23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have been disputing multiple accounts with this agency on multiple occasions and have yet to be properly assisted. I have updated my personal info and still incorrect information is connected. I have these exact accounts apart of a lawsuit due to negligence. The same accounts are being added multiple times to change the ages. I am a single mom who has a XXXX XXXX XXXX XXXX I can not get a car, a decent income source, credit or a home. I didnt know what to do so Ive come to taking legal action. I am needing desperately to get into a vehicle before the year is over because I live in a cold state. I want to get my baby a home of our own this upcoming year as well. 

I have been receiving calls, texts and emails in regards to these fraudulent accounts that should not be attached to my profile. This has been depressing and very life alternating. 

I have attached the tracking number for the latest dispute and personal info update submitted. I have yet to hear back about updates or investigation status.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some bad information and or accounts listed on my credit reports that do not belong as I didn't authorize the listed inquiries, nor are the accounts listed are my accounts. There is also an address that did not belong to me as well. Please remove them.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack any insight into them, and the company acted without my approval.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit card or prepaid card

I 've attached a letter written with all of the details regarding my dispute, etc., and pages of documentation supporting my dispute with Barclays Bank. 

Barclays never sent me timely information regarding the dispute, nor did they answer my last letter dated, XXXX XXXX, 2017 that pretty much sums up the transaction and details of the ongoing dispute. 

I removed a few pages within the documents I sent. They are page 4 of 18 and 11 of 18 as those pages were copies of my TX drivers license. 

PLEASE MAKE SURE YOU GO THROUGH THE DOCUMENT AS WELL AND REDACT ANY OF MY PERSONAL INFORMATION WITH THE EXCEPTION OF MY NAME, CITY AND STATE. thank you.
Product: Checking or savings account

I have an account with a venmo and I've been having continual problems with my account security I've asked venmo secure my account and any means that they can and I just can't seem to apparently either can't do it or don't want to do it. 
I've been having problems getting cards takes longer than a week to get a venmo card sometimes I've asked them to XXXX the card and we done it once for me I never did it again I'm only had a card for as long as 2 days and somebody's already hacked into my account I need my account secure and I've asked them to secure my account many times not only that they're not giving my funds back in a timely manner is saying it takes 10 days and I know most banks will do it in XXXX day. I don't know what they are doing and I've been trying to keep track as the money comes in they've said that they credited me my money but I've only seen it once and I really need to have this audited by somebody other than myself because they think that I'm lieing to them.. I do not trust this company and I find them very unreliable as far as giving back my money or give me a card quick enough so that I can able to use my funds. I need this address as quickly as possible and I'm complained continually about this company and if I have to take this to social media on XXXX on XXXX on XXXX XXXX XXXX whoever I have to do to get this company in line and they can secure my account. Can you please find some way to audit this credit cuz I don't believe that they've been crediting me like they say they have been. I don't believe it takes 10 days to get my money back even though I've been credited some things at times but I'm still waiting for {$500.00} credit just recently had a {$50.00} credit which I saw but I have yet to see my {$500.00} credit this happened about a week or XXXX ago and I see no point on what they're trying to do. I need this company audited by somebody other than myself but I don't think they're truthful They still have paid me back money stolen from me yet. Any bank immediately pays the money back. I want this company audited they are not being truthful about paying money back
Product: Credit reporting or other personal consumer reports

Dear XXXX CFPB ENFORCEMENT Since XXXX I paid on time the XXXX XXXX XXXX account XXXX fully paid in installment basis in XXXX XXXX XXXX did not reported my XXXX montly payment to XXXX credit bureaus- they said to these XXXX. institutions that they will fix it it ask of these day it was not reported, the one they reported is the XXXX XXXX  XXXX XXXX where XXXX asked me for {$3500.00} down payment in XXXX they said that my credit score was XXXX? cause and my XXXX  months lease in XXXX XXXX  XXXX account XXXX is not reported in there credit report and the XXXX XXXX XXXX XXXX Experian 's.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXXXXXX XXXX XXXXXXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 i sent equifax a letter to remove a fraudulent account they have the account reinvesgating for 4 months its now XX/XX/2020 havent heard anything so i tried to call them today too see whats going on NOBODY ANSWERED when i asked to speak to an agent it sent me straight to the survey to rate the agents conversation but i spoke too no one! This is really fustrating that i have to wait 4+ months which is a BIG violation  according to the FCRA.
Product: Checking or savings account

My friend, XXXX XXXX XXXX, passed away on XX/XX/year>. I was listed as beneficiary on his two Chase accounts, # XXXX and XXXX. An original death certificate was presented to the Chase Bank branch in XXXX XXXX, MI on XX/XX/year> and they were directed to close the account and forward in excess of {$330000.00} to me the confirmed beneficiary. I was told by the branch manager that there would be a 10 day hold placed on the account and then a check would be mail out to me. One month later, no check was received and I went into my local Chase branch on XXXX XXXX in XXXX, NV XXXX. I was told by the branch manager that some paperwork needed to be completed, which I did on the spot, and was told a check would go right out. Three weeks later and still no check, I went back to the branch and they told me a check was mailed 2 weeks prior, which I still did not receive. They tracked the check and informed me that it was XXXX to an undeliverable address. They told me that XXXX was holding the envelope for me at their warehouse and I drove in excess of 1 hour to collect it. The envelope was not there and was returned to the XXXX main warehouse. Even though Chase confirmed that it was not delivered, they insisted that I sign an affidavit that I had it received it. There was confusion about who was responsible to cancel the check and reissue its replacement. After going through several departments, the bank manager still had no idea when a new check would be isssued and recommended that I go through the account escalation department. 2 weeks later and having been bounced around between 3 account escalation managers, I was told again that they needed a form filled out, but no one knew which form. Ultimately the manager said it was rage affidavit that I already filled out, but this time they needed a Notarized one. Since they didnt have a Notary available until the following week, I picked up the form and had it notarized across the street at XXXX XXXX and immediately returned it. One week later and still no word on my money from Chase. They have had use of my money for almost 3 months and I believe that they need to pay me interest from their refusal to remit my funds. I have already closed my JP Morgan brokerage as as result of their incompetence, and perhaps their deliberate refusal to remit the funds they are currently charging others to use.
Product: Credit reporting or other personal consumer reports

Experian credit reporting agency 's shows XXXX fraudulent inquires AND ONE FRAUDULENT ACCOUNT, please remove all fraudulent inquiries AND ACCOUNT listed below XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation of Experians Inaccurate Reporting and Response Dear Consumer Financial Protection Bureau, I am writing to request your assistance in resolving a dispute regarding inaccurate information reported on my credit file by Experian. Despite filing a formal dispute with the CFPB on XX/XX/XXXX, Experian sent me a letter dated XX/XX/XXXX, stating that the account in question had been investigated, deemed correct, and would remain on my credit report. 

The account, which Experian lists as a repossession in XX/XX/XXXX and a charge-off in XX/XX/XXXX, contains the following inaccuracies : Repossession and Charge-Off Reporting : It is unclear and inaccurate for the account to be reported as both repossessed and charged off within such a short time frame. 
Failure to Issue Form 1099-C : I have not received a Form 1099-C for this account, which raises serious doubts about whether the debt has been properly verified as canceled or discharged.

This situation raises concerns regarding Experians compliance with the Fair Credit Reporting Act ( FCRA ), specifically : 1. 15 U.S. Code 1681 ( e ) - Compliance Procedures : Experian is obligated to ensure maximum possible accuracy of the information it reports. The discrepancies in how this account is reported, combined with the absence of a Form 1099-C, suggest that Experian has failed to meet this standard.

2. 15 U.S. Code 1681 ( i ) - Procedure in Case of Disputed Accuracy : Experian is required to conduct a reasonable investigation when a consumer disputes an account. Their response dated XX/XX/XXXX, does not adequately address the issues I raised, nor does it provide sufficient verification of the accuracy of the account. 

Despite my attempts to resolve this matter, Experian has failed to take appropriate action. The inaccurate reporting continues to harm my credit standing and financial well-being. 

I kindly request the CFPB to investigate Experians handling of this matter and require them to provide proper verification of this account or remove it from my credit report. Specifically, I request confirmation that the investigation was conducted in accordance with FCRA standards and that the accounts accuracy was properly substantiated. 

Enclosed, I have included : Copies of the XX/XX/XXXX, response from Experian Evidence of my original CFPB dispute filed on XX/XX/XXXX A copy of my credit report showing the inaccuracies Any additional supporting documentation Thank you for your assistance. Please feel free to contact me if further information is required. I look forward to your help in resolving this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Corrupt company. violates all sorts of laws. They filed lawsuit against me but I was never served. Thus they obtained defaulted judgement against me. Garnished my wages .I Filed claim of exemption. judge granted it due to low wages. They disregarded the court order and took 25 % of wages anyway. Then went through another county to do it and claim I switched employers which is not the case. A $ XXXX debt turned to $ XXXX the debt is over 13 years old now they renewd judgement. Help! May have to file bankruptcy. They damage everbody.
Product: Debt collection

I get dozens of calls from XXXX. I never pick up, they never leave a message. XXXX claims it is Kohls. I do not have a Kohls credit card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has solid my information on an old account from year XXXX that I personally closed myself in XXXX and they are improperly reporting negativity ( {$73.00} ) to my credit report which is not fair to my consumer report it is incrimination of my character an holding me back from opportunity I would like it deleted expeditiously, thank you
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Delete this account. 


3. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I have disputed the information from XXXX XXXX XXXX with XXXX, Equifax and XXXX several times. The credit reports are updated with inaccurate information in which XXXX, XXXX and Equifax has been made aware of on several occasions. When I asked to receive the information on how it was verified I don't receive anything. The latest dispute with XXXX was this year XXXX. Started disputing with XXXX in XXXX and they are also reporting transaction history in which the law states is illegal. Equifax they just notated the report saying, " Consumer disputes after resolution. '' I have sent XXXX XXXX XXXX and opt out letter there for they should not be providing non public personal information to any 3rd party. XXXX Equifax and XXXX are all 3rd parties. The privacy act of 1974 has been violated on so many levels. per 15 usc 6802 and 15 usc 6805 and 16.cfr. 313. 7 has been violated. It is also showing on the credit reports that the account is charged off. A charged off is considered a certificate of indebtedness which means it is income and income must be removed. The law also states it is illegal to report transaction history. despite me attempting for years with Equifax XXXX and XXXX about the information on the reports they have opted not resolve this.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXXXXXX Date of inquiry : XXXX Account name : XXXX XXXX  Date XXXX XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX  XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card not receiving statement for month of XXXX 2017, which was paid within the 30 days and they are showing 30 days late negative on my credit reports. I have always been on time with my payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have to dispute the information on my credit report that has been on there for years and to no avail nothing was done about it
Product: Debt collection

I called them telling them that I had been trying to get debt validation and they sent over printouts from when I attended the school the debt came from. I called them telling them that this does not show me how the amount is what it is. She said well thats all the University sent over. I said well you need to take it off my credit report if you are not going to send sufficient paperwork showing how this amount is owed because printouts of the work I did in the classes is not sufficient. She started yelling at me and cursing saying well the debt has been validated we aren't taking XXXX off your XXXX report then hung up the phone in my face. 
Ive been asking for this info for months and they only provided printouts of the work I submitted while I was at XXXX University but nothing validating debt. I do not owe any money to this school.
Product: Credit reporting or other personal consumer reports

I recently filed an identity theft report on charges and accounts appearing on my credit report. There are 3 accounts. " XXXX XXXX '' opened on XX/XX/XXXX with a {$7400.00} balance. " XXXX XXXX '' opened on XX/XX/XXXX with a {$0.00} balance. " XXXX XXXX '' opened on XX/XX/XXXX with a {$5000.00} balance. PLEASE NOTE : The " Date Discovered '' and " Date Fraud Began '' on identity theft are switched.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes reguarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate.
Product: Student loan

Sallie Mae is giving me the " run around '' when trying to get payment assistance. All departments transfer me to other departments, each stating that it is the previous department that can help. This cycle has happened 4 times that I have contacted sallie mae. The customer service center only offers a forbarance program which does not make affording the payments any easier. There was mention of a Rate Reduction program but each person I talked to referred me to another person who could " help '' all said it was another person. Again this happened 4 times. They have the absolute worst customer service. And are not willing to help at all.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, consumer and natural person, I am a victim of identity theft. I am writing to dispute the reappearance of an account on my credit report that had previously been deleted. Under FCRA Section 611 ( 15 U.S.C. 1681i ), I request that you reinvestigate this matter, as the reappearance of this account suggests a potential error. Under FCRA Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or incomplete information on my credit report. The reappearance of this account after it was previously removed constitutes an error, and I demand that it be deleted immediately. Transunion and XXXX, have used and furnished my consumer report without my authorization consent or written instruction. My information was share to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which XXXX and Transunion have violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentially of my personal information. The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with falmess, and respect to the consumer right to privacy! 
Under the Gramm Leach Billey Act of 1999. I enclosed all documents social, ID, proof of account deletion and statement.