23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I submitted a compliant with case # XXXX through the XXXX and ARS removed the delinquent account from my credit reports because they were unable to provide any original documents with my signatures on it. Now a year later they went ahead and put the information on my credit again, without providing any of the original information I requested or any new information. Gain I submitted a letter requesting copies if original documents showing I indeed owe this amount. I sent this letter certified mail, which they received XX/XX/XXXX. ARS has never communicated with any of the information i requested. Furthermore, ARS has put this collection on my credit reports before even sending out any letter to me to allow me to dispute the debt. The only reason I know of the debt is because i check my credit reports monthly. ARS violates the law and continues to get away with it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX XXXX Balance Owed : {$210.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam XXXX I am writing to you in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ) to dispute the accuracy of information on my credit report. I have reviewed my credit report and identified discrepancies that I believe require investigation and correction. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inaccurate information pertains to the following accounts : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the accuracy of late payments associated with these accounts. I believe these entries are incorrect and are negatively impacting my creditworthiness. 

Under FCRA Section 605 ( b ), I request that Equifax, XXXX, and XXXX conduct a thorough investigation into these disputed items. I also request that you provide me with a written explanation of the results of your investigation and any actions taken as a result. 

According to FCRA section 605B it is illegal to report any information on my credit report without my permission please remove all items from my credit report permanently, thank you. 

Please acknowledge receipt of this dispute letter within 30 days and inform me of the steps being taken to resolve this matter. I am relying on your prompt attention to ensure the accuracy of my credit report. 

Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

I am applying for companies that use Hire Right background checking services. I would like to retain a background check on myself through this service. They wo n't let you retain your own report unless a company has requested a report on you. But by then it is too late and I will have lost the job.
Product: Credit reporting, credit repair services, or other personal consumer reports

" I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY THE REPORTING OF ANYI UNDERSTAND THAT NO ENTITY IS AUTHORIZED TO RETAIN REPORT TRANSFER SELL USE OR ELSEWISE ANY PHYSICALLY UNCONFIRMED DATA AND IVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.IT CANT BE PROVEN IVE EVER RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED POSSIBILITIES OF MISREPORTING OR MISINFORMATION. PLEASE PHYSICALLY CERTIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, BALANCES, CALCULATIONS, AUDITS, AND EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX FAILED TO INVESTIGAGE MY DISPUTES.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my last option before I escalate this matter through the legal system. I have been attempting to remove fraudulent accounts from my credit report since XX/XX/2020 and for a process that should take no longer than 30 days, it has been over 240 days and I have neither received any investigation confirmation nor any result notices. The funny thing is, even the inaccurate personal information that was requested to be corrected, hasn't been done so. The fraud accounts are still showing on my report and it seems the bureaus are perfectly fine with violating my rights under the FCRA and the federal law. As stated, this is the last option before a lawsuit option is pursued.
Product: Debt collection

A man named XXXX said that he was a legal courier for XXXX and XXXX XXXX and he was going to attempt to deliver legal papers to my door and place of employment he left me a number to call to stop this effort XXXX when I called that number I spoke to a man name was undisclosed he had the last XXXX of my social security number he did not read me the mini Miranda when I asked him if the call was recorded he said we do not record our calls mop also informed me that I am not being sued and his company 's name is XXXX processing I told him that I will not be paying this debt because I have not had any contact via mail and to many scam agencies out there
Product: Credit reporting or other personal consumer reports

I did not authorize those following credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I have repeatedly requested a copy of my report since XXXX and I have attached a copy of ONE their responses providing me a PIN number to remove or add a freeze and statement saying that they are unable to process my request. They continue to ask me for identifying information like social security card, driver 's license photos and every other piece of information. I have provided all of this through their upload system over fax mail and email! What are they doing with my information? Have they breached my data by not reviewing this information and providing me my documentation that I've asked for up until 2 weeks ago? How many times do I have to provide them very sensitive information that I don't know who is reviewing or looking at and they still can not seem to process it? This is unacceptable! I want a copy of my entire report immediately. 

I have followed their procedure I have given them adequate time to provide me this information and yet they still refuse the process this. My most recent communication started in XXXX and has went through until today as a matter of fact when I have also called them and they will not talk to me even. They continue to tell me that they can't validate who I am but yet they have all of my information because they keep asking me to send it and I send it and then they send me emails and they send me letters back at the proper address. Unacceptable. They are the one company that I can not get any reports from and I need them immediately because I think they are part of a data breach of my information. 

I am a victim of XXXX  XXXX and provided evidence of this and all of my identifying information and XXXX. It is now XXXX  if you look at the emails and I still don't have the information that I need which is a copy of my report. I need to see who has accessed my report and I need to see what my report is showing.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX
Product: Consumer Loan

I have auto loan with XXXX XXXX. When opened I set auto payment, and in XXXX of XXXX I called inquiring what is needed to change my bank account for future withdrawals. They emailed me form, I filled in and faxed. Next month payment was not withdrawn, I called end of XXXX, and they claimed never received fax. I made payment over phone and set up net payment for XXXX same way in case auto payment would n't work ( was told at that time I can not set up auto payment for next 6 months because XXXX payment was missed which came to be incorrect ). Went on their web site and set it, and they withdraw twice on XXXX XXXX. Called on XXXX at XXXX XXXX, spoke with XXXX who told me they need me to fax my bank statement showing withdrawals. I faxed it on XXXX, than called on XXXX at XXXX XXXX and spoke with XXXX who confirmed they received it and that refund will be done by XXXX. Nothing happened so I called on XXXX at XXXX ( putting all times and dates so they can verify on tapes is this true statements ) and spoke with XXXX whose response was that they never received fax!!! When I confronted him with conversation with XXXX on XXXX he put me on XXXX minute hold and then they miraculously found my fax! At that time they said they need to put another request into system and it will take up to a week to receive. Since this was XXXX day since my money is sitting with them I asked to speak with someone higher, and at XXXX I was talking with XXXX XXXX who was " understanding '' but could not commit to expediting anything and passed me on to XXXX at XXXX. After me repeating all incompetence on their side, she became defensive and now claimed that my faxed bank statement is invalid, because I have XXXX all other charges on my account ( do not feel it is any of their business knowing what I am paying besides their loan ). They claim they have no way of finding proof on their end of charging me twice, which I find unbelievable. 
All of this is putting additional burden on my finances, and I will probably not have enough money to cover all my bills next month, due to Chrysler financial holding my {$530.00} for close to a month now. 
Asking for help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX : XX/XX/2021 The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate
Product: Credit reporting or other personal consumer reports

Some one is using my social security number to apply for credit cards .. XXXX inquiries for XXXX XXXX
Product: Credit card or prepaid card

I travelled to XXXX in XX/XX/2022 for attending my sister 's wedding, where I used my Chase credit card for doing a lot of shopping. 
During this time, I used to get email alerts for every purchase I made, which I usually take a look at later, as I didn't have the access to internet while out in the market doing shopping. 
On XX/XX/2022 I was out in the market to purchase some gold jewelry, before going to intended shop, I parked my car in the market and the mobile parking attendant asked me to pay for the parking upfront. I handed my card over to him and he swiped it on his mobile card reader machine. After that, I made the purchase at the intended shop and was on my way back home ( I couldn't check my email alerts at this time, as we were busy with the wedding preparations ). After a few days when I looked at my credit card statement, in addition to my all other regular and expected charges - it showed me a unrecognized charge of {$1600.00} from an unknown entity ( this was on the same day, but prior to when I purchased the gold jewelry on XX/XX/XXXX ). This is when I realized that I have become the victim of credit card fraud, most likely by the 'parking attendant ' who swiped my card that day just prior to my purchase on the jewelry store ( I didn't see any 'parking " related charges on my credit card in that statement period ). 
When I disputed this charge with the chase bank, they investigated my issue and denied my claim by saying that the card was in my possession when this fraud happened. I tried re-appealing my case with them and tried talking to the fraud department, but it all went in vain as the chase rep that I talked and tried to explain my case - became extremely rude and literally threatened me that if I don't pay this charge, they will spoil my credit ratings. At this point I felt extremely frustrated and helpless, as there was nothing I could do to fight my case. My track record of paying my CC dues have always been clean, I never ran into any payment issues with Chase ( and couple other banks ). At the end of it, I anyways paid for this fraudulent charge on my card and going get my account closed with Chase. 
I am posting here about this issue, as I don't have the time and energy to take a legal course of action regarding this, but I hope I can get some resolution from Chase with the help of CFPB, and I hope people can also learn from my incident and be more vigilant at their end.
Product: Vehicle loan or lease

First of all, the loan was supposedly denied until they put me on my fiances loan. I was not working at the time so can not imagine how it would have helped. He later was unable to work for a period of time and got behind on the payments. After repeated attempts to get lower payments or to refinance the vehicle was reposessed. NOw it is killing our credit. I now work at a financial institution and in our training we have ecoa trainings I should never have been put on the loan as I was unable to pay for it. what can I do?
Product: Debt collection

The reason why I am filing this dispute is because a credit collection company that I am dealing with purchased a charged-off account from XXXX, this account was acquired during a marriage, which is now expired. THIS collection company allegedly purchased a charged-off account, which was an appliance and furniture store account. They added that newly purchased charged-off accounts balance to the balance of the debt of which we had already agreed upon a payment plan and I had made XXXX payments towards that agreed-upon plan. The fraud part is that they withheld this information from me. When I contacted them to ask if they would collect the payment a week later due to my finances they told me that they added this balance to my existing balance and now the terms have changed. I did not agree to these new terms, and they have not ever proved the debt to be mine. I am only assuming what the debt is. So now this is placed on my credit report, they wrongfully reported it to the credit bureau. I have not been on a mortgage since XXXX. They placed themselves on my credit report and they placed it as a mortgage debt when the original debtor was an appliance and furniture store delinquent. I spoke to them on XX/XX/XXXX ; as of today XX/XX/XXXX it is now on my credit report, lowering my XXXX, and ruining my credit which I have been working diligently to get back into good standing. XXXX : undisclosed information, falsifying the debt classification, pushing me into terms that I did not agree upon, placing negative information on my credit report
Product: Checking or savings account

I received a letter dated XX/XX/ application number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that they are unable open an account in my name dated XX/XX/2021 and they needed further information I did not attempt to open an account didn't apply online or any other manner to open an account
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX Venmo froze my account and won't release my money to my linked bank accounts. I have used venmo for quite some time and I've verified my identity multiple times and apparently it's not over my identity but they refuse to say why. All I did was pay my friend and Co worker money for a vehicle he purchased for me 2 months ago and for helping my kids and I with our medical bills. As well as trying but not succeeding in getting an XXXX ride and XXXX ride online for a friend stuck in Mississippi at the casino that day right before my account was frozen. I didn't commit a crime nor did they even ask me for an explanation of my transactions. They just took my money which by their policy is fdic insured because it was added by direct deposit. It's all the money I have it came from XXXX Arkansas XXXX XXXX XXXX  which as you know is unemployment. They want to say they can hold it for 180 days just in case any merchants file a claim or some nonsense which they know the only person I paid was XXXX XXXX and he tried to transfer his money to his bank through venmo and they didn't transfer it and told him it was returned to my account so take it up with me but it never made it back to my venmo account so that's another XXXX on top of {$8000.00} they are playing with on me. I have XXXX boys 9 and 15. I can't wait until 6 months.I lost my car because of this frozen account by a company pretending to be a bank when there far from it. My venmo username or email is XXXX my name is XXXX XXXX dob XX/XX/87 ssn XXXX. XXXX XXXX is here with me. HI My name is XXXX XXXX my email is XXXX dob XX/XX/87 ssn XXXX and venmo took money paid to me and claim it was sent back to the originator which is a lie because it is not in his account I am looking with him right now and all the venmo chat agents are rude and literally join the chat read my question and literally a second later leave the chat they're avoiding us for a reason why can't we have our money it's ours not venmo 's I'm gon na call my XXXX XXXX As well but I hope you can help us.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Date XXXX XXXX XXXX This letter is to inform your company that I want to dispute the following items below on my credit profile.ComenityBank/Victoria. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today! 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I talked to  XXXX  or someone a t Le  xington law. He told me that the medical bills on my credit report would not be a problem to resolve. He showed me plans on the Lexington law website and when I saw the price I told him that was to o high and I was n't interested. He said sir I have a plan for {$24.00} a month. Then he told me that I needed to pay {$14.00} for a credit report. I was on a computer at the library and we did what I have been doing, disputing the collections of  XXXX  collection accounts. I am  a veteran and t he medical bills I am disputing for the last year are still on there. The doctors and hospital never bille d the VA.   He said he would take care of them for {$24.00}. He lied to me during this time I ran out of time on the library computer. I had forgotten about it. I checked my bank account it showed he had taken out {$110.00}. On  XXXX  and  XXXX . I called  Lexington   law and they told me that I had authorized the transaction. I told her I did not. she told me that they had my signature. She then told me that she would refund {$60.00}. I told her I wanted all my money back. She said she would refund {$60.00}. and said it would be in my account in 2- 3 days. Lexington law lied to me took money from my account that was not authorized by   me.   Please help  XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> Credit Bureau Dispute Department XXXXubject : Formal Dispute of Inaccurate Credit ReportinXXXX under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 
Inaccuracies and Violations : Closed Account Due to Inactivity Still Impacting Credit Score The account is marked as " Closed due to inactivity. '' This closure reason should not negatively impact my credit score. Reporting it in a way that affects my creditworthiness violates 15 U.S.C. 1681e ( b ), which mandates accurate reporting.

Unverified Account Closure Reason There is no documented proof that the account was closed due to inactivity rather than voluntarily closed by me. Inaccurate reporting of the closure reason may be misleading.

Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report.

Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability.

Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX