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

BANKRUPTCY REPORTING DISPUTE I would like to bring to your attention an erroneous bankruptcy reporting on my consumer report. On XX/XX/2023 I requested Equifax to conduct an investigation on a bankruptcy reporting on my consumer report. I asked equifax if they found inaccurate information to remove the information reporting. Upon further investigation on my behalf I have found the adverse information of a bankruptcy can not be validated by XXXX XXXX. The document presented in this complaint shows equifax using this information of a bankruptcy that can not be validated by XXXX XXXX dated XX/XX/2023 On XX/XX/2023 XXXX advised Equifax that the bankruptcy reporting could not be validated upon the final investigation. I was under the impression that this error would be corrected promptly. 

However, it has come to my attention that an appropriate investigation has not been conducted on the behalf of Equifax and the bankruptcy reporting still remains on my credit report. This is a violation of my Fair Credit Reporting Act ( FCRA ) rights under code U.S.C. {$15.00} 1681.

I kindly request that Equifax immediately remove the bankruptcy reporting from my credit report immediately. Failure to do so will continue to harm my credit standing and may result in further legal action on my part to rectify this issue. 

Thank you for your prompt attention to these matters. I look forward to your immediate action to rectify the situation. 


1. Copy of Driver 's License 2. Equifax credit report showing the validity from XXXX XXXX. 
3. Copy of Social Security Card 4. Recent XXXX  Utility Bill 5. Letter from bankruptcy court 6. Letter from XXXX XXXX of bankruptcy not validated
Product: Debt collection

I am writing to express my disappointment with the inaccurate credit reporting done by XXXX XXXX XXXX XXXX. This reporting has severely damaged my financial situation. On XXXX, I noticed a new account on my credit report that I did not open. I immediately sent a notice to XXXX XXXX XXXX XXXX, requesting them to validate the debt and remove it from my credit report. I sent this notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX. Despite my notice, XXXX XXXX XXXX XXXX has not taken any action to remove the debt from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit, which I need to purchase a home. I am requesting that XXXX XXXX XXXX XXXX immediately remove the disputed debt from my credit report. I am also requesting that they provide me with a copy of the validation letter that they sent to the credit bureaus. If XXXX XXXX XXXX XXXX does not take action to resolve this matter, I will be forced to take further action, including filing a lawsuit in Federal Court.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to report a concern I have with Equifax, one of the major credit reporting agencies. I recently disputed an account on my credit report, and Equifax is refusing to provide me with detailed information on how they verified that the account belongs to me. 

Despite my requests, the supervisor in the fraud department at Equifax, XXXX, has refused to provide me with the documentation supporting the accuracy of the information they are reporting about me. 

I informed him that, according to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to provide evidence of how they verified my information when I dispute an item on my credit report. 

However, he still refused to provide me with the necessary information. I asked to speak with a manager, and XXXX claimed that he was the manager. When I requested to speak with his supervisor, he stated that his boss would not talk to me. 

I am concerned that Equifax is not complying with the FCRA and is not providing me with the necessary information to resolve my dispute. 

I would appreciate it if you could look into this matter and take appropriate action to ensure that Equifax is complying with the FCRA. I have tried to resolve this issue with Equifax directly, but they have refused to provide me with the necessary information. 

Under the Fair Credit Reporting Act ( FCRA ), which is the relevant law, Equifax ( and other credit bureaus ) are required to provide you with evidence on how they determined a debt belongs to you if you dispute it and request this information ; they must investigate your dispute and provide you with the information used to verify the debt 's accuracy Please find below the details of my dispute : 1. *Account in question* : XXXXXX/XX/XXXXXXXX, account number starting with XXXX ( I am unable to see the rest of the numbers ) Equifax would not share it with me 2. *Date of dispute* : XX/XX/year> 3. *Equifax representative* : XXXX, supervisor in the fraud department I would appreciate any assistance you can provide in resolving this matter. 

Please let me know if you require any additional information from me. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been a victim of identity theft /fraud I have report this over and over to XXXX XXXX and Bank or America and also XXXX XXXX I did not sign up for these cards. To save my credit score, I went on payment plans. I needed to move out of my home. I have an active DVRO against my ex wife. She likely signed up for these cards without my permission. I have reported this to all the credit card companies. I have reported Fraud through my XXXX account. These credit card companies call me repeatedly to a point of me having a break down. I can not afford the debt, and I did not sign up for these cards. I never gave approval. I never even held these cards in my hand. My court filings also state this. XXXX XXXX XXXX CA Case number XXXX XXXX XXXX XXXX XXXX XXXX I am demanding a copy of the application that was signed opening up this credit card. I want IP addresses, and proof from BOFA that I applied and wanted this credit card. I have never held it, used it, ever. This was opened by my ex wife without my permission! 

I demand proof that I opened this account, gave permission to open this account ( i did not ) and with a copy of the application with my signature. 


This is fraud committed by my ex wife. It does not matter if I lived under the same roof as her, I never gave permission to open any cards in my name! 

Please provide what I am asking for.
Product: Credit card

I never reuqest a credit card from XXXX XXXX XXXX on XX/XX/ and XXXX XXXX on XX/XX/2024
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX CARD Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number XXXX XXXX Account name : XXXX XXXX Account number XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Debt collection

I have had numerous calls to recieve the original purchase agreement to show that they are the legal owner of the debt and for the terms and agreements of the debt since late spring around XXXX or XX/XX/2022 and XXXX of 2022. 
I have asked for all the documents to be sent to the adress in oklahoma but has never recieved any sort of paperwork for any documents requested. Furthermore the reason for my request is to see if there were any H.I.P.P.A violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit is good. I applied for a ReFi on my home loan with XXXX XXXX- everything was great and we were going to close the loan in 2 days, when suddenly student loans and other derogatory remarks appeared on my report from Experian . As I investigated this matter thru Experian, I see that on my XX/XX/18 report, they added my sisters Student Loans, and other derogatory info to my report. Further, they changed my birth year to hers, and added her name as an AKA to my report. 

I did not get the ReFi because of this and so I called Experian Dispute Department. They still have not resolved the issue, and it should be further noted that XXXX   and XXXX has my correct information, but Experian has my sister merged with my report. If Experian is a data-operator, and not permitted to make changes, then how did this happen? I originally thought it was the Student Loan company that made the error, but I called them and they did NOT have my information on file, and there was no sign of my social security number in their records, so they couldn't have transposed or transferred that information to Experian, not to mention, all my sisters cfeditors are now on my report. 

I applied for another loan through another Bank and now they list my sisters derogatory creditors as the reason why I am being denied a LOAN.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed a lawsuit against me for a debt that was open by someone in XX/XX/XXXX when i was only 15 years old. Also I have a Bankruptcy that the Plaintiff has admit. they were aware of that was filed in XX/XX/XXXX and discharge in XX/XX/XXXX they never notify by mail or phone call also\they got a default judgment against me in stated garnishing my bank account.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because I previously disputed this account and gotten a response telling me to contact the original creditor. The bureau only collects and reports information furnished by the creditor. On XX/XX/2021 I filed a complaint with the CFPB, Complaint # XXXX and XXXX  failed to initiate an investigation. I have received a response from XXXX  regarding my complaint saying that they were unable to identify me but that is not true. I also submitted the same complaint with the CFPB on XX/XX/2021 to XXXX  and XXXX  and they did not refuse to initiate an investigation. All bureaus were provided the same information. I am having an issue with this bureau investigating an account that is incomplete and inaccurate. The creditor has not validated the debt with competent evidence bearing my signature that I have or had an contractual agreement. The bureau still verified the debt. Since XX/XX/2021 when I filed my complaint XXXX  has updated the account with new information and re-aged the account. Also they have added more late payments after the account has been closed. But they shared with me and the CFPB per my previous complaint that they werent able to identify me and closed the complaint so therefore how did they initiate a investigation without my knowledge. They also updated the account after me filing my previous complaint. They have violated my consumer rights under the FCRA laws. There is different information being reported to all bureaus about the same account. I have brought the to all bureaus attention.
Product: Credit reporting or other personal consumer reports

My information was stolen and used to open several accounts in my name. I have asked the collection agency to removed the inaccurate information and nothing has been done. 
XXXX  bank account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item XXXX XXXX XXXX on my Equifax, Experian credit report that continues to negatively impact my credit. According to the FCRA, I am entitled to dispute the accuracy of information on my credit report due to Experian & Equifax being sued for reporting inaccurate information recently. Thank you for your consideration and understanding.
Product: Vehicle loan or lease

On XX/XX/2021 the lender received payoff from a new lender who I refinanced with. The amount sent by the new lender exceeded the actual payoff amount. On XX/XX/2021 I contacted the former lender about the funds overage and was told I would not receive the over payment until after XX/XX/2021 because they have a six week policy for refunding payoff overages. They stated they don't pay interest on those funds nor are they able to process the return of over payment funds any quicker.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shows on my credit report as an account that was allegedly mine. 
Reported as a charged off account with a balance of {$700.00} and a credit usage of {$660.00}. 
If tried to dispute the account because I have never owned this account or any first premier products or services. I keep being reported negatively. I don't know what else to do as a consumer since this is the only thing that i negatively reflecting on my credit, i tried disputing it i don't have an account number, don't own a first premiere card. Basically the company wants me to assume responsibility for an account/bill i have not seen in the mail or encountered.
Product: Credit reporting or other personal consumer reports

I was made aware this morning that XXXX accounts were open in my name through MOHELA. These accounts stated that loans were taken out in my name in XXXX, XXXX, XXXX, and XXXX, totaling to a charge of over $ XXXX. When I tried to contact MOHELA about these charges, I was notified that there was no account with my information on their records. I have never opened a loan through MOHELA, nor have I ever received money from MOHELA for my education.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I contacted XXXX XXXX XXXX services to resolve a long outstanding debt. They informed me that the statue of limitations had expired and that they would be doing a write off / charge off of this debt. During XXXX of 2019 there were some changes reflected on my credit bureau reports but there remained some inaccuracies. I disputed those with the bureaus as they were showing incorrectly. On XX/XX/2019 I received alerts from all three bureau 's as to changes to my reports. Upon investigation now ALL THREE bureaus are reflecting incorrect information. I called XXXX XXXX XXXX services today and they state that the accounts are closed and with XXXX  balance. ALL THREE of my reports show one account as still open and both accounts with outstanding balances. 

I am currently under contract to build a home. If this inaccurate reporting is not corrected I will have to pay higher interest rates and suffer financial damages from this inaccurate reporting. I have filed multiple disputes with all three bureaus over the previous months and yet this incorrect information has not been corrected.
Product: Payday loan, title loan, or personal loan

I was served to make an appearance in court regarding the loan. I contacted Mariner finance regarding the matter and they referred me to XXXX XXXX XXXX who would be handling the case. I spoke with XXXX at XXXX XXXX XXXX and I was told i would not have to make an appearance in court under the terms of the agreement that I would make my regular monthly payments directly through XXXX XXXX XXXX, Mariner finance, or my bank bank account. Today I called Mariner finance regarding a payment I made on XX/XX/20 in the amount of {$540.00} through my bank account which was the remaining balance on the account, because on my online account it is showing the payment amount only reflecting {$130.00}. I spoke with XXXX she told me that the payment had been split up to cover court cost and attorney fees without my knowledge because from my understanding I thought I was paying off the balance of the account. She also informed me that a judgement that had been made against me although I was told I did not have to make an appearance in court. There was still a court hearing without my knowledge and I was not informed of this otherwise I would have made the appearance to defend myself. Now instead of the account being paid in full there is a remaining balance of {$390.00}.
Product: Credit reporting or other personal consumer reports

My Name is XXXX XXXX XXXX and I am a Victim of Identity Theft. I have a Credit card from XXXX XXXX on my Credit File that I did not apply for, approve, nor did I authorize this card to be applied for in my name. Please delete this card off of my Credit File. I have XXXX police reports filed and sent to each Credit Bureau showing my Identity theft.
Product: Credit reporting or other personal consumer reports

My account got taken over few months ago and XXXX refused to revive my old account and there were many fradulent transactions over the time. 

As of today I do not have anyway to see my transactiona and XXXX has not given me any transfer or the credit card or let me see my older transactions. They have been reporting late payments to credit beaureu. 

I would like my account transfered back to me or close it perpetually. I do not receive any alerts and its hard for me to actually work on this account. The only way right now to know my account balance is to go thru their phone which will not connect. 

Most recently I paid of my full amount on the credit card but they reported a late payment. I did not even get a courtesy call in this regard. I would like my credit report to be collected as am trying to buy a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : Late/Open XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$7900.00} Late/Closed XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

On XX/XX/XXXX I received a collection notice from XXXX XXXX, XXXX, XXXX trying to collect on an account listed as XXXX XXXX ( not kidding ) that somehow was attached to my name. The company was listed as having a physical address of XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, NY. I checked on XXXX and it appears to be a storefront of sorts without much more heft. They listed an account from Synchrony Bank which I have never done business with and when looking for their physical address found four locations. Apparently they used to be GE consumer loans and their CEO XXXX XXXX left GE when it separated itself from GE. Synchrony apparently bought all of PayPal 's credit accounts but I have never used paypal either. There was no information as to what I had supposedly purchased, or when, or from whom and what makes this particularly absurd is that someone processed the account under the name XXXX XXXX XXXX When I was a XXXX XXXX XXXX for XXXX XXXX my signature was good for {$25000.00} and it would be appropriate for whoever committed the fraud that started this all off should have the balance charged against their signature. As a bonus, whoever accepted the account from Scynchrony Bank and XXXX XXXX, XXXX, XXXX should also be billed for the amount as a penalty for not even bothering to read the name on the account. I have no idea how that got any of my personal information to link the account. I'll leave that all up to you.
Product: Credit reporting or other personal consumer reports

A charge off is defined by the IRS as XXXX debt. According to the IRS the XXXX C is supposed to be granted. I am then to file it as reported income. According to the FCRA. XXXX is not supposed to be reported on my credit report. I have a copy of a letter from the company that is stating that they did not award me that XXXX. While listing that they charged the account off not XXXX time but XXXX times. According to my credit report. This violates my rights to fair credit reporting and privacy. Not to mention my right to OPT out and written consent. I would like it removed immediately. If it is not removed, I will be happy to report this to the IRS.
Product: Student loan

I am not sure what I need to do about the school XXXX XXXX of XXXX being closed down for stealing money or money laundering. They never told me a loan was being taken out in my name much less 4 student loans. I dont understand how they got a loan in my name with me having no credit at all. I have taken out one loan in my whole life it was for {$300.00} with XXXX XXXX  and thats it. They had me believing that I was receiving a grant and would not have to pay it back because I was a XXXX XXXX  and was not employed at the time. This has been going on now for almost 3 years I have been trying to get this off my back so I can go back and finish college and receive my XXXX XXXX in XXXX XXXX. I really need some financial support here when I call I can never get anyone who is willing to help me get through this and just get it out the way so I can move forward with my life and go back to college basically just a fresh start. I know they have all kinds of financial support due to Covid 19. Am I eligible for any of those options. Please get back to me I so definitely will be waiting for a response. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to submit the dispute attached since XX/XX/2021 but for some reason I cant upload the dispute on TransUnion website.