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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX  XXXX  XXXX BALANCE {$740.00} XXXX XXXX XXXXXXXX BALANCE {$1100.00} XXXX XXXXXXXX BALANCE {$1100.00} XXXX  XXXX BALANCE {$0.00} XXXX  XXXX XXXX {$5400.00} XXXX  XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XX/XX/year>
Product: Debt collection

to whom it XXXX concern. I hereby inform the company Midland Credit Management Inc that I have already appeared in court twice regarding the same thing, I have lost time from work to try to resolve this matter. They are blowing up my rights. Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) They say that I have an obligation to them and they have never shown me the contract with my signature with the supposed original creditor of the original purchase by which this alleged debt was supposedly created. I believe and understand that the only reason they are taking me to court is because they have no real power and there is no real debt or business between them and me. 

Here I leave you proof of my card that I currently have with XXXX XXXX XXXX  from a week ago that was approved, which would not happen if I had had another card with them and it would have looked bad, I also have another card with XXXX XXXX XXXX with more than 3 years and it is open and it is my main credit card.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File no. XXXX ) against them for similar violations. i request that CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigations.
Product: Mortgage

Various attorneys continue to claim a mortgage in my deceased father 's name. There is no such debt and they have no claim. This fraud loan with PennyMac must be on XXXX of your databases somewhere, these attorneys make assumptions and start moving to foreclose. One office XXXX ( XXXX XXXX XXXX XXXX filed a trustee sale on my home XXXX months ago acting as a Bank, Beneficiary, and Trustee. This has to stop, I need your office to stop this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling with Equifax for months to remove inaccurate information from my report, I sent in my FTC identity theft report, supporting documentation, and consumer statement as required to block said information, which was not blocked in error, and since at least XXXX of 2021 Equifax still continues to report and is violating my consumer rights. Please see attached text for further explanation.
Product: Debt collection

I informed the company that this isnt my debt and this is negatively impacting my credit. They failed to validate the debt and the credit bureau wont let me dispute it anymore. They failed to show me anything stating that I owed them with my signature. I called the company and asked to come to mutual agreement as it is not mines but I need it off immediately so that me and my children can move. The representative stated they will submit to credit bureau for deletion. Today I found out they just updated it which was not -greed. They could listen to their alleged recording line. They stated they only delete if paid in full which was not disclosed to me until after I paid.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the inaccurate items in my report : XXXX XXXX XXXX Balance {$830.00}
Product: Debt collection

I Have and Account Overdrawn {$360.00} With XXXX XXXX For A Transaction From XX/XX/XXXX that i did not do and XXXX XXXX has not Remove the Charge and The Account Has A Negative Balance For A Transaction From XXXX XX/XX/XXXX XXXX..
Product: Debt collection

This was put on my credit report without any proof that it's mine. Company sent no information to me they just put it on my report and I don't know what it is. I sent a certified letter on XX/XX/2020 and XX/XX/2020 and many more before that and I have gotten no response. I called the number I found online and was hung up on on. It's been close to a year of more since I have been disputing this debt with no response. I think they are also leaving me threatening messages from unknown numbers about taking me to jail.
Product: Credit reporting or other personal consumer reports

I recently review my credit report and noticed fraudulent accounts on my Experian report. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Do not belong to me. There is no document proof that these accounts our mine. Please delete these accounts from my Experian report.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$30000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$30000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$30000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX  XXXX XXXX Owed : {$1200.00} 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX XXXX  Account number : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I supposed to receive 7checks from a saving app called Digit that I've been saving money to. I only received 4 checks, never got other 3. I emailed Digit about the checks, they said those 2 checks are already been cashed to my account. They are able to cancel 1 check from the lost 3 checks. I asked them I never received the two checks, it's not possible they are deposited to my account. The next day they changed one agent to contact with me, she said my checks are cashed at XXXX. I have to contact with XXXX. Then I called XXXX, XXXX knows nothing about this and asked me to contact with the sender. I contact with Digit again, they ask me to get an affidavit of check fraud form from XXXX and notarize it, I went to chase get the form and notarized it and sent back to Digit. Digit told me they send the form to XXXX, now I have to follow up with XXXX not them anymore. After that, no matter what question I ask them, the agent ask me to contact with XXXX. I went to police station wanted to file a report, but the police said I have to have some sort of paper work to proof my check been cashed. I asked Digit the proof of the checks been cashed before, they never gave me any. I went to XXXX again and an agent there told me there's nothing I can do, the sender has to file the claim. I told her they wouldn't do anything for me, she said it's your money, they have to give them back to you. And she told me this website and I can report them here. I can give the email content with Digit as proof if it's necessary. The one check is XXXX XXXX the other one is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to file a complaint against the 3 credit bureaus. They are in violation of FCRA Section 605b. I appreciate your time to remove some of the information in my file that resulted from alleged identity theft but I have items left that need to be removed. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your wilful noncompliance. I need them to be held accountable for their breach of the law. I need these originally deleted accounts removed from my report per the original claim of identity theft & because they are now violating, and it is my right to make some investigations. These are following items I want to remove : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX.
Product: Student loan

The loan servicer didn't appropriate a timeline for when refunds will be handled, told me till XXXX. And I was giving no updates or tracking info about the refund status. I reached out but no answer.
Product: Checking or savings account

XXXX Charged me {$1000.00} on XX/XX/2022 and this was not an authorized charge. I called XXXX and they said " Sorry, we can't do anything about this charge. I filed a dispute with my bank after this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to submit a dispute for an error on my credit report with experian. Both   XXXX    and   XXXX   have correctly deleted this account but Experian is refusing to investigate this matter and report correct information. This has caused serious damage to my credit report and my life style.   XXXX   XXXX   has reported incorrect collections account for a court judgement which has already been paid. This information needs to be verified and deleted off my credit report as a collections account.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX XX/XX/2023, and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix anything. THEY ARE BREAKING FEDERAL LAW. According to 15 USC 1681 e ( b ) it states this ( 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. According to 15 USC 1681 ( 5 ) it states this ( 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 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 the information has been modified or deleted from the file of the consumer. According to 15 USC 1681 S-2 it states this ( A ) Reporting information with actual knowledge of errors a person shall not furnish any information relating to a consumer to any consumer reporting agency if that person knows of has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors a person shall not furnish information relating to aa consumer reporting agency if - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The information is, in fact, Inaccurate This is unfair and if the are doing this to me imagine who else they are doing this to. CAN YOU FIX IT
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2015 XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$49000.00} XXXXXXXX  XXXX XXXX Balance : {$2900.00}
Product: Credit reporting or other personal consumer reports

I am writing to complaint to US BANK about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. 
As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in Clear violation of FCRA 15 USC 1681i ( 5 ) ( B ) Equifax REINSERTED previously deleted material on my consumer report which is a form of admission. I have disputed with them several times and they keep saying the record was directly furnished from the bankruptcy court. That is a lie. I have proof from the courthouse as well as a previous report from equifax that shows the public record not on my account.
Product: Credit reporting or other personal consumer reports

Clarity is a credit bureau that obtains and resells consumer credit report information without consent. They acquired my credit information from XXXX and resold it within the past 90 days. When I checked my Clarity credit report online with reference number XXXX on XX/XX/2024, I was surprised to see that the " Inquiries Viewed By Others '' section had XXXX outdated and old inquiries. Furthermore, I found that XXXX out of the XXXX inquiries were duplicates, as XXXX XXXX had reported twice with the same date of inquiry, and the XXXX XXXX XXXX XXXX was also reported twice with the same date of inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX XXXX transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit card

I made a purchase for a company called XXXX I had a balance on my card of XXXX after the purchase bal was XXXX I had an issue with the company so I decided to cancel the order but kept getting no anwser for a refund so I called BOA and they removed the charge which brought my balance back to the original amount of my initial balance of XXXX XXXX sent me an email that the refund was processed to my finial institution the very next day after BOA made the adjustment so I called and canceled the claim my bal showed a deduction of XXXX from the XXXX which made my bal XXXX which I paid in full instead of bank of america charging me the XXXX there also charging me the XXXX I'm a bit confused as to why It took until XX/XX/XXXX to show an adjustment and why I'm still being charged the amount t plus now an interest charge when I was in constant contact with the bank my account said XXXX after a another charge and payment of XXXX after the payment I made XXXX my account was at XXXX on XX/XX/XXXX then bank of america added the charge back of XXXX they never gave me an actual credit the removed the charge from the credit card the numbers just don't add up for me it's like if my balance said XXXX after the amount was refunded instead of XXXX then I would have paid the full amount but if bank of america uses those tactics to get interest fees the that's wrong there are lots of recordings about this acount and the charges I was even told that it would get adjusted and the charge removed on XX/XX/XXXX when the closing date went into affect I need someone else to go over this account and explain Bank of America has been my bank since XXXX and I'm very disappointed in the extra fees I'm being charged even XXXX is alot Right now XXXX it's really alot especially when the Bank is in control of your money and dosent want to take the blame when there's a problem please listen to every recording about this charge I recorded a few conversations after making the agent aware that I to was recording the call.
Product: Credit reporting

I was directed to this site to request a file disclosure from each nationwide credit bureaus and from nationwide specialty consumer reporting agencies. My files contain inaccurate information and I am exercising my right to this request.
Product: Credit card or prepaid card

I went to XXXX fromXX/XX/XXXX - XX/XX/ and I used my Barclays JetBlue  card it card. After my return the card was used in XXXX from XX/XX/ -XX/XX/XXXX for a total of {$4400.00} and I was alerted by Barclays fraud alert onXX/XX/XXXX, the card was immediately cancelled and a new one was issued. Since then Barclays has reinstated the charges even though I have sent repeated letter the last one onXX/XX/XXXX including copies of my boarding passes in and out of XXXX showing that I was not in XXXX at the time of the charges.
Product: Credit card or prepaid card

On XX/XX/21, I received an email that an account had been opened in my name at Chime. I did not set up this account. I have since received several emails that changes have been made to my account, including the fact that direct deposit had been set up for this account but I did not do any of that. 
I have tried several times to reach Chime to let them know this is fraudulent and to ask them to close the account immediately, but nothing has happened. In fact, I cant get a person on the phone and no one responds to my emails.
Product: Debt collection

Well, I called to cancel the XXXX  bill back when it was {$200.00} even upon my canceling. I received another bill which XXXX XXXX to XXXX and something dollars did I did not approve. And they kept telling me when I tried to fix the issue that they didnt see where I tried to call to fix incorrect the issue
Product: Credit reporting or other personal consumer reports

I was notified by my bank that a {$53000.00} line of credit was taken out under my name. I have called the collection agency along with XXXX, XXXX, and Equifax to help resolve this fraudulent charge. There has been no resolution as I initially learned of this issue on XX/XX/XXXX and have seen been working to remove this from my credit report ever since.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2023 EQUIFAX RETALIATED against me by lowering my credit score by ( XXXX points ) after I reported that they had incorrectly lowered my score by 30 or more points earlier this month. ALSO, I recently received my consumer Report from EQUIFAX and noticed that there is still INACCURATE, OUTDATED information on my report including my NAME and EMPLOYMENT HISTORY I have included a copy of my drivers license with my CURRENT LEGAL NAME and would appreciate it if EQUIFAX Would update my consumer report to ACCURATELY REFLECT MY PERSONAL INFORMATION. please see attached letter.