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

I emailed Experian by certified mail twice in early XXXX, 2022 and twice in XXXX, 2022. THAT IS A TOTAL OF 4 TIMES EXPERIAN HAS FAILED TO RESPOND within 30 days. That is illegal and by law all false accounts must be removed. Experian DID NOT RESPOND TO ME 4 TIMES. See enclosures as evidence. 

XXXX XXXX  NOT MY ACCOUNT XXXX XXXX XXXX  NOT MY ACCOUNT XXXX NOT MY ACCOUNT XXXX NOT MY ACCOUNT XXXX XXXX XXXX XXXX NOT MY ACCOUNT XXXX XXXX- NOT MY ACCOUNT EXPERIAN IS LYING WHEN THEY SAID THEY VERIFIED THINGS PREVIOUSLY BECAUSE I HAVE EVIDENCE, they don't have my proper name : XXXX XXXX ( no middle name ) and are calling me " XXXX XXXX ''. THEY DO NOT VERIFY ACCOUNTS. THEY LIE ABOUT IT. THEY DO NOT RESPOND IN 30 DAYS. By law these false accounts must be removed. 

They ignore me repeatedly which is illegal. THEY HAVE BROKEN THE LAW SEVERAL TIMES BY NOT RESPONDING. THIS FALSE ACCOUNTS HAVE TO GO!
Product: Credit reporting or other personal consumer reports

Experian is reporting XXXX XXXX  on my credit report, but this account and balance do not belong to me. I have disputed this multiple times with Experian, yet they continue to violate the rules and regulations regarding the handling of fraudulent accounts and identity theft. 

Once again, I am attaching the removal letter from XXXX XXXX to request the removal of this account from my report. This situation is fraudulent, and Experian has not complied with the required time frame to investigate and correct this urgent matter. 

This needs to be addressed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX XXXXXXXX were original creditors for two credit cards that went into a default status. The creditors have since charged off the accounts. However, after contacting the creditors and Experian regarding the status of the accounts in writing the creditors and Experian have failed to update the status of the accounts to reflect sold to a third party and that the balance is now {$0.00}. Furthermore, Experian has confirmed by phone that the creditors are still reporting the accounts as owned by original creditors which is inaccurate and interfering with my ability to gain new credit in an attempt to raise my credit worthiness.
Product: Credit card or prepaid card

My XXXX XXXX XXXX account was to be added to consolidated credit counseling program. There seemed to been a problem transitioning into the program.Sychrony bank put three late fees onto my account and an over the limit fee! I was contacted asking that we pay {$150.00} minimum payment for the mistake. I would like the error corrected on our credit and account. We have made every attempt to keep the account current synchrony bank has been incredibly difficult.
Product: Credit reporting or other personal consumer reports

Please be aware this is my second complaint. Every individual every debt collector has to OBEY the law. This Business still has not provide original contract as requested. This company is attempting to do business with them.

Please submit all documents that you have submitted to consumer reporting agencies. That you used to create this frivolous account on my credit report. I have reason to believe that you unlawfully obtained my personal identification information. Without my prior consent, which, you have used to create this debt on my credit report. Let me explain, if you have used my Name and any other personal identifiable information such as : a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. ( See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) " Pursuant to 18 U.S.C . 1028A ( a ) ( 1 ), a person is guilty of aggravated identity theft if, in relation to any crime listed in 1028A ( c ), he " knowingly... uses, without lawful authority, a means of identification of another person. '' The statute defines the term " means of identification ''. To mean " any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [ or ] date of birth. '' Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. If you delete this trade-line then i will drop my claim.

You have 3 days to delete this frivolous account if you fail I will file a claim against your unlawful company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to access the XXXX website for a week and it is not available for my country, Puerto Rico. Every time I try to access I get the following message : XXXX XXXX XXXX The XXXX website is not currently available at your location. Visit XXXX or www.consumerfinance.gov/learnmore/ to learn how you can request your free U.S. credit report by mail. 

Why can't I access the web? By mail it takes a long time and I have the right to access it like other countries. 
I am a XXXX XXXX and I refer clients to use the access and they have not been able to do so either. 

Thank you for you assistance.
Product: Checking or savings account

My account was charged by a company called XXXX XXXX, i did not recognize or make the charges. I filed a dispute with documentation showing i contacted the merchant, showing the merchant should have been blocked because i had an issue with them with another bank. Chime financial did not investigate they just closed the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

So basically I have been sending letters for 6 months and they all have been rejected, I ask XXXX XXXX to Remove the Bankruptcy, they used a public online system to research, not Verifed some information. Not acceptable at all I also have the company responding stating that dont furnish, nor verify any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple inquires on credit report did not apply! 

XXXX XXXX XXXX  Bank  XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX Bank XX/XX/2021 XXXX XXXX Credit Union XX/XX/2021 and XX/XX/2021 and XX/XX/2021 XXXX/XXXX  XXXX  XXXX  XX/XX/2021 XXXX XXXX Credit Union XX/XX/2021 XXXX  XXXX XXXX Auto Financing XX/XX/2021 Experian XXXX XXXX Credit Union XX/XX/2021 XXXX
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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

I HAVE MAILED SEVERAL LETTERS AND SUBMITTED AND FTC REPORT TO TRANSUNION REGARDING FRAUDULENT INQUIRIES. EVERY TIME I CALL, THEY TELL ME THEY HAVE NOT RECEIVED THE PAPERWORK. I SENT ALL MAIL CERTIFIED AND HAVE TRACKING NUMBERS SHOWING CONFIRMATION THAT EACH LETTER WAS DELIVERED. I HAVE BEEN SENDING PAPERWORK SINCE XXXX. MY MOST RECENT LETTER WAS SENT XX/XX/2021 AND THESE INQUIRIES STILL HAVE NOT INVESTIGATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and METRO 2 compliance standards, my credit profile wit XXXX, experian, and XXXX XXXX shall be accurate and complete. Their verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was stolen from equifax servers without my consent. 
Equifax did not notify me right away and waited more than 2 months before informing the public, well after the company executives sold off their shares in the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house to provide for me and my sons.
Product: Debt collection

I applied for a XXXX XXXX credit card in XXXX. All the information I gave was correct. I never received the card. Citi bank started calling about the account. I got an email from them that said I had an outstanding debt. I called them and spent over an hour explaining I never received the card. The card they had listed had my divorced name which I haven't used in 28 years! I told them this. I was transferred to their fraud dept., then to their security dept. and 2 more departments. Each time I explained I never received the card, the last name they had wasn't my legal name, and if I didn't have a card how could I incur a debt? 
They call me 3-5 times a day everyday to go online, put in my account number, to remedy the debt! I don't have a card, an account number, or the name they have listed. This is harassment and I please want it to stop. Please help me. 

XXXX XXXX XXXX
Product: Debt collection

Flagship Credit will call at least 7 - 8 times a day. Also calling people we know but not have been in contact with for years. Have contacted ex spouses, left voicemails without saying who they are. Has also been calling employer
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. 

Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address a serious issue with my credit report. I discovered that information belonging to another individual has been mistakenly reported under my name and Social Security number. I have made the bureaus aware of this issue but it has yet to be resolved.
Product: Debt collection

Credit Acceptance account XXXX, have reported in my credit that i voluntary repo, i didnt my estranged husband jump on me and took my car in XX/XX/XXXX and i havent seen it since, ( call police and they told me it was his property as well even though he wasnt on the loan ) until one day he call and curse me out saying haha i turn ur car in, but when i call credit acceptance i was told that they didnt have my car and that i need to file a report, so a few days later the police confirmed that it was a voluntary repo, but wasnt by me about that time i finally got the company to admit they had it, it was sold and never was given any info how much it was sold for until seen on my credit, they havent reported since XX/XX/XXXX, this is and repo on my credit that could have been avoided if they wouldve admitted they had my car and i paid to get it out, but they didnt, now this bad Mark on my credit they just have here no updating just there, i tried to reach out to them plenty times with no help this is unprofessional and really dont care now since it been almost 5 years they lied to me that they didnt pick up my car i never volunteer them to do that as they report on my credit .. please help
Product: Student loan

DEPARTMENT OF EDUCATION ASPIRE RESOURCE IS REPORTING AN ACCOUNT THAT THEY NO LONGER SERVICE AND OTHERWISE TRANSFERRED TO ANOTHER LOAN SERVICING COMPANY AS A NEGATIVE ACCOUNT ON MY CREDIT REPORTS ( XXXX, XXXX AND XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft and have been in the process of removing all fraudulent items. Here is a list of the remaining fraudulent inquiries : XXXX XX/XX/XXXXTransUnion XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX TransUnion XXXX   XX/XX/XXXXTransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXTransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Checking or savings account

On XX/XX/2020 I received a message from what I thought was Chime my banks account stating I was approved for a higher " spot me '' bonus which allows you to overdraft for free, I clicked on the link and entered my login credentials only to find out out it was a scam,. 

XX/XX/XXXX I received my unemployment direct deposit for XXXX $ from the previous 2 weeks into my bank account while I was starting a new job and I was in the car with my new boss and a transfer I did not authorize took place to a person named " XXXX XXXX '' in the amountnof XXXX $ on XXXX XXXX 2020. I immediately contacted the bank and told them I wanted to dispute the transaction as I had not given authorization for that nor did I transfer the money to this person, I also was on the phone with a customer service representative and he was watching transactions for a website ive never been on in my life take place called XXXX, I immediately started a dispute and a investigation and was returned with an email on XX/XX/2020 stating during their investigation they found NO error in the transaction which is false because I offered the photos of the emails I received from a scam email that was labeled as my bank and they refuse to give me my money back or open a new investigation. I did not authorize this transfer of these funds and I did not authorize thisnperson access to transfer these funds, I am receiving 0 help from the Chime banking institution and I have emailed the CEO and Owmer but have not received a response.
Product: Debt collection

Back in 2015 XXXX XXXX tried to sue me for some past student loans. I tried to dispute them, but was unaware of the law at that point. Many of the loans in question were reaching or been expired based on the Illinois statue of limitations, however that did not stop them from hiring XXXX XXXX XXXX, pc. Upon trying to serve me they hired someone who came to my door at approximately XXXX XXXX on a week day and stated he was a member of local law enforcement. When I asked him to show me some identification through the peephole he refused, and I then called the actual police on him. At which point he stated he was not a part of law enforcement and told them he was there trying to deliver me some papers. He never specified what the papers were, the police officer had to stand in between myself and the guy and asked if I wanted to sign for the papers I said no, and that I did not want them. I had no idea what they were and because he has scared me and my kids, I wanted no parts of it. The police then instructed the guy to leave, at which point he did. It wasn't until I got a letter from the courts saying that the company was given a default judgment against me and I went to the courthouse, did I learn that he was trying to serve me. I told the judge I was not properly served and she told me I had to file some paperwork. At that time I did not have the money to file and was as a result have been getting garnished by XXXX XXXX XXXX on behalf of XXXX XXXX. As of recently I read that they are being sued for improperly filing cases against clients. Since then they have been ordered to stop collecting, however, XXXX XXXX is still actively garnishing me and has been since 2015. They have taken over $30k from me unlawfully. Also, XXXX XXXX XXXX has been over charging me and collecting more then what was originally stated on the court documents. Since the lawsuit, they have not recertified the garnishment through the courts, something they are supposed to do every 90 days, but have been garnishing me based on the last recertification which was more then 3 months ago. I have tried to contact XXXX XXXX XXXX several times and they refuse to provide me with the documents requested and they keep using the garnishment as proof that I owe this debt. My rights have been violated and I need help to get my money back and stop them from garnishing me any further.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX and TransUnion for false credit reporting, failure to correct errors, and violations of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I made my final payment of {$320.00}, bringing my account balance to {$0.00}. On XX/XX/year>, XXXX XXXX confirmed in writing that my account was closed at my request and that my information was deleted from their system. Despite this, XXXX falsely reported a 30-day late payment for XX/XX/year> to TransUnion, which is completely inaccurate. 

Under FCRA 623 ( a ) ( 5 ) ( 15 U.S.C. 1681s-2 ( a ) ( 5 ) ), a creditor may not report a late payment unless it is at least 30 days past due. My account was paid in full and closed before the alleged delinquency, meaning this late payment report is not only false but also unlawful. 

I have provided concrete evidence, including : Payment confirmation from XX/XX/year>, showing my final payment Account closure confirmation from XX/XX/year>, confirming a {$0.00} balance Credit report documentation proving that TransUnion is still reporting a false late payment I have made multiple attempts to dispute this false information with both XXXX XXXX  and TransUnion, yet neither has corrected the issue. XXXX has failed to respond, and TransUnion continues to report the incorrect late payment despite clear evidence proving it is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past month, Equifax has locked me out of my account 5+ times. This has been a huge discrepancy in me being able to access my report and view my score. Every time this occurs, there appears a screen that prompts me to have to CALL into Equifax, which takes another 30 minutes out of my day. This has been a huge inconvenience to my day, my ability to operate in commerce and the reasonable means of accessing my report.