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

I resided at an apartment complex from XX/XX/XXXX-XX/XX/XXXX. I was signed on to the lease a few weeks after the original leaser ( my roommate ). After graduation, I left the apartment complex a few weeks before my roommate, as I was moving out of state. I called the complex and confirmed with the apartment complex leasing department that the account had been paid in full. My roommate was issued a refund on her deposit, though the complex had taken money out of the deposit, she still received a refund. Although the account was paid in full to the apartment complex, I paid my roommate {$150.00} dollars to cover my share of what was taken out of her deposit and any final utilities. 

Fast forward two years, in XX/XX/XXXX, I received an alert on my credit regarding a collections account from XXXX XXXX  XXXX apartment. Considering the account was paid in full and that I, nor my roommate, had never been contacted by the complex via phone, email, mail stating there was now a balance due, I have no knowledge of the account, nor believe it to be a valid debt. As such, I disputed the collections with the credit bureaus. XXXX and XXXX deleted the account from credit report within 2 business days. Equifax refuses to. 

I submitted my initial dispute with Equifax in XX/XX/XXXX ( Dispute # XXXX ). It took over 2 weeks from them to return to me stating that they confirmed the account belonged to me. I called on XX/XX/XXXX to inquire about their finding. I explained the situation above and asked if they had obtained proof of the validity of the debt, such as a final bill. The rep told me that they just confirmed it belonged to me. I then brought up the fact that the other two bureaus launched a similar investigation and have since removed the account from my report and asked about why Equifaxs findings were different. The rep immediately changed his story and advised that I had not filled out the dispute correctly, hence the discrepancy ; however, he would submit a new dispute ( correctly ) on my behalf to get the account deleted for me. I asked how I completed my original dispute incorrectly, as I followed all of the online prompts, and he essentially told me not to worry about it, since he was going to submit the dispute correctly for me. 

The rep submitted a second dispute on XX/XX/XXXX that concluded with the same results as the first dispute on XX/XX/XXXX. He submitted the exact same information as my initial dispute, which resulted in the same findings - that the account belonged to me, when I specified that I wanted them to confirm that the debt was valid. 

Though this particular complaint is primarily for Equifax, the apartment complex in question has a reputation for doing this to previous tenants and probably be investigated as well. I have attached numerous complaints from prior tenants ; however, I understand if this is outside of the scope of the CFPB.
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the XXXX, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( XXXX ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a XXXX XXXX XXXX status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts and Inquiries that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX AV XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX Bank XXXX XXXX : Once written off as a profit and loss write off/charge off I was not provided with a XXXX form. Instead they are still reporting on my credit report that I owe the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; Ally Financial XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2018, I did a balance transfer for {$1400.00}, however XXXX ( XXXX ) debited me twice and started charging me interest on the mistaken debit, as if it were a purchase. I called them to dispute this and they agreed that there was an error on their part and would credit me the {$1400.00} plus any interest ( {$140.00} + two addition months @ {$20.00} ) charges ... which they did. However, they reversed the credit last month. I called back and spoke to a supervisor last week, who didn't understand why they would reverse the credit. He said he would email the person directly who reversed the credit and hopefully, within a week, I would see a permanent credit and the problem would be resolved. To date, I haven't received the credit and I feel I'm getting the " run around. '' This has been going on for about a year and I have been very patient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account from XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX That is still showing on my report that should already be deleted. My address is XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ALL THESE ADDRESSES ARE NOT ACCURATE PLEASE DELETE. 
I have a unverified public record that needs to be removed OHIO XXXX XXXX DOCKET # XXXX it is not to my knowledge listed properly please delete error. Then there is this account XXXX XXXX XXXX XXXX # XXXX I do not recognize this company never had a contract for business and never heard of them please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, To whom it may concern someone fraudulently applied for a credit card in my name. They never were able to verify my identity so there was no account open. However I had an unknown hard inquiry on my Equifax report from XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX which brought my credit score down through no fault of mine, which was flawless prior to this. I tried to dispute it online the next day but wasn't successful. Next I called Equifax and explained the whole situation to the representative. He informed me that I would only be able to get it removed with a hand written cover letter explaining the situation and some documents ( social security card, two forms of personal ID, bank statement, Federal Trade Commisioner report ). As requested I mailed them right away and called them to find out, was informed this can take up to 2 weeks for them to recieve. I checked again in 2 and even 3 weeks but they still claimed that they never received it. They asked me to resend it or fax it so I went to my local bank and asked them to fax it for me as I do not own a fax machine. Then they said they received it but are still unable to remove the inquiry due to some issue which they didn't explain very clearly why. I have then tried to call XXXX XXXX credit services and spoke to the representative, he claimed that he understood the situation but then after putting me on hold for 40 minutes I had another credit inquiry from the same company on XX/XX/XXXX. When I asked him why that is he said not to worry and that both inquiries will be removed however they are both still there to this day and my score is down even more. I went to my local XXXX XXXX  and explained the situation to the banker on premises. He sat with me for 4 hours trying to call every department and also had no luck achieving anything despite this being his profession. I think this situation is absolutely crazy and extremely unfair to me that I spent the last 4 months calling countless amounts of times, being on hold, repeatedly mailing papers that they claim they don't recieve on the other end and explaining the same situation over and over to people who don't even seem to try to understand what I'm saying and as a result just want to either transfer me to someone else or hang up faster. I really hope Consumer Financial Protection Bureau can step in and help me with what seems to be an endless problem for no wrongdoing on my end. I even received a letter from XXXX XXXX credit services saying that I am a victim of fraud which I mailed to Equifax but they also seemed to ignore it. I will attach it here as well.
Product: Credit card or prepaid card

I am a victim of the Woolsey Fires in California. After my family and I were forced to relocate, I immediately contacted all my credit card companies to ask for a forbearance  period as my homeowners insurance was giving me trouble by not issuing payments. I have been forced to liquidate my 401K to pay for additional loving expenses and to replace my personal property that was either ruined by the fire or stolen by the fake contractor hired to "help ". I was denied Fema because I had insurance and after being denied a loan from the SBA due to delinquent reporting by 2 credit card companies who swore I would not have to make any payments and would not have negative credit reported.
Needless to say, My once perfect credit is now ruined. I was not able to get an SBA loan because of these banks mis representation of my account status. To make matters worse, I never opened the Wells Fargo credit account, the bank illegally did that for me when I opened a savings back in 2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I submitted 4 disputes and never got a update.
Product: Credit card or prepaid card

Chase-Slate credit card : Transactions : XX/XX/2022 XXXX {$590.00} XX/XX/2022 XXXX {$390.00} XX/XX/2022 XXXX {$390.00} I purchased the service of creating a working website from XXXX within 2 weeks of XX/XX/2022. I was in communication with various people, mostly XXXX, at XXXX frequently. A non-working attempt was presented to me on XX/XX/2022. The entire purpose of this website was to receive hopeful future customers when said customer completed the " contact us '' area and submitted their info to our email. This never could work and I spent multiple calls trying to get this functional. XXXX indicated they had this problem with many clients. However, they couldn't get it to work. I asked for reimbursment to which I was declined. I then disputed all charges with the 2 credit card companies I used. Bank XXXX XXXX VISA immediately reversed charges without difficulty. Chase VISA asked for documentation which I provided. They declined disputes indicating it wasn't a billing error, nothing pertaining to the complete lack of product/service that was purchased. I again disputed and sent in documents again-this time to numerous Chase employees that should be concerned and again this was declined with a final note that any future correspondence regarding this issue will be ignored. I have a complete file of documentation now plus I've sent you by mail a good majority of it. You responded to my email indicating to submit on line. Please refer to ALL the good documentation I sent by mail to back this up. This is not right, I have nothing to show for this {$1300.00} plus interest which I have finally paid because I didn't want interest to grow anymore... Please help this receive justice and what is correct. Please don't allow this company to take advantage of me.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX, Transunion, and XXXX credit report on XX/XX/year> and noticed some things are incomplete with adverse information and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) PROMPTLY notify the furnisher of that information that the information has been modified or DELETED from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

I have XXXX bill for XXXX I was contacted by XXXX-Jefferson Capital and offered a settlement for XXXX and I would make payments of XXXX monthly until it was paid. 
I agreed to the settlement only with the stipulation that it would be removed out of collection on my credit report and the balance be updated. Also show to be in repayment. 
I made a payment on XX/XX/2019 and XX/XX/2019. 
I just got a notice from XXXX  that this is still reporting in collection and nothing has been paid on it and balance is still XXXX. 
I upheld my part of this arrangement. I am making the payments. Jefferson and XXXX are not upholding their part of the agreement.
Product: Mortgage

I had a ELOC with the Pentagon Federal Credit Union. Once the ELOC matured i spoke with someone with member services and discussed options. I was told that I could apply for a new ELOC. I did. At the same time I received calls and letters from PFCU on my past due notices. I responded to the calls and letters. Each time I was told that since I applied for the new line of credit and the application was pre qualified there was not a problem. I was told that the letters were automated. 

Notwithstanding, I was hit with a penalty and an adverse report to the credit bureaus. I called PFCU. I said they repeatedly made representation that I detrimentally relied upon. I was told there be no remedial action to my situation. I told them if I had known the consequence to my credit I would have just paid off the line. The ELOC was approved but I just paid off the line anyway. I have asked them to correct the reporting to the credit report and remove the penalty. PFCU has failed to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was behind on two payments but even though I was behind, they were still deducting a payment from my checking account each month. I called the company to pay the {$250.00} I was told I was behind on and which is also on my credit report and the representative told me that I owed them over {$1000.00}. After several minutes of trying to get her to explain to me why I had to pay over {$1000.00}, the rep told me to hold on while she updated my account, hung up on me and never called back. My monthly payment for this loan was {$110.00} every two weeks and payments were taken out of my checking account up until the month of XXXX which you see they started reporting it as late for three months, XXXX, XXXX and XXXX. I am able to provide you with my bank statement showing these payments were deducted from my checking account up until XXXX of this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and saw a lot of incorrect information. I disputed this information with the bureaus XX/XX/21. I have not received a response nor have I seen any changes to my credit report. The erroneous items on my report has caused me tremendous stress.
Product: Credit card or prepaid card

- Dispute ID : XXXX - Transaction Date XX/XX/2021 ; XXXX XXXX XXXX, XXXX XXXX, NV ; {$6400.00} - Complaint filed with Citibank stating unknown vendor ; no contact info about the vendor - On XX/XX/XXXX, Citibank approved the charges ( without providing any proof of the transaction from the vendor ) - After multiple follow-ups, the dispute is reinstated, however, no resolution to-date ( XX/XX/2021 )
Product: Checking or savings account

Complains about East West Bank XXXX XXXX XXXX illegal opening of business Account on XX/XX/XXXX I, XXXX XXXX and XXXX XXXX, the couple, jointly own XXXX XXXX XXXX XXXX. Both are the directors of XXXX XXXX XXXX. 

It comes to my attention that XXXX XXXX has circumvented the corporate procedure and opened a corporate account by himself in the East West Bank XXXX XXXX XXXX on XX/XX/ with more than {$300000.00} without any corporate resolution of all directors and the signatures of all directors. The account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting inaccurate and unverifiable information and has affected my lively hood. Because of this, I have been denied jobs, housing, and credit lines. Below I have attached a screenshot of the accounts that are inaccurately reporting per consumer protection law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Note To Agent Is Notice To Principle Note To Principle Is Note To Agent.!! 

I XXXX XXXX, I am a victim of identity-theft. I am writing to request that you block the following fraudulent account in my file with Experian. This information does not relate to any transactions I made. I have Sent out multiple letters with my concern, telling Experian That I was a victim of identity theft. This recent Letter was received and signed by employee XXXX XXXX here is the tracking number ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023, I also attached a copy of this as well signed receipt. Once again 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 The Better Business Bureau, 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 have also reached out to original creditor just to confirm that this XXXX XXXX XXXX XXXX  # XXXX Indeed identity theft, I have attached this Certified mail receipt to XXXX XXXX As Well. I have Made multiple Attempts for Experian to remove this fraudulent account. And feel that I must Take take legal matter. I also 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 application to prevent future Issue. Attached to this document you will see my FTC Report and Prior complaint number from case related to this Fraud Unverfied West Gate resorts. Remove this account at once or neglect my rights as A Consumer and knowingly hinder my financial health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 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. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report.