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

DISPUTED XXXX XXXX THE ACCOUNT WAS DISPUTED AND REMOVED FROM CREDIT REPORT AND IT WAS PUT BACK ON THATS ILLEGAL I WANT THIS TAKEN OFF MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported that my name was at risk during their recent security breach. I was told that I need a police report to get a long term security freeze on my records. My local police department requests a letter from Equifax stating breach affected me. I have contacted equifax multiple times and have been told to sign up for a free year identity monitoring. They said that they can not help me with anything else and sent me to a website for any more information. My 90 day freeze that I had to pay {$10.00} to three credit bureaus is over. I do n't want to have to keep paying because when once the report is filed I would get 7 yrs for free.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 their were a hard inquiry placed on my TransUnion Report. By XXXX for credit card without my authorization. My personal information was part of XXXX XXXX and in the hand of scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute concerning a student loan that has been discharged by the department of education. I have a letter to prove it as well. I have sent this letter to them multiple times through email and physically mailing and they have yet to resolve this issue. This has been ongoing since XXXX of this year. They re-investigated the dispute and all I keep getting is " updated ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed a dispute in regard to the incorrect items on my credit report... it has been well over 30 days and i have not received any investigation results
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX2018 I had obtained a copy of my Experian credit report and noticed several inaccuracies listed in my credit file. I informed them of the inaccuracies by disputing them & til this day Experian is still reporting those inaccuracies as verified, how they be verified if the accounts have different status dates & different dates of last activity. This has been an ongoing issue because the accounts still remain listed in my credit file with Experian which is hurting my credit profile. 

The accounts that I have an issue with are as listed below : XXXX XXXX ACCT # : XXXX AMOUNT : {$1000.00} XXXX ACCT # : XXXX AMOUNT : {$190.00} XXXX ACCT # : XXXX AMOUNT : {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had any contracts with USAA nor XXXX XXXX and clarity service, XXXX  and XXXX  continuously reports these account which are had by identity theft and fraud.
Product: Credit card or prepaid card

The denial of my credit application on the XX/XX/2023 used several decisive factors as a basis for denying me access to my own credit. This is a violation of 15 U.S. Code ss 1611. The basis for denial are listed below for Capital One : Based on your credit report from one or more of the agencies on the back of this letter, there have been too many recent inquirie Based on your credit report from one or more of the agencies on the back of this letter, revolving account balance ( s ) are too high in relation to credit score Based on your credit report from one or more of the agencies on the back of this letter, balance owed on delinquent past or present credit obligation ( s ) is too high Based on your credit report from one or more of the agencies on the back of this letter, there are too many missed minimum payments on credit cards in recent history The information is not only inaccurate, but has no legally-valid basis for consideration in a making a credit approval decision. 

Under 15 U.S. Code 1681, Capital One has engaged in adverse action by unlawfully denying me access to a line of credit. 

A letter detailing these violations has been mailed to Capital One and XXXX XXXX XXXX on XX/XX/2023 to correct these errors.
Product: Checking or savings account

American Express National Bank closed my account XX/XX/21 and refuses tell me why or disburse my funds to me. I have contacted them over XXXX times and even had a lawyer contact them. I have provided all forms of official documents to confirm my identity. Their failure to provide my funds has caused my grave financial harm including losing my home. See attachment for full text. I have reached out and have even had my lawyer reach out I have been told that my account was closed and that I needed to send emails to XXXX to have everything release this is fraudulent my husband has verification that he had sent the {$250.00} allotment to that bank account several times and it went through my account was Closed when I received a loan in the amount of {$14000.00} in my name! my money was stolen from this bank! please present the bank statements from the month and weeks prior so that it can be verified that you all allowed the deposits prior and when I received my loan you stole money and are using the {$250.00} as an excuse. it is know that the representatives hang up on customers. I have phone call time proof, I have documented everything I even have the trace number on the loan that this bank embezzled. I have proof and I am willing to present everything. I have the emails with the dates that I am still receiving, I have all of the information available. hung up on my lawyer several times as well its all documented, I have the text messages below with him stating on the dates it has happened. this bank is stealing money from its customers.i am attaching the files as well as their statement they've responded to within the other complaint they made as well as the fact that XXXX is stating they NEVER had anything to do with my Bank account, below to verify that this bank has lied as well as the recent fraud protection text messages ive received. There is nothing in the XXXX that explains why this has happened. I have even attached the XXXX policy to this case
Product: Debt collection

I sent a dispute letter to Convergent Outsourcing ( creditor ) on XX/XX/2018. This letter stated that the information they provided was incorrect and the negative mark on my credit report was being falsely reported by them. I also asked in this letter for them to provide me with evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them. 
A little over a week later, they responded with their " evidence '' and it was insufficient. The address that they had listed on the account was an address that I have never occupied. 
So, after receiving their letter I sent them a second letter on XX/XX/2018. This letter let them know that the information they are reporting is inaccurate and they have failed to show any alleged contract or instrument bearing my signature. I asked them once again to please show me any viable evidence that this account is being reported accurately, it has been over 31 days and I have not received a response.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX IncorrecXXXX XXXX XXXX - 1996 Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

I've discovered fraudulent inquiries on my credit report and seek your help toremove them. I haven't engaged in any transactions related to these unauthorizedinquiries and am unsure how they occurred. XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a checking account with XXXX in Colorado that was opened XX/XX/XXXX. In XX/XX/XXXX, I relocated to XXXX, WA for employment. During the move, a deposit from a former employer was returned and overdrew the account unbeknown to me. It was not until XX/XX/XXXX that I found out when it showed up on my credit report. I immediately paid the balance in full. 

XXXX reported this as a " Line of Credit '' " paid charge off '' account. This was never a line of credit. Later on XX/XX/XXXX, they changed it to " included in bankruptcy. '' It was never involved in a bankruptcy. 

In trying to work with XXXX, XXXX XXXX, I have been unsuccessful in resolving this issue. This was a checking account. Not a line of credit as being reported. Never at any time was an application filled out for a line of credit. 

This should be removed from my credit bureau.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting a bankruptcy on my account. I have spoken with them several times in regards to the incorrect information. They are the only credit bureau reporting this incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified letters were mailed to XXXX XXXX and XXXX XXXX XXXX on XX/XX/2020 to validate or provide proof of the debt.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I trust this letter finds you well. On XX/XX/XXXX CERT MAIL ( XXXX ), I submitted a dispute to Equifax regarding unauthorized accounts and information on my credit file. Despite Equifax initiating an investigation, as indicated by updated remarks on my account, the necessary actions, including the deletion of disputed accounts, have not been taken. 

In addition, I filed an identity theft report and claim with Equifax on XX/XX/XXXX, accompanied by a completed Identity Theft Affidavit. Under FCRA Section 605B, bureaus are mandated to complete identity theft investigations within 5 business days and promptly remove fraudulent items. Unfortunately, Equifax has not met these legal requirements. 

Furthermore, I wish to highlight concerns related to privacy under GLBA Section 502. I was not given the opportunity to opt-out, and there has been no communication from Equifax regarding the process of opting out. This lack of transparency and choice is a violation of consumer privacy rights under GLBA.

While I understand that detailed steps of the investigation may not be disclosed, I urge the CFPB to thoroughly investigate and compel Equifax 's immediate correction of these matters, including the deletion of unauthorized personal details, as mandated by law. 

Your commitment to enforcing consumers ' rights, including privacy under GLBA, is crucial, and I am available to provide any necessary support for your inquiry. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 
I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Grain Technology Account # XXXX XXXX XXXX XXXX has violated a my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for 98. % purpose.
Product: Credit reporting or other personal consumer reports

I was charged for 2 semesters. I was only enrolled for one semester and transferred to another school before second semester start in XXXX, Texas where I completed XXXX XXXX
Product: Checking or savings account

I was charged {$890.00} fraudulently by XXXX XXXX XXXX XXXX XXXX XXXX  ) via my Chime Account. I was told I would get a refund that didnt happen. Then I was told a month ago to wait 10 days for a provisional credit and that didnt happen. I spoke to a Supervisor and they said to wait again until XX/XX/29 another 10 days and that didnt happen. I spoke to another Supervisor on XX/XX/29 and they said wait until Monday, today. That didnt happen again. I want my money that was stolen out of my account.
Product: Debt collection

I filed a complaint with you. I asked LVN funding/Resurgent not to communicate with me and I received a letter after filing this complaint and Resurgent responded to my request. I received a letter in the mail around XX/XX/year> trying to collect a debt that I do not owe them. I never signed any legal documents with this company. I again ask that you removed the items from all XXXX credit bureaus. I have asked them to cease all communication with me and to delete this collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company keeps reporting 99 days late with a loan from XXXX. I am not late and the accounts are paid in full. I disputed the information on the report and they still keep reporting false information. I have proof the accounts are paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have written to XXXX, XXXX and Experian 3 times in regards to XXXX XXXX XXXX ( as well as several other issues on my credit report ). XXXX   took over 2 months to reply. Have not received much communication from XXXX nor Experian. IN regards to XXXX XXXX above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN XXXX AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Product: Credit card

My annual income and house payment or rent amount were requested by Discover card. My concerns about privacy and identity theft lead me to believe that this information should not be requested by credit cards. Verification of employment would make sense when applying for a card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have XXXX accounts and 4 hard inquiries that are fraudulent, unauthorized, lost, stolen, and not mine. The following accounts and hard inquiries are not mine : XXXX XXXX/XXXX/XXXX, {$3.00}, XXXX XXXX DC, XXXX/XXXX/XXXX, {$380.00}, XXXX XXXXXXXX XXXX, XXXX Consumer affairs, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX
Product: Debt collection

Received a call from a Process Server, trying to serve me papers for a law suit being filed against me. 
They referred me to XXXX XXXX XXXX, in which told me that I was being sued by US Bank for a Debt from XXXX, that was filed/ discharged on XXXX Bankruptcy. When trying to inform the agent on the phone, he said it didn't matter, they would see me in court, that I am being sued.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items, which only two are required per law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after you investigation.I would like this item immediately re-investigate.the inaccuracies are highly injurious to my.credit score and report.account name world XXXX XXXX XXXX account number XXXX In accordance with the fair credit Reporting Act, public, law 91-506, title VI, section 611, subsection AD, Please provide the name, and business address of each individual with whom you verified the follow up .Please send me an updated copy of my credit report after you reinvestigation
Product: Checking or savings account

I have opened a business checking account with Chase for XXXX XXXX XXXX XXXX, an XXXXXXXX XXXX. In the morning time, a confirmation was provided the account was open and functional. After logging into the account with the established login credentials, I created a wiring instruction sheet and forwarded it to a client for whom XXXX XXXX XXXX is building a home. That client scheduled a wire transaction to this account for {$180000.00} to transact the following morning. Around XXXX XXXX central I received an email from Chase Bank that the account was restricted and on hold, unable to perform standard transactions. I immediately called in and spoke with several associates with Chase Bank. After a discussion of federal regulatory complaints I was transferred to " XXXX XXXX XXXX XXXX XXXX XXXX ' ''. She quickly explained she could not provide any information for the decision to grant the account and 12 hours later closing the account. She further explained that she could not provide any additional assistance. Due to the extreme circumstances of a client scheduling a large wire the following morning I am filing this complaint. My calls are recorded regarding this matter.
Product: Debt collection

The collectors have failed to prove that I owe this debt. They have not provided me with any verification that the debt belongs to me.
Product: Debt collection

Disputed Item : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$1100.00} Date Opened : XX/XX/XXXX Reason for Dispute : Challenging this as a fraudulent transaction and a potential violation of XXXX privacy rules. 
Requested Action : Delete this item from my credit report. 
Disputed Item : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$1700.00} Date Opened : XX/XX/XXXX Reason for Dispute : Challenging this as a fraudulent transaction and a potential violation of XXXX privacy rules. 
Requested Action : Delete this item from my credit report. 
Disputed Item : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$1700.00} Date Opened : XX/XX/XXXX Reason for Dispute : Challenging this as a fraudulent transaction and a potential violation of XXXX privacy rules. 
Requested Action : Delete this item from my credit report.
Product: Credit card or prepaid card

Barclay bank has done nothing to fix the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

So I had this account and when i cancled they stilled charged me. so i ignored them which didnt work in my favor ; they reported to my credit. the company at the time was XXXX XXXX XXXX who contacted me and offered a settlement in XXXX which I Paid off. since then it has been sold to other agency 's that are still reporting unpaid. when I contact AWA they cant provide documentation of this account and are very rude on the phone. Now this account has been paid for XXXX years now and would appreciate if they would report as such and stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Do to these false accounts, I have no chance of acquiring new credit. Please conduct a re- investigation into this matter and have those derogatory accounts removed off my credit file.