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

On XXXX/XXXX/XXXX i had requested my credit report from Experian and XXXX along with XXXX to see what is on my report. I see unauthorized inquiry i never requested and one is  using the same id # under different companies. The company name XXXXXXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX they are sharing the same ID # with XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX : XXXX this company has to do with a Car company but again they are sharing the same ID #. Along with again Credco/XXXXXXXX XXXX which is located under a XXXX XXXX XXXX XXXX XXXX, Ca XXXX tele XXXX and this same ID # is listed with other companies. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, ut XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX. Now there or other ones just like this which these companies is sharing the same id no # I live in XXXX, Tx I why would i have any thing to do with all these companies from other states. I also have thought that a fraud alert was put on my account form this from happen. I am XXXX and have XXXX XXXX who can help me know that i have this problem on my credit report i do not understand
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested validation of debt from Experian credit bureau and was advised by 1 representatives, lets say my name is XX/XX/XXXX a supervisor XXXX that the information was verified but they could not provide proof of the debt. I asked for removal of the creditor, XXXX XXXX XXXX XXXX, XXXX  and XXXX XXXX   and was denied. If validation of the debt can not be provided, I request removal of the inquiries.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain against EQUIFAX regarding inaccuracies in my personal information and addresses in your records. 
Personal Information : My legal Name is : XXXX XXXX XXXX XXXX My Address is : XXXX XXXX XXXX, XXXX XXXX, IL XXXX My Date of Birth : XX/XX/year> My last XXXX XXXX XXXX XXXX Social Security XXXX : XXXX My Employment : XXXX XXXX I have noticed that your records contain multiple names and addresses associated with my profile. This is not only confusing but can also adversely affect my ability to obtain credit and harms my credit reputation. I request that you correct and update my personal information to reflect only XXXX name and XXXX address, and remove any names or addresses tied to credit companies that are incorrect or should not be associated with me. 
According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to maintain the accuracy of information in my credit report and to request the correction of inaccuracies. 
Additional Documentation : I have attached copies of documents that support my identity and residence. 
Thank you for your attention to this matter, and I look forward to your prompt response. 
Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FairCredit Reporting act XXXX  XXXX Account # 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 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 or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX 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 a personal credit card account opened at numerous credit card companies. These fraudulent accounts consist of personal credit cards open at XXXX XXXX  on XX/XX/XXXX, XXXX separate XXXX XXXX personal credit cards open on XX/XX/XXXX, and another one on XX/XX/XXXX. XXXX XXXX and Co, on XX/XX/XXXX, another XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX, Personal Statement : * XXXX XXXX personal credit cards open on XX/XX/XXXX, and another one on XX/XX/XXXX. XXXX XXXX and Co, on XX/XX/XXXX, another XXXX XXXX Bank XXXX XXXX XXXX XXXX XX/XX/XXXX, Webbank/Fingerhut XXXX XX/XX/XXXX, Ally Financial XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent Items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX Transunion, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to XXXX Transunion, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process.

Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES DISPUTED DOES NOT BELONG TO ME, I AM UNAWARE OF THE INQUIRIES THAT WERE PLACED ON MY CREDIT, I DID NOT GIVE ANY AUTHORIZATION TO THOSE COMPANIES THATS ON MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXXDOFEDXXXX XXXX  XXXX XXXXDOFED XXXX XXXX XXXX U SDEPT OF EDXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX 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
Product: Credit reporting or other personal consumer reports

On 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 U.S.C 1681. 
XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$920.00} All of the above accounts have violated my rights 15 U.S.C 1681 section 602 A. It states I have the right to privacy.

15 U.S.C 604 section A Section 2 states a consumer reporting agency can not furnish an 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, which antedates the report by more than seven years.

15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall now 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: Debt collection

Please, before reading this complaint, refer to my previous complaints : XXXX and XXXX. 
Yesterday, XX/XX/XXXX, the sum of {$720.00} with XXXX ID # XXXX and the XXXX XXXX processing fee of {$120.00} was debited ( stolen ) from my XXXX XXXX checking account. When I called XXXX XXXX they informed me that this belongs to a garnishment imposed by XXXX XXXX XXXX. This company on XX/XX/XXXX sent me a Notice of Garnishment Dismissal ( See attached letter ) stating that they voluntarily dismissed the garnishment. After that I have not received any new communication from XXXX XXXX XXXX  or its attorney so I assume nothing has changed. The money charged is NOT even earned income because I am unemployed. ( please read my previous complaints for a better understanding ). The account was overdrawn once again and I don't understand why my bank admits making these types of charges without the authorization of me as a customer. 
I repeat, I have not received any new communication from XXXX XXXX XXXX  or its attorney. 

I'm attaching the response from XXXX XXXX to my last complaint and the solution I received by mail.
Product: Credit card

I WAS A VICTIM OF IDENTITY THEFT ON XXXX, AND I FILED MY FTC REPORT ON THE SAME DATE WITH MY FTC NUMBER # XXXX. I AM REQUESTING THAT THIS ITEM BE DELETED FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS PER XXXX5 USC 1681C-2. I HAVE ATTACHED MY FTC REPORT BELOW FOR YOUR REFERENCE
Product: Credit card or prepaid card

i have been an american express customer for years. i noticed about 8 months ago that my business management account waas not accumulating points i called last weekend i was told since XX/XX/2017 no points have accumulated. i was told it would be worked on. i call today and see nothing has changed i get transferred all over the world with no regard for my time. this is stressful enough and i cant be the victim of system failure. i need points i am owed from XX/XX/XXXX on on business management acct which i am owed and other for my trouble and how this happened explanation without calling and being trnsferred all over the world
Product: Credit reporting or other personal consumer reports

I previously disputed this alleged bankruptcy on my consumer reports and have received responses that the alleged bankruptcy was verified/certified as accurate and complete. 

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I requesting a description of the procedure used to determine the accuracy and completeness of the information I disputed along with documentation showing who verified and I have not received proper responses. I only received the generic response of verified I have proof that XXXX deleted the public record from my consumer report along with proof from the US bankruptcy court, stating that they do not verify information for credit bureaus. 

These credit bureaus are using other sources in an attempt to verify without following proper FCRA guidelines, and I request immediate deletion from all of my consumer reports. 

Please see attached documentation from XXXX and the US bankruptcy court. 

I am also aware that CFPB has engaged in in a lawsuit against XXXX for not properly investigating and I assume I am part of the consumers which XXXX is not properly investing. 

As for TransUnion I will assume the same since I have legal documentation showing the bankruptcy has been removed and is not verifiable. 

15 U.S. Code 1681n ( Civil Liability For WillfulNoncompliance ) {$1000.00}
Product: Debt collection

This is my landlord. They contacted them looking for information on my whereabouts, employer etc. Disclosed personal information that they shouldn't have
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND XXXX ARE REPORTING A COLLECTIONS ACCOUNT ( Law Offices Of Mitchell ) THAT IS NOT MINE. 
THEY ARE IN VIOLATION OF THE F.C.R.A I DID NOT GIVE XXXX, XXXX AND XXXX   CONSENT TO REPORT THIS ACCOUNT. 
THIS COLLECTIONS ( Law Offices Of Mitchell ) IS NOT MINE AND DOES NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I made a purchase at XXXX using my Venmo credit card. When I received the purchase, the pants were damaged. I requested to return the pants. XXXX said I didn't need to return the pants and they would just refund me. At first, they gave me a credit on my XXXX account that I had to used by a date in XXXX. I told them I wanted a refund in my original payment because I needed to buy pants elsewhere. Then XXXX moved the amount into the account, where I would have funds if I sold something. In order to get my money back, I have to transfer it to my checking account and that cost me {$2.00}, which I should not be out any money since I wasn't the one who made the mistake. I told XXXX this wasn't acceptable and I wanted my refund back to my credit card so I could make a purchase outside of XXXX. They refused. 

I think contacted Venmo to file a chargeback. I sent them a copy of all of these emails back and forth as evidence of the conversation. 

Today, I received a denial from Venmo stating the following : " We received the case ( s ) you filed on XX/XX/year>. We have reviewed this transaction ( s ) and are denying your case ( s ) : This decision was made because the dispute was submitted with insufficient information/documentation to support the claim and we were unable to obtain the required information/documentation after requesting it from you. '' They have the information and I have a legitimate reason to file a claim. I should not be out money because a seller sent me pants that couldn't be worn. I requested to return this item.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my updated Credit report from XXXX and upon further inspection, it is clear that the Credit Bureaus have not fully removed all the disputed Fraud items from my Credit Report. It is clear that my credit File has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any account and informattion which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureau and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Please remove the following items from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed ; {$4400.00} XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Kindly delete this incorrect entry from my credit report. I never authorized or recognized this account. The relevant documents backing my claim are attached.
Product: Debt collection

IC system XXXX XXXX XXXX XXXX XXXX, XXXX has been sending me collection notices in the amount of {$810.00}. The collections has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then I've been noticing a lot of unauthorized Inquiries and accounts. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate Inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is to follow up any response from you after 30 days of investigation. As I reviewed my Credit Report I have noticed that there is still an item that is reporting as erroneous and incorrect information. Please conduct another investigation to the information and send me the notification that the disputed account has been updated. 

XXXX XXXX XXXX XXXX XXXXXXXX Late Date XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX this is the wrong name. 
XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX XXXX XXXX PL XXXX LA, XXXX XXXX XXXX XXXX XXXX LA, XXXX never lived at any of these addresses result of identity theft ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX the only familiar number is ( XXXX ) XXXXbbecause it is my old phone number but still needs to be removed the other XXXX are results of identity theft when I was under the age of XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX Both accounts are results of identity theft when i was under the age of XXXX and are the only XXXX that haven't been removed from my credit. 
I don't know if it's still on mt report, but my birth year was also incorrect it should say XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit.s my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name XXXX XXXX  account number:XXXX
Product: Debt collection

I received a letter from Credit Collection Services stating that they were collecting a debt for XXXX XXXX XXXX ( aka XXXX the car insurance company ). On XX/XX/2020, I sent, via overnight courier, and within the thirty day period of receipt of their letter, a letter to CCS, stating that the debt was disputed, and that they were not to call me, as it was inconvenient to speak with me on a telephone. This letter was sent as per my rights under the FDCPA and was received at their XXXX, Ma. office on XX/XX/2020, at XXXX XXXX Eastern Standard Time, signed for by " XXXX '' at a location there labeled as " mail room ''. 

At XXXX XXXX  on XX/XX/2020, at XXXX XXXX  Eastern Standard Time, I received a call from CCS, from an autodialer ( which I did not give permission to call me with ) using my full legal name ( which is what is listed on my Georgia drivers license and is listed as the debtor on the CCS original letter ), using telephone number ( XXXX ) XXXX, stating it was on a recorded line, and that the representative was calling from CCS. I advised the caller that they had received a letter two hours prior, which stated not to call me, and that " I hope you enjoy being sued ''. ( Please note that I have conferred with legal counsel regarding this matter, but have not filed any type of legal action. ) CCS ' direct violation of the FDCPA ( 15 USC 1692 et seq ) is the basis of this complaint. Furthermore, their office has been the defendant in multiple lawsuits, alleging violations of the FDCPA, several of being the type of incident I have described. Finally, two hours is plenty of time, in my opinion, for their office to remove my phone number from their system and to not call me.
Product: Credit card or prepaid card

I ordered a computer online at the end of XX/XX/2020 with a new BEST BUY CITIBANK CREDIT CARD that I applied for online. When I discovered there would be a delay in delivery for 2 months, I canceled my order. I have email confirmation my order was CANCELED. I was also sent emails my payment was denied. According to documentation I obtained from XXXX with the original tracking number XXXX the computer was delivered to Best Buy, XXXX XXXX, XXXX, TX. The computer was never delivered to my house because I canceled it. XXXX confirms the computer was never delivered to my house. I am being charged almost XXXX dollars for a computer I never received. 
When I went to the store the first time, they said they would investigate. I did not receive any feedback. Then yesterday when my husband and I went there they said the computer was delivered to my residence. The computer was never delivered to my house and I do not have the computer. Best Buy Citibank is charging me for a computer that I have never seen. They have been harassing me by phone and sending me bills ONLINE for almost a year and they are escalating the charge now to another agency. Citibank told me that I alone had to deal with Best Buy, XXXX XXXX in XXXX, TX. I have done everything they asked which was to contact the CARRIER, XXXX. 
This has caused me extreme stress and time.
Product: Mortgage

I have foreclosure that took place 4 years ago and is complete. The servicer OCWEN shows the issue as current and that I am XXXX behind in payments. After contacting a mortgage company I am told it is still listed as a current debt and not in history section and causing additional stress on my score. I wish to have it properly listed in the history and not as a current debt.