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

I am disputing the inaccurate and unlawful reporting of a non-existent child support account by Experian and other credit bureaus, which claims to originate from Indiana XXXX XXXX Child Support Services. The account details include a balance of {$52000.00} and a past-due amount of {$52000.00}. However, I have verified through investigation that no such account exists in the records of XXXX XXXX Child Support Services, and there is no open child support case associated with me. 

Despite multiple disputes raised with the credit bureaus, they have failed to conduct a proper investigation or provide evidence to support the accuracy of this account. Instead, they continue to report this account, causing severe damage to my creditworthiness, financial stability, and ability to provide for my children. 
Key Violations : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of the information reported.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a proper and reasonable investigation of disputed information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Failure of the data furnisher to provide accurate or verifiable information.

15 U.S.C. 1681c : Reporting outdated, incomplete, or unverifiable information.

Consumer Harm : The reporting of this fictitious account has caused significant harm, including denial of credit opportunities and emotional distress, while undermining my ability to provide for my family.

Resolution Sought : I am requesting the CFPB to : Investigate the reporting practices of Experian and other credit bureaus in this matter.

Ensure the immediate deletion of this non-existent account from all credit reports. 
Require credit bureaus to provide a full explanation of their investigation process and compliance with FCRA. 
Hold the data furnisher ( XXXX XXXX Child Support Services ) accountable for providing false or inaccurate information, if applicable.
Product: Checking or savings account

I previously had an issue with eagle for which employee XXXX XXXX Was able to fix and provided me a courtesy adj on my rate. 
Recently I encountered more issues I communicated to employee XXXX XXXX she said she Ill take care of it and find out regarding a interest increased due to the issue. I have been waiting and it has not happened, even after I reached out to the rep. Im requesting for the increase of my current interest rate for the issues encountered that should have been documented. If you need detail of what happened Ill be happy to provide via call or email.
Product: Credit reporting or other personal consumer reports

Tried to do fraud alert, tried to correct mistakes, and remove incorrect info such as emails, phone numbers ect. 
Victim of XXXX
Product: Credit card

On XX/XX/2023, I requested a balance transfer cash offer to my personal checking of XXXX dollars. I was told that I was approved and that the moneys will be deposited in my account in 5-7 business days. I was also giving a confirmation number XXXX from Barclays Old Navy customer service representative. After serval days of waiting for the money to be deposited into my account I gave the credit card company a call to see why the money was not there yet and they stated that they tried to call me to verify that it wasnt fraud. I never received a call, email of voicemail from this company. I called to validate my identity to let the company know that it was me honoring the transaction again and I was told the promotional transfer to my personal checking was no longer available and that I can only do promotional balance transfer to another credit card. I still have 29-30 days left for these offers to be granted to my account. I dont understand why Barclays took the offer off the table if my identity was cleared. Im very upset at this matter and would like to get this issue resolved.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered an unauthorized and fraudulent inquiry that does not belong to me. 
It's concerning that Experian did not verify this inquiry as required by law : XXXX XXXX - XX/XX/2023 XXXX
Product: Checking or savings account

On XX/XX/year>, the funds from a check I deposited earlier were released. However, the check bounced later on. I was not informed about the possibility of it bouncing or provided with any cautions regarding the deposit. This was my first time depositing a check as a college student, and I believe Chase should have been more attentive. I called them at least twice before the funds were released, but they didn't warn me about anything at all, and now my account is overdrawn. 

Another issue is with a {$2000.00} XXXX transfer on the Chase mobile app, which turned out to be fraudulent, even though I made the transfer. Chase and XXXX were uncooperative when I reached out to the police for an investigation. I also requested a refund from the recipient 's XXXX account, but later found out that they blocked me. I am sure a real person is using the account, and it is still active.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I'm reaching out to request that you investigate a credit file that continues to linger on my credit report with Experian and XXXX report. I have filed numerous disputes directly with credit reporting companies to remove XXXX, XXXX from my credit report/file. XXXX continually fails to provide sufficient documentation that I owe them the amount they claim. In addition, XXXX can't furnish proof that this is my account and continuously report on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), the action taken by XXXX XXXX, Experian, and XXXX violates my consumer rights because the companies fail to provide proof or documentation that this is my account. I have provided sufficient evidence that this is not my account and filed multiple disputes directly with Experian and XXXX. I am also in the process of filing a complaint with the Texas Attorney General 's Office. I have supplied proof of final payment and emails stating that I paid my last month 's rent on XX/XX/2021. I've attached proof of payment. 

Please advise because I am tired of being hassled by XXXX XXXX at XXXX, who has restricted anyone within the company from taking my calls and addressing my concern or filing disputes with the company. I have good credit, and this shouldn't be on my credit. 

Thanks in advance for your consideration and understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the Experian and XXXX credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

This is an Identity Theft, Fraud, Forgery, mail theft case filed and documented by the FEDERAL TRADE COMMISSION, POLICE AND POSTAL INSPECTOR. On XX/XX/19 I received a call at aprox XXXX am from XXXX at Bank of America. XXXX asked if i was me ( my name ) I stated yes. She asked if I had opened 2 bank accounts online. I stated absolutely not! XXXX proceeded to tell me 2 joint bank accounts were opened online on XX/XX/19 using my name and a person named XXXX XXXX. told her this is fraud, Identity theft and shut this down now. I also told her I do not nor have I ever known any person by this name. She transferred me to the fraud department I spoke with a person by the name of XXXX she stated a pre printed with my name and information solicitation type loan offer check from XXXX XXXX company was deposited into these fraudulent account via an ATM machine. I told her to shut this down it is fraud and identity theft. She stated 2 debit cards were ordered sxpress to my address. I immediately went home to my postal box and discovered via the United states post office there had been neighborhood wide vandalisum, mail theft, master key theft .... Immediately filed with the federal trade commission, police, postal inspector and sent Bank of America all reports and a letter to SHUT DOWN any accounts in my name!!! They continued to leave these accounts open. they continued to allow this fraud and identity theft, continued to send me mailings of these fraudulent account and stolen check forgery, fraud identity theft! they opened this fraudulent account with no Identification of mine, allowed identity thieves to deposit a stolen forged check into an ATM Machine with no identification! check states clearly 2 FORMS OF ID REQUIRED! signature is not mine, email is not mine, phone number not mine, birthdate not mine! 15 calls to BANK OF AMERICA and i still do not have a letter clearing this account and stolen mail check fraud! they should be shut down once and for all.
Product: Credit reporting or other personal consumer reports

I realized that this account was opened as a result of an Identity Theft in XXXX of XXXX, someone stole my phone, my identity and used a voice recognition device to record my voice along with hacking my bank accounts and making payments on this account like it was theirs. I DO NOT have telephone access at this moment to contact anyone via phone, I have been homeless for almost 18 months, sleeping in shelters, motels with vouchers, I sometimes squat in vacant places for a hot shower and a meal. I also have been without a vehicle in which I lived in until my vehicle was repossessed and I have not held a full-time job or even a part time job since XXXX of XXXX. I have NOT BEEN ABLE TO GET APPROVED FOR HOUSING DUE TO THIS BEING ON MY CREDIT AND GOVERNMENT HOUSING IS ON A YEAR OR LONGER WAITING LIST!!!! PLEASE REMOVE THIS ACCOUNT EXPEDITIOUSLY OR PAY {XXXX IMMEDIATELY!!! THEY STILL CONTINUE TO LIE ABOUT EVERYTHING AND DISHONOR MY REQUESTS REGARDLESS OF WHAT DOCUMENTATION I SEND!!! I AM SICK THEIR FAKE APOLOGIES PRETENDING TO CARE WHEN THEY DO NOT!!!! I HAVE NOT BEEN ABLE TO WORK A FULL-TIME JOB DUE TO THIS STRESSFUL SITUATION AND I HAVE NO FAMILY OR ANYONE TO HELP ME!!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! I HAVE LIVING ON THE STREETS, MOTELS WITH VOUCHERS AND SHELTERS UPON AVAILABILITY!!!! DESPITE MY LIMITATIONS, I WANT TO LIVE A NORMAL LIFE AND NOT BE ON XXXX XXXX, HAVE DECENT CREDIT, A HOME, A JOB AND A FAMILY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received several calls about accounts that do not belong to me. I even received a few things in the mail. My personal information has been misplaced since i moved and now i am finding all of this information the first time i try to use my credit. I have not used credit before and i am learning more about it. I have several accounts on my credit report that are not mine in addition to the ones listed Creditor : XXXX acct # XXXX Amount XXXX Creditor : XXXX XXXX XXXX XXXX Acct # XXXX Amount : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Personal Information is also fraud /incorrect incorrect names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ar XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE THE FOLLOWING UNKNOWN HARD INQUIRIES OFF ALL MY REPORTS. NOT DONE BY ME. I HAVE ATTACHED THE IDENTITY THEFT REPORT BELOW. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXXXX/XX/XXXX {$410.0XXXX XXXX XXXX XXXXXX/XX/XXXX {$330.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These credit accounts, collections are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally sent XXXX a complaint about unverified items in my credit report, and they failed to respond within 30 days on 2 separate occasions. Please see the attached letters for details. I have sent the company 3 separate letters and I am under the impression that as of the date of the last letter that I sent out, The 3rd letter was sent on XX/XX/XXXX. 

Before that date, the other 2 letters were sent on XX/XX/XXXX and XX/XX/XXXX. XXXX did send a card back saying that they received my complaint on XX/XX/XXXX, but they provided zero communication that an investigation was taking place regarding these inaccurate, unverified negative remarks in my credit report. 

I had similar issues with Equifax and XXXX as well, which I will share in attached files. For instance, Equifax originally removed an item that I disputed, and then they re added it ( See Figure XXXX in XXXX ). in a window of time greater than 5 days in violation of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii )
Product: Credit card

Bank of America Credit Card XXXX The creditor 's fail to accurately reflect multiple payments made by me. It's to my knowledge that the creditor failed to furnish me with a statement prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error-therefore I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : paid as agreed. 
I reached out to the consumer and made them aware of my identity theft, but the creditor took no action.
Product: Credit card

American Express offered me XXXX member rewards points, XXXX points after my first {$5000.00} in spend and another XXXX points after my next {$5000.00}. I met both of the spend requirements and received those points, however now, american express has put my account in a review process and frozen all of my points, which include XXXX points that I had prior to this deal and the XXXX points that I just received. I have called and spoke with them to ask them to unlock my previous points ( XXXX ) and make them available for me to use because I need to use them on a flight coming up in 5 weeks, however all American Express keeps telling me is that my account is frozen until the review is complete which could take 6-8 weeks, which will cause me to miss my trip and other issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

LCI is reporting that the bankruptcy court furnished them with information from US Bankruptcy court of New Hampshire. I received a letter from that court stating they do not supply information to credit reporting agencies. I also contacted pacer who says the same that they do not verify or supply any information to these agencies. I also have the right to privacy as stated in Fair Credit Reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had noticed that someone had been using my information and had been making unauthorized hard inquiries by fraud and here is the list 1. Citi Bank XXXX and XXXX 2. XXXX XXXX XXXX and XXXX 3.XXXX XXXX XXXX XXXX 4XXXX XXXX
Product: Credit reporting or other personal consumer reports

Kikoff is a credit builder that is reporting a late payment on my credit report although I was sick and in the XXXX. This is hurting my ability to live and take care of my family.
Product: Student loan

This is the second time I 'm contacting your organization with regards to my private student loans through HESAA ( New Jersey loan agency ). I 'm concerned about my amortization schedule. To my approximation, I 've made about {$76000.00} in payments over the last 4.5 years towards my principal balance ( based on monthly payment schedule ), yet the balance has only decreased by about {$6000.00} in the same time period. I 'm concerned they are not applying the proper amount to the principal balance and applying it primarily to the interest. With this lopsided allocation of interest over principal, I am not sure how the loan will be paid according to the terms of the agreement.
Product: Credit card

The overwhelming XXXXXXXX XXXX XXXX disturbances resulting from this issue are exacerbated by the fact that I have diligently adhered to payment deadlines for this account. It's frustrating to encounter problems for actions I haven't undertaken. I earnestly implore you to swiftly resolve this issue, ensuring that my account accurately reflects the correct information and relieving the unnecessary strain it has caused me.
Product: Debt collection

I am invoking the Fair Credit Reporting Act ( FCRA ). Since last year they have been reporting a {$750.00} account from the XXXX XXXX XXXX XXXX company and I have to file a complaint. On XX/XX/year>XXXX  they put the fraudulent account back. 

For two years they have reported other deceptive accounts to me and I made the different complaints and they removed them but the points I lost for those accounts were not returned. For example, before those complaints I had a score of about XXXX and they lowered it to XXXX or something but they never returned the lost points to me. I have called them several times to make that claim and they tell me that they are going to return them to the score and they do not do it.
Product: Vehicle loan or lease

Why is the federal government letting these loan shark subprime lenders get away with giving poor people with fair credit 23 % interest rate car loans. This is not fair they are making XXXX  of dollars a year. In 1990 I had bad credit and got a car loan at 10 % interest rate from XXXX XXXX. How do you let this people get away with this usury. 
Please stop the madness. Please help us, we are suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave personal information including SSN to this credit report website on XX/XX/2021, I am not sure if this was identity theft or not, the URL is suspicious. 

https : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX
Product: Student loan

My name is XXXX XXXX. Over 30 years ago, i took out less than {$5000.00} from XXXX XXXX XXXX Bank. I have paid out close to {$15000.00} over the years and when i speak with XXXX XXXX XXXX ( XXXX ) in XXXX NY, the collection agency taking my social security paycheck, they tell me i still have close to a {$3000.00} balance. 
This is absolutely insane. I have paid this loan off more than 3 times and they still say i owe the majority of the balance. The holder of the loan is ECMC in XXXX MN XXXX Plz help me!
Product: Mortgage

I am writing to formally lodge a complaint concerning the mortgage on my property located at XXXX XXXX XXXX, XXXX, TX XXXX. This complaint is directed against XXXX XXXX XXXX XXXX XXXX, XXXX, and LoanCare regarding the ownership and servicing of my mortgage. 

In XXXX, XXXX XXXX XXXX XXXX XXXX notified me that my mortgage debt on the VA Loan for the aforementioned property was transferred to XXXX. However, to date, XXXX has not affirmed that they own this mortgage. 

According to public records, since XXXX, LoanCare has been the mortgage servicer for XXXX residential loans. Despite this, I have never received any notification or communication from LoanCare regarding this mortgage. See attached documents. 

I am requesting a response from LoanCare to confirm if XXXX actually owns my mortgage. If so, I require specific details including the date XXXX purchased the debt and an explanation for why this transaction is not recorded on my title deed. 

Additionally, I am requesting all documents supporting XXXX claim of debt ownership, including a certified copy of the promissory note for XXXX XXXX XXXX, XXXX, TX XXXX. 

This matter potentially involves misconduct, intentional false statements, racketeering, and other criminal acts. I urge the CFPB to investigate this issue thoroughly and ensure that my rights as a borrower are protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Im having discrepancies with Equifax and the creditor XXXX XXXX and I reached out to XXXX  by mail due to the fact that there the only credit bureau agency that doesnt have live representative that consumers can speak with, I havent heard any feedback from XXXX  about my credit report ever since XX/XX/XXXX. I spoke with multiple of live agents multiple times at Equifax all Im being told is lies majorly of the representatives from Equifax doesnt even want to give consumers there name. Equifax went into my credit score constantly changing my score to high to low, over a company called XXXX XXXX that was paid off, I was told by one of there customer service representative that it would be removed from my credit report, XXXX XXXX is reporting it to the credit bureaus as a paid charge off. XXXX XXXX owed XXXX XXXX, I had both of them at the same time before going to a horrible divorce loosing everything, my children I was XXXX  sleeping inside of the car, I had a few hardships the past couple of years, I paid off XXXX XXXX and I fell a little behind in my XXXX XXXX and got delinquent. Im out of work for getting injured on my job, and still find a way to pay them off, and XXXX XXXX still want remove this account off my credit after being told they would very Val people to there cord, its people out here in this world wouldnt care at all and not come back two years to pay there account off, I could of waited to it dropped off my account in XXXX. I need Equifax to stop taking points off my credit score for a creditor I paid off, I have evidence that Im sending over
Product: Credit reporting, credit repair services, or other personal consumer reports

On  X/X/17    I contacted Trans-union customer service and spoke with  XXXX , I informed her that I was a victim of their " inquiry issue '' and that I was like for them to remove the inquires on my credit report. She was not helpful and would not listen and refused to help take care of the negative inquires reported on my credit report and then hung up on me after I asked if I could please speak to supervisor.
Product: Credit reporting or other personal consumer reports

XXXX XXXX allowed community college of XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX Use my SSN number and then send a check I mailed to Us department of education for Fraudulent Loans. 

I have a XXXX XXXX XXXX and I didnt authorize XXXX staff to assault me when I went to talk to security in front of XXXX police officers. 

I didnt attend XXXX XXXX XXXX XXXX XXXXXXXX XXXX fraudulently has been going on for years for non credit courses being billed through XXXX XXXXXXXX grants. 

I was unemployed and XXXXXXXX XXXX took all my unemployment benefits and applied them to loans {$30000.00} cash they deducted from my XXXX XXXX XXXX XXXX XXXX now XXXX XXXXXXXX XXXX  accounts.