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

Equifax never fix an error/inaccurate information that I'm disputing on my credit report account. They keep sending me letters back after my dispute stating its been verified. How was it verified? Who verified it? Do you have a contract in writing with my signature on it? I ask the question all the time, and I never receive a straight answer or any proof back. Equifax is committing a CRIME. They falsified my address disputes and never deleted the address. I have sent them proof of address which was my electric bill. I received my investigation letter back on XX/XX/XXXX and they still didn't delete or verified anything. They would send me a copy of the investigation with deletions. I'll go check my report and there still there ... .never deleted. Then they added a wrong address on my report, which I never ask them to do. I've been disputing my inaccurate addresses, inquires, and accounts XXXX XXXX inaccurate, XXXX XXXX XXXX inaccurate, and XXXX never was 30 days late. I disputed accounts on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and it seems as though nothing is getting done. Under the Fair Credit Reporting Act the credit bureaus must prove that the accounts are mine. They have not proven anything since I've been disputing, and I've been disputing for over 3 months. They are committing a CRIME and I'm going to seek justice. I've tried reaching out to them but nothings getting done.
Product: Credit reporting or other personal consumer reports

I value the efforts already made to address some inaccuracies in my file resulting from incorrect reporting on my credit report. However, there remain several inquiries and an inaccurate address that require removal. After reviewing my credit report, I noticed persistent inaccuracies that I find problematic. Upon contacting the companies listed below, I requested the removal of these inquiries from their records and the deletion of any associated records with credit reporting agencies. They have assured compliance with my request and the necessary steps for resolution. Nonetheless, I am reaching out to ensure these corrections are fully implemented. The list below details the outstanding inquiries and the inaccurate address that need to be excised from my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX As a forthcoming mortgage applicant, I am keen to ensure my credit score accurately reflects my creditworthiness. Enclosed with this communication is my updated FTC report, numbered XXXX. I request a comprehensive report on your findings within the next 30 days, anticipating prompt resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help. 
THIS ACCOUNT APPEARS ON MY CREDIT PROFILE TWICE! I've reached out multiple times but haven't received any correspondence.
Product: Money transfer, virtual currency, or money service

On XXXX  my Venmo account and my Teens Venmo account were simultaneously suspended after we were having trouble signing into the app. I had {$30.00} of XXXX that I was selling, which they are now holding the funds for selling. More importantly, my teen also had {$60.00} of funds in the balance, which are now completely locked and unable to withdraw. Venmo is refusing to release all of the funds and is completely locking them. Nobody in our family has any interest in Venmo or anything of the sorts now and plans switching to a similar app that is more like a traditional bank, so we do not care about the accounts being unsuspended for whatever we supposedly did, but locking our funds is unjust. We want to pursue legal action if it is not handled quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian placed inquiries that do not belong to me on my consumer profile. 
please remove immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XXXX  XX/XX/year>23 XXXX XX/XX/year>23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number XXXX : ( Private SSN ), 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 EQUIFAX 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 under the XXXX XXXX  XXXX account number ( XXXX ), account opened XXXX under the account number XXXX ( private ), 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 accountsnd hard appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and are the result of identity theft and fraud.
Product: Credit card or prepaid card

XXXX. ) Submitted a specific dispute disputing a portion of a charge by a merchant. 
XXXX. ) The dispute contained the name of the cashier, and the items in dispute. 
XXXX. ) The dispute specifically, advised that the items were crushed/damaged by the cashier. 
XXXX. ) The merchant provided a tacky photocopy of a return/refund policy, however, it of course, fails to address refunds for products damaged while cashier is packing the groceries. 

XX/XX/XXXX Capital One Disputes VIA FACSIMILE- XXXX Case Number : XXXX Merchant : XXXX XXXX Date of Transaction : XX/XX/XXXX Disputed Amount : {$26.00} Dear Sir or Madam : Please be advised that XXXX continue to dispute the above referenced case number, neither myself or anyone else authorized by me has signed for nor received the merchandise included in my original dispute. Merchant provided a tacky photocopy of a return/refund policy. However, the policy fails to advise as to how they handle refunds for products damaged while the untrained cashier packs the groceries. 

As mentioned in the original complaint, the cashier XXXX attempted to pack numerous items in one bag causing damage to a sandwich, doughnut container and yogurt parfait cups. Therefore, liability for this action rests in the hands of the merchant and not the customer.
Product: Credit card

In accordance with the Fair Reporting Credit Reporting Act, FCRA, this creditor has violated my rights under XXXX XXXX Section XXXX states I have the right to privacy. Section XXXX, it also states a consumer reporting agency can not furnish an account without written instructions under XXXX XXXX, a creditor can not treat a payment on a credit card account under an open end consumer credit account as late for any purpose. 

I want any and all derogatory remarks on my consumer credit report removed immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a fraudulent email that appeared to be from my insurance agent requesting the legitimate premium balance of {$8400.00} but had fraudulent wire instructions. The instructions were to wire these funds to Golden 1 Credit Union ( Routing Number : XXXX ) to the account of XXXX XXXX ( Account Number : XXXX ) which I did. I later learned that the insurance company never received the funds and discovered the fraud. My bank ( XXXX XXXX ) attempted to retrieve the wired funds from Golden 1 Credit Union but was informed that there were insufficient funds in XXXX XXXX 's account. 

XXXX XXXX, an account holder at Golden 1 Credit Union, is perpetrating federal wire fraud through his account at that institution.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have contact  National Credit  Systems on several occasions in regards to comments on all  XXXX  of my credit files that I want removed. After being told several times that someone would call me back I finally spoke with  XXXX   XXXX  at ext  XXXX  today,   XX/XX/XXXX     who put her  XXXX   XXXX   XXXX , who identified herself as a supervisor. When I explained to her that I have asked all  XXXX  credit bureaus to remove the comments " consumer disputes this information '' from my file since I am no longer disputing this debt and they informed me that every time they remove the comments  National Credit Systems  add the comments back on.  XXXX   XXXX   XXXX  informed me that the only way the would remove the comments is if I paid the debt. I told her I was no longer disputing it and want the comments removed, she again repeated that the only way they would remove the comments is if I paid the debt right now and did I have a credit card handy. I told her I was not paying this debt, but am no longer disputing it. That I 'm trying to obtain a mortgage and need the comments removed and since I was the one the initiated the dispute and am no longer disputing it, I am requesting that they stop put the comments back on when I have them removed, she told me that this is n't going to happen, and again the only way they would remove the comments is if I paid this debt in full right no.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have reached to XXXX XXXX where I dont expect too much from you now because you continued to report this fraudulent information in my file though I have sent over the documents needed to justify my concern about being an identity theft victim. I dont believe that you there at Experian have no time to tackle or review my complaints and Im sure you have seen my XXXX XXXX XXXX XXXX Ive XXXX. So my question again is, why are you letting my complaint pass? Dont you know you have caused me so much stress since youre still reporting this damaging record on my credit file? I talked to the companies and they told me they approved of deleting the accounts from my file. Common! Be responsible and abide by the FCRA XXXX! 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit card

On XX/XX/XXXX, I filed a Wells Fargo Visa credit card fraud claim for a {$250.00} charge made by " XXXX XXXX XXXX '' on XX/XX/23. I did not make that charge, and the credit card had been in my possession with no other fraud charges appearing on my bill. On XX/XX/XXXX, Wells Fargo denied my claim saying no fraud. XX/XX/XXXX I requested reconsideration and evidence of the transaction as I am absolutely sure that was never my charge. On XX/XX/XXXX, Wells Fargo provided a printout saying that my card was used at a retail location ( with no address ) using the tap feature, and since card had been in my possession, transaction was valid. After this I researched further via internet, the merchant does not actually exist in a retail location shown on the printout, nor does the merchant have a website. I called back Wells to say it would be impossible for my card to be used at a retail location for a store that does not exist, and that there is a fraud merchant involved here. On XX/XX/XXXX, Wells denied the claim again saying I am responsible. This does not make any sense as I have no history of making false fraud claims, nor any other fraud charges on my card and as soon as I saw the charge and filed the claim, the credit card number was changed to prevent any further problem. I am the victim of some sort of sophisticated merchant fraud that Wells is refusing to investigate further. I paid the $ due to prevent interest and delinquency, but I need my $ back as this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized inquiries on my Transunion consumer report. I've reached out to Transunion regarding this matter with no resolve. My consumer right have been violated.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the EQUIFAX 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 collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( private case number ) 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 card or prepaid card

I had ( 2 ) open credit card accounts with Fortiva. Each card has incurred a monthly service charge and once a year an annual fee. I originally applied to these credit cards in an effort to build my credit and to show more available credit as eventually I would like to buy a home. 

I have used the credit cards minimally, have always paid monthly balances on time, and as mentioned above, even without charging pay the monthly service charge and an annual fee. 

I received emails yesterday informing me that because I have not used my cards in a while, that they are closing them. When I spoke to customer service this morning they informed me that not only could I not have them reopened, and that they would be reporting to the credit bureau as a " negative '' that these accounts were closed. 

I have several credit cards, and none have ever penalized me for " inactivity '' and reported negatively to the credit bureaus. 

I feel like I have been penalized for exhibiting responsible credit behavior by Fortiva and their emails informing me they closed my accounts occurred on the same day that the Federal Reserve raised interest rates. Between both accounts, I paid close to {$23.00} a month in service charges and annual fees just to show the available credit. I planned to close the accounts once I was able to purchase a home. 

It seems to me that I have been ripped off by this company month after month and that now it's going to affect me negatively on my credit reports.
Product: Vehicle loan or lease

We got a car loan from ally bank and now I have issues with my credit due to late payments and a repossession because of ally .we made our payments sometimes weekly or payment plans but would get letters saying it was going to be repossessed due to non payment and multiple times the payments we made towards our monthly payment was applied to the interest payment so we would be behind on our car payment .we also had my car repossessed without warning .almost ever phone call we made to ally we had to speak to a manager .they were the rudest company er have ever dealt with and they never had any of the previous calls on file that we complained about. Now our credit report has missed payment history due to ally financial
Product: Credit reporting, credit repair services, or other personal consumer reports

This is yet another complaint against Toyota Motor Credit ( TMC ) for my TMC account # XXXX ( Joint account and I am the primary account holder ). TMC keeps reporting this joint account to all XXXX CRAs as a CHARGE OFF when it IS NOT. TMC lost the payment I made back on XX/XX/2017 and it took them months to locate the payment and apply it to the correct account. And in the meantime TMC reports my account as a CHARGE-OFF and it is not. Me and my cosigner have been going through this issue since XX/XX/2017 to no avail. TMC removes the charge-off when I call or file a complaint, and the next month the charge-off marker is back on my credit report thus affecting my excellent credit standing by 90-95 points drop in score. 

This is crazy and unacceptable. How much more time do I spend on this issue? How many complaints do I need to file to get this information corrected permanently? How is TMC going to reimburse me for my countless hours wasted on phone calls and being transferred from one TMC and credit bureau representative and department to another, being put on hold for hours, explaining everything all over again to tens of different representatives in different departments? How much longer ... ..??? Seems like they don't know what they are doing and how ... This is sickening, this is a violation of my FCRA consumer rights. Who is accountable for this?
Product: Credit reporting or other personal consumer reports

I spoke with manager XXXX not sure of the last name. 
I first requested a 1099 form i was advised to request online. 
I then requested an original contract & agreement my question was never answered, i kept being ignored before XXXX hung up on me 3x. 

Company is refusing to send me and documents associated with me, my account, name, securities etc.
Product: Checking or savings account

The Consumer Finance Protection Bureau colludes with member banks of the Federal Reserve system to ensure that the member banks always prevail with any complaint made to the CFPB, no matter how egregious the violation of the member bank. In previous complaints, I asked the CFPB to investigate the serious regulatory abuses against me by Bank of America. Bank of America did not follow the regulations set down by the Federal Reserve Bank. The CFPB ignored this fact. The CFPB did absolutely nothing except to act as a holding website for emails. Who is in charge of regulating the CFPB? The Federal Reserve Bank. Consumers need to be aware that as far as banking regulations are concerned, there is no remedy for violations committed by member banks against consumers.