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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Student loan

I have a private student loan since XX/XX/XXXX with Wells Fargo. Since I started paying back the loan a few years ago in XX/XX/XXXX I was always on time. In XX/XX/XXXX after I became a parent, I called Wells Fargo to know if they can postpone my monthly payments for 3-6 months while I gained back my financial strength. They're resounding answer was No. My other student loan providers gladly worked with me on this. As of some time ago, I called Wells Fargo again and they still said no, granted that now some of my monthly payments were not on time due to financial struggles. My balance in XX/XX/XXXX-XX/XX/XXXX was roughly 12K and  since I graduate 7 years ago it is a little over 10K which was another reason for my call. I pay a bit more than the minimum and the balance never seams to go down in comparison to my XXXX loan which was almost the same and I owe my less on that one. Overall, I think Wells Fargo was not usually the best practices with consumers.
Product: Credit reporting or other personal consumer reports

My and my sister 's personal and credit information was inaccurate as a result of Equifax blending as as XXXX information ( ex : initially it was my sister 's name formerly known as my name and after sending a bunch of information om several occasions they have it as my name formerly known as my sister ). As a result, my online account consists of my name, formerly known as my sister, and all of my sister 's credit history. We are XXXX separate people. I have been mailing documents and calling since XXXX XXXX. My most recent letter is dated XXXX XXXX. On XXXX XXXX, and Equifax representative confirmed the mailing was received on XXXX XXXX. Why hasn't been my online account adjusted?
Product: Credit card or prepaid card

Bank of America problem with my XXXX XXXX. I do not have a XXXX XXXX with Bank of American. This is number they called from XXXX XXXX XXXX.
Product: Mortgage

My home was foreclosed XX/XX/2017 and subsequently sold at auction. I received a XXXX stating the balance of principle outstanding as XXXX and the fair market value as XXXX I also received a XXXX stating fair market value as XXXX and the amount of debt discharged as XXXX. I contacted the mortgage company and questioned the reason for both a XXXX and a XXXX being sent and asked for an itemization of the XXXX. I received a letter telling me to disregard the XXXX and an email with an attachment of the supposed itemization of the discharged debt. The itemization is convoluted and neither the positive column of amounts or the negative column or the difference thereof corresponds with any of the amounts in question or makes any sense. I am questioning the amount of debt being discharged.
Product: Credit reporting or other personal consumer reports

Ive tried to resolve this matter with Experian for some years now starting from XXXX of 2019 until present day Ive sent in a letter from the courts stating that they dont report or send anything to credit bureaus Ive asked them to tell me who furnished the information pertaining to a bankruptcy Ive disputed the remark over and over they have failed to investigate properly and or remove said remark
Product: Debt collection

On XX/XX/2018 united west collections contacted me and was very angry that I made a complaint w cfpb.

I was yelled out I was told incorrect things I continued to tell the male rep that I never received information about this debt. That by law I should have been given a letter detailing this debt before it was put on my credit report.

He insisted some computer generated 3rd party agency sent the original letter BUT he had no date or postal verification Stop this company from harassing me, stop them from not following the law, and remove his erroneous collection from my credit report
Product: Debt collection

On XXXX XXXX, 2015 I sent Convergent Outsourcing, Inc. a validation letter for a debt they claim I owe. On XXXX XXXX, 2015 I received a verification letter and not a validation letter. I am requesting they send proof of the debt. The document they sent me does not provide enough information that I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. My social security number is XXXX, I have disputed XXXX items on the following credit reports : XXXX, Equifax and XXXX. XXXXwo of the five were deleted. XXXX XXXX account number XXXX, XXXX account number XXXX, and XXXX XXXX account number XXXX remained. Since XXXX of 2017, I have repeatedly contacted the aforementioned companies and asked for proof that these accounts belonged to me. Neither of these companies provided me with evidence these accounts belonged to me or how they determined these were indeed my accounts. After not receiving proof that these accounts belonged to me I requested that the erroneous entries be deleted. Neither of these credit bureaus deleted these derogatory entries. Furthermore they never stated how these references were verified. I can only conclude that these credit bureaus are refusing to obey the Fair Credit Reporting Act, which states that all entries must be accurate and verifiable. If I ever signed a retail contract with these subscribers, copies should be provided as proof.
Product: Credit card or prepaid card

I went to Marshalls on XX/XX/XXXX. XXXX XXXX, CA. I was encouraged by the store cashier ( who was the manager ) to apply or a REWARDS CARD. I questioned her several times to make sure it is a rewards card and to make sure I did not already have an account. I then agreed to the REWARDS CARD SHE WAS OFFERING, the screen prompted questions regarding income and personal information, my social. I asked the cashier why that was needed and she says, " oh it's not for us to see but just a part of the process ''. I then ask why do you need my personal info for a rewards card? She said oh, thats just what they require but we dont see any of it. I thought it was strange and asked her again, this is a rewards card right? YES. she replied. Transaction goes through. I hand her my XXXX card for my purchase and she gives me just a receipt with nothing else. I get to my car and see the inquiry on my phone and I am now LIVID. I called immediately to the store to have them correct this as I did not agree to a CREDIT CARD, ONLY TO A REWARDS. She gives me a number and I contact the number which appeared to be Synchrony Bank, I explained the details to a rep named XXXX and they assured me that they would submit the information to the Bureaus and cancel the account since I did not authorize to become a credit card holder. Over this passed weekend XX/XX/17, I received several notifications for inquiries and new accounts via my XXXX  account. This account was opened in a misleading way. I am not nor have expressed any interest in a Marshalls credit card especially considering I have several high limit credit cards. I was lied to on what type of account it even was and need these unauthorized account and inquiry removed from my credit profile as their practice is obviously misleading and illegal. They never informed me of the use of my credit nor did they advise me that it was a CREDIT CARD i was kapplying for. I havea tried to contact XXXX and XXXX but they keep hanging up in my face unwilling to helpThank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Bankruptcy Ref. No. XXXX Personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, is immediately and completely REMOVED from my file. 

To whom this may concern : It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading or unverified information. 
In XX/XX/2020 and months preceding from XX/XX/2020 onward I received a response from Experian stating that the following account could not be verified nor validated, and it was immediately removed from my credit file : s Per the PROCEDURES and laws stated in 15 U.S.C. 1681i and its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been disputed BE NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above, I have requested this information be SENT to all CREDIT REPORTING AGENCIES and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT. 

I have sent several letters to Experian, which have been repeatedly denied for removal this public information from my credit file. I have contacted both the U.S. Bankruptcy Court of Texas and the PACER system and they have both confirmed that they do not and will not verify such personal information. Per FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this account on my credit file is a violation of my rights. Please DELETE THIS ACCOUNT IMMEDIATELY so we can avoid further potential of a consumer or legal complaint. 

Please be advised that a copy of this letter has also been sent out certified mail and to the U.S. Bankruptcy Court of ( Texas ). 

Regards, XXXX XXXX
Product: Debt collection

I do not have exact dates but in 2014 I had an auto loan with Consumer Portfolio Services. At the time I was not working and was unable to pay my car not and fell behind. I did begin working and starting making payments but before that time they would call 5-6 times a day. The callers were very rude and threatening. I have had to hang up the phone because one caller would n't get off the phone until I gave them a checking account number. They also repossessed the car when I was still catching up on the payments I was behind on. So I feel like if I am giving you payments I should be able to keep the car. Also, the company called 2 of my references and told them both I was behind on my car payments. They were harassing one of my references to the point they became upset. They also told the reference to go find me on social media like, XXXX or XXXX. This issue is currently affecting my credit. Also, the company somehow had my insurance to fix the car because there was a slight dent in it when it was repossessed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX - XXXX, XXXX XXXX XXXX - XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My personal id was stolen and used to get loans. I filed all the fraud paperwork and FDTC report and sent to the credit agencies. My disputes are not getting processed correctly and the information is not attached to the disputes. I am not getting copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford Credit reported my account 30 days past due in XXXX or XX/XX/2019 even though I had made arrangements to pay half at one time and the other half to follow. I was only late on half the payment they agreed to extend briefly. It was paid as agreed on. When I called, I was told this entry would be removed, but when I dispute through CFPB nothing has been resolved.
Product: Credit reporting or other personal consumer reports

This account was paid off in full in the month of XX/XX/XXXX somehow XXXX XXXX  XXXX took the payment back after XXXX confirmed and accepted payment. It was after I was locked out of the XXXX app that I realized there was something wrong I was further denied access to the checking and savings accounts along with making in person payments at the sister branches in which payment would be made through due to this credit union not having any local branches in my area and the blocked access to the accounts and use of the payment options through the sister branches I had no way of fixing this issue as the address on the back of the credit card is incomplete/not the correct one to send payment to once something like this happens. It was not until XXXX that I discovered/received a letter stating that the account was charged off. I did NOT receive any 1099 form reflecting the charged off amount, but yet I was told that the other accounts would remain open until XX/XX/XXXX, then closed and at that point I can reapply for membership but not guaranteed to get XXXX due to previous history. I was sent an email on how to make payment for the full balance which I remitted a Cashier 's check to XXXX in the full amount due. XXXX received the payment accepted the payment cashed the check and still reported/updated this account as being accurate Charged OFF unpaid. So basically, we have an issue where XXXX Wrote Off the {$1900.00} and received certified payment of {$1900.00}. as of XX/XX/XXXX which they continued to report inaccurate information at this point XXXX has written off this debt as a loss and then collected full amount due while failing to provide the XXXX credit bureaus with true, accurate and correct information.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Checking or savings account

I was in XXXX  and my chime checking account became negative I assume due to fraudulent activity they never told me where or how the card was used. But at the time I didnt have the card because I had been in custody with the department of correction for 7 months. It took me XXXX e-mail and many calls just to find out when the account was closed and the amount. It was XXXX that closed my account. I offered to pay it immediately and they basically ignored the offer and stated I couldnt have another account because of the negative balance. I told them I was in XXXX  and the charge was most likely fraudulent they still have not responded. I honestly dont have time to deal with this given its taken months just to figure out the balance and time it went delinquent.
Product: Debt collection

On XX/XX/2023, received debt collect email for {$510.00} from Columbia Debt Recovery llc dbz Genesis for XXXX which is over XXXX lofts apartments. This amount was a false move out fee which was already disputed with the apartments years ago. In fact they still have a {$500.00} deposit which we never got back which is supposed to go to fees like the one they made anyway, but again the move out charge was already disputed and the apartment could not even prove the charge just sent random photos of a clean apartment. Even just taking a look at the XXXX pages for Genesis, and XXXX there are thousands of complaints of fraud and people having to take them to court every year. Also hundreds of reviews on XXXX how the Genesis employees verbally abuse and harass people. After multiple calls with Genesis who even they saw that the {$500.00} deposit money is on the lease and we never saw any of it, they keep saying they tried to call XXXX over and over but never get a response back. This has made a negative report on our credit scores for a false charge as well as our security deposit money being withheld.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person of the United States of America : I believe in the laws of the land which is the US Constitution as well as the Congressional Findings. Experian is in violation of 15 USC 1681b ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX XXXX the consumer never gave Experian written contest to report anything on my consumer report. No consent is identity theft!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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: Credit reporting

I filed a dispute with Equifax and my results are dated XX/XX/2016, they deleted the address of : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I explained that this address does not belong to me, I have no knowledge of this address. Equifax has re-inserted it back on my credit report, after they sent me correspondence that it was deleted. I demand that this be looked into immediately as it is a violation of FCRA. Thank you for your investigation into this matter.
Product: Credit card or prepaid card

I have a Fidelity Rewards Visa Signature credit card as described in the following webpage : https : //www.fidelity.com/cash-management/visa-signature-card. As it states clearly, quote as below : " Every eligible net {$1.00} spent equals XXXX Reward Points. 
No limits on total Reward Points and no restrictive categories Reward Points will not expire ''. I never heard of anywhere or was told that the reward points would expire. So I never thought of checking my rewards status, until recently I came across my rewards activity and realized that over the past year a total of XXXX points of mine expired in 3 times. I contacted the card customer service and they told me unused points would expire after 5 years ( which was completely opposite to the introduction on their own website ), and they could not reinstate my expired points.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act these creditors have violated my rights! Under 15 U.S.C 1681 Section 602 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''. 

I demand that the following accounts be removed immediately : XXXXXXXX XXXX XXXXXXXX Charge-Off account. 

XXXXXXXX XXXX XXXX XXXXXXXX Charge-Off account. 

I am also requesting monetary compensation for each violation.