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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX Date opened : XX/XX/2021 Balance : {$4100.00} ; XXXX XXXX XXXX  Date opened : XX/XX/2021 Balance : {$520.00} ; XXXX XXXX XXXX ( Original creditor : XXXX ) Balance : {$620.00} ; XXXX XXXXXXXX Opened : XXXX XXXXXXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out on XXXX/XXXX/XXXX regarding a bankruptcy that was reported on my credit file. On XXXX/XXXX/XXXX, I received a letter back stated that this information was verified and remained on my credit report. I have yet to receive any verification of this public record that still stands on my credit report.
Product: Checking or savings account

had 3 transactions that were disputed 2 unauthorized 1 billing dispute. 
Chime refuses to investigate any of the charges. 
Chime claims no errors occurred and has ignored 3 email requests on how to continue dispute and provide valid proof of charges. No response from chime.
Product: Debt collection

NCA representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 AMT {$510.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX Account Number : XXXX I am a victim of identity theft this is not my credit account. 

XXXX XXXX Account XXXX : XXXX I am a victim of identity theft this is not my credit account. 

XXXX XXXX Account XXXX : XXXX I am a victim of identity theft this is not my account. 

Employers : XXXX I am a victim of identity theft this has never been my employer. 

Also Known As : XXXX XXXX I am a victim of identity theft this is not my name. 

Employers XXXX XXXX XXXX XXXX XXXXXXXX XXXX am a victim of identity theft this has never been my employer. 
XXXX XXXX XXXX XXXX TX XXXX I am a victim of identity theft this has never been my address.
Product: Checking or savings account

On XX/XX/2018, I deposited a money order in the amount of {$1000.00} into my savings account. After checking the balance, I realized the transaction did not show at all. Immediately I contacted the customer service department and I was told a temporary credit for the amount of my deposit will be effective until the issue is resolved. 
The next day I received a phone call from the branch where I made my deposit ( XXXX, New Jersey ). I called back and spoke to a representative who told me my money order was 'found ' on the floor by a customer. They made the necessary research and contacted me to let me know what happened. I advised them that I already reported the issue and a credit was processed to my account. I also confirmed with the representative who claimed they will proceed to contact the department handling my concern, that the money order was verified with them, in order to justify the credit processed on my account. At that point I thought everything was resolved. 
Today, I received a letter dated XX/XX/2018, that states the investigation is completed but they are unable to honor my request? I immediately called the number stated in the letter, where I was transferred to XXXX ( supervisor-team XXXX ). This lady just confirmed the lack of customer service skills and the overdose of attitude that she was unwilling to help me with this issue that was out of my control. 
I need a solution asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to urgently request the removal of fraudulent information from my credit report. Upon reviewing my credit report for the purpose of purchasing a house, I discovered multiple accounts, addresses, and names that are completely unfamiliar to me. This misinformation is damaging my creditworthiness and hindering my ability to secure a mortgage. 

I have identified the fraudulent accounts and addresses as follows : Fraudulent Accounts : XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX  XXXX Account XXXX : XXXX XXXX. Account Name : XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Fraudulent Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have never opened or authorized any of the mentioned accounts, and the addresses listed are entirely unfamiliar to me. This fraudulent information poses a serious threat to my financial well-being and undermines the accuracy of my credit report. 

I kindly request that you investigate and promptly remove all fraudulent accounts, addresses, and associated information from my credit report. The inclusion of these inaccurate and unauthorized entries is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I understand that your duty is to ensure the accuracy and integrity of credit reports. I trust that you will conduct a thorough investigation into this matter and take the necessary steps to rectify the situation. I request that you provide me with written confirmation once the fraudulent information has been removed from my credit report. 

Please treat this matter with the utmost urgency, as it directly impacts my ability to secure a mortgage and engage in other financial transactions. I appreciate your immediate attention to this serious issue and look forward to a prompt resolution. 

Thank you for your assistance in resolving this matter. Should you require any further documentation or information from me, please do not hesitate to contact me at the address provided above. 

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

XXXX XXXX XXXX XXXX XXXX capital one XXXX XXXX XXXX XXXX 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 did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit card or prepaid card

I had Chase Freedom credit card that was opened in XXXX. It was closed by the company within a month and when I requested information regarding the closure, I was told it was due to an affiliate closing an account and so they closed their account. When I wrote to the Chase Executive office and asked for further details, i.e., the name of the affiliate and why either and/or both closed accounts, I was told that they would not provide that information.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer
Product: Credit card or prepaid card

In XX/XX/2022 I cashed a check with the venmo app posted it as a payment the days later they closed my acct I called them several time got no answer why it was closed. They did tell me that there were not going to be and added fees by then cause the acct was closed amount owed was under XXXX never missed a payment and my payments were always over amount due .... now they want XXXX added fees and when I asked for a statement from them they can not give me one
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit Reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my right as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below  is the list of the erroneous account reporting on my credit report : XXXX {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to XXXX XXXXXXXX 's False Preapproved deceit I hard excessive hard inquiries and inaccurate information reporting. A few i dont remember. These accounts are not consistent on XXXX & XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I can't see my XXXX yet to dispute
Product: Student loan

I attended   XXXX   college from  XXXX  of  XXXX  until  XXXX  of  XXXX . I was on an   XXXX  scholarship  that paid 75 % of my tuition. So I needed a loan to cover the other 25 %, which was about {$3000.00}. This is the only student loan I should have. The following year I was given more scholarships for   XXXX   and I joined the   XXXX    and   XXXX   programs. With both of those programs they covered the left over 25 %. For my  sophomore and junior year I moved off campus so if anything my tuition should have went down. For some reason the school took out another {$8000.00} loan my Junior year. I never saw any of that money and I never signed for it. When I told navient this they sent me a promissory note that I signed my freshmen  year for the {$3000.00}. They advised that once I signed that letter my freshmen year I do n't have to sign anything again for them to take another one. So basically they can take a loan when they want once you sign a promissory note. It doesn'the seem right to me. I should have had to sign something for them to take out {$8000.00}. I even tried to go to the school to get some paperwork from back them and they could not provide me with any. I 'm not disputing the {$3000.00}. I know I owe that but I should n't owe the other {$8000.00}. I never needed or saw it applied to anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian about account number XXXX reported by the XXXX XXXX XXXXXXXX XXXX.in a amount of {$880.00}. I told Experian that I dont owe any money to the company reporting this Item and I want this to be out of my credit report because it is negatively impacting my score and my credit. I attached all the proof that I do n't owe any money to XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a Chime Bank Visa debit card in the mail XX/XX/2020. The letter indicates I also have an account number with routing number ( I assume this is some type of checking or savings account that is related to the debit card ). I did not request this card or account - in fact I had never heard of Chime Bank before this card arrived in my mail. 

I have tried to call them at the only phone number they list ( XXXX ) but their automated phone system never goes to a human to discuss this issue. 

I tried emailing their generic XXXX email but their agents repeatedly request me to send my PII over email. They are asking for photos of my driver license, photos of me holding the card etc .... I refuse to do this as this is a huge security risk. I continually ask them for phone number to their Fraud Department Manager and they will not supply any phone numbers to discuss this issue.
Product: Debt collection

The name of the company is Conn ; s Home Plus. I have listed some of the phone numbers that they call from. I have to actually block their number from calling me because they will call a minimum of 10 times per day. In one instance, someone received a phone call from Conn 's Home Plus concerning my account and they were not even authorized to call the number. I had to call and make a complaint to advised that if not listed, they should not be contacting anyone for me without my consent. I understand that I do owe money and have done my best to keep the account paid, life happens. However, their phone calls are pure harassment. I have received calls from a collections agency before and they were never this abusive with their collection tactics. If I was not half was not nearly fully paid off with my purchase from them, I would return the item and leave a horrible review. I have told them on several occasions that they call too much. When my dad past, I told them to stop calling while I got his funeral arrangements sorted out and they still called me the next day. Its disrespectful. I will also add that, when they call, they mask their phone numbers and it appears to be some one else 's caller id. This is not something that happens all the time, but it does happen. That leads me to believe they are using a VOIP dialing that is hard to trace. How can a company use deceitful tactics like this when communicating to their customers. 

Call Times in EDT XX/XX/19 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Call Times in EDT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Call Times in EDT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Call Times in EDT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These calls are just a few, but I can pull my call records for more times and days and from different numbers. I honestly have to block them for the number they call. Then they just call me from another one. These calls are also in addition to two to three emails every day. I simply do not want to talk to them because they will still continue to call and send emails even if you call them.
Product: Debt collection

Specialized Loan Servicing reported to the Credit Reporting Agencies that I made late payments from XX/XX/XXXX to XX/XX/XXXX. I was discharged from my Chapter XXXX bankruptcy XX/XX/XXXX and I have missed on payment in that year. They are reporting my late payments that occurred during my bankruptcy. They never gave me any notice during the bankruptcy that I was behind and instead falsely reported that I did n't make any payments for 8 months in XX/XX/XXXX. I have bank statements showing I paid the company every month accept XX/XX/XXXX and that is when I entered into a loan modification and was told not to pay that month. This false reporting has cause me not to be able to obtain lending. They should not have reported anything that happened during my bankruptcy they also never told me during the bankruptcy that I was behind making payments. Also, around XX/XX/XXXX I made a double payment and at the time asked them if I was all caught up on my payments to which the representative replied yes. They have a message that all phone calls are reported so we should be able to check the records.I have tried to dispute this issue with the company and the credit reporting agency to which they responded that they company is accurately reporting.
Product: Credit card

I reported That i have tried to cancel a subscription from XXXX but they are not cancelling it, and they continue to illegally charge my credit card. they have been charging me since XXXX XXXX  monthly and i have not logged in or used their services because I did not need their services. Even after i told them through the dispute with my credit card, they still have not cancelled the subscription and refund me the charges dating all the way back to XX/XX/year>. I decided to do a research on XXXX and all the reviews on the XXXX XXXX XXXXXXXX XXXX website and other sites complains mostly about their cancellation difficulties. I need either Barclays bank or XXXX to refund my money from XX/XX/year> all the way to date and cancel the subscription. We are poor people trying to make a living, we should be taken advantage of.
Product: Credit reporting or other personal consumer reports

Look at my credit report this morning and somebody has put a collection from 2019 on my credit report I need this debt validated
Product: Credit card

I am experiencing a significant and extended financial hardship as I am not able to work full time anymore due to a medical condition that has rendered me unable to work full time. I now have had a significant reduction in income because of this and I can not make ends meet with my current credit card obligations. I have called XXXX XXXX on 4 different occasions, asking them to please help me lower my payment and put me in a long term financial hardship plan. Every month I can not pay this bill, I call them and ask for help. Every single month, for four months now, they decline to help me. I don't know why, and the representative can not explain why. They just simply say " the system says you don't qualify '' - which is very frustrating. The " system '' is in charge of my life now? Please help me. I don't want to let this account go into collections and I want to pay my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to provide Method of Verification within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor. LVNV FUNDING LLC XXXX Date Opened XX/XX/2017 Balance {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, and XXXX XXXX XXXX  Account XXXX 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

XXXX contacted alliance one told them I was in bankruptcy they basically said have my lawyer call them I do not know of this debt
Product: Mortgage

I 've submitted request for modification with financials to Bank Of America Since XXXX 2016 several times. My husband had XXXX XXXX and we got behind on all of our bills, while he was off from work for 6 months. Bank Of America has given us the run a round. We want to keep our house.
Product: Credit reporting or other personal consumer reports

A Capital One account was opened in my name and an inquiry was placed on my credit without my consent.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute credit inquiries that appear on my credit report, which I believe are not accurate and are causing potential harm to my creditworthiness. As a consumer, I am protected by the provisions of the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and the XXXX XXXX laws, which require accurate and fair reporting of credit information. 

According to the Fair Credit Reporting Act, credit inquiries can only be made for the following permissible purposes : XXXX. A Firm Offer of Credit XXXX. Insurance XXXX. An Application for Employment XXXX. A Court Order The first inquiry in question was purportedly initiated by the companies listed below. However, I have no recollection of conducting any business with the companies listed below or authorizing this credit inquiry. In accordance with my rights under FCRA, I contacted the below companies directly to rectify this matter, requesting that they remove the inquiry from their records and update all credit reporting agencies accordingly. They have assured me of their cooperation in resolving this issue, but to ensure a thorough investigation, I am also approaching your agency. 

Given my intention to apply for a home mortgage in the near future for my family, it is of utmost importance that my credit report accurately reflects my creditworthiness. Hence, I respectfully request the immediate removal of these disputed inquiries from my credit report. 

I request the immediate removal of these inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and any other applicable consumer protection laws. Timely resolution of this dispute will be greatly appreciated. 

Thank you for your prompt attention to this matter and for ensuring that the information on my credit report is fair, accurate, and compliant with the relevant laws. 


Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX