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

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Account name ( s ) & Account number ( s ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX NC ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have previously requested that they investigate this information and they have failed to correct the errors that are reporting on my credit report. Now is not the time to update, I demand that the parties involved IMMEDIATELY DELETE this inaccurate information from my credit report. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, 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 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.

Most of these are accounts close and self has the wrong account number for the three bureaus. A few was medical bills where I never signed no contract and debt collections are purchasing a few of these charge off accounts. Please remove any and all of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to reach out to the companies and they continue to give me the run around and send me to different people that can never give me a definite answer or help me. Then the addresses and phone numbers that are on my credit report are not mine nor the excessive amount of phone numbers that show up on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attachments Below. I intend to dispute the following. Account : XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX {$4900.00} / XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$400.00} / XX/XX/XXXX XXXX Dept Of Education XXXX XXXX  $ XXXX XX/XX/XXXX, Dept Of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dept Of Education / XXXX  {$2000.00} / XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Inquiry : XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX : XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX Date : XX/XX/XXXX Inquiry XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXXXXXX XXXX Date : XX/XX/XXXX Inquiry : XXXXXXXX XXXX Date : XX/XX/XXXX Remove Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX / XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX / XXXXXXXX XXXX XXXX XXXXXXXX XXXX CO XXXX / XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, FL XXXX
Product: Mortgage

I purchased a home XX/XX/2023. My morgage lender was Fifth Third. My broker told me I could get approved for 3 % down and we proceeded. While at the 30 day mark for approval he says I must come up with an additional XXXX plus pay off XXXX credit cards. Again on last day. Then I did not receive 3 day disclosure and had to ask for closing amount the morning of closing to my shock that I now must pay another XXXX for car payoff. I was misled and had to drain all accounts. I'm a single mom and find this very unprofessional. And my broker who said he would be at closing never showed up but has text me asking for help 3 months later. There are many other details, texts, emails etc that were beyond unethical
Product: Debt collection

They constantly call and ask to speak with a person I 've never met before. Despite telling them that they have the incorrect number they harass me multiple times a day.
Product: Credit reporting or other personal consumer reports

My name is XXXX, and I am writing to explain the circumstances surrounding the theft of my identity and the resulting legal actions. 

I discovered that my identity had been stolen, and someone has been using my name illegally to open accounts and engage in criminal activity. These actions were conducted without my knowledge or consent and have caused significant damage to my reputation and personal records.

Due to the severity of this matter, the District Attorney in my city/state reviewed the case and concluded that I was not responsible for the fraudulent activities attributed to my name.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft. Please delete these items immediately. These accounts should not be furnished on my consumer report as they are in violation!! Under 15 U.S Code 1681b - Permissible purposes of consumer reports, IN GENERAL subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to which to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed 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 XXXX
Product: Money transfer, virtual currency, or money service

I am trying to access funds from my Venmo Account. I submitted a ticket on XX/XX/2023. They seem to be giving me the run around and state they can only help via email, and that it is faster, when it is not. I asked to speak to a supervisor, but they put me on hold for over 10 minutes. Ask to reset my password, which I did, but have not received a response on why or how I can access my funds. Thank you.
Product: Credit card or prepaid card

Back in XXXX of 2021, I bought a XXXXXXXX XXXX XXXX XXXXXXXX. I had to send it back twice within 2 months of receiving it at a cost of around {$10.00} shipping each time. Every time, XXXX told me it was my fault for one reason or another but they would repair it and send a new unit. 

After the second time, I told XXXX to keep the XXXX  and just refund my money. They did not, they sent it back broken. 

I filed a dispute with Citi and gave them the reasons. No where on their dispute site was I able to forward emails of the communications with XXXX. I did not know they asked for additional information until after the time limit had passed when I logged in to make a monthly payment. They also did not provide the merchants response or send my any kind of prior notification by US mail or email about needing more info. The only email I received was from XXXX where they showed the tracking number where XXXX had returned the amplified. 

On another instance, I had an issue with XXXX phone service. Not sure what happened but my equipment quit working and I had no dial tone. I did not know XXXX kept charging me monthly fees for service I did not have. Citi refunded all the monthly charges except one month for the same reasons but somehow needed more information about the one month. Again, I was not notified. 

This seems to be a pattern of negligence on Citi 's behalf. They are not protecting the financial interest of their customers. 

You can do whatever, but I will be suing citi and MasterCard over this. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

LCI, is reporting this bankruptcy on my credit report, and they have put in the Data Furnisher as being the XXXX XXXX XXXXXXXX XXXX XXXX XXXX Florida which is false. I have a attached a letter from the XXXX XXXX XXXX XXXX XXXX XXXX Florida verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring services nor do they verify and validate any information concerning bankruptcy. LCI is falsely stating this information on my credit report and have yet to remove this from my credit report.
Product: Credit card or prepaid card

I purchased an XXXX XXXX ticket online from a travel company. I printed my ticket and arrived at the train station, only to be told my ticket was invalid and I had been scammed. The original charge was {$500.00} on my BJs Capitol One XXXX. As I did not have a legitimate ticket to ride the train, I had to purchase another ticket for {$560.00} from XXXX. As soon as I discovered that I had been scammed I reached out to Capitol One to start a dispute over the {$500.00} charge. This began a long series of requests for proof of my claims which I sent them. Each time I sent them the information, they would immediately refuse my claim. Its as if they are reading from a script and adding one more thing you have to come up with every time they talk to XXXX resolve your claim.After approximately 20 phone calls and as many requests for more information, I was unable to provide anything else and they refused my claim. When I realized that I was getting nowhere I offered to split the {$500.00} and accept that as the final step in the process. Capitol One refused my offer.
Product: Credit reporting or other personal consumer reports

I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. Please let me know if you would like any further revisions or if you have additional concerns. 



Schools First Credit Union *Account only present on XXXX  inaccuracy Cares Act- Late payments XXXX, XXXXXXXX XXXX XXXX day XXXX on XXXX XXXX shows different *12 late payment inaccurate Also Schools First Credit Union Different account number Schools First Credit Union 8 late payments XXXX XXXX Account paid on time XX/XX/XXXX XXXX XXXX XXXX Also Schools First Credit Union XXXX Shows 3 late payments XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX Shows 6 late payments *XXXX XXXX late payments different account number* Inaccuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 NCB MANAGMENT SERVICES added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and charged off and i am no longer responsible for the account. debtor creditor did not verify this account. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA NCB MANAGMENT SERVICES has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Credit reporting, credit repair services, 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 confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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

XXXX IS REPORTING INCORRECT ACCOUNT INFORMATION ON MY CREDIT REPORT. THIS ACCOUNT WAS REMOVED A YEAR AGO DUE TO ACCOUNT NOT BEING MINE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number of XXXXXXXX XXXX opened on XXXX XXXX under the account number XXXX, XXXX on XXXX XXXX under the account number XXXX, XXXX opened on XXXX XXXX under the account number XXXX an auto loan account opened at XXXX XXXX XXXX on XXXX XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$3900.00} under the account number of XXXX. These accounts have resulted in several fraudulent hard inquiries, fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Re Account ending : XXXX My XXXX account was charged numerous overdraft/extended overdraft fees, returned check fees, overdraft transfer fees as a result of a stop payment on a check issued by Capital One in the amount of XXXX. I have attached statement copies to this complaint showing a total of fourteen ( 14 ) overdraft fees, a returned check fee in the amount of XXXX, an overdraft transfer fee also in the amount of XXXX. The total is XXXX in fees, these need to be refunded back to my account, a check sent for difference. A XXXX XXXX with Capital One insists a second check issued in the amount of XXXX on XX/XX/XXXX, cashed by a XXXX XXXX, lives at my address when she in fact does not. The statement will show I was in XXXX XXXX during the time the check was sent on XX/XX/XXXX, it was not signed for by myself which is fraud. I did not receive the funds, Capital One still owes me the amount of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts removed from credit report still showing XXXX XXXX XXXXXXXX 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

this is my third time disputing these accounts that does not belong to me and not sure what is the hold up on processing my dispute here are the accounts : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} I have request documentation from the following collections agencies and Please delete the above accounts they are not accurate and unverified XXXX FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

They told me to wait a month. 

When I filed this complaint with the Federal Consumer Protection Bureau, I was unable to add example files to the complaint. The link on the CPFB website didnt work.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$19000.00}
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. Please dont respond to my request by saying that these accounts have been verified by the information provider, I a aware of the E-OSCAR process.I do not give your company permission to publish unverified information on my credit file. I am asking your company to legally verify the accuracy of these disputed items and not to just parrot what the information provider tells you. By publishing these unverified items on my credit report you are in violation of the FCRA and by distributing my credit report to 3rd parties you are damaging my reputation and credit worthiness.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against Equifax with the CFPB on XX/XX/2024. Equifax responded on XX/XX/2024, stating they would remove the inaccurate account. However, the account remains undeleted despite their assurance that it would be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent Midland Credit Management numerous letters requesting any proof bearing my signature and to date that only send an itemized bill, regarding an account which they states I owe {$430.00}. They are still sending letters and calling me regarding this account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, submitted a dispute regarding several inquiries on my report, requesting that these be investigated. On XX/XX/year> received acknowledgement of acceptance of my disputes, while on XX/XX/year>, received additional correspondence claiming that 4 of the 6 inquiries that I disputed were labeled as frivolous. Accordingly, I flat out reject the notion that these are frivolous and they should be submitted for investigation. When a financial institution rejects an application for unable to verify identity, they can not be allowed to publish this negative information on a consumer report, because, as the rejection states, identity can not be verified.
Product: Credit reporting or other personal consumer reports

FCRA 605B says we must fix wrong stuff on my credit report. Can you check? Some accounts listed are wrong in how they're reported, the money they say, and the dates.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed {$91.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00}