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

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXXXXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account XXXX : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX & XXXX Account XXXX : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled for an investigation with all XXXX credit bureaus to be looked at my credit report for accounts XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. These account were open without my authorization. I have sent a letter about 3 months ago requesting information and received nothing and just sent another letter out on XX/XX/2022 and have still not received. By law the XXXX credit bureau must respond in a reasonable time " 30 days ''. I need to have these accounts taken off my report ASAP as they were not authorized by me to be opened and used. it has affected my credit score with the late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account, " XXXX XXXX XXXX XXXX  '' is still open, on my credit report as a remaining balancing. it should be removed and detected as XXXX balance. i no longer have this loan
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS ON MY EXPERIAN ACCOUNT ( 1 ) XXXX XXXX # XXXX ATTENTION XXXX XXXX ( 2 )  XXXX XXXX # XXXX ATTENTION XXXX XXXX ( 3 ) XXXX XXXX # XXXX ATTENTION XXXX XXXX ( 4 ) XXXX XXXX # XXXX ATTENTION XXXX XXXX ( 5 ) XXXX XXXX # XXXX ... ... please help there are many many XXXX XXXX 's in the USA .... THANKS IN ADVANCE
Product: Vehicle loan or lease

At the time I took out the vehicle, I had set up the entire lease to paid each month via Electronic Auto Pay. at the end the leasing company failed to deduct the payments and resulting in negative impact on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with with the Fair Credit Reporting Act XXXX XXXXXXXX Account # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have noticed that my credit report contains incorrect personal information, which is causing unknown and inaccurate accounts to appear under my name. This situation is deeply concerning, as it affects the accuracy of my credit report and my financial standing.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to the credit bureaus name of the credit bureau whose report has incorrect information ]. I have the below item in question listed below. 

Jefferson Capital Systems # XXXX This item is inaccurate and I am requesting that XXXX have the item removed my credit report immediately. 

Thank You
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to reasonably reinvestigate disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. I have not received any documents stating anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, Transunion, failed to block and remove all the account on the FTC Identity Theft Report. 
My credit report is still reporting an account XXXX XXXX. This has caused me great anxiety, stress, and financial hardship.
Product: Credit reporting or other personal consumer reports

I received an email from my bank in XXXX of 2024 saying " Congratulations on your new account! '' I never opened a new account. The process began. I learned I was a victim of XXXX XXXX. Someone opened a Capital One card in my name, and I later learned had a savings account in my name that was years old. I was receiving the notifications for their bill to be paid timely to stay in good standing with the credit bureaus. I started with XXXX and had some success. I tried XXXX, and to this day, despite having submitting a police report, I can not contact them on the phone or log into my online account. Whoever stole my identity has their phone number as the 2 step verifier. The other two bureaus- XXXX and XXXX I was able to gain access to my online accounts and begin disputes- some were in my favor, some not. During this weeks long adventure I learned the person bought a car, car insurance, a Kohls store credit card, and was in the process of waiting for application approval on other store cards. As I mentioned, I have had some successes with the two bureaus, none with XXXX. I am down to a zero credit score as a result. Currently the phone numbers, addresses, and employers I have disputed that were never mine, some are still not resolved. I spoke with Capital One fraud department on the phone and even though I told them I never opened an account, therefore I do not nor have I ever created an online account / profile with them - they said they could see 'I ' logged in just a few days prior. They launched an investigation, but I don't yet know the results.
Product: Credit reporting or other personal consumer reports

I would like to request the removal of inaccurate personal information on my credit report, as it is negatively impacting my FICO Score. I request that you investigate and remove the following items : late payment 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 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bill City Financial reporting my name for unpaid medical bills despite a 3way call between XXXX XXXX XXXX XXXX XXXX, Bill City, and myself! 100 % XXXX Veterans have no medical bills for Outside Medical Care.Bull City told me they contacted Office and was told I have outstanding balance due and that is untrue statement.Bull City keeps my name on derogatory credit list despite verification from XXXX XXXX XXXX. 
XXXX A XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I went to see a XXXX - XXXX XXXX XXXX in XXXX, Ga, during the summer of 2018 which recommended I perform a certain procedure, to which I only agreed to if it was covered by my insurance. After assuring me many times that it would be covered, I went ahead with the procedure. A few months later, a bill arrived for {$210.00}. I tried reminding them of their assurance to me that it would be covered by my insurance, to no avail. They were adamant about me being fully liable for the bill. I attempted to negotiate to only be liable for half of the bill. They dismissed me and sent the bill to a collection agency, Carter-Young Inc XXXX I immediately contacted the collection agency and made the full payment on XX/XX/2018 ( payment auth code : XXXX ). It was subsequently removed from my credit report immediately. I had assumed it was all taken care of until we applied to refinance our home in XXXX of this year. Apparently, the medical center had sent a new bill to the collection agency within two weeks after receiving full payment for the original bill. We didn't receive any mailings or calls regarding this new bill for the past 3 years. So we went ahead and disputed this new bill at all XXXX reporting agencies but the collection agency ( Carter-Young ) is refusing to remove it. We're concern that if we pay this new bill, the medical center will repeat the same formula of sending a new bill for them to collect and for us to pay. Please help.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Account Opened in My Name To Whom It May Concern, I am writing to formally dispute an account opened in my name with XXXX XXXX on or around XX/XX/XXXX. I am a victim of identity theft and can provide evidence that I could not have opened or authorized this account. 

I have been incarcerated since XX/XX/XXXX, and remain in custody. Therefore, I could not have participated in any financial activity, including opening accounts or authorizing transactions, during this time. 

The details of the fraudulent account are as follows : Account Number : XXXX To assist with your investigation, I have enclosed : 1. A copy of my identification ( prison ID ) 2. Proof of my incarceration, such as prison records or a letter from the facility 3. A completed Identity Theft Affidavit Please confirm in writing that you have received this letter and provide me with updates regarding the status of the investigation. I can be reached at the address above, or you may contact my representative, XXXX XXXX, at ( XXXX ) XXXX. 

I trust that XXXX XXXX will handle this matter promptly and appropriately. Thank you for your immediate attention to this serious issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Enclosures : [ List enclosed documents ]
Product: Checking or savings account

Wells Fargo Checking Account opened in XX/XX/year> as prerequisite for Wells Fargo Flex Loan. $ 10 monthly account maintenance fees drained {$60.00} initial deposit before Flex Loan was offered. Checking account closed without notice or authorization after account balance reached {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. My ssn is XXXX, address is XXXX XXXX XXXX XXXX XXXX, IL XXXX. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with XXXX on XX/XX/XXXX at XXXX XXXX CST, explaining that I was fully aware of the two separate glitches and that my inquiries were deleted and then re-added to my report once the glitch was discovered. XXXX refused to deleted the inquires that were made from XX/XX/XXXX. These inquiries add a hardship and that my rights were violated by TransUnion. I am asking that Consumer Financial Protection Bureau to help me make TransUnion stop victimizing me. I am asking as a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Product: Credit reporting or other personal consumer reports

I have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. After reviewing my credit reports I noticed that XXXX is alleging that I owed an amount of {$7900.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. I have continuously reached out to discuss this matter and XXXX XXXX has denied all communications with me and never responded within the time frame required by law. Pursuant to 1692g, i requested the Method of Verification for the said account and XXXX XXXX failed to comply as well in a timely manner. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. I was also threatened that my credit would be ruined if I did not pay off this debt after my most recent attempts to collect data from said account investigations.
Product: Credit reporting or other personal consumer reports

FCRA 605B necessitates the removal of any erroneous accounts from my credit report. These accounts inaccurately represent the reporting. I should be compensated {$1000.00} for each mistaken report on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking 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 previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct or remove the following inaccurate items in my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

Due to my to being deemed 100 % permanent and total XXXX by the XXXX, I received a XXXX XXXX  for my federal student loans administered by Mohela more than 3 months ago. I am currently homeless and attempting to raise my credit score enough to qualify for a VA home loan. My credit report still shows that I owe more than {$110000.00} for my student loans, so I filed a dispute with all three credit reporting agencies, only to have the debts confirmed. Please assist me in ending my homelessness by admonishing Mohela for this egregious, negligent, willful misconduct. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry/ inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$410.00} XXXX XXXXXXXX Balance : {$3600.00}
Product: Money transfer, virtual currency, or money service

Cashapp didn't have any live agents and refused to honor disputes that were not done on my behalf nor gave me a way to dispute them. They refused to contact me or file a dispute as my rights are supposed to allow me to do for fraudulent transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

If the XXXX credit bureaus, XXXX, Experian, and XXXX, are private and for-profit companies, why I am obligated to have my information with them? 

I should have a choice to remove my identifying information from the database of these PRIVATE companies that have been proven to be lax on consumer information security. 

Where is the US LAW that states that these companies MUST have my information? 
Where is the US LAW that states that they can not remove my personal information at my request?
Product: Vehicle loan or lease

I took over the lease of this vehicle from another man. The subject vehicle was returned in XX/XX/2017. When I returned the vehicle, nothing was said regarding any issues. Sometime later, I received a letter from Ally stating that the rear of the car or back of the car was missing and I had to pay around {$500.00} for it. I called the Ally help desk and was told repeatedly that the back of the car or rear of the car was gone and I owed Ally for it. I pointed out that were the back of the car missing it would be significantly higher than {$500.00} so none of this made any sense. I then asked to speak to a manager and they said a manager would call me. No such call was received. 
What followed was a morass of calls ( and letters ) from Ally demanding payment, with me continually stating that the back of the car was there when I turned the car in. It did not matter to the person calling, I owed Ally money for the back of the car. 
At some point ( over a month after turning the car in ) someone at Ally told me that it was not the back of the car that was missing, but rather the charging unit for the XXXX ( it is an electric car ). I told this person that I did have the charging unit. When I took over the lease from the prior lessee, he gave me the charger ( he was giving it to me with the car and I understood it was his personal property which he did not need anymore ). I was not aware that the charging unit was to be returned with the car. In any event, I told the Ally representative that I did have the charging unit and would gladly drop it off for Ally. I was told it was now too late and that I must pay for the charger ( roughly {$500.00} ). 
I told the Ally representative, and have repeated it many times to the numerous calls seeking money from me, that I was glad to return the charger but would not pay for it. Since Ally did not tell me what the actual problem was for well over a month, I was not paying for a charging unit when your firm told me that I owed Ally for the back of the car. 
The upshot of this is I recently tried to get a loan from XXXX on my home. While I would normally not have had a problem getting a loan, this issue with Ally regarding the lease of the subject vehicle is significantly and negatively impacting my credit score. The amount of the loan was limited, and according to XXXX, I was now paying 88 more basis point for the loan due to my credit score having fallen more than 200 points. The reason for the credit score falling was Ally reporting me as delinquent on this loan. This is all in spite of the fact that to XXXX knowledge I had no other payment/credit problem in my life ( I am not a young man ). 
If you check both written correspondence as well as the many recorded ( by Ally ) telephone calls you will find what I am telling you is accurate. I ask my credit score be fixed. I am, as always, more than willing to return the vehicles charging unit..
Product: Mortgage

My husband I called repeatedly between XXXX and XXXX of XXXX to understand why we were being charged for incomplete monthly payments when we paid New Rez twice a month - the full payment being made before the XXXX of the month. 

New Rez sited each time that they did not have a set process for twice monthly payments but would make adjustments to the accounting of our payments to recognize full payments by the XXXX of each month. 

This worked for a few months and then stoped in XXXX of XXXX with a Principal Adjustment fee of {$280.00} and they started charging late fees in XX/XX/XXXX in the amount of {$160.00} for the year XXXX and {$54.00} so far this year, XXXX.
Product: Credit reporting or other personal consumer reports

Sent the company a copy of Police Report and Identity Theft Report. They sent a letter saying they decline acceptance of it. 

Due to I obtained goods or services, called them and they didn't have a proper reply. 

File number XXXX
Product: Student loan

Have placed numerous calls with issues logging into account and unable to make monthly payments by phone, 1 payment in the past was made by phone and now it is not accepting my payment information with no reason included. No representative is available to make payments and waiting times are infinite, even when you call on the days they recommend you call which are XXXX XXXX and XXXX XXXX  still no guarantee anyone will answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one  of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX. Please delete this account ASAP.
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1687 section 602 A. States I have the right to privacy.

15 U.S.C 1687 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting

Experian is refusing to investigate inaccurate items on my credit report. There are a total of XXXX XXXX accounts on my credit report that were included in my bankruptcy that was filed XX/XX/XXXX and discharged on XX/XX/XXXX. These accounts are being reported at 120 days late, transferred/closed, when they should be listed as included/discharged in bankruptcy. Experian would not allow me to dispute these items stating that they were previously disputed ; however, this account was never disputed as being included in my bankruptcy. This entitles me to dispute a new request with new information under the Fair Credit Reporting Act. Also, Experian would not allow me to dispute a XX/XX/XXXX tax lien in the amount of {$1000.00} that was also included in my bankruptcy and updated in public records.