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

I am interest in processing disputes on my credit report to delete and remove all inaccurate information that is hindering my file. ive noticed none of the information listed is verified through XXXX. this has caused major denials an invalid data reported to my file. please review an remove all listed accounts to help clear my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I disputed that XXXX had charged off my account as of XX/XX/XXXX and a balance remained reporting on my credit report with TransUnion. I have attached the 1099 I received from XXXX to this complaint for your review. It is my understanding that the balance should reflect {$0.00} when an account is listed as a charge off.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Deleted my paid in full student loan account in response to a dispute is specifically authorized by the FCRA. Section 1681i ( a ) ( 1 ) ( A ) of the FCRA requires an agency to " reinvestigate ... and record the current status of the disputed information, or delete the item from the file in accordance with paragraph 5 [ describing the circumstances in which an account " can not be verified '' ]. '' Equifax, XXXX and XXXX are saying that the student loan couldn't be verified with XXXX XXXX after the account was paid in full on XX/XX/XXXX 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( emphasis added ).

Equifax, XXXX and XXXX has " a purported right to reinvestigate any disputed information contained within a consumer 's credit report after receiving a direct dispute from the consumer. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Upon receiving such a dispute, a CRA has thirty days to perform the reinvestigation and to notify the consumer of the results. 

Equifax, XXXX, and XXXX hasn't reached out to XXXX XXXX regarding any disputed student loan account from XX/XX/XXXX- XX/XX/XXXX. 

( No reasonable reinvestigation by XXXX, Equifax and XXXX  was even done and they hadnt contacted XXXX or the Department of education to  determine the status of the debt of the students loans, but has removed the establish credit history fromcredit report. ) Equifax, XXXX and XXXX   must : ( 1 ) reviewed the dispute letters and all enclosures ; ( 2 ) if the enclosures were not sufficient to resolve the dispute, sent an ACDV to the furnisher with a dispute code and information to identify properly the consumer 's dispute ; ( 3 ) once the furnisher returned the ACDV, modified the consumer 's account accordingly, including deleting the account if the furnisher failed to return the ACDV or verify it appropriately. 

According to XXXX XXXX and the Department of Education Know ACDV was sent to them regarding the dispute. 

Equifax XXXX and XXXX  has failed to reinvestigate any of his dispute from XXXX XXXX and didn't sent any ACDV to the department of education or XXXX XXXX. 

Equifax XXXX and XXXX are misusing the FCRA and are not conducting reinvestigate before removing accounts with the department of education and XXXX XXXX. 

The FCRA mandates that disputed information must be deleted from a consumer 's credit report if it can not be verified pursuant to a reinvestigation. XXXX XXXX and the Department of Education can verify the account. See 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ).

If a CRA wants to reinsert previously deleted information into a consumer 's credit report, it must certify the accuracy of the information with the information furnisher, and must notify the consumer of the reinsertion. Id. 1681i ( a ) ( 5 ) ( B ). Equifax XXXX and XXXX  hasn't reached out to the Department of Education, the Untied States Bankruptcy Trustee or XXXX XXXX  regarding any of the students loans account.
Product: Credit reporting or other personal consumer reports

I did not initiate any of the listed inquiries.
Product: Debt collection

In XX/XX/XXXX I pulled my XXXX and XXXX XXXX credit reports because I needed to verify that the status of this account is current. I'm XXXX XXXX military and because I had some missed payments in the past, my security profile was flagged for financial discrepancies, which in turn could affect my security clearance to do my job if I didn't provide justification or proof that everything is good. 
My XXXX report showed that this account status was good and current, but my XXXX XXXX report showed status unknown or something like that. It didn't match the information that was showing in my eXXXX report. So I disputed it, thinking that they would be matching afterwards and maybe something got missed or overlooked and wasn't updated. Instead the exact opposite happened, after the dispute, XXXX XXXX said that my account was charged off back in XX/XX/XXXX, because they didn't received any payments and had unsuccessful collection attempts. I'm not understanding how or why this account got charged off, and for them to say that it was charged off ( apparently 36 times according to my credit report ) because of unsuccesful collections attempts and they have record of this. If they have records of this then what happend to the money that was sent and collected by them over the past 3 years. How come none of this was recorded?? Now my account that was in good status was passed onto a collection agency ( XXXX XXXX XXXX ) and its for the amount of {$20000.00}. I know this is not correct because this is what was owed according to my XXXX Credit Report, but my bank records show that from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX received {$4000.00} in payment for this debt. The last payment I sent was in XX/XX/XXXX and I only stopped paying because something is not right with this situation and I want it resolved before I resume payment on this debt. I definitely do not want to go thru with the collection agency especially if they're trying to collect $ XXXX from me? I know I don't owe that.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 Credit report is showing 30 day late which is incorrect as this account has never been late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

My purse was stolen in 2020 with my cards and social. Someone took out a loan with XXXX XXXX that is not mine and stole my identity and it went to collections. Ive tried to dispute it multiple times.
Product: Mortgage

On XX/XX/XXXX, {$920.00} was disbursed from my escrow account for payment XXXX XXXX XXXX property taxes due. An additional disbursement of {$0.00} was made XX/XX/XXXX. The PHH online payment history indicates the XX/XX/XXXX, disbursement was for taxes as well ( Screenshot attached ). I called PHH and questioned the disbursement and was told it was a payment to my local tax authority ( XXXX XXXX XXXX XXXX ) to retrieve my tax bill. I called XXXX XXXX Tax Commissioners office and spoke with XXXX XXXX, who is responsible for providing bulk / mass bills to mortgage companies. XXXX advised her office does not charge a fee to retrieve tax bills and that the full tax bill due for my property ( {$920.00} ) had been paid. XXXX XXXX Tax Collector contact details are in the attachments. 
I called PHH again and requested detail on the {$0.00} fee charge and was told it was a tax bill. 
On XX/XX/XXXX, I submitted an QWR via certified mail, it was delivered XX/XX/XXXX. I received the response from PHH on XX/XX/XXXX. A copy of my request and the PHH response are attached. 
Their response was confusing, and I feel was meant to provide only enough detail to stop my questioning. PHH indicated the charge was towards the Government Bill Fee ( XXXX XXXX / XXXX XXXX XXXX ). This is not a tax bill and does not provide me, the mortgagor, any benefit. I believe this is simply a fee PHH is paying for a tax service vendor to retrieve the tax bills and PHH is trying to pass this cost along to mortgagors. In the QWR response, PHH states they started this practice in XX/XX/XXXX and the fee is assessed in 25 states and varies by state. 
I am seeking a full refund of the fee, and no future disbursements from my escrow account for this fee. If this can not be accommodated, I would like all funds in my escrow account, including the Fee in question returned to me and my escrow account closed. Lastly and most importantly, I am asking to understand what is truly happening with this fee. In my new neighborhood there are over 450 homes and I have to believe most used the builders preferred lender ( XXXX XXXX ). Prior to first payment due date, the loans were sold to PHH. 
Aside from my individual concern, even if only half of the homes in my neighborhood have an escrow account and were assessed this fee, then PHH received {$100.00} to retrieve tax bills that were provided without charge directly from XXXX XXXX. This is just one county in Georgia, PHH said they are assessing fees in 25 states.

I am attaching all my backup / supporting documents.
Product: Credit card or prepaid card

On XX/XX/2021 I received a notification on my phone from my Apple Credit Card XXXX Goldman & Sachs ) that a purchase for {$40.00} was completed. I found that very strange because 1, I rarely use that card, and 2, I was in my patrol car and on my way to an off duty job so there was no way I could of made that purchase. I immediately called to report the obvious Fraudulent purchase and file a dispute. Well a little over a few weeks later, I received an email from Apple Support stating that after their so called Investigation, they concluded that that the purchase was accurate and legitimate. After another dispute and similar response, I obtained legal counsel. We have sent two letters but have not received any responses. I was instructed by my attorney to file these complaints before we move forward with a lawsuit. That way we show we have done everything to resolve this matter on our end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, U S DEPT OF ED/XXXX. 
Company Inquiries 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, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, has violated my rights. 15 USC 1681 Section 602 Staes I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and Inquiries appearing on Credit Report. 


Accounts XXXX. XXXX XXXX {$71.00} Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting 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 Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX 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: Credit reporting or other personal consumer reports

Multiple attempts to dispute have come back as verified. Request for method of verification ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX - Opened XXXX {$220.00} XXXX XXXX XXXX Opened XXXX {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these accounts for a long time now and all I wanted is to have these accounts removed from my credit report. 
XXXX FORMERLY XXXX ACCT # XXXX DEPT OF ED/ XXXX ACCT XXXX XXXX XXXX XXXX XXXX   ACCT # XXXX I have tried to fix this problem multiple times and told them to validate these accounts and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not, and, they will say my file has been updated with no sign documents showing me proof that the debt belongs to me. I am so sick and tired of credit bureaus releasing inaccurate information about me without proof that the accounts belong to me.
Product: Credit card or prepaid card

My card was used without my permission or my authorized users permission on XX/XX/23 for {$440.00} at a XXXX in XXXX # XXXX, and for {$1100.00} at a XXXX in XXXX # XXXX on XX/XX/23. 
Citibank is denying my claim and holding me liable because the card was present in the transaction. My card was in my possession, which I told citibank, however I have multiple users on the account. One card was not received in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not deleting these accounts that are clearly violating my rights. 
XX/XX/XXXXThese are a violation of 15 U.S. code 1681I ( 5 ) removal of Inaccurate/Invalidated credit information. Please remove immediately.
Product: Credit card or prepaid card

A special promotion with Synchrony Care Credit. If I don't pay off my balnce by XX/XX/XXXX Care Credit is going to add the accrued interest based on the original amount instead of what is left over ( {$1000.00} plus ) back into the remaining balance. I applied for a special XXXX XXXX balance transfer card with 15 months no interest. Care Credit is blocking the transfer because they said it is illegal to pay a credit card with a credit card and Care Credit is blocking the transaction. I have called and called Care Credit and they keep saying the same thing. XXXX XXXX said they transfer balances all day. Care Credit allowed me to transfer their balance to my XXXX XXXX years ago but now they are. 
Please help
Product: Checking or savings account

I attempted to open account but was rejected after reading the disclosures. I understand that the bank blamed a third party verification service. I think its because I read the disclosures before signing. This has affected my ability to open accounts at other banks as I am now black listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Account # XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, AND XXXX, MERCHANTS CREDIT GUIDE 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
Product: Checking or savings account

On XX/XX/XXXX, at XXXX I received a text from Chime stating that I changed my email address and phone number but I didn't make these changes. Someone hacked my account and took my money. I contacted Chime customer service and they said that they would put in a dispute with the fraud department and stop any transactions or transfers that these people did.
Product: Bank account or service

In XXXX of 2011, I had some fraudulent activity occurring with my checking account through Bank of America. The activity happened at an ATM, which is fully equipped with cameras. Upon learning of the incident, I immediately filed a police report with the XXXX police department and submitted a copy to Bank of America. Now even after submitting a copy of the police report and being told that the person on the camera was not me, I was told by the bank that the only way the fraud could occur was for someone to have access to my pin number, which was in a sleeve with my card, as this was a new account. I was also told that since I did not secure my pin number, that I was considered an accessory, and was permanently band from Bank of America, not only did they band me from their facilities, they also entered my name on a fraud report, which denies me the right to utilize any other bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXXXXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 report to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Hello. I requested a replacement debit card to be sent to my temporary address in XXXX. Unfortunately, I learned that Capital One does not obtain tracking numbers for international card shipments. Without a tracking number it is very difficult to receive the card, as packages usually have to be picked up at the delivery company 's local office. In foreign countries there is only a minimal effort, if any, to deliver at the recipient 's address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion and explained that these addresses are not mine and I have never lived here. Please delete these addresses from my credit report. 
The following addresses are reporting incorrectly and must be removed immediately : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XXXX   XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

I checked my credit after being denied multiple times for a new auto loan. I noticed FOUR accounts for DBA PARAGON REVENUE totaling amount of {$500.00} with the ORIGINAL ACCOUNT OWNER as XXXX XXXX XXXX. First, each of these debts are a violation of my HIPPA rights, as I did not sign a release to have my medical records, including costs, shared with any outside agency. Second, I never received any correspondence from the medical facility or the doctor after my care as I made sure they knew that I was indigent and had no income. Third, I have a right to be notified with proper instructions on how to dispute, according to the Fair Debt Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I have informed the credit bureaus. I have placed an initial fraud alert on my consumer record on XXXX. I have requested that my number be called to verify I am indeed applying for the credit that is creating inquiries on my credit. I have NOT received any phone calls, however inquiries are continuing to appear on my credit. I have requested these to be deleted on numerous occasions, XXXX, XXXX, XXXX, XXXX and most recently XXXX. All requests returned still on my report. I have also submitted the police report n reference to the identity theft and the inquiries have remained.
Product: Checking or savings account

I've spent XXXX hours with Bank of America with no solution. At XXXX lastnight, my account was positive and this morning I get hit with an overdraft fee. A merchant charge came through in which I did not authorize as well. I simply asked for a courtesy fee of XXXX to be credited since Bank of America XXXX are deceitful and leading the customer believing their account is fine. I also verified with the supervisor that my account has never been in overdraft and they still would not provide a courtesy credit in which the branch confirmed they could since I have always been in good standing. I was hung up on by another supervisor and repeated myself several times. Bank of America does not care about their customers. I do have documentation as well that I will be mailing to their NC office.