking that they prove that is is me which is impossible and there asking me to prove its not me thats not my job XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX phone number XXXX XXXX XXXX in the fair credit act it say that these companies are not governed and have assumed responsibility and have not been appointed the authority to furnish these things on my consumer report please read consumer report definition this account should be deleted and removed completely from my credit report this is illegal please remove immediately from my consumer report XXXX XXXX XXXX reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I ask that the cfpb stand firm in the laws In which govern these agencies to whom is tarnishing my reputation and destroying my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 parts to this complaint. 1 ) After viewing my credit report and credit score through a service that allows me to see all 3 credit bureau information on my credit file I noticed that only Trans Union has old outdated information and does not update the account balances in a timely manner as the other 2 credit bureaus do. The information is outdated and adversely affects my credit score with Trans Union. Which leads me to 2 ) When I attempted to contact Trans Union about this I am directed to do so online. I attempted to contact Trans Union online on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After going through Trans Union 's process of identity verification on their website I am told that I can not submit a dispute online even though I am logged into my Trans Union account that shows all of my personal data. I am being denied access to submitting an online dispute and communication which is what I was requested to do in the first place. I attempted to call Trans Union by phone but I am never able to reach a person, everything is automated and I am never able to speak to someone about resolving my issue. Just the fact that there is no way to speak to a human being should be illegal. I want to be given access to my information on Trans Union 's website and I want to have the ability to submit a dispute online. I also want a phone number that will give me access to a human being that I can speak to about any issues I may have about this subject, and any other concerns that I may have about my credit report and score through Trans Union. I do not have this issue with either XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and my personal credit information is now available to black market hackers.
Product: Debt collection

around 3 years ago I applied for a student housing apartment and attached directly to the application was the apartment lease which I had no idea about and I thought was the application I have never been inside the apartment at all I have only drove past it. supposedly I had a move in date that I knew nothing about and I didn't move in and it was posted on my credit report on XX/XX/2019 same year for a whole year worth of rent which on the report is {$13000.00}. i really think that this isn't fair to me and i really want this to be off my record.
Product: Debt collection

XX/XX/year> I contacted XXXX XXXX and asked for information about this debt. They said my account was closed and ask me to call Jefferson capital systems. When I called Jefferson capital system they told me they couldnt provide me with any information and they have a number for me to call thats all. That number was XXXX. I made a call to these people asking nicely if they could send me any information regarding this debt. I ask if I could see the form when the car was sold and the form from when the car was first brought. He refused to give me any information he just repeatedly asked me if I was going to pay am I refusing to pay he cant provide me with anything pay my debt and hung up. Im not sure whats the company name only a number that I was provide XXXX XXXX XXXX didnt inform me either about this neither did they inform me they was selling my information to another collections
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing and sending all letters to all 3 bureaus on inaccurate and erroneous information listed on my credit. I have sent in identity theft affidavits and everything to prove and show that I WAS IN XXXX when these cards were opened. I want the XXXX  XXXX XXXX, XXXX  XXXX, XXXX/XXXX, XXXX XXXX ( WENT TO COURT AND THE COURT DISMISSED THESE DEBTS AGAINST ME HOW ARE YOU STILL REPORTING THEM ON MY CREDIT!! ), a bankruptcy as well that they have refused to show me any signed documentation on and I pointed out at least 5 inaccuracies on the listing of it, and XXXX DEPT ED ( a debt that was granted forgiveness prior to me going to XXXX  ) REMOVED FROM MY REPORTS. If this does not happen I will file ANOTHER lawsuit against all 3 bureaus WITH a lawyer this time. This is my final attempt to resolve this before I move forward with filing a class action lawsuit. I was told they have my affidavit by a tier 2 manager but their company policies allows them to not accept them. HOW CAN YOU JUST REFUSE TO ACCEPT A LEGAL IDENTITY THEFT AFFIDAVIT? They need to immediately remove this stuff from my credit report. XXXX XXXX, XXXX XXXX XXXX, the two XXXX  XXXX accounts, XXXX  account, XXXX/XXXX  and the bankruptcy need to be removed immediately for ID theft, false reporting, inaccurate reporting, and FCRA violations.
Product: Debt collection

Received a phone call from Holloway Credit Solutions on XX/XX/2020. Returned their call to inquire why they were contacting me. First representative requested personal information to identify me and then told me I would receive a letter in the mail, she would not provide me with any information about the account that was sent to them to collect. She then hung up on me. 
I attempted to call 2 more times and was hung up on those times as well. 
My third attempt, I did speak with a representative that advised me of company that sent my account to them for collection. This account is for a medical facility ( XXXX XXXX XXXX ) that I am paying consistent monthly payments to and should have never been sent to a collection agency. I informed the representative of this and he said I need to make a payment over the phone with him immediately. He stated that they were reporting this collection to the credit reporting agencies and it would affect my credit. He also stated that the company ( XXXX ) was a member of the XXXX XXXX XXXX ( they are not ). One of the representatives wanted to know who I was employed with and other information that was not relevant either. I did tell them not to contact my place of employment. 
This account should have never been sent to them by the health care provider. 
Business practices from XXXX are unacceptable, unfounded, unethical, misleading and they should not be allowed to harass consumers.
Product: Credit card or prepaid card

On XX/XX/2019, I attempted to use my card and it was declined. Knowing that my payroll check was recently deposited, I attempted to check my card balance and could not access American Express Serve website. I tried calling and couldn't reach anyone. I tried to access the mobile app and the app said it was down. I went online to investigate the problem and discovered that AMEX Serve is down without an " ETA '' of when the problem will be fixed. 

This is the second time in a year that this has happened. Also, an incident like this occurred last year as well. I can not access my money. I'm in urgent need of access to my money. My son is stranded in XXXX and I need to make arrangements to get him home for XXXX.
Product: Vehicle loan or lease

Wells Fargo Dealer Service has charged me an interest rate of 15.999 % on a used vehicle that was purchased in XX/XX/XXXX. When asked to refinance in XX/XX/XXXX, I was denied. I asked for the money to go towards the loan and not the interest rate, in attempt to make my {$290.00} payment of a XXXX XXXX XXXX base a little lower since I was also a XXXX XXXX XXXX XXXX, I was denied the option to put the money towards the base and not the interest. When I spoke to a representative about six months ago from Wells Fargo, I was told I would be able to pay it off with a settlement of about {$6000.00}. When I called back today, I was told that there was not settlement option and then that information was changed to a little of {$7000.00} for a settlement. The numbers provided to me during my phone conversation today were not accurate. When stated the previous conversation and the numbers were wrong, I was put on hold and nobody came back to the line. I will be calling again tomorrow but it is ridiculous how they have handled this situation, the ridiculously high interest rate, the fact they would not let me refinance after a year, and the confusion with numbers and data of my account is astonishing and crook like.
Product: Debt collection

on XX/XX/2022 EOS CCA opened up a collection. 
account number {$1500.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have no affiliation with these unknown addresses and I have reached out to the credit bureaus on numerous occasions about the discrepency but no response. I would like all addresses to be removed from my credit report immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am reaching out to you with an urgent matter that requires your immediate attention. I have recently discovered that my personal information has been compromised, and I believe that I am a victim of identity theft. 

Upon conducting further investigation, I have learned that my personal details were used to open an account at your company without my consent or authorization. As this account was created fraudulently using my identity, I am formally requesting that it be closed with immediate effect to prevent any further misuse of my information. 

I understand the seriousness of identity theft and the potential consequences it can have on one 's financial well-being and personal security. Therefore, I urge you to take swift action to close the unauthorized account and provide me with confirmation once this process has been completed. 

I have attached relevant documentation supporting my claim of identity theft for your reference. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the closure of the unauthorized account at your earliest convenience. 

Sincerely, XXXX XXXX
Product: Credit reporting

On XXXX XXXX, 2015 I went in line to request a free copy of my credit report. I had not done so for a couple of years. I went to Experian XXXX to request the report. XXXX agencies asked that I provide a credit card number and indicated they would charge me {$1.00} for the credit report. I provided the information and agreed to the {$1.00} charge since it was a small sum ( although they should provide the report free of charge ). The next day I was charged {$49.00} by Experian and received and email indicating that I had signed up for their credit monitoring service. On XXXX XXXX, 2015 I was charged {$17.00} by XXXX. I called XXXX agencies to inquire of the charges and they indicated I had signed up for the credit monitoring service. I DID NOT sign up for such service so I told them to cancel immediately and requested they reverse the charges. They refused to reverse the charges but I am disputing them with my credit card company. I believe these agencies engage in deceptive advertising and their web sites are also highly deceptive. Consumers should be warned not to go to their web sites and if they do, be very careful. This is a real " rip-off '' and I suspect there are many consumers who have experienced what I did when I was merely trying to obtain a free credit report which I am entitled to at least XXXX a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

account # XXXX from XXXX XXXXXXXX has inaccuracies thats violating of FCRA requirements... 
date last active : XXXX XX/XX/XXXX XXXX XX/XX/XXXX, equifax XX/XX/XXXX last payment : XXXX XX/XX/XXXX equifax XX/XX/XXXX Therefore all this errors and inaccuracies makes this report invalid ..must delete from my credit report...
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a collection account of  XXXX  reported by collection company by the name of receivables performance on behalf of  XXXX   XXXX  to all  XXXX  credit bureaus,  XXXX   &    XXXX   removed the collection account, because I did n't owe it and it was n't validated by the collection agency, for that reason. Experian refused to remove it after I sent a letter as I did with to the other  XXXX  credit bureaus explaining I did not owe it and they needed to validate it, Experian told me to go back to the collection company to have them remove it, after several calls to the college agency, it has not been removed. And call after call to Experian still refusing to remove it.
Product: Debt collection

I am filing a CPFB complaint because of the continuous report of an unknown account in my credit report. As I am reviewing my credit report I see this XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXI am not familiar with this account so I disputed this right away. I informed XXXX XXXX that I never own an account with XXXX. I was scared at that time thinking that someone might have my credit information and open this account. 

After I disputed this with XXXX XXXX, this account was removed from my credit report after a month, and no XXXX  account reporting in my file. However now on my XX/XX/2020 credit report, I see that this account now reporting in a different collection company and different account numbers. After a few months of not seeing this account, this XXXX account is now reporting as CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ) XXXX. 

It is illegal to report a Fraud account on my file. And what worried me most is this account can be deleted and be reported back to with a different name and account number at any time. I need XXXX  and CONVERGENT OUTSOURCING to take action and REMOVE THIS ACCOUNT COMPLETELY IN MY CREDIT REPORT.
Product: Debt collection

In accordancewitj fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666b a creditor may not treat a payment on a credit cardaccount under an open end consumer credit plan as a late for any purpose. 
Specifically, XXXX XXXX and XXXXXXXX XXXX. Unable to provide original documents and continue to record unaccurate information on credit report as recently as XX/XX/year>. 
I have sent out, Certified letters and mail, requesting documentation to XXXX, with negative results.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2022 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I made a purchase on XX/XX/XXXX at XXXX XXXX XXXX XXXX using my Comenity Capital Bank Credit Card # XXXX XXXX XXXX XXXX. I paid Comenity {$1400.00} on XX/XX/XXXX from my bill pay checking account, the money was removed from my account XX/XX/XXXX, I paid my first bill on the credit card in full. Comenity sends me XXXX Bill of {$1400.00} plus interest amounting to {$1500.00}. Calling Comenity Bank did not help at all, I started documenting & sending certified letters. I sent my checking account statement showing money was removed on XX/XX/XXXX for XXXX. Comenity said they did not receive the money and to get a trace number from bank and open a comenity. net website about my account to expedite this situation. I got the tracer from my bank on XXXXand uploaded info to my comenity account. I contacted Comenity Customer Service on XX/XX/XXXX, I certified mailed documentation to Comenity and uploaded same on my account. I then see on my checking account on XX/XX/XXXX comenity credited my account to the amount of {$1400.00}. 
Then Comenity bills me {$1500.00} on XX/XX/XXXX. Clearly this amount is my original plus interest. So now I pay my original debt of XXXX to Comenity on XX/XX/XXXX and received a Confirmation 3 A XXXX. In closing I paid them originally XX/XX/XXXX, they claimed they never received it and wanted proof from my bank the transaction went through, which it did. Then they deposit my original debt into my account on XX/XX/XXXX. 
Then I pay on XX/XX/XXXX. 
Countless certified letters were meaningless, uploading documents to their website to my account were worthless. 
My last disputed letter I sent with documentation sent XX/XX/XXXX was responded on XX/XX/XXXX and attached was a letter dated XX/XX/XXXX which I never received stating they were never paid from my checking account on XX/XX/XXXX but they confirmed they my payment of XXXX on XX/XX/XXXX. 
I can't make this stuff up. 
I need to be vindicated from all said monies I owe Comenity Bank. 
I need to be vindicated to have a total clear record to credit card reporting companies since my credit rating went down a lot.
Product: Credit reporting

There are XXXX incorrect addresses showing on my credit file. Please remove them XXXX XXXX The correct address should be : XXXX, XXXX, GA XXXX
Product: Checking or savings account

I received a solicitation from Chase Bank. Under the terms of the solicitation, I would receive 1 ) {$300.00} for opening a checking account, 2 ) {$200.00} for opening a savings account and depositing {$15000.00}, and 3 ) {$400.00} if I completed # 1 and # 2. I completed all terms of the solicitation but Chase only sent me {$300.00}. I called Chase three times and have been unable to resolve this complaint. In addition, I filed a complaint with the Office of the Comptroller of the Currency and they told me to file a complaint with your agency.
Product: Debt collection

I am a member of the XXXX XXXX Im currently XXXX  right now and received a notification that I had a collection account. I looked on my report to see that I had this same collection that I disputed a year or two ago and it popped back up. I have an XXXX XXXX alert and a fraud alert on my credit file. I have tried to resolve this before and now its back on my credit. I plan on taking legal action as soon as Im back in the United States. Im in the military and cant monitor my credit daily.