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

To Whom IT May Concern My name is XXXX XXXX. On XX/XX/2022. I submitted a dispute letter to XXXX. I saw many addresses that were not mine as well as other information. So, as a consumer, I sent a certified letter to dispute this information. I asked them to please send me my report after the investigation and how they verified it but, nothing ever came. I just happened to log on to my profile and saw that all my information was verified. How though when nothing was sent to me in regard to what they did to verify my dispute. I asked for the credit report in my letter and the means they used to verify this information was mine. 
I sent a utility bill to show my address as well as my ID. Still nothing. Two proofs of residence and they still refuse to remove all the other addresses besides the only one I currently live. My current address is XXXX XXXX XXXX XXXX Apt XXXX, XXXX GA XXXX. As of today XX/XX/2022, I still do not have an updated credit report from them. I called as well to ask them about their verifcation process and nothing has happneed. They told me they verify with their source and then I asked them what source casue these addresses are not mine they didnt say anythign but ok we updated and thats it. I take my credit very seriously and with these collections that are not mine as well as, addresses and phone numbers that are not mine are disturbing. I hope that this issue is taken seriously and that my character as well as my credit report will be reported moving forward. 

They left threatening messages on two family member voicemails directed to me, since they don't have my phone number. They said that the police was involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get a copy of my credit report and also remove the fraud alert from my file. I have sent letters and every time I call I am unable to get my report or have the fraud alert removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Account : XXXX XXXXT ( Original Creditor : 10 XXXX XXXX  ) Account # : XXXX has violated my rights. 

15 USC 1681 Section 602 states 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 not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my dispute letters to Transunion and XXXX regarding incorrect personal identifiers, negative accounts that were not mine and inquiries that I did not authorize. As of today those negative accounts are still on my credit causing a negative impact on my credit score and my financial ability to obtain credit. I have asked for validation of said accounts and have not receive the proper validation that has been asked and requires when disputing a negative mark on ones credit. I have as for the Credit Reporting Agencies to provide proof from the furnisher of said debts or DELETE from my account but I have not receive what I have requested. Items that they state by way of correspondence are still on my credit and I asked that they be BLOCKED in accordance to Section XXXX of the Fair Credit Reporting Act. I have asked directly for Transunion and XXXX compliance under the Fair Credit Reporting Act to validate accounts or remove them from my report and they have failed to do so. My next step will be to seek legal action because they have continue to violate my consumer rights under the FCRA and I have sent several request asking for validation or deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Equifax was sent a SECOND letter via certified mail ( copy attached ) detailing violations to 15 USC 1681. This corespondence was complete with detailed company names, account numbers, and law violated. A copy of state issued drivers license, and social security card were included. As of todays date Equifax has not responded to any of the items questioned in that corespondence. On XX/XX/XXXX Equifax responded to my first complaint with CFPB that they needed more information despite this same information being given to them in ( 2 ) seperate letters of correspondence.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally request the removal of certain debt collection entries from my credit report. These entries, listed below, have not been properly verified by the debt collectors, in violation of the Fair Debt Collection Practices Act ( FDCPA ) : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$1300.00} Despite my formal request for debt validation sent to the respective debt collectors on XX/XX/year>, they have failed to provide the necessary documentation and proof of the debt. As such, these entries are inaccurate and should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Money transfer, virtual currency, or money service

My son needed to borrow {$50.00} for an emergency I sent him the funds via XXXX  After him not receive the funds after about 15 minutes I checked and discovered XXXX  took my {$50.00} and applied it to a disputed alleged balance due them. I attempted to recall the funds and file a dispute I was blocked from doing so. 
This to me is theft of my money. If they are actually due the amounts due ( and not just them saying they're owed the money ) they should be required to inform the sender these funds maybe impounded and not sent to the person they were sent to. This is tantamount to legal theft. I'm a retired XXXX  on only SS and {$50.00} is a lot of money to have stolen from me when I can least afford it.
Product: Bank account or service

On XXXX/XXXX/XXXX a check was submitted for withdrawal for {$1400.00} leaving a balance of {$300.00} however it was returned. A fee of {$35.00} was taken from my account leaving a balance of {$300.00} on. XXXX/XXXX/2016. 
On XXXX/XXXX/2016 it was returned back into account leaving a balance of {$1700.00}. 
It should have never been an insufficient returned check nor charged.it was embarrassing. To have my first months rent returned when the money was available. 
I would like my {$35.00} returned into my account.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with TheXX/XX/XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

My information was apart of the Equifax data breach, I checked my credit report and I am a victim of identity theft. XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX I did not authorizethese accounts and have no knowledge of these accounts
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXX, has violated my rights. 


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: Debt collection

Medical Data Systems has been reporting a collection that they allegedly opened on XX/XX/16 for Wellstar for {$150.00}, but XXXX   does not have any record of a visit or a debt owed. The false reporting to all 3 credit bureaus has had a very negative affect on my credit rating, and I would like it removed. XXXX has confirmed that they have no record of this debt, and that Medical Data Systems is reporting falsified information to the credit bureaus.

My Guarantor ID with XXXX   is XXXX.
Product: Checking or savings account

I don't remember too much update but this night I was waiting for my paycheck and when I check my account there was about {$5000.00} in my account then all of a sudden there was XXXX in my account And so I so quickly switched any logged information in all that I was afraid someone had my information lo and behold a hacker had gotten ahold of my stuff and even sent money from one of the apps and USAA a said that it was my fault there's nothing they could do and I've complained multiple times and they've told me to luck
Product: Credit reporting or other personal consumer reports

I was getting messagesfrom protect m I'd that someone from the dark web was using my XXXX account. So I became a paid subscriber to Experian credit reporting. I requestedreports from all 3 agencies Experian XXXX and XXXX as i am an irs bonafide identity theft victim since XXXX ( it startedabout XXXX ) There was a XXXX bill from XXXX i questioned of Experian as XXXX had it paid in full and Experian had me paying XXXX a month as arranged ( i made no payments i never made court arrangements ) because I asked a question they lowered my score by XXXX points and added XXXX to the debt which I don't see how they could do that. Then I had asked about a subscription to credit boost prior to this happening and told them I was subscribed to boll pay through my bank. Experian then wanted my XXXX XXXX  user name and password ( I didn't give it to them ) immediately I unsubscribed to their services as a paid subscriber and immediately I began receiving a message from protect my id that my social security number was being used by someone on the dark web. 
I paid utilities on time each and every account ohio XXXX XXXX XXXX XXXX XXXX Rent car payments insurances t-mobile for years without ever being late. 
Now I've had to delete bill pay at XXXX XXXX  as for the first time I received a late charge in t-mobile for a bill that was actually paid early. Someone at XXXX XXXX  is rearranging debits etc and actually tried to make me pay ohio XXXX XXXX when even ohio XXXX has marked the bill paid. I'm leaving XXXX XXXX  soon -- seems collusion of some sort with Experian or someone created a pass through account getting their own bills paid first ( embezzlement/bank fraud etc ) something is not right at XXXX Bank and not right at Experian. 
I am XXXX XXXX XXXX and still must work because of identity theft. I Im not on social security as it would cover basic needs though I've worked all my life -- whoever doing this hit early on. I'm single my ex-husband passed. I live alone pay my taxes volunteer everywhere. I'm a substitute teacher/therapist. 
I think my ex brother-in law a felony and his son may be involved as he started threatening at the funeral but my ex never left me anything. Suspects : XXXX XXXX XXXX and son XXXX. Other suspects sure may have involved anyone who would help them they are cons. Please help me
Product: Vehicle loan or lease

Call from ( XXXX ) XXXX Claiming to be Ally bank, collecting late payment on auto loan. They knew my name and I foolishly gave my social. But they didnt have my address so then I knew something was wrong.
Product: Credit reporting or other personal consumer reports

I checked my report on XX/XX/2024, and noticed some things are incomplete and inaccurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following accounts are not complete and accurate. 
[ XXXX XXXX ] [ XXXX XXXX ] . 
[ Dept EDXXXX XXXX XXXX ] [ XXXX XXXXXXXX ]
Product: Credit reporting or other personal consumer reports

I am writing to request an proper investigation of the following information that appears on my consumer report. I have NEVER opened or used the following accounts, & I have sent multiple disputes out that I believe was never truthfully investigated. Some companies were removed from one bureau but still remained on the other two, then a few months later eveything came back. I have never used, obtain credit or owned any of these following accounts listed. 

XXXX XXXX acceptance Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was part of the XXXX and XXXX data breach. My information was compromised. I have taken the necessary steps to put a lock/freeze on my credit report to prevent this form happening again. I have several hard inquires from companies that I didn't apply for credit nor authorize them to so. I have tried to reach out to the companies along with the credit bureaus to try to get these inquires removed and have had no success. Some of these same inquires were also on my wife credit report. An have been removed from her report. This is affecting my credit score as well as my well as my ability to apply for credit now or in the future due to too many inquires. I makes me look like a high risk. Also I have to keep a certain imagine up due to certain security clearances for my job.
Product: Debt collection

Portfolio first contacted me in XX/XX/2021. I sent a letter to cease and desist communications until they validated the debt. They failed to do so and now the phone calls are back and was also threatened with harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

This serves as my follow up submission of my concern regarding these listed inquiries which I sent a letter to the XXXX, Equifax and XXXX Credit Bureaus dated XX/XX/XXXX. I am reaching out to the CFPB for assistance in ensuring that the aforementioned three Credit Bureaus handle my request for inquiry removal with utmost professionalism. Kindly find below a compilation of inquiries that are either not associated with me or were initiated without my authorization, necessitating their removal : XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As per FCRA Section 605B ( a ), Credit Reporting Agencies should block any information in my file that I identify as resulting from alleged identity theft within four business days of receiving the report.
Product: Checking or savings account

I have many issues with them freezing my account when I try to transfer my money to my bank or even when I try to unlink or link my bank one day they let me and then the next my money is locked and I XXXX have this happening especially since I rely on it for work. I approached them many times they just tell me I need to use a government id to verify I do this it unlocks for a but then locks again and in this case I had just gotten money tried a few different ways to withdraw in wich they declined me each time only to freeze my account and request verification again. My account is frozen right now XXXX with about XXXX dollars, wich is key point to my living expenses and now I have to wait almost a week again to have them review my id again. They would not let me delete my account or anything just continue to tell me to wait for the process is done, this would not be an issue if it didnt keep happening but it has been, and now they are locking money in my account and refusing to unlock it or give me my money. They said its locked due to suspicious activity and they considered me trying to transfer to it my bank as suspicious and then say I have to wait because they have other things to do and then reply just to say I need to wait some more. This money is to help me love and they have no right suspending it with my money in there.
Product: Credit reporting

All of the hard credit checks we 're not mine it was all fraudulent identity theft I never applied for any of those loans or cell phone accounts or any of the hard checks we 're not mine I contacted some companies and they said it would automatically come off my credit report and it has never been taken off
Product: Credit card or prepaid card

For the second time within a 1 year 3 mo this company XXXX XXXX has opened up a line of credit. This time an amount of XXXX was used at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dates of the transaction are XXXX XXXX. The statement for the account goes from XXXX XXXX to XX/XX/2022. The account number that has been opened with XXXX XXXX is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is XXXX. I have also tried to reach out to XXXX XXXX and no one is available. 
I have flagged accounts through the FTC, XXXX, and XXXX.
Product: Credit card or prepaid card

I have dealt with many consumer store credit cards, but I have never had an experience like the horrible one I have had with the Home Depot Consumer Credit Card. Please note that I am usually someone who is very careful with credit and paying bills on time ( as evidenced by my credit score ). 

I first reported to the Home Depot Customer Care Team ( now managed through Citibank ) that there were charges on my account that I didnt authorize back in 2020. After multiple calls, letters and escalations, I still never received any action from them and I continue to get bills for charges that I didnt authorize.

All Home Depot/Citibank did was give me a new credit card and transferred all of the balances to the new card. They even charged me late fees and reported lates on my account after I was calling every week insisting that I shouldnt have to pay for the charges that were under their review. 

After a series of run-arounds, getting transferred from representative to representative - I continue to only be told that their security team would get back to meafter over a year, I am not holding my breath. 

The experience with this company has made it very hard to want to continue to work with them.
Product: Checking or savings account

I deposited a Cashier 's Check from the XXXX  XXXX XXXX across the street in the amount of excess of $ XXXX. The teller did not catch that the check was missing an endorsement and went ahead and deposited my check. XXXX  XXXX XXXX paid this invalid check and Citi closed my account or " fraud ''. They have held my life savings for nearly 60 days. 

I keep getting different answers to if I will get my money back and nobody at Citi can provide any assistance. 

I have not been provided any documentation outlining the reason for the account closure and have not been provided a method to get my funds back. Citibank and stolen my money to invest and gain profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ). I have previously asked all three ( 3 ) credit bureaus : XXXX, TransUnion and XXXX to disclose how they have verified the bankruptcy information that is being reported on my credit report. I have asked that the following information be provided with the proof of verification : Method of Verification If the listing gets verified and remains you have the right to request the credit reporting agencies method of verification. Request the credit reporting agencies send you the following : ( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. II ) To date I have yet to receive the requested information. I have been told that pursuant to the Bureau 's investigation, that the reported information is correct. III ) FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of re-investigation states in pertinent part, " if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available IV ) Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. V ) Pursuant to FCRA, Section 611, the Bankruptcy Court is the furnisher of information, and not a third party source such as XXXX or XXXX XXXX. VI ) None of the Bureau 's have provided evidence that they have conducted a direct investigation with the Bankruptcy Court. VII ) Furthermore, in XXXX 2017, I III ) In XXXX 2017, I confirmed with Bankruptcy Court listed below that it does not directly report to the credit bureaus. This would explain the inability of any of the Consumer Reporting Bureaus in providing the requested information. U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX VIII ) For the reasons provided above, the credit reporting agencies are in violation of FCRA, Section 611. In conclusion, the reported Bankruptcy information should be deleted.