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

I Sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out and here is the tracking # XXXX According to the FRCA The term " investigative Consumer Report '' means a consumer report or portion there of in witch information on a consumer 's character, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. 

Accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

EQUIFAX IS REPORTING A FRAUD ALERT ON MY REPORT. I ASKED THEM MANY TIMES TO REMOVE THIS FRAUDULENT STATEMENT READING ON MY REPORT. BUT THEY TOTALLY REFUSED.
Product: Mortgage

Emergency XXXX of us in danger. 
# Current lender is not related in those problem.But owning home through people are taken benefits through us. 
My family own home which is in XXXX and XXXX of us in US are kind of like hostages on both side. My husband is only person of responsible for our mortgage payment. Evil Main diagram is if he lose job or lack of mortgage payment, divorce, medical problem or anything else may trouble of both of property in US and XXXX. Legally or illegally people attached both of us will benefit to draw out automatically if their system is fail. 
In XXXX, property has being holding by authority since XXXX. It is holding 9 years by now. In USA, I got a letter from XXXX XXXX that foreign asset controlled property under my husband name. Please contact me if FTC need further more info. People have taken accomplished their education, some of the people are getting job or already working using me. Those people distress me, ruined my name in XXXX and US. Those all problem come from hate people who was created their cell phone was stolen by me since XXXX. Their group of people mortgage lenders and associate agencies are still actively created this evil things done. They helped people and supported who need edu, immigration status got through from bridges of our both house. Even sec8 and 2 b room housing program were taken without my consent.Then both of us can be eliminated. Please help us. They made all agencies to participate that their clients need got through from us. Save us our lives. May be immidiately filing law suit. There would be safe of us both of us live in two countries.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Complaint Regarding Negligent Non-Compliance with 15 U.S.C. 1681o of the Fair Credit Reporting Act To Whom It May Concern, I am submitting a formal complaint against Equifax for negligent non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o. Equifax has failed to properly investigate and correct inaccurate information on my credit report, despite the submission of documentation supporting my dispute. 

The dispute in question pertains to an account with XXXX XXXX XXXX, which claims I owe {$7700.00} for alleged damages, fees, and other charges. These claims are entirely inaccurate for the following reasons : 1. I paid my rent in full through the end of the lease term, which ended in XX/XX/XXXX. 

XXXX. On XX/XX/XXXX, I informed the property manager of my intention to renew my lease. However, on XX/XX/XXXX, the property manager informed me that I could not renew the lease. I fulfilled my lease obligations through XX/XX/XXXX and vacated the property. 

XXXX. The alleged damages, such as carpet replacement, wall damage, and cleaning fees, are either pre-existing issues or false claims. There were no damages upon my departure. 

XXXX. All keys were returned at the end of my lease term, and I have provided proof of this in my dispute with Equifax. 

XXXX. The property manager at XXXX XXXX XXXX claimed that I could not create a new lease because my former co-tenant, XXXX XXXX, had to acknowledge being removed from the old lease. This requirement was irrelevant, as the old lease had already ended, and I had fulfilled all terms. 

Equifax failed to conduct a reasonable reinvestigation of my dispute, as required under 15 U.S.C. 1681i. Their negligence in reporting inaccurate debt violates the FCRA and has caused significant harm.

Impact of Negligence : Equifaxs negligence has caused significant harm, including : Damage to my credit report and score. 
Emotional distress and financial hardship from dealing with this inaccurate report. 
Difficulty obtaining financial services due to the erroneous debt reported on my profile.

Requested Action : I request that Equifax : 1. Conduct a thorough reinvestigation of the disputed account and remove this inaccurate information.

2. Provide written confirmation of the removal and any changes made to my credit report.

3. Hold Equifax accountable for its negligence under 15 U.S.C. 1681o.

I have enclosed copies of all supporting documents, including correspondence with XXXX XXXX XXXX, proof of payment, and evidence of my fulfilled obligations under the lease. 

Sincerely, XXXX XXXX XXXX : Correspondence with XXXX XXXX XXXX Supporting documentation ( e.g., receipts, proof of payment, move-out records ) Credit report showing disputed information
Product: Debt collection

Credit Management , LP, improperly applied a debt belong to my mother to my credit report. I provided them with information that the debt was not mine and they returned a message confirming that they would no longer pursue the debt. However, after my requests, they have failed to remove the debt from my credit report. Since XX/XX/XXXX, they have confirmed that I do not all the debt but have failed to remove it from my report. Both a debt collector and the company originating the debt confirm that I am not the account holder and that the collection should not be on my credit report. The debt collector information is as follows The Offices of Credit Management , LP, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX. I am in the process of onboarding to a new job and this inaccurate collections information negatively reflects on my reputation. Credit management LP has had more than enough time to remove this negative mark for my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft from the XXXX breach while I was employed by the FBI. I have submitted my FTC Identity theft affidavit, letter from XXXX verifying what personal information was compromised, proof of my identity and a copy of statute 605B to Synchrony Bank, XXXX XXXX, XXXX and all three credit bureaus. Four fraudulent accounts owned by Synchrony Bank ( XXXX, XXXX, XXXX XXXX and Care Credit ) showed up on my credit reports as collection accounts. Synchrony Bank charged off/sold all of these accounts to XXXX XXXX. I sent the attached letters asking for verification of this debt to include a contract bearing my signature to Synchrony and XXXX and I either received nothing or I was sent a billing statement with an address that I have never lived. I submitted documents regarding my identity theft to the credit bureaus and to XXXX XXXX since they now owned the debt. XXXX XXXX immediately deleted the accounts from all credit reports but Synchrony Bank ( who no longer owns this debt ) is refusing to delete the charge offs from my credit and is continuing to claim that the debt is verified and my identity theft investigation is complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many mistakes appeared in my report I have never paid late these accounts : "   XXXX     XXXX  # Account #  XXXX   XXXX  '' "  XXXX   XXXX   XXXX   XXXX  # Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX  DEPT  OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX  DEPT  OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  ''  " U S DE PARTMENT OF ED Account #  XXXX  ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX You are in direct violation of The Fair Credit Reporting Act ( XXXX. XXXX XXXX XXXX, BALANCE {$8200.00}, ACCT XXXX, XXXX. XXXX XXXX XXXX, BALANCE {$4400.00} ACCT XXXX, XXXX. XXXX XXXX XXXX, BALANCE {$940.00} ACCT XXXX, XXXXXXXX XXXX XXXX, BALANCE {$5700.00} ACCT XXXX. ) has violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearly states that have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

I had a XXXX back in XX/XX/XXXX at XXXX XXXX XXXX and I was under the impression that everything was settled since I have medical insurance. Forward to XX/XX/XXXX, XXXX XXXX XXXX called me and left a message about some unpaid balance. I ignored in the beginning because I thought it was a scam, but they called again saying they needed to speak to me. I called them some days later, but they told me it was too late and I was already sent to collections. When I asked about the reason why, they said the unpaid balance, they wouldnt give any more information since it was a collection case. 
So, Credit Consulting Services started contacting me about it. They told me that I was fully responsible for the bill and needed to pay asap. I asked them about the balance, they gave it to me and forward that to my XXXX XXXX XXXXXXXX for follow up. After 45 days, my health insurance told they were sending that payment to XXXX XXXX XXXX and they did. However, Credit Consulting Services confirmed to harass me and threaten me about that balance. I explained to them it was already paid by my insurance and they needed to call Sequioa XXXX to verify. They wouldnt believe me, and said to me I needed to make a payment because it was accumulating interest and I was responsible for that regardless. 
About XXXX weeks later, they confirmed my insurance made the payment to XXXX XXXX, but still charged me for interest they said, even though it was a miscommunication between XXXX XXXX and my health insurance. 
At the end, I paid the full amount of the interest accrued which it is unfair to me.
Product: Credit reporting or other personal consumer reports

An account with discover was opened using my social years ago, I reported it to the credit card company, the credit bureaus, cfpb, and my state attorney general and it got removed. 

The only credit report it shows up on is XXXX. 

No other bureau has it on the report. 

It is now showing up BACK UP on my report and NEEDS TO BE REMOVED IMMEDIATELY. 

This account is fraud and XXXX is in violation YET AGAIN 15 U.S. Code S 1681c-2. " 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 identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY. 

I AM CONTACTING MY STATE ATTORNEY GENERAL, CFPB and logging ALL POSSIBLE COMPLAINTS AGAINST DISCOVER CARD AND XXXX. 

REMOVE THE ACCOUNT TODAY.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I have conducted the payment in the amount of XXXX USD from my account with XXXX to account of XXXX XXXX XXXX opened with XXXX XXXXXXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX, XXXX XXXX was designated under the XXXX XXXX XXXX. Considering this, my payment was blocked by intermediary bank on XX/XX/XXXX. On XX/XX/XXXX I applied to XXXX for a license to unblock my funds. On XX/XX/XXXX I have received license XXXX authorizing JP Morgan Chase Bank to process the transfer in accordance whith the original payment instructions. On XX/XX/XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXXXXXX Bank informing them on the fact of issuance of the above mentioned license and asking to process the transfer in accordance whith the original payment instructions. Still, JP Morgan Chase Bank has not responded. Thus, We can not processed forward to the beneficiary bank XXXX XXXX XXXX, per the original wire instructions even having the license authorizing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 XXXX XXXX Balance : {$19000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$740.00} XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX XXXX Balance XXXX {$3400.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$820.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was illegally given out loans to customers like myself without proof of income. I bought the car unfortunately it was involved in a accident total loss. Insurance company paid 100 % of balance. XXXX accused me of owing then {$1500.00}. I was involved in a class action national lawsuit against XXXX XXXX and received a settlement check. However I want XXXX to remove the negative information they say I owed from all three major credit companies. XXXX, XXXX and Transunion. I have hired a law firm to help remove the XXXX negative information.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint regarding Experian 's failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, Experian has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

The inaccurate accounts in question are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX I sent in a certified letter with proof and they sent back saying they deleted addresses, but none of the address was on my credit report. 
XXXX. XXXX XXXX XXXX XXXX this was link to the address above so they wouldn't delete it even though I sent proof. 
XXXX. XXXX XXXX XXXX XXXX I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, Experian has either failed to verify the information properly or has responded with generic " verified '' statements without explaining their investigation process or correcting the errors.

This failure to conduct a reasonable investigation has caused harm t o my credit score and financial well-being, affecting my ability to [ get approved for credit, loans, and housing ].

I am requesting the following actions from Experian through the CFPB : 1. Conduct a proper and thorough investigation into the accounts I've disputed.

2. Provide me with a detailed explanation of the steps they've taken to verify or correct the information.

3. Remove any inaccurate or unverifiable information from my credit report immediately.

I am attaching all relevant documents, including certified documents showing I sent it to Experian certified letters, Experian 's responses, and supporting evidence, to this complaint for your review.

Thank you for your assistance in addressing this matter and ensuring that Experian complies with federal laws to protect consumers like me. 

Sincerely, XXXX XXXX XXXX Please see all attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately X/XX/2017 I was notified that someone opened an unauthorized XXXX credit account in my name. I contact XXXX and the account was immediately locked and then closed. XXXX  internal investigation determine this was a fraudulent account. 

The opening of this account though required a hard credit check. I filed a dispute with Equifax then. Today I was notified the dispute investigation has been completed. When I checked in the morning it said the investigation found that the investigation found this was not a fraudulent account ( even though XXXX 's investigation said it was ). Now in the evening I am unable to access the investigation report because when I enter in the info into Equifax 's site it says that my information does not match. Equifax also provides no customer support phone numbers for users to call about this matter.
Product: Debt collection

I'm a desperate consumer. I don't know what else to do to get a response from Barclays. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I thought the account was closed, as I couldnt login to account. The card he had was expired, I thought I was getting a replacement card. Then an {$89.00} annual fee came on and I ended up being over 90 days late. I wasnt even aware of this fee. 

This company has been reporting wrong information. 

Barclays has been negligent. They have committed the following actions, which are considered busines ' violations.Unfair business practices, Failure to provide adequate customer service, Breach of contract, Negligence, Violation of Cares Act. 

Account : # XXXX, Date Opened XX/XX/2000, Balance {$390.00}, Credit Limit {$40000.00}. 

I WANT THE LATE PAYMENT CORRECTED AS A COMPENSATION FOR ALL THE DAMAGES THAT I HAD TO GO THROUGH. 

Please sed the attached documentation to this company. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Opened : XX/XX/year> Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was surprised to learn that I have been a victim of identity theft. I found numerous accounts on my account that were not opened by me. This is hurting me as I am in the process of buying a home for my kids and I. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Debt collection

there was a debt trying to be collected for CREDIT COLLECTION SERVIce in reffernce to XXXX XXXX XXXX XXXX that was previously paid off so there is not debt to be paid
Product: Debt collection

Filed bankruptcy, did 5 year payment plan, completed the 5 year payment plan. The case was dismissed for some year that we did not send an income tax return. Bankruptcy was filed XX/XX/XXXX - XX/XX/XXXX. After two years the case was dismissed XX/XX/XXXX received a letter from Persolve , LLC. a letter XXXX XXXX XXXX XXXX XXXX Courthouse , there is no date or whatsoever for me to verify or dispute, or court date. Persolve claiming more than what they claimed during the bankruptcy period.Persolve send a claim to the trustee for the amount of {$2200.00}, they got paid for what the plan scheduled for the amount of {$830.00}. I send Persolve a certified letter asking for the original creditor, original date of the collection and amount owed. They did not respond to my request, next thing they did they put a levy on my bank account thru XXXX County Sheriff 's Department. The amount taken from my account {$4600.00}. Try to call them ( XXXX ) XXXX, never return my call.
Product: Credit card or prepaid card

I XXXX XXXX have a lost/stolen credit card with American Express Bluebird and I have tried to call them eleven times since XXXX XX/XX/2020, their system hangs up on me every time. When I try to log into my account, the website does not recognize the number and locks me out. I can not cancel my card or close the the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax received my FTC report and communicated to me that they wont comply for a reason i find to be fraudulent in its nature. One of the representatives from Equifax told me that I cant put more than 5 inquiries on a report, No evidence supports this claim.

Another representative told me they only remove Hard inquiries can be removed ; the law does not differentiate any distinctions between hard and soft inquires. They are telling me that they wont remove the inquires. One representative lied and said that i gave Written Permission to furnish any information to my report. I asked her to send me proof and she refused.
Product: Credit reporting or other personal consumer reports

I noticed XXXX XXXX XXXX account that I'm not responsible for plus multiple inquiries being reported that I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXXXX/XX/2022.