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

I was a victim of identity theft and this is another request to block and remove the information from my credit file resulting from the identity theft. My information has been exposed in the Equifax data breach. The following accounts, inquiries, and inaccurate addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/ any accounts and information not later than 4 business days after XX/XX/XXXX. I need you to remove the following items off of my Credit File : 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 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 Ive already included this report in my previous complaints & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX XXXX Im contact the credit bureau about my name and address on my credit report also I send them proof that the names and addresses they have listed on my credit report was not my, I have one name that I have used though out my life and would like this corrected.According to the fair credit laws anything on your credit report supports to be accurate and correct. Names thats not corrected XXXX XXXX XXXX and XXXX XXXX XXXX and addresses that not corrected is XXXX XXXX XXXX XXXX Tx XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX Tx XXXX also removal of all accounts attached to these names and addresses.
Product: Debt collection

In   XXXX   XXXX   I 've received a letter from a collection agency named : GC Services requesting me a payment or to contact the borrower service department to resolve my defaulted Student loan which I did. In   XXXX   XXXX   I signed the Rehabilitation Assistance Forms and sent my first payment to them in    XXXX   XXXX   . They collected at least  3  payments of {$5.00}. They stopped in   XXXX   and the Department the  Education  contacted me and told me that they do n't have that information in records and my student loans are still defaulted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX  XXXX Bankruptcy 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 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: Debt collection

XXXX XXXX XXXX did not provide adequate verification for debt question. No documents were provided showing a contract or signature.
Product: Money transfer, virtual currency, or money service

I banks with XXXX XXXX XXXX XXXX and I sent over a total of XXXX dollars through Zelle to buy XXXX off of a person and he never shipped them over and I can not get the money back and I can not contact the person because he is ghosting me
Product: Credit reporting

Transunion is reporting a Tax Lien that do not belong to me. I have contacted the courts and they provided me with a letter that stated that they did not provide this inaccurate information to Transunion. Please assist me in getting this Tax Lien removed from my credit file. Also, I noticed that the date on this account is outdated. This shows that Transunion has several violations with regards to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX i have been contacting and disputing Equifax Inc since XX/XX/2021 about a late payment that reporting inaccurate, the company did not conduct a reasonable investigation into the matter account name : XXXX ACCOUNT # XXXX Equifax Inc still reporting a late payment on credit report since XX/XX/2021 that wasn't corrected. According to the Fair Credit Reporting Act. 15 U.S. Code 1681c-1 ( a ) ( 3 ) ( 4 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.your role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding consumer dispute. When you contact the furnisher or vendor, you ask that they verify all of the information regarding the item disputed and report back within 30 days of the date that consumer received request. To help resolve the dispute, you Equifax Inc. shall review all relevant documents submitted with the dispute and will forward them to the furnisher if you are unable to resolve the issue. Equifax Inc shall review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, you find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. Equifax Inc able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After you complete the processing, as a Consumer reporting agency see ; 15 u.s code 1681i ( a ) ( 1 ) ( A ) you shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) im attaching all supporting documents such as bank statements to support my calm " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX XXXX XXXX XXXX  XXXX '', '' XXXX '', '' '' " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX XXXX XXXX XXXX  XXXX '', '' XXXX '', '' '' " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX XXXX XXXX XXXX XXXX '', '' XXXX '', '' '' " XX/XX/2021 ''
Product: Credit card or prepaid card

On XX/XX/2020 Ive Used XXXX XXXX To Fill My XXXXTax Return. To Recieve My Tax Refund Ive Given My Current Bank Account InFormation For Direct Deposit But Was Issued A Prepaid Card Called American Express Serve That Had My Economic Impact Funds {$1200.00}. They Have Sent Me A Prepaid Card And It Arrived Here On XX/XX/2020. The Issue Was That The Island I Live Called XXXX Does Not Deliver Mail To Physical Address We Have Mail Go Through Our XXXX XXXX , So There Is No Way I Can Recieve This Prepaid Card. Ive Open My Online Account And Have Access To My Funds. They Have A Temporary Card That I Can Use For Purchases And Send Money But It Was An Issue As Well. It Wouldnt Let Me Activate My Temporary Card To Use. Ive Been Trying To Call Lots Of Times But No One Seems To Answer The Phone Or Not In Service. I Have Tried To Contact So Many Companies And It Seems Helpless. This Was The Reason That I Didnt Want To Happen. Now Im Having Financial Issue Because Of This COVID 19!!
Product: Checking or savings account

I made a dispute to Wells Fargo on XX/XX/XXXX for a transaction in the amount of XXXX for XXXX XXXX Wells Fargo said I made the transaction because I was at the merchant that day and that my card was inserted. I was at the merchant that day and paid {$6.00} for XXXX XXXX cookies and cream. But did not make any other purchases. This account was closed the last statement shows XX/XX/XXXX. I received a letter on XX/XX/XXXX, stating my claim was denied. I called Wells Fargo. All they said was that since I went to the merchant that day and the chip was ready that they are not able to fully dispute the charge and contact the merchant. I have reached out to the merchant with no response due to Wells Fargo not having a timely response and refusal to reopen this case I have to fight with XXXX XXXX for a refund that they probably no longer have records of. The representative talked to me like I should just accept the answer due to me making a purchase on that day at that XXXX XXXX like skimming and other methods aren't a thing.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I see inquries that I did not give permissible purpose to furnish or use my private and perosnal information for financial gain. This is identy theft violation 15 USC1681b ( 2 ). Below are the accounts. 

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 EQUIFAX & XXXX IS ALL REPORTING THESE INQURIES.
Product: Credit reporting or other personal consumer reports

The bankruptcy information currently displayed on my credit report is not only incorrect but highly misleading. The case purportedly indicated as valid and accurate is unequivocally incorrect. There has never been a case brought before a judge, and consequently, there is absolutely NO JUDGMENT associated with it. The absence of a judgment signifies the absence of a casea fundamental legal principle seemingly overlooked in your reporting. 
It perplexes me how a case that was never presented in court is now being reported as valid on my credit file. I insist that this erroneous account be immediately removed from my credit report. Failure to address this matter urgently will leave me with no alternative but to pursue legal action. Please be informed that I have already sought advice from my attorney, and if this issue persists beyond 30 days from the date of this letter, federal action will be initiated against the responsible party. 
XXXX XXXX XXXX  CA XXXX XXXX XXXX.
Product: Mortgage

Nature of Dispute : I would like my VA loan service to accept my payment in full via the online process they provided because I paid in full and early. I am afraid Guaranteed Rate is trying to make me default on my loan and charge me late fees by not accepting the payment that they said I can make. 

Commitment : On XXXX XX/XX/2021, XXXX XXXX, the Loan Servicing Coordinator of Guaranteed Rate, sent an e-mail saying I can pay online for my XXXX XXXX mortgage payment. I have an e-mail for record. 

Money Amount : On XXXX XX/XX/2021, I logged onto XXXX XXXX XXXX with my loan interim loan number. I paid {$2400.00} for my mortgage that is due on XXXX XX/XX/2021 with the online process. I confirmation of the transaction for record. The confirmation # is XXXX. 

Dispute not resolved : On XXXX XX/XX/2021, a person from Guaranteed Rate using the phone number of XXXX left a voice mail for me to call back. I returned the phone call at XXXX and Guaranteed Rate informed me that they are refusing my online payment that I made XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681section 602 A. States I have the right to privacy.

15 U.S.C 1681section 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

I have discovered XXXX ( XXXX ) credit inquiries on my credit report that I have never applied for or submitted my personal information to use. I have contacted XXXX and they are showing all XXXX of the credit inquiries. I requested that any further inquiries into my credit score to " Frozen ''. 
I have contacted XXXX XXXX and XXXX as well. XXXX XXXX and XXXX are only showing XXXX " hard inquiries '' attempted to gain a line of credit from " Capital One ''. 
Below are the XXXX known credit inquiries : XXXX XXXX XXXXXXXX on XX/XX/year> XXXX  XXXX on XX/XX/year> Capital One on XX/XX/year> XXXX XXXX  XXXX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> Again I have never applied or authorized any line of credits or inquiries for any such matter. I do not know how or who may have my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was online and I applied for a personal loan, that I got due to a low credit score. I wondered for days how was this possible if I have always had good credit. I got my credit pulled and saw I was a witness of identity theft. Most of these accounts that were open under my name are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXX {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The company reporting a collection on my credit report has not responded to any of my request to show proof that this debt is mine. This unverified account is affecting my ability to obtain credit.
Product: Student loan

A few months ago, I emailed Nelnet a copy of my DD214 form and asked that the missed payments I have from XX/XX/2015 be removed, due to me being away for XXXX and not being made aware that my deferment status was ending. After checking my report today, to my dismay, nothing has been updated or corrected.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 or other personal consumer reports

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am XXXX  this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting act 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: Debt collection

At XXXX on XX/XX/2021 I received a text message from XXXX ( XXXX ) XXXX purporting that they represent State Collection Service , Inc. ( aka : SCSI ) and are attempting to collect a debt. 
A link was provided, which I did not access, and the option to opt out of these notifications was provided. I responded yes to opt out.
Product: Credit card

Hi, I have a Macy 's Star credit card since 2012. XX/XX/XXXX I lost my card so I called up Macy 's and logged a complaint for it. They immediately blocked my card and told me not make any payments as they are doing investigation on it and they will send a new card. I got the new card in few weeks but post that I did n't get any statements from them neither I did shopping XX/XX/XXXX. In XX/XX/XXXX when I went to Macy 's department store, I finally got to know that they have closed my account for non/late payment and reported my name to credit bureau. 
When I called up to enquire about it, I was actually surprised and traumatized that they are not even bothered if they have closed my account and send my name to credit bureau. They were just asking me make the payment for all the charges. After lot of argument finally they settled my account for the balances and I made the full payments but still my name is still reported credit bureau for the mistake I did n't made. 
Lastly I am the customer since 2012 and I did n't even made one late payment and still they closed my account and sent my name to credit bureau that to without informing me. It is really not expected from them. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax closed my dispute investigation of inaccurate information of a negative account with XXXX XXXX XXXX. Equifax confirmation no. XXXX. I advised Equifax the reported {$24000.00} balance and the XX/XX/XXXX last payment date are inaccurate. My last payment occurred in XXXX which makes this account more than 7 years old now and non-reportable by law. I told Equifax the creditor will not respond to my requests for an itemized statement and payment ledger that reflects all dates payments and transactions starting with a zero running balance as written debt verification under Fair Credit Reporting Act and Ohio Consumer Sales Practices Act, Ohio Revised XXXX Section XXXX et. seq. I requested Equifax require the creditor submit a payment ledger and itemized statement to prove the delinquency date and balance. But, Equifax 's XX/XX/XXXX dispute report confirms the creditor did not submit any written debt verification and Equifax performed no investigation before it closed my dispute. Equifax violated my rights under the Fair Credit Reporting Act as follows : 1. Consumer right to privacy - 15 U.S.C. 1681, Section 602A ; 2. Improper furnishing of account information without or against consumer 's written instructions, 15 U.S.C. 1681, Section 604 A2
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries and view my credit report. Fraudulent Activities has been reported. 

XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Sears/CBNA XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau continues reporting missed payments against me on an account under XXXX XXXX XXXX XXXX. I have attached a copy of the late payment forgiveness letter I received from the XXXX XXXX. The credit bureau needs to update everything to 'Paid as Agreed '. I have never missed a payment on my credit reports ever.
Product: Debt collection

I HAVE A ACCOUNT FROM XXXX XXXX ACCOUNT NUMBER XXXX BALANCE IS {$720.00}. 

I ALREADY DISPUTED WITH ALL 3 CREDIT REPORTING AGENCIES, XXXX AND XXXX  AND XXXX. I REPORTED THIS ACCOUNT AS A FRAUD ACCOUNT I WANT HIS DELETED ASAP. XXXX  ALREADY DELETED THIS ACCOUNT
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX XXXX involved. Please review the uploaded letters.
Product: Debt collection

I have contacted the company/creditor many many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.