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

I CALLED ALL THREE CREDIT BUREAU 'S I'VE CONFIRMED WITH THEM THAT THE ACCOUNTS HAVE BEEN PAID AND CLOSED.. THEY CONFIRMED THAT AS WELL.. THEY TOLD ME TO CALL THE CREDITOR ABOUT IT..THEY TOLD ME THEY'D UPDATE THE ACCOUNT AND REPORT TO THE CREDIT BUREAU 'S THAT EVERYTHING IS PAID ON TIME AND NO MISSED PAYMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

Auto loan was originally opened with myself as co-signer, vehicle was not in my possession. Primary refinanced vehicle to have me removed from auto-loan. As of today, reporting is not up to date and reflecting incorrectly having my name attached to loan still.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed both of my XXXX XXXX XXXXXXXX account on XX/XX/2014 On my Early Warning report bank reports " Consumer Removal Date XX/XX/2014 The phone number on the bank reports doesn't belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Ive noticed a series of unauthorized inquiries/ activity on my credit report. Some Ive been able to resolve, some I havent. 

Ive personally reached out to these companies as well as the credit bureaus individually ; the rebuttals have been ambiguous. 

Its prudent that these issues are resolved expeditiously because Im in the process of becoming a first time home buyer. Im also a business owner. An accurate credit profile will be advantageous in regards to achieving my goals/ expansion. 

The companies and inquiries are listed below. I will also attach documentation sent out to each company in efforts to rectify the situation. 

XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX One Main Financial XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX One Main Financial XXXX XXXX XXXX  XXXX of XXXX. XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Car Care One account closed on XXXX XXXX, XXXX for no apparent reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, XXXX Dear XXXX, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX Inquiry I believe that these items are inaccurate and do not reflect my true credit history. As per the Fair Credit Reporting Act, all information reported on my credit report must be accurate and verifiable. However, the items listed above are either outdated, incorrect or do not belong to me. 



Regarding the late payment accounts, I would like to inform you that I have been a responsible borrower and have always paid my bills on time. Any late payments made were due to unforeseen circumstances and were not a result of my negligence or inability to pay. 



As for the charged off accounts, I dispute their validity as I have no record of any outstanding debt with these institutions. I request that you provide me with detailed information on these accounts, including the name of the creditor, the account number, and the amount owed. 



Furthermore, I request that you investigate the inquiries made by XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I do not have any business dealings with these institutions and I am concerned that my personal information may have been compromised. 



I kindly request that you remove these items from my credit report or provide me with evidence that proves their validity. I look forward to hearing back from you soon. 



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

XX/XX/XXXX, I received an update via report # XXXX through my email. I could n't access the dispute results so I phoned Experian at XXXX ( call lasted 27m and 53s ). An Experian rep stated that " XXXX stated that the account will remain on my credit report. '' I asked the rep if XXXX sent proof to validating the charges and its correct status. The rep stated that XXXX did not. I informed the rep that Experian was allowing inaccurate information to remain on my credit report after I 've disputed this twice already. I already filed a claim with the BBB and the CFPB to report Experian for violating the FCRA. The account shouldve been removed long during my first dispute because the information reported was false information. This was initially disputed on XX/XX/XXXX. Experian is also guilty of failing to properly investigate the inaccuracies and re-aging the date in which the " report '' was made by XXXX. I filed a complaint # XXXX against Experian on XX/XX/XXXXfor failing to investigate the dispute filed on XX/XX/XXXX against XXXX for inaccurately reporting the balance owed. On XX/XX/XXXX, I received an update to my credit report with no mention of an investigation against XXXX 's inaccuracy or it 's current status. On XX/XX/XXXX, I disputed the inaccurate balance reporting on my credit report again, from XXXX, through Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I tried to temporarily unfreeze my account. I gave the representative my ten digit pin and answered a barrage of questions about my present and past loans, as well as ss #, dob, and address. I was told I did not pass the verification of my identity, and would have to wait 5 to 7 business days after submitting a copy of my ss # and driver 's license via fax to get a response. This is untenable for a business that builds their business revenue model around rapid access to employee info. and suggests more of an XXXX attitude to the general public who do not have to pay for this service. I needed access to my credit report ASAP and what I got was beaureaucratic subterfuge. Suggests to me that Equifax does not care what we think and will hide behind the screen of " protecting credit information '' in order to drag its feet. This is the era of 1 to 2 seconds. Why is it taking 5 - 7 days. Why any waiting time to access my information when I answered all of the questions factually?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed  XXXX  unverified accounts and unauthorized inquiries. They previously wrote back that they would n't be re investigating the accounts. They sent me a fraud alert from to inform me that a fraud alert had been placed on my account then turned around and sent me paperwork of not being able to locate my credit report.
Product: Checking or savings account

I had identity theft and now Chase refuses to refund my money. 

On XX/XX/year>, a woman had enough of my personal information and was able to call Chase to order a debit card in my name. She got the debit card shipped to an unfamiliar residential address, then picked up the card on XX/XX/year>. On XX/XX/year>, proceeded to spend my money with various vendors. She spent about {$3200.00} total, between withdrawals and debit card purchases. 

I was able to find the owner of the address the card was sent to and he provided ring footage of this woman picking up my debit card. I shared this footage with Chase. 

Chase is saying because she had my debit card along with the pin, that I authorized these charges and therefore can not get my money back. However, the woman was able to create her own PIN number when she ordered the card. I provided video footage of the woman picking up my card and filed a police report. Chase is still refusing to give my money back. 

I was able to get the withdrawals back, but not the {$1600.00} in debit card charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report inviolation of federal law. Please remove or update the following accounts completely frommy Credit Reports : XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$56.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reportingXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 2. there is some inaccurate information reporting. Account XXXX : XXXX Please remove it from my credit report. 3. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 6. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

The late payment showing on this account from XXXX of XXXX is completely inaccurate. I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.
Product: Debt collection

XXXX   XXXX , they had begun to chagrining me all kind of elaborate amounts for billing, every bill was more the he last amount. I called almost every month trying to get some resolution to the billing. They would say the are correcting it  to one amount but  they never did the next month it was worse. I have asked to speak with supervisors and management its always they will call me back but I never got a call. They would call my sons numbers on the account but would never call me even after they were given my number to call. In  XXXX   XXXX  I decided to just pay the equipment amount and take my numbers off as well as pay the phone bill. The phone rep  XXXX  agreed that it would be ok, so I pay what was due plus the equipment, I was suppose to have  XXXX  more bill it was back to  XXXX  dollars and they used the  XXXX  dollars I paid to pay off the phone amount they say I accumulated. But it did not work so finally I had it down to  XXXX  phone number in  XXXX  and they continued to bill over, I removed all phone numbers, by this time I owed  XXXX  dollars, outrageous. Then in  XXXX   XXXX  a collection agency called convergent sent me a bill for  XXXX , I agreed to pay off because I am so tired of them but the amount kept increasing and I canceled the phones. Forward to now  XXXX   XXXX , the bill is now  XXXX  dollars and they have placed it on my credit report when I have been in contact with them for a dispute about the enormous amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had made an error reporting a Hard inquiry by XXXX XXXX - XXXX and told me over the phone the inquiry isn't even mine but have done nothing to remove it, no emails, no calls, nothing. they have my name reported incorrectly and have not updated my address in seven months, the other credit bureau XXXX  has done everything correctly but Equifax has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have continued to violate my consumer rights even after the multiple attempts to inform them of the fact. At this point it is consider willful defamation and I am sending a NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Despite three written requests, the unverified items remained on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following account be deleted immediately : Bankruptcy. 


Enclosed you will find a letter from the United States Bankruptcy Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries : 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: Debt collection

This is a medical debt that was sold to another company that is one a Hipaa violation, second the debt was never verified as being mine, and if this was mine XXXX should have been billed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff or ( XXXX  ) days late on the XXXX   partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I have been faithfully paying on this account every month for years to XXXX. I was not aware that this account was reporting derogatory information until I recently obtained a copy of my credit report. I was never notified by XXXX that this account had been sold to another lender. It is clear that the new company who purchased this student loan debt was not applying the payments I was making monthly to XXXX. I have attached a copy of my statements showing my timely monthly payments. Consequently, because my monthly payments were not being applied correctly, this has caused the derogatory reporting on my credit report. I have contacted XXXX along with the bureaus to remove the collection/chargeoff and lates however, I have not been successful. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX, and Dept Of EdXXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXDepEds customer service representative.
Product: Vehicle loan or lease

I took out a loan from Santander Consumer USA Inc. 
XXXX. XXXX XXXX XXXX XXXX, TX XXXX Early in XXXX for approximately {$32000.00} to purchase a boat. This was a 15 year loan with payments of {$350.00}, the maturity date of this loan is supposed to be XX/XX/XXXX, but as of XX/XX/XXXX, Santander says I still owe {$16000.00}!! in 15 years my principal amount has dropped by almost half after paying in approximately {$64000.00}!!!!! I have read many complaints of this happening to a large amount of people doing business with this company. I have talked with individuals of this company on a few occasions and no one can or will tell me why, I get the run around from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX HAS PLACED A NEGATIVE COLLECTIONS ON MY CREDIT REPORT EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED  AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY EXPERIAN CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE XXXX - XXXX RANGE. 

EXPERIAN CONTINUES TO REPORT THIS INACCURATE INFORMATION EVEN AFTER I MAILED TO THEM COPIES OF THE USPS POSTAL INSPECTION SERVICE CRIMINIAL INVESTIGATIONS DIVISION REPORT AND COPIES OF COURT ORDER SHOWING THE APPOINTMENT OF A FINANCIAL CONSERVATOR ABSOLVING ME OF FURTHER RESPONSIBILITY AND DUTIES AND ABILITY TO HANDLE MY OWN FINANCIAL MATTERS SINCE THE CONSERVATOR RE-DIRECTED ALL MY MAIL TO HIS OWN OFFICE AND ENGAGED IN MISMANAGEMENT OF MY ACCOUNTS AND FINANCIAL DISHONESTY BY BILLING FOR HIS OWN ACCOUNTS FIRST AND TELLING THE COURT HE HAS BEEN PAYING MY ACCOUNTS AND CHARGING ME FOR DOING SO.
Product: Checking or savings account

On XX/XX/XXXX, I notified US Bank 's fraudulent department that a non-authorized, fraudulent draft check in the amount of {$990.00} was paid to the order of QB Accounting Services from our account. This is not a known repeat vendor of our company nor was it eve authorized for payment. 

After repeated calls to the US Bank asking when investigation would be completed and funds returned I have been told they will contact us whenever they finish their investigation. I understand this issues should be resolved within 45 days of reporting. US Bank has not contacted me in writing confirming my filing this claim with thier fraud department nor have they outlined steps that will be taken in the resoluton of this and by when. 

This money has been deducted from the account since XX/XX/XXXX. I previously reported this to their fraudulent department on XX/XX/XXXX but they claim they have no record of my phone call. On XX/XX/XXXX I personally wentt to the bank and filed an Affidavit of XXXX XXXX XXXX and stil have not received any communication from the bank. XXXX claim ID # XXXX