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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Monarch recovery services has repeatedly contacted my employer and even informed person that answered what they were calling for and who they were - that information is not supposed to be shared with people I work with.
Product: Credit reporting or other personal consumer reports

This is my third attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get the XXXX account removed off my credit report as it's reporting different entries across all three credit bureaus. The bureaus aren't doing a proper investigation and are refusing to pay for the violations that have occurred despite the fact they are allowing it to happen. The credit bureaus are supposed to delete the inaccurate information but instead the are using the E-Oscar system. I'm asking for {$1000.00} per month for these violations per the FCRA which have been ongoing despite the proof that I've submitted. I have the right to sue XXXX as well as Equifax, XXXX, and XXXX for willful violations and seek attorney fees. I have asked for statements and a contract and I've yet to be supplied anything. If they can't provide a contract this account needs to be deleted.
Product: Credit reporting

I filed a dispute with Equifax and asked that a trade line account for XXXX XXXX XXXX be removed from my credit report that is was inaccurate, last payment on the account was made in 2000, the account was closed and no longer being reported to the credit bureaus by XXXX XXXX XXXX. To date Equifax is refusing to remove this trade line from my credit profile with full knowledge the account in question is in good standing PAID, NEVER LATE and the last payment on the account was more than 16 years ago. Equifax is refusing to disclose how this account is affecting my credit score.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX, Account Name : XXXX XXXX, Account Name : XXXX Account Name : XXXX XXXX XXXXXXXX, Account Name : 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C. ( A ) ( 5 ) Section States : No consumer reporting agencia may make any consumer report containing any of the following item of information : any other adverse tems of information, other han records of convictions and crimes which antedates the report by 7 years.

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXXXXXX XXXX XXXX XXXX XXXX  FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$240.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card

Issue : Fraud or Unauthorized Charges Details of the Problem : I am filing this complaint regarding an unauthorized charge and mishandling of my dispute by Citibank. Below are the details : On XX/XX/XXXX, my Citi/AAdvantage Platinum Select credit card was charged three times at XXXX XXXX XXXX XXXX XXXXXXXX, IL, totaling approximately {$250.00}. These transactions were unauthorized. 

A few days later, I contacted Citibank to dispute these charges. 

On XX/XX/XXXX, I noticed that Citibank had given access to my credit card account to my husband without my consent. My husband unknowingly paid my account instead of his own. 

On the same day, I revoked my husbands authorization through the online portal. The next day, I called Citibank to request a new credit card under my name only. Despite my efforts, Citibank failed to issue me a new card. 

I never received any communication from Citibank regarding the status of the dispute, nor did they request further information. 

On XX/XX/XXXX, I received a letter from Citibank stating that the dispute was closed because they were unable to contact me, and they refused to reimburse the unauthorized charge. The letter also included a threat to report me to consumer agencies if payment was not received, despite my account being in good standing. 

It appears that Citibank has already deducted the unauthorized charges from my account balance, effectively forcing me to pay for them without my consent or resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis has sent a " canned response '' and has failed to provided the requested source of their " verification '' ... Case # XXXX This bankruptcy is inaccurate ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a recent victim of Hurricane XXXX, and this trade is negatively impacting me from getting the assistance that I need. My loan status is current as of this date and I need it to reflect that on my CRAs. I can not wait until the end of the month. This is a time sensitive matter. Also, the 60 day late marker needs to be removed. With my recent account maintenance, I am no longer reflecting alte for XXXX and XXXX. Please have this updated on all CRAs immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. ( Original Creditor : ) XXXX, XXXX XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had problems with the credit reporting agency removed the items off my report and allow a company to put it back on Equifax i was a victim of identity theft and i have sent them so many documents proving all this over and over the company is XXXX and they sold the account to a collection agency and the information is not mine they took it off twice and it is back again also XXXX XXXX same issue they dont have my social in there system only my name. XXXX is on all three report im so tired of waiting on them to put it back in despute over and over this is not fair and they are not doing things according to the fair credit act. And XXXX  has inquiries on my report from identity theft and they date back XXXX year i have sent all documents in I want them removed. This is too much stress to much.
Product: Mortgage

XXXX XXXX WAS FILED XX/XX/XXXX PREVIOUS CASE WAS DISMISSED XX/XX/XXXX DUE TO ROBO SIGNING ILLEGAL ASSIGNMENT TO XXXX XXXX
Product: Credit card

Tried to settle my account with Capital One, was told to make 4 months of payments ( which I did ), all to find out it was not closed. Was charged late fees, interest, etc. got set up on yet another payment plan. Made XXXX payment in XXXX of XXXX. It was to come out on the XXXX of each month. It look them over a week to process it. XXXX rolls around, I waited over XXXX weeks for a payment to come out of my account, but it never did. Then on XX/XX/XXXX I get an email saying they tried to process my payment and couldnt find my account so they will not try again. I call, the gentleman proceeded to tell me that they could not locate my account, so no payment was made. He confirmed my account information, processed another payment and it was magically taken care of without an issueCAPITAL ONE IS A JOKE.
Product: Debt collection

This scammer from American Express called me at XXXX A.M. and I never used credit cards and I don't have credit card debt. And I've found out it's a high risk phone scam. And I've checked my caller XXXX, and it said, " American Express XXXX. '' I want them arrested!
Product: Credit reporting or other personal consumer reports

XXXX Equifax XXXX I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified.

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated to be completely deleted. 
The FOLLOWING accounts allegations are either UNTRUE, XXXX, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to reg|ulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : LOWBOX and XXXX is reported as having a late payment my credit report : XXXX has XXXX and XXXX of XXXX paid but then XXXX has XXXX and 60 days late. 
I am demanding that they be veupdated to Paid as Agreed and Never XXXX. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you.
Product: Debt collection

THIS IS THE SECOND TIME THAT I AM REPORTING THAT THIS DEBT COLLECTOR IS ADVERTISING TO COERCE PAYMENT OF DEBT WHICH IS ILLEGAL. THE AMOUNT OF ALLEGED DEBT IS IN A POSITIVE STATE. THIS WAS A CONSUMER CREDIT TRANSACTION AND NO FINANCE CHARGES WAS INVOLVED. THEIR LETTER DOES NOT DISCLOSE THAT THEY ARE A DEBT COLLECTOR. THEY CLOSED THIS ACCOUNT ON MY CREDIT REPORTS AS WELL ADMITTING THEIR ERROR.
Product: Credit reporting or other personal consumer reports

My personal information has been compromised and stolen. As a result the following accounts have been opened under my name and social without my permission. Ive reached out the all the credit bureaus and haven't received any help. The following accounts listed are a result of ID THEFT : XXXXXXXX XXXX XXXXXXXX Acct XXXX XXXX ( {$2800.00} ) XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX {$750.00} ) XXXX. XXXX XXXX Acct # XXXX ( {$290.00} ) XXXX XXXX Acct XXXX XXXX ( {$19000.00} ) XXXX. XXXX XXXX XXXX Acct XXXX XXXX ( {$990.00} )
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$69000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX
Product: Debt collection

I recently found out having to have my credit checked that I was a Victim of Identity Theft. identity thief used my personal information without my permission to open an account with XXXX XXXX. After sending in my Police Report and other affadavits to XXXX XXXX, Experian and XXXX and has now put this Creditor on, as Charged off as XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called them at least six times since these three hard inquires appeared in my credit file. I also sent the required information to them twice & never received a response. Their customer service representatives are horrendous to deal with as their English is extremely poor which only exacerbates their mistake. My son who has a similar name purchased a new vehicle from XXXX XXXX on XX/XX/2023. That is the very day I discovered these three hard inquires that properly belong to him. They also have my sons employer name, job description, telephone number listed in my personal information as well. Transunion immediately lowered my credit score with by XXXX points as well. Which was not right at all. They know full well that this information should have not been inserted erroneously into my credit file. They failed miserably by not verifying this information.
Product: Credit card or prepaid card

In response to my initial complaint filed with the CFPB, I was contacted by XXXX XXXX, Senior Specialist, Corporate Consumer Relations, Synchrony Bank. She left a garbled voicemail that I could barely understand and an email from a suspicious looking email address. 

I have left a return voice mail and two email responses in return- within a few hours of her reaching out to me- it's been almost a week, and she's made no attempt to get back to me. 

The email address she used looks highly suspicious : " XXXX '' and her voicemail sounds garbled- not professional at all. 

To recap : Synchrony Bank applied almost {$1500.00} in fraudulent charges to my account using a " card security '' scheme in cahoots with XXXX XXXX. I am due to reconcile my account on XX/XX/XXXX, but can't seem to get anyone from either company to give me the time of day. 

This issue needs to be resolved by XX/XX/XXXX or they will penalize me- how is any of this legal? They appear to be deliberately delaying the process so that I am penalized. I've lost sleep and time away from work in order to deal with this nightmare they've created. 

Everything about Synchrony bank is suspect - these people are outright criminals and they are intentionally stealing people 's money.
Product: Checking or savings account

Chase XXXX my account down due to a 3rd party check. They refuse to send the remainder of the money left in my account. This is causing me a lot of stress & financially impacting my ability to take care of my family & pay rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.
Product: Money transfer, virtual currency, or money service

Unsolicited lost money found scam. Do not want to provide personal information to company as they can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Account was not removed that is 13 years old. Need it removed immediately as it is affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to reach out to the creditor, XXXX XXXX, and could not obtain an address nor phone number. I researched the companies name and according to the XXXX the company is nonexistent and/or closed. I then tried to reach out to Transunion to validate, verify and remove this collection. I have not received a response and it has been over 30 days. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of the mailed letter. This is considered a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent request to solve problem with accounts which are not belong to me and never were opened by me. For a long time ago I have already find out this problem with company listed in identity theft. All of these accounts with {$0.00} balance and paid in full, but with lateness and they are not belong to me. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. It's not my accounts. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you  have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 
Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, my cousin used my SSN to opened auto loan account at XXXX XXXX XXXX CA XXXX without my permission. I did not notice until my fico score dropped down alot cause he missed 04 times payment. I know it is him because his mom told me that he bought a new XXXX car at XXXX and I find out there was nissan auto loan in my credit report.I asked my aunt and she showed me the contract, I went straight to the XXXX XXXX XXXX and store manager confirmed that is my cousin used my SSN to opened auto loan account.I already reported police but look like they do nothing for my case.My aunt already paid off for his car, but 04 missed payments are still available in my credit record, it make my auto fico score poor now. It is unfair for me.
Product: Checking or savings account

The company is : PayPal I contacted them several times to credit me my purchase that is remain to me. Like I made a purchase at XXXX XXXX to purchase gas. Their staples and card machine was not working. I did use my debit card but it declined the transaction outside. So I had no choice but to go inside. I need my money right away because I have to go to work. They said I had to wait seven days for the hold of {$18.00}. I did go inside to preauthorize PayPal to go through {$45.00}. I only used {$26.00} so {$18.00} is owed to me from PayPal. Several CSR 's said that I had to send them a letterhead or statement from the merchant. I insisted them I made a gas purchase and they caused me to be under emotional distress and not fair justice handling my money. I feel I should not have to wait seven days for any transaction to be credited back to me. Also, when I made the purchase inside with my debit card I used my pin which was posted the same day. They need to be corrected and fine for not handling my checking account in a timely manner. Please correct this issue because I do not need this to happen moving forward. It's my money not theirs and how dare they take their time to process my money. It can be a possibility I may lose my job because I do not have enough gas to get to work. How dare PayPal do this to me. Again it's not their money.