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

I have disputed these couple cards a few times and for the life of me I do not understand while they 're still showing up on my credit report was a victim of identity theft it 's been reported to the police department it 's been reported to all of the bank and except for these three accounts I have good credit even though I 've asked you before you never tell me what exactly it is you need from me to get these accounts removed it 's called identity theft for a reason of course a lot of the information is going to match mine if it did n't it would n't be called identity theft to me this seems very simple but for some reason experience is having a difficult time with these three accounts and getting them removed from my credit report what is it that you need for me to prove that I did not open these three account did not use these three accounts had nothing to do with these three account? If you could answer that question maybe we could actually resolve this because you keep sending the dispute  to the bank and they say oh yeah it 's the same name and date of birth and so on of course it is this is why it 's called identity theft of course the information is going to be very similar this is how it ended up on my credit report this is how they were able to open the accounts to begin with. 

XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX and # XXXX These three accounts do not belong to me how do I prove this to you? Please answer my question. 

There are also 2 inquiries to look at my credit report they do not belong to me 1 XXXX cards just happened a few days ago again not me there 's another one for XXXX XXXX XXXX XXXX clearly I 'm still having issues do you have a fraud alert on my account?
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX. I informed XXXX about this however, they ended up removing all of my credit cards from my credit report. 

My Advisor at XXXX had assisted with helping me create my paperwork. She added a few accounts that were opened directly by me. 

I really need these accounts reinserted on my XXXX Credit Report because they do belong to me and they were not affected while I was involved in XXXX XXXX. 

THE ACCOUNTS : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please reinsert these accounts on my XXXX credit report.
Product: Debt collection

AR Solutions in Nebraska received Judgement against me in XXXX 2015. On XXXX XXXX 2015, the debt was paid in the amount of {$230.00}. ( Paid via the XXXX XXXX Nebraska Courts : XXXX/XXXX/2015 at XXXX Order # XXXX Receipt Number XXXX ) On XXXX, 7 days after the funds had cleared my account, AR Solutions executed a garnishment on my checking account in the amount of {$250.00}. 

First the debt has already been paid, there should be no reason to need an additional garnishment. Second they are citing more " court '' fees to execute the garnishment on a debt that has already been paid.
Product: Credit reporting or other personal consumer reports

I just looked at my consumer report XX/XX/2023 and I saw that I have a late payment there were suppose to be on time. Me and the XXXX XXXX talked about I wouldn't be marked late because I was under the CARES ACT, PANDEMIC. However they are reporting this Late payment is inaccurate. I sent a letter to Experian fix this problem but I haven't not seen any updates I also sent a letter asking them to provide me description of how they verify how this late payment accurate. But they did not, this a violation of my federal right Can you help with this mater. thank you
Product: Debt collection

This account was disputed and I provided legal proof that the account was under XXXX XXXX. I also provided proof of ownership in my divorce papers for responsibility and ownership of the XXXX account. The company then removed my name from all claims in 2020 and recently a company named Zion Debt Holdings then put a derogatory collection mark onto my credit report without proof. I am seeking that the party fully removes this account status from my credit and seek the responsible party.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to my personal information was reported incorrectly in the data systems an was reported deceased illegally Equifax had my date of birth as XXXX sents XXXX that kept denied credit I was forced to send my identification card an other stuff proving my identity due to false information being reported untrustworthy requested everything should be removed off my credit report an should be reimbursement for the cause I been trough an trouble that cause me my identity was stolen do the Equifax settlement check I never received because my identity was incorrect never was false even the debt collector report I was reported deceased on all credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit report. I see some of my old accounts that were discharged but so accounts are not showing.
Product: Debt collection

XX/XX/18 Transworld Systems attempting to collect a debt for what I believe was XXXX XXXX XXXX called my place of employment, I did not answer. Shortly thereafter they called my mother who was listed as my emergency contact and left a message on her machine stating that the call was regarding my 'past due account '.
Product: Credit reporting, credit repair services, or other personal consumer reports

My capital one cards are all paid off and I go into the XXXX app and it says I owe XXXX $ and another account idk I owe XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter because their was inaccurate information reporting on my credit on XX/XX/2020. I then sent out another certified letter due to the bureau 's failure to respond to my dispute on XX/XX/2020. I still haven't received a response and it is well over the 30 days allowed for re-investigation. It has now been over 60 days, This is a direct violation of my rights given by the laws in the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have & quot; verified & quot ; the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND FTC REPORT SENT!!!!!!!!!!!!! 
THANKS IN ADVANCE Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX XXXX XXXX  Account Number XXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT_ Account Amount_ {$970.00} Account Name XXXXXXXX XXXX Date XXXX Account XXXX Reason for dispute_WITHOUT EFFECTIVE CONSENT Account Amount {$930.00} Account Name XXXX XXXX Date XXXX Account Number XXXX Reason for dispute_WITHOUT EFFECTIVE CONSENT Account Amount__ {$440.00} Account Name XXXX Date XXXX Account NumberXXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT Account Amount_ {$470.00} Account Name XXXX XXXX  Date XXXX Account Number XXXX Reason for dispute_WITHOUT EFFECTIVE CONSENT Account Amount {$680.00}
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS
ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX
Product: Student loan

The loans were paid in full and removed due to them being my daughter 's student loans and they appeared on my credit that has now cause me a hardship in being able to get a home for my family due to my debt to income ratio. They have been contacted and i continue to get the run around.
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX Subject : Request for Removal of Late Payment Due to Hardship Dear Sir/Madam, XXXX am writing to request the removal of a late payment from my credit report. The late payment in question is from XX/XX/year>, reported by XXXX XXXX  through the XXXX XXXXXXXX XXXX XXXX 
Due to an unexpected job loss, I was unable to make the payment on time. This was a temporary situation, and I have since secured new employment. I assure you that this will not happen again. In the event of any future financial difficulties, I have arranged for a family member with saved money to assist with my payments until l can reimburse them. Given the circumstances, I kindly request that this late payment be forgiven and removed from my credit report. Please consider my request and update my credit report accordingly. Thank you for your understanding and assistance. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking and have submitted documents under the debt bondage law, pursuant to Section 605C of the Fair Credit Reporting Act, to have adverse items related to trafficking removed. Under Section 1022.142 ( B ) ( 6 ) ( I ) : Expansion of trafficking documentation ; a request was made for the approval of the expansion of documentation required to prove victimization. This request was approved and went into effect on XX/XX/year>. The types of documents that can be considered a VDD can be court order documents for vacatures, expungements, or record sealings where the underlying crime was related to the trafficking victimization. I was forced into prostitution and trafficked ; and later the criminal case was expunged ( destroyed ). I provided the court documents ( no pages missing ) for the expungement and crime, yet the credit reporting agency has given me pushback. Their tactics to stall and deny trafficked survivors need to be stopped. They are attempting to use the XXXX review to unnecessarily cause victims additional harm. I have provided a copy of sensitive court documents that are being passed around an office, only to be denied. They have given me a hard-time in an already very difficult situation. Section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXX XXXX  if the consumer has provided trafficking documentation to the consumer reporting agency. I have provided court documents and satisfied the requirement, yet adverse items continue to remain on my credit report.
Product: Debt collection

I did not receive a notice that I even owed this debt. I do n't even know if it is mine
Product: Debt collection

They are trying to collect a balance on an account that was canceled, but the company continued to bill me. Once the company was contacted regarding this they refused to reversed the charges and referred the case to a collections agency, who has submitted negative remarks on my credit report. Every single other account I have is paid in full and I have no problems paying my debts, but this was not an authorized charge that they are trying to collect and this damaging my credit.
Product: Credit card or prepaid card

Placed order with retailer on XX/XX/2020 in the amount of XXXX, per the credit offers posted on the retailer XXXX, purchases on a personal XXXX credit account of at least XXXX qualify for 12 month financing promotion, meaning no interest if paid in full within 12 months of the purchase date.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days later, and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted promptly. I demand these accounts be deleted immediately, or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax  data breach, and may have gotten into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

PayPal is holding money that 's available in my account. PayPal is h olding money that 's available in my account for no reason. They 're currently holding {$3200.00}. Account ID :  XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and they stated that they report on the XXXX every month. And that they are not responsible for the credit bureau not reporting correctly and that it would be on them. I did inform them they have not reported any payments since XX/XX/XXXX. They did not have much to say after that.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection account ( XXXX - XXXX XXXX XXXX ) has been disputed on many occasions due to negligence of a property managment and mishandling of personal information by the company in the time of stay the lease was legally terminated with all cost expunged. I have continued to dispute this error to get it removed from my credit file but it has been to no avail. I need this issue to be resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed directly with XXXX and Equifax both regarding XXXX. The account has been illegally re-aged! I have submitted dispute after dispute to no avail. There are so many inaccuracies within the way the account is being reported but after several disputes nothing has been done! The account type is missing which makes the account inaccurate in XXXX way. The number of terms is missing- inaccurate. XXXX failed to perform a proper investigation as the last date is XX/XX/XXXX! It was just disputed in XXXX of XXXX! Equifax failed to list to whom the account was sold to which is a violation! XXXX shows the last reported date as XX/XX/XXXX. Equifax shows XX/XX/XXXX. How is that even possible when the disputes were submitted at the same time. For sure less than 2 years ago! XXXX has the date last active as XX/XX/XXXX and Equifax has it listed as XX/XX/XXXX. That proves the account was illegally re-aged! XXXX has the date of last payment as XX/XX/XXXX and Equifax shows XX/XX/XXXX! How is that even possible when the information is supposed to be furnished by the same company? I believe it is a tactic to prolong how long the account is supposed to report on my credit file which is illegal! Equifax is reporting a payment history each month at OK while XXXX shows the account as charged off! If the account was sold to XXXX XXXX XXXX XXXX why is XXXX still reporting this account? I have sent both bureaus a dispute and they continue to ignore my dispute and report this inaccurate account with no regard. How can both these bureaus continue to report this account even though it is not 100 % accurate along with a serious FTC violation of re-aging? They are purposely damaging my credit file and causing me harm.
Product: Debt collection

Hi. Im contacting you guys because a company is harassing me on phone and calling my Mom, about a GYM membership that i had and because of my injuries I cant go. They are calling me at work and got a warning and last week on Tuesday they call me XXXX times on my work shift and got suspended until my boss make a decision about that. I told them that. I want you to help me with. They even called my Mom and threatening her she is not even a co-signer. 

I will post all the phone call i got on my work hours
Product: Credit reporting or other personal consumer reports

I spoke with XXXX and XXXX about validation of this XXXX showing on my credit report and it was removed. This is still showing on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2020 I file my first dispute with all 3 credit bureaus. 
I have yet to receive anything from that dispute, so I file another one in XXXX and yet again NOTHING. Why is it so hard to send me information I'm asking for? What do I have to do to get a reply from them so I can fix my credit? I should not have to keep filing disputes and writing complaints just to get what I want.
Product: Checking or savings account

I wasn't contacted about the settlement and I no longer have an account with Wells Fargo
Product: Debt collection

XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> on these dates provided the lender known as Monterey Financial has repeatedly called me trying to harass me about my debt that I know I have they will call way before the due date of my bill every month since I originally got the bill stating that they were going to put it in collections and report it to the credit bureau when I have a scheduled day to pay the bill of every month one month I got behind and set up a payment plan to make up the payment and ever since then they have called me almost every day trying to say Im past due I need to pay them today or else
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, 2017, EQUIFAX reported a breach of their cyber security during which time they believe my data, including personal records like social security number, credit reports, addresses, phone numbers, and more, were accessed. When I used the tool they provided to check on whether my account was compromised, the tool indicated that it was but did not offer a remedy.
Product: Credit card

On XX/XX/XXXX my XXXX XXXX XXXX through Barclays was used without my authorization in XXXX XXXX XXXX XXXX, XXXX transaction in XXXX  and XXXX transactions in XXXX. Totaling {$760.00}. ( I live in XXXX  ). These were all wave in store transactions I was told. I was told that the card was denied 5 times that day. Barclays has told me I am responsible for these charges because I benefited from these purchases. 
They told me I need to prove to them that I was not in these states at the times of these transactions. The only proof I could come up with is taking a screenshot of my fitness app which shows the date, time and location of my workouts that day. I called my mobile phone carrier and also XXXX and they told me they do not location track. I asked my neighbors if they have on their XXXX cameras me walking that day as I took a walk that day. I contacted my neighborhood XXXX page and posted asking if any neighbors have me on their cameras ( trying to prove I was home all day ) My last workout ( my walk ) ended at XXXX XXXX, and the first unauthorized charge to my credit card was XXXX ( however at XXXX the card was denied the first time ). This first transaction took place XXXX hrs away from where I was ( at home ), therefore impossible for me to be there. 
I would also like to add that on XX/XX/XXXX ( the day before my credit card was breached ) I was the victim of a phone scam and lost ALOT of money. I contacted my local police and filed a claim that evening. I did not go ANYWHERE the following day as you can imagine I was devastated financially and emotionally. I went to my local bank on XX/XX/XXXX ( the next business day ) and closed all my accounts and started fresh. The fraud department with my bank was amazing and was able to recover a majority of what was lost. I am still in contact with my local police investigator but am doubtful any more of what I lost will be recovered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$0.00}.