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

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report sinceXX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the DPT ED/XXXX  and US DEPT ED accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5, 6, 7, 19, 20 and 21 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

While checking my credit report, I noticed an XXXX report of allegedly returned check from XXXX reported by law office of Crystal Moroney located in New York. I contacted both XXXX and my bank and they do not have any record of the said debt. I tried to contact the law office of Crystal Moroney and their phone number does not even work. I believe this is a scam. I don't even use check to make purchases. I always use debit or credit card and so if I don't have the funds it will not be approved automatically. I think this law office is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, the following accounts have violated my rights. 

Experian Accounts Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX Accounts Account # xxxxxxxxxxxx XXXX Account # xxxxxxxx XXXX Account # xxxxxxxxxxxx XXXX Account # xxxxxxxxx XXXX Account # xxxxxxxxx XXXX Account # xxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxx XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 ACE CASH EXPRESS XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On:XX/XX/2020 The company above or, people working through them, fraudulently made a Regular Inquiry. XXXX XXXX says this was a hard credit request. They updated my Employer to XXXX XXXX. I have never worked at XXXX XXXX. 
In any case, I do not know who this company is, and I have not applied for any credit in over a year. When I called the number above, I got some kind of hard medical sales pitch. 
XX/XX/2020 XXXX XXXX Credit Card Services notified me that XXXX individuals had been listed as new authorized users. They would not tell me who these individuals are. I cancelled the account. No fraudulent charges were made. 
XX/XX/2020 Filed a XXXX XXXX with Credit Bureau XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. XXXX feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I open a dispute with Equifax requesting method of verification on a Chapter XXXX bankruptcy and Chapter XXXX Bankruptcy they came back the next day saying that they verified the bankruptcies through XXXX XXXX public records ; However this information was not verified through the ORIGINAL CREDITOR which is the courts, in which I reached out to the courts and they confirmed that they do not verify bankruptcies or any personal information with credit bureaus or thru third party entities which I informed them of on XXXX provided them with a LETTER TO REMOVE THE BANKRUPTCY AND LETTER FROM THE BANKRUPTCY CLERK and they still did not remove the bankruptcy from my report after they completed the review again. They are in direct violation of FCRA and did not validate debt thru the ORIGINAL FURNISER THE COURTS. Due to them verifying the debt thru a third party and not the original furnisher only provides the last four digits of my social their could be several inaccuracies but Equifax would not know because they did not verify with the original furnisher THE COURTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with XXXX Experian, XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit card

On XXXX XXXX, 2016, I tried to make a reservation at the XXXX XXXX XXXX. I was offered a {$50.00} credit if I applied for the XXXX Credit card which is through Chase Bank. The credit card application asked for my social security number, annual income, and employer. I was approved within minutes. I went back to use the XXXX Rewards Card to pay for my reservation and was unable to use it because I did not receive a number. I had the last XXXX digits only. I called Chase Bank and was told they would not give me the card by phone and I would have to wait for it to come. That meant that I could not use the Credit Card with the reservation, I could not earn XXXX points towards a free nights stay nor was I eligible for the {$50.00} off that they advertised. I closed the account immediately and the website no longer shows my account number. It ssays " Your account is closed and no longer available for use. '' This has also happened with XXXX XXXX when I tried to purchase a flight.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have done nothing to correct the erroneous information reporting on my Credit Report! I previously sent a dispute letter addressed to the Credit Bureaus on XX/XX/XXXX requesting to correct the accounts and information being presented on my Credit report but it is clear that the Credit Bureaus have ignored my written request. I am now submitting this CFPB complaint to request the Credit Bureaus that they remove the disputed items completely from my Credit Report since they are unable to verify the authenticity of the items in dispute. The FCRA 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. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Mortgage

We filed for bankruptcy and that was over 15 years ago and it was discharged but it still stayed on my credit report despite asking for it to be removed and then they sold our mortgage right after that. So nothing was ever done about it and the mortgage companies we have keep selling our account. 4 times and on the statement still shows bankruptcy therefore we are getting bad rates. All because of this. I never missed a payment as it came out automatically from my paycheck.
Product: Debt collection

I have notified XXXX and Experian that the account vendor XXXX Office of Texas Attorney General ) is actively being sued in federal court for illegal activity and I have provided substantial evidence to the credit bureaus proving that the account was paid prior to the lawsuit. As a result of me filing a federal lawsuit against the account vendor they retaliated by illegally changing the past due amount to an amount that does not line up with my income per the law. In addition they filed illegal enforcement paperwork to have me sentenced to jail. The account continues to negatively impact my credit report The fact that the account vendor allegedly retaliated by increasing the balance after federal suit was filed violates the Fair Debt Collection Practices Act ( FDCPA ) and is considered unlawful harassment per the law. This has opened me up for additional claims for damages beyond the current suit. Increasing the balance after I've filed a lawsuit is also an attempt to retaliate and intimidate. The credit bureaus and account vendor continue to refuse to remove the inaccurate information despite the evidence I have. This is a violation of the Fair Credit Reporting Act ( FCRA ) Account in Dispute ( Office of Texas Attorney General )
Product: Debt collection

They are texting me stating that I promised to pay a debt to them but I have not made any promises as I have not talked with anyone with TrueAccord and I dont know what debt they are talking about because when I click the link it showed that the link could not be found
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information contained in my credit report as provided by Transition. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate the following unauthorized credit card account : I have never applied for or authorized the opening of this credit card account. I want to make it clear that I have never signed or applied for this account. As such, I request that you provide me with documented proof of the signature associated with this account. This proof may include, but is not limited to, a signed application form, a copy of the original contract or agreement, or any other documentation bearing my signature.Furthermore, the reported dates of last reporting and active status for this account are inaccurate. I request a thorough investigation into these discrepancies. 
Creditor Name : XXXX
Product: Credit card or prepaid card

I am unable to login to my Synchrony XXXX XXXX account and NO ONE has been able to help me. When I go to login on the website, I am prompted to choose a phone number to be sent a one-time code. For many months now, I was given the option of choosing my current phone number ( ending XXXX ) and a phone number I haven't had for 15 years ( ending XXXX ). Now, I am only given the option to choose the old number ( XXXX ). I have called multiple times and no one has helped me. I have gone through a process of clicking a link I was texted, taking a picture of myself, taking a picture of my ID, and receiving a code I gave the customer service rep. Didn't work. I have since been told by account specialists that it has to do with my credit report showing an old phone number ( if this is so, why was I given my current phone number as an option until now? ). I have contacted all three credit bureaus and one ( XXXX ) had my old phone number. It has been removed. I still can not login. When I call the number on the back of the card, I am transferred around to people who do not know why this is happening, can not help me. 

As a result of all of this, I continue to be denied the ability to login to my account, view my purchase history and account history, make payments and more. It is not legal to deny someone the ability to see their charges and yet still demand payment. This is absolutely ridiculous.
Product: Credit card

On my XXXX  credit card a charge on date XX/XX/year> a charge was made for XXXX, which I didnt do, a dispute this transaction, but I was denied, they said the card was in my possession, but I didnt do this transaction
Product: Bank account or service

I have not received the promised XXXX XXXX XXXX Advantage points for meeting the requirements of the promotion, XXXX, for my new Citigold checking account. In communications with Citibank representatives via both phone and secure messaging, they confirmed that I qualified and met all requirements in the required time frame. They promised that all points would be deposited by the end of XXXX, but no points have yet been deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit report inquiries without my consent. XX/XX/16 through XX/XX/XXXX as of XX/XX/XXXX were not my inquiries
Product: Checking or savings account

Cash app took all my money out of my account $ {$3000.00}. I sent an email several times to them. No one never respond. They do not have a XXXX XXXX number.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES/ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XX/XX/XXXX, TransUnion and XX/XX/XXXXCRA. On XX/XX/2020, I mailed XX/XX/XXXX, TransUnion and XX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported me 3-4 months late On a credit card balance of {$19.00}.

They reported this to all three credit bureaus and it has affected my credit score.

Contacted XXXX on XX/XX/XXXX and they told me that I have a XXXX balance as of XX/XX/2018 when they closed my account. 
I never received a statement from XXXX for months cause I had not made any charges on the card! 
XXXX would not contact the three credit bureaus on behalf to settle this problem!
Product: Debt collection

Hello, I have been trying to solve my debt situation for 3months now but still has not been solved. 

I closed the Chase credit card account in XX/XX/2020. I went to the branch and they guided me to call the Chase Card. I explained the whole situation that I would not be in the U.S so I wanted to make a payment of all the transactions including future transactions. 

I followed every direction also paid the amount that Chase told me. 

Now I am back in the States and I see the crazy late fees and the amount that I paid ahead is not even reflected on the statement before the late fees. 

I disputed and re disputed the claim about it however I can not make any progress when I try to communicate and followed their directions. 

Please help and advise. 

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

On XX/XX/XXXX I started receiving notices that my credit was being checked by XXXX XXXX XXXX XXXX. On that day I was at work and did not authorize anyone to run my credit nor am I in the market to purchase a new vehicle. I attempted to contact the manager at the XXXX XXXX XXXX XXXX and he hung up on the phone on me and after repeated calls, I was left on hold for no one to return to the phone. Ive attempted to reach out to the banks and I was told to submit a letter to the credit companies which Ive done. After calls and letters each company keeps referring me back to the other and ultimately Im getting no where. I even ask them to update my employer because on the same day XX/XX/XXXX, XXXX XXXX was added as my employer and Ive never worked for XXXX. All other inquiries are mine eco the one from XX/XX/XXXX. Ive added the fraud alert to my report but Im not having any luck getting the unauthorized inquiries removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent XXXX letters to Experian in regards to the matter below. the XXXX was in XX/XX/XXXX and the XXXX in XX/XX/XXXX. No response. 

EXPERIAN XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear EXPERIAN : I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 
Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under XXXX5 U.S. Code 1681i, Paragraph ( XXXX ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promply delete The following inquiries are unauthorized : Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within XXXX days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

Consumer reporting agencies Trans Union, XXXX, and XXXX did not follow the following laws after the notice my notice of dispute was submitted : 1. FCRA Section 623 ( a ) ( 3 ) and 2.FCRA Sections 623 ( b ) ( 1 ) ( A ), 3. FCRA 623 ( b ) ( 1 ) ( B ), and 4. FCRA 623 ( b ) ( 1 ) ( C ) in regards to their duties after my Notice of Dispute was submitted by XXXX XXXX mail. The following are my most recent notices to the credit reporting agencies. 
XXXX. XXXX - XXXX XXXX MAIL : XXXX XXXX XXXX XXXX XXXX XXXX - Consumer ID XXXX -- Date XX/XX/2024 XXXX. XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Consumer ID XXXX -- Dated XX/XX/2024 XXXX. Trans Union - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Consumer ID XXXX -- Dated XX/XX/2024
Product: Debt collection

For more than three years I have been the victim of an abusive practice by First Federal Credit C. which has not stopped reporting to the three major credit bureaus a medical debt that does not belong to me even though the information they maintain in their files does not match my identity at all nor does it match the information they maintain on file with the credit bureaus, which I was able to verify through information obtained from the original creditor XXXX XXXX XXXX XXXXXXXX  when I submitted this account through XXXX on XX/XX/XXXX and contacted both companies in order to resolve the situation. 
FIRST FEDERAL CREDIT C Original creditor : XXXX XXXX XXXX XXXXXXXX {$440.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. Please see attached report.
Product: Credit card

I phoned Bank of America on Sunday XX/XX/year> and was on hold for more than 40 minutes waiting for a customer service representative because apparently, BOA won't allow me to close my account via their website ; requiring that one speak to an agent. I phoned again the morning of XX/XX/year> and was on hold for 24 minutes without a response. I phone the afternoon of XX/XX/year> and became frustrated being on hold for 45 minutes. I can not stay on the phone for hours at a time to close my account. I simply want to close my credit card account that I have not used in the past several years. How can I accomplish this if no one will pick up the phone?