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

This complaint reference XXXX, XXXX, Experian, XXXX XXXX, XXXX XXXX, XXXX  as CRA. 

All CRA are reporting inaccurate data. As a Consumer I have erronous and inaccurate personal identifiable information concerning my credit reports from CRA 's listed above. 

I have tried on many occassions to correct the legal status of my reports from all CRA 's listed above. 
Needless to say I can not get anyone in authority to physically comply with my written statements sent by certified mail XXXX of XXXX to Present. 

There are erronous public records and inquires on my personal credit reports that are inaccurate. I have sent legal documentation with SSA Death Erronous letter dated XX/XX/XXXX and XX/XX/XXXX to prove I am alive and that my personal identifiable information mist be corrected by law. 

The response I get from credit bureaus states " information verified '' or " agency can not find files '' or " records ''. 

As a Consumer I believe the inaccuracy have to do with " false death '' initiated in error by SSA Death Master Files that originated in XXXX. 

This XXXX Death Master Files death error originated in XX/XX/XXXX, was corrected by SSA in XX/XX/XXXX. 

I have attempted to correct inaccurate data for approximately 14 years with SSA and CRA 's by certified mail. This involving my personal credit reports by sending a legal court ordered with first name, and last name changed, showing proof of only one current address that should be on file involving all credit reporting agencies that have access to my personal indentifiable information. 

Section 1681s-2 Responsibility of furnishers of information to Consumer 's reporting agencies have been overlooked, and or ignored. 

I AM AWARE THE FCRA STATES THE FOLLOWING ; " A CRA must remove or verify inaccurate or unverified information from its files usually after 30 days when its disputed. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 

The OCR and E OSCAR VERIFYING THIS INFORMATION IS NOT RECOGNIZED AS PROPER VALIDATION. 

Consumer complaint in demand for ONLY CERTIFIABLY COMPLIANT REPORTING and physically verified valid personal indentifiable information. As well as requiste reported to be included on any report CRA create, retain, receive, and or release using my personal identifiable information.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my 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
Product: Credit reporting or other personal consumer reports

I was promised accuracy on my credit report based on Federal Law.

I am making another attempt to have this information removed or fixed.

Under 15 USC 1681 all unverified information promptly must be removed. As you can see in your system you can not validate this information. I request for you to remove it.

Further more the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states in paragraph ( 3 ) the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

DELETE THE LATE PAYMENT from my consumer report. This agency EQUIFAX LLC is in violation 0f USC 15 1681.

Failure to respond satisfactorily with the deletion of the said late payment, and send out a copy of my report after the changes have been made will result in legal actions being taken against your company..

I will be seeking damages for 1. Defamation of Character ( per-se ) 2. Negligent enablement of identity fraud 3. Fair Debt Collections Practices Act 15 USC 1692 violations for willful non compliance - 616 civil liability for willful non compliance 15 USC 1681 n
Product: Debt collection

I found out that there was loan under my name from company called Lending Club. 
Couple months after, my credit point dropped over 100 points, and I started calling credit companies, XXXX, XXXX, XXXX  to dispute for this amount. I have never requested personal loan from Lending club, nor received money. I tried call this loan company, but it is unreachable by phone. I sent an email and they sent me a letter which didnt explain anything about my concern. Therefore, I filed a complaint about this fraud on police department in XXXX, TX. I am guessing someone stole my identity. I have received a letter from a collection company called XXXX XXXX XXXX XXXX which amount of {$13000.00} on XX/XX/2020. I am a victim of identity theft and looking for help to resolve this issue. 
Sincerely. 
XXXX XXXX
Product: Credit card

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly.
Product: Credit card or prepaid card

I had some fraudulent charges on my Citi Bank Credit Card account from last year. In XX/XX/2020 I spoke to Citi bank to dispute the charges and asked for them to be removed and the account to be closed. 
The citi bank rep asked me to make a payment of {$300.00} - which were legitimate charges, which I did, this left a balance of {$140.00} which the agent said would be removed and the account would be closed as i'd requested. On the online account it states 'this account is closed ' To me this meant I would have a zero balance. I have not used the card since. 
Yet, each month I have received a statement from Citi with accrued interest now totaling $ 250+ and the collections department has been called in to collect on my bad debt with Citi . 
I have called Citi Bank on at least 5 occasions over the past couple of months and have been passed from one department to another being told that they would resolve the matter. 
Today I was on the phone for an hour and a half with Citi and was passed to 5 different departments - some twice, and still the matter is not resolved. 
If an account is closed why is interest being accrued? 
I have also written a letter to mail to every citi bank address I can find to try to resolve this issue - there is no email address and all phone customer service seems to be non XXXX Based. 
This is not fair to me, this will also put a negative mark on my unblemished credit report. 
All I want is for this to be resolved as I was told it was in XXXX - now 5 months later, it still isn't and I am paying for it financially with interest accruing each month. 
I want the public to be aware of how dishonest Citi Bank is to deal with.
Product: Debt collection

I was never informed of the debt before my credit was hit. I was never sent documentation stating what the debt was. This company said they would mail me something. I never received it. I wasnt aware of the debt.
Product: Credit card or prepaid card

I was charged by XXXX XXXX XXXX without my authorization on XX/XX/2019. I requested 4 movers for XXXX/hr. The movers showed up 2 hrs late with a XXXX rental truck and with 2 movers instead of 4. The owner charged my credit twice without my permission for XXXX and then couple hours later he charged it for XXXX. The guy stopped answering my calls. Submitted a dispute through credit card company and they said the charges are correct. My credit company is Navy Federal credit union.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe someone is using my personal information to inquire about credit card accounts. I have great credit and do not want these unauthorized inquiries to lower my score. Here are the inquiries that a saw on my report : Inquirer Name : XXXX Phone : ( XXXX ) XXXX XX/XX/2023 Inquiry Inquirer Name : XXXX  XXXX Phone : ( XXXX ) XXXX XXXX Name : XXXX XXXX XXXX : ( XXXX ) XXXX An inquiry has been reported for your credit. 
Reported By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX Phone : XXXX XXXX ) XXXX Industry Type : Commercial Banks Please remove them because this is a violation of my privacy and I did not request for new credit.
Product: Debt collection

I am a victim of Id Theft, I am a travel nurse and these types of things could affect my employment because they do credit checks on us. I started receiving calls from XXXXXXXX XXXX XXXX XXXXXXXX about a debit that did not belong to me. I tried to dispute it and had no success. The account number ending in XXXX in the amount of XXXX which is now sent over to MCM MANAGEMN. They are harassing me about this and this does not belong to me. I have a Identity theft program with my job that is working with me to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I now have filed XXXX dispute letters with each credit companys i have been a victim of identity theft and these accounts was taken out in my name without my consent causing my family and business to suffer greatly. I am writing this due to non-compliance with XXXX XXXX, XXXX, Transunion XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, XXXX XXXX has placed themselves on my Experian credit report, since then up until XX/XX/2018 have written to Experian with regard to disputing this action that is listed on my report under Acct. # XXXX, in the amount {$1200.00}. I have provided them with the necessary documents to support my claim, and they have yet to address this issue. Pursuant to Section ( 609 ) of the Fair Credit Reporting Act, consumers disclosure section provides for the protection of consumers against false and erroneous reporting. XXXX XXXX has failed to provide Experian with any proof that this account belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently checked my credit report with XXXX XXXX Noticed that chase bank had pulled my credit as a hard inquiry on both XX/XX/XXXX and XX/XX/XXXX. I have never applied or submitted or allowed chase to pull my credit and never have I had an account with Chase Bank. Called chase and they could not find my information but it currently shows on my credi Report.
Product: Debt collection

I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On   XXXX   XXXX   this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask that a statement be put in the XXXX account 1 ) Not my account and Fraud of Ownership. I asked for proof of Ownership never given. I disputed the account and asked for a statement be put in all my accounts that I invoke all rights, none waived ever. All three refused to do this and you can not dispute on line unless you agree to their terms. I refused to agree to them. Phone dispute is almost impossible to get done.
Product: Vehicle loan or lease

XX/XX/2024 my vehicle was illegally repossessed from address not listed.
Product: Credit card or prepaid card

On XX/XX/XXXX, Bank of America closed my credit card account. I tried to speak with them so they can reopen the account for me. They said they can not do that but did encourage me to apply a new card. 
On XX/XX/XXXX, I submitted a new credit card application. However, the application was denied. Couple days later, I got a letter referencing the reason of deny. The letter says they can not approve the account because " an account with us and/or affiliates has been revoked ''. It is astonishing as they encourage you to apply a new card since your account is closed but deny you immediately because of recent account closure.
Product: Credit reporting or other personal consumer reports

Data breach information was shared I got Code verification is being sent to my cell phone number regarding my information Coming from XXXX
Product: Payday loan

Pay day loan lender is prohibited in my state when I advised I could no longer pay high interest fees and advised that web pay day loans are prohibited in the state of PA they kept calling and harassing me about paying the loan. Now they have reported on my credit in collection. My credit score has been significantly effected by this, and I may not be able to qualify for Home loans to purchase a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified account from XXXX XXXX  and XXXX XXXX I had previously disputed this account. I have never done business with XXXX XXXX and XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( XXXX ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that XXXX XXXX and XXXX XXXX  provide verification of the following : XXXX. The original Application or contract ; XXXX. Any and all statements allegedly related to this debt ; XXXX. Any and all signed receipts ; XXXX. Any and all canceled checks ; XXXX. Original date of default and collection activity begin XXXX. Whether you purchased the debt, and if so, the amount paid for the debt XXXX. The date ( XXXX ) the debt allegedly accrued ; XXXX. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that _XXXX XXXX and XXXX XXXX  Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

I have an account with XXXX and became ill and went out and had XXXX and was off my job so I opened up a safe line account protection claim ( XXXX XXXX # XXXX ) this protection plan is supposed to take care of payments and put your account on pause while youre out, ill and needing the services.
Product: Credit card or prepaid card

I tried to make a very important purchase today with my citi card using XXXX XXXX. It got declined and said verification needed. 
Then I called spoke with XXXX call reference # XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Therefore, I wasnt sure what she was verifying me with. On the other hand, I had the cashier waiting right in front of me. After I told her I couldnt understand her, I needed to speak with a supervisor. She said : REALLY?! With VERY inappropriate tone. As if she was challenging me. As matter of fact, the whole conversation she was impatient and raised her voice on me a few times. 

Im filling a complaint here is because the 2nd person ( supervisor ) I spoke with on that phone call told me citi does not have a complaint department, she said I can not submit any type of complaint thru phone, online, mail. I found it hard to believe, but I verified that with her 3 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/18 I contacted Transunion about some credit inquiries and the company will not dispute my complaint after I explain to them several times that I did not authorized several hard inquiries on my credit report.
Product: Student loan

XX/XX/XXXX-XX/XX/XXXX {$60000.00} Tried repayment plans, takes 25 % of my monthly income making it impossible to support my family.
Product: Debt collection

I have contacted SpeedyCash as well as the credit bureaus on two separate occasions to determine why this duplicate or inaccurate report is on my credit! I have been ignored and no response has been sent to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), 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

After sending a Notarized Affidavit of Validity, Portfolio Recovery failed to verify this alleged debt. This company is furnishing deceptive information and forms pursuant to 15 U.S.C 1692j on me a Natural Person whos Federally Protected. I am a Consumer whos never authorized nor autographed any agreements with portfolio recovery, Which is a clear indication of Aggravated Identity Theft according to 18 U.S.C. 1028A. This company is violating my consumer rights and reporting false and misleading information and representation 15 U.S.C. 1692e of an alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXDate : Dear Sir or Madam/To Whom It May Concern, On Today I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. In 2022 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed in 2022 ( To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the negative items, as originally requested. Below are the items I am disputing. I never opened an affirm account. I never opened an XXXX account. I never opened an XXXX account. I never opened account called XXXX XXXX XXXX. Please update XXXX XXXX XXXX. XXXX we brought current so please update this asap. We updated CAPITAL ONE AUTO FINANCE with a loan modification/settlement. Please correct my credit report by law you must report correct information.
Product: Mortgage

I am representing a Borrower whom has filed a Bankruptcy, and did not reaffirm her loan, we have been disputing the value with Green Tree/ XXXX XXXX AS I was told the property was assigned to be winterized and it was not, so with our brutal winter there was additional damage done to the subject property in the amount of {$90000.00}. XXXX refuses to re-evaluate the value as this was already done XXXX. But the damages have prevented us from getting a $ XXXX offer. They are informing me the Borrower needs to file an Insurance Claim, we have tried numerous times to reach out to XXXX Green Tree and XXXX to obtain the correct information, with no results. The Borrower has not paid on Home Insurance in over a year, so we have no idea where to go from here, we have been trying to process this short sale now since XXXX, and are just exhausted with the manner this is being handled.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or REMOVAL of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have disputed this account several times with TransUnion, this item is past the statute of limitations and shouldn't even be listed nor was my dispute ever read or addressed per TransUnion response. TransUnion is the only agency listing this past the statute item. 

I'm requesting some help as there are so many inaccurate information. Date paid XX/XX/XXXX, but past due remarks after date paid. I'm requesting this be removed at once. XXXX XXXX XXXX XXXX # XXXX Opened XX/XX/XXXX, XXXX XX/XX/XXXX date paid, please see attached as TransUnion never read or addressed several disputes to their agency.