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

I have unknown names and information on my credit report, The accounts that are unknown to me I will list them below, I have inaccurate employment information its keeping me from getting a job and housing. The utilization amounts are incorrect. I would like a review of this information. XXXX XXXX,, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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

Up to five calls everyday including family and friends will not tell me what dept this is about. 
I can only assume its from a bankruptcy that I had in 2009. 
Not sure what to do to get them to stop calling my XXXX XXXX XXXX mother. 
I have asked for them to send a letter and outline what this is about. But all they want is a credit card that I will not give to them.
Product: Debt collection

The latest effort to collect a debt - XXXX thus far in the past year - is based on yet another fraudulent utility account originated in the state of Texas. Although they have been from various utilities, I have repeatedly requested that Online Information Services ( OIS ) flag my name/account information and refer back this back to the utility company making the claim should more collections notices be originated. 

During the course of the previous fraudulent account collection, their personnel notified me this would happen. Now, during the current collection process via XXXX XXXX XXXX ( letter dated XX/XX/23 ) and after contacting OIS, I was then informed, " No one here would make that claim '' nor promise such an effort. " We just process the collection requests from the utility company. '' So, in fact, OIS misrepresented their capabilities and their efforts. 

The summation is this : if collection agencies do not play an active role- along with utility companies and others- in helping preliminarily flag highly suspicious collections activity based on historic activity, the ability to pursue and apprehend fraudsters is almost certainly a moot effort.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of the following account ( s ) on my credit report. By the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 and 15 U.S.C. 1681i ( 5 ), it has come to my attention that the account ( s ) listed below have violated my federally protected consumer rights regarding privacy and confidentiality. 

Disputed Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681, it is my right to have my consumer credit report maintained with the utmost confidentiality and accuracy. The inclusion of the above account ( s ) violates this right, and the reporting of this information constitutes a breach of my privacy. Furthermore, I believe these items are inaccurately reported and are being maintained in my file without the proper verification or validation of the legitimacy of the account ( s ), as required under the law.

Per 15 U.S.C. 1681i ( 5 ), I demand that you conduct an immediate investigation of these account ( s ), and if found inaccurate, unverifiable, or incomplete, promptly delete the account ( s ) in question from my credit file.

Please provide me with : Written confirmation of the results of your investigation.

A statement detailing whether any items were deleted, corrected, or verified.

If the account ( s ) is verified, full documentation proving the validity of the account ( s ) and the process you followed to reach this conclusion.

Failure to comply with my request within the legally required timeframe will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or seeking legal recourse.

Thank you for your immediate attention to this matter. I expect a prompt resolution of my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX caused an FTC violation on my credit reports at this point I'm not exactly sure but need to look at my credit please send a copy of most current credit report XXXX has not let me get into my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted each credit reporting bureau.XXXX, Experian and XXXX XXXX requesting information and documentation of their procedures for validation and verification of information on my credit reports.i requested information under the FAIR CREDIT REPORTING ACT and FAIR DEBT COlLECTION PRACTICES ACT to investigate information and supply me with their method of verification and validation to include a copy of their procedures, name, address and phone number of each person contacted to verify the information and copies of ALL documents in my credit file to support this information such as the contact with my signature, receipts with my signature and all three have failed to provide me with this information.I have sent request for this information 3 times to each credit reporting bureau and still have not received the information or any deletion and was replied with a message that they have already investigated the information and verified it and will not re investigate it. 
I need the requested information to verify the information collected is valid, correctly reported and accurate as I plan legal action and need the information for my legal case.could you please have them provide me with the requested documents or have them delete these accounts as they have no proof of my obligation to pay or that the reported information is correct and accurate. 
Thanks in advance for any assistance. 
Sincerely, XXXX XXXX D.O.B XX/XX/1964 SS # XXXX
Product: Checking or savings account

On XX/XX/2022, I received a XXXX XXXX. 
This card listed my first name and full social security number as the username. 

I called XXXX and had them immediately close the account, as I never opened it, nor would I select a username that exposes my personal information. I then created a fraud alert with one of the credit bureaus. 

Today, XX/XX/2022 I received a debit card from Chime, so I called and reported it as fraudulent. I was asked to verify my personal information to verify it was my account, so I gave the information, since they had it already, but my email address didn't match. 

At this point the representative from Chime read me back the email address, which was my first name, followed by my social security XXXX. 

I am now on the phone with XXXX and I'm going to report that the email address that is made up of my first name and social security number is creating fraudulent accounts in my name. 

The odd thing is that they would likely get away with it, if it they weren't sending the cards to my actual address. I mean, why would you send the card of a fraudulent account to the person whom you are defrauding.
Product: Debt collection

This collection agency by the name of XXXX XXXX XXXX currently has a debt under my name from American Express. I called on X/XX/2017 at XXXX to make a deal on paying this account in full and spoke to the Manager who did not reveal his name. I asked him if I had the option to pay this account online or via phone by making partial payments. He told me I did not have the option to pay the balance I owe online and that I had to make a one-time lump sum payment through the phone. I tried to reason with this agent and told him that I was only able to make partial payments towards paying off the balance but once again I was unsuccessful in coming to a convenient and reasonable payment arrangement. I ended the call by thanking him.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/2019 at approximately XXXX I noticed that my Venmo account was frozen. I have a Venmo debit card which I use for cash back rewards and to deposit my income from XXXX and XXXX. However when I emailed the company regarding my frozen account they explained to me that I have no access to my funds and they will not explain why they are denying me my money. I have no way to transfer my money out of the account. I have done nothing illegally or used my funds for anything against their policy. I had {$250.00} in my account and now I only have {$100.00}. Meaning, half of my funds are missing and the funds that I do have in there are unattainable with no valid explanation as to why I can not access my hard earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm complaining because Equifax have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. 
I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from securing employment because of their wilful non-compliance with the FCRA. Thank you.
Product: Mortgage

We applied for and were approved for a mortgage on a new build in XX/XX/XXXX. We gave XXXX XXXX, XXXX XXXX, our closing date of XX/XX/XXXX. 
We provided ALL information as requested and paid appraisal fees within 24 hours. 
Our Title person reached out the week before and of closing with no response. 
We reached out daily and were told it was fine and moving along. We got a preliminary CD on XX/XX/XXXX showing everything ready to go. 
On XX/XX/XXXX, our closing date, we were asked for the same materials we had sent and a bunch of new information. It was sent. We missed our closing. We spoke with a supervisor who told us he didn't understand why there was a hang up. 
We agreed to move the closing to XX/XX/XXXX. 
On XX/XX/XXXX, the mortgage company asked for more statements showing daily balance and running daily balance. We have closed on 2 houses in the past and have NEVER had these problems. We continue to get the run around on XX/XX/XXXX and have no idea why this is not happening. They had 6 months. This is costing our family money, time and is beyond distressing.
Product: Student loan

On XX/XX/XXXX, I submitted a payment totaling {$13000.00} to Edfinancial Services, the total amount of my loan. They emailed me to confirm the payment was made ( confirmation code XXXX ). On the morning of XX/XX/XXXX, they emailed me saying I " received a new message regarding your Edfinancial Services student loans '', but no message could be found on my account. I noticed a " Payment Reversal '' of the total {$13000.00} I had payed on XX/XX/XXXX, which it said occurred on XX/XX/XXXX. I attempted to call the company multiple times, but after waiting for over an hour, I could not connect with a representative, and selected an option that would have a representative call me back. I never received a call back. I attempted to email them, but this required an account number, which was not stated on the website. I checked with my bank to see if a payment was requested from Edfinancial Services on XX/XX/XXXX, and they stated that there was never any pending transaction with Edfinancial Services. Edfinancial Services also resumed accumulating interest on my account. Finally, on XX/XX/XXXX, I attempted a second payment, which they also confirmed via email ( confirmation code XXXX ). This payment totaled {$13000.00}, a higher amount since Edfinancial Services resumed interest on my account. However, I do not know what will happen, and I fear there is no one at Edfinancial Services who can assure me this payment will go through.
Product: Credit reporting, credit repair services, or other personal consumer reports

Southeast Toyota finance has taken these actions on my credit report after I filed for a complaint. They reported late payment on the disputed Charged off Closed account as vindictive act without responding as I have filed a complaint with FCRA and provided a copy of all mistakes they have reported on my credit report and according to the rules and laws their reporting has to be 100 % accurate the dates are not accurate the type of loan reported not accurate the The balance and the amounts are not accurate as they received from the Gap insurance their money and reported XXXX balance to XXXX took tax credit by their reporting fraudulently without claiming the money they received to continue receive Tax credit with Charged off now you want to claim late payment on Closed account? REALLY? I will sue you all for slandering my credit You are to remove and delete your slander immediately. 
There is a complaint filed with the XXXX  and this account has been disputed You reported that I have never disputed your fraude and your bullying is only good for a good court case! and this should go public so everyone else who you are bullying should know about your corruption! 
I have attached their late payment XXXX late payment on closed account that is false!!!! they you go another false statement. 100 % accuracy which you failed cause a liar can't tell truth! 

See attached evidence for false reporting which is grounds to for immediate deletion
Product: Credit card

I was told that if i get caught up by my next due date they would n't close my credit card. I did that and they still closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with eqiuifax. alot of data is inaccurate an needs to be removed asap. please review the information to clear my file so all reports can be cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced recovery is trying to collect on another account that does not belong to me XXXX. This is not a duplecate account, this is a dispute on another account.
Product: Student loan

As this incorrect information is impacting my credit score and financial standing, I kindly request that you investigate this matter and correct the details on my credit report. I would appreciate it if you could confirm receipt of this dispute and notify me of the steps being taken to resolve this issue. Under the Fair Credit Reporting Act, you are required to investigate and resolve this dispute within 30 days of receiving this letter. I was never informed by Ed Financial a wet signature was required. It took almost 3 weeks to get a response. I have completed a hand-written form and the accredited school has also provided a wet signature as requested. I would greatly appreciate your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of these items from my credit report, which are the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and removed. 

XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report inaccurate information on my credit report. The Fair Credit Reporting Act states that by law I can dispute and challenge any inaccurate information on my credit report.15 U.S.C . Sec 1681i ( a ) states that if you can not provide proof then the account must be deleted especially when it is inaccurate. I am requesting that this account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX deleted. I contacted the XXXX major bureaus to investigate every piece of information on the account listed below and I still have not had an investigation launched. 

In addition, in accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX and XXXX XXXX XXXX violated my rights. 

1.15 U.S.C 1681 section 602 A, states I have the right to privacy:15 U.S.C. 1681 Section 1681 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 2.15 U.S. Code 1692b - Acquisition of location information : Anydebtcollector communicating with any person other than theconsumerfor the purpose of acquiringlocation informationabout theconsumershall ( 2 ) notstatethat suchconsumerowes anydebt ; ( 5 ) not use any language or symbol on any envelope or in the contents of anycommunicationeffected by the mails or telegram that indicates that thedebtcollector is in thedebtcollection business or that thecommunicationrelates to the collection of adebt ; and15 U.S. Code 1692c - Communication in connection with debt collection : ( a ) Communication with the consumer generally without the prior consent of theconsumergiven directly to thedebtcollector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with aconsumerin connection with the collection of anydebt 3.15 U.S. Code 1692d - Harassment or abuseAdebtcollector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of adebt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.According to the FCRA the term, investigative consumer report means a consumer report of portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of liking with other with whom he is acquainted or who may have knowledge concerning any such items of information. According to the FCRA 15 USC 1681 everything has to be 100 % accurate. 

Once again, I demanding this account be deleted.
Product: Checking or savings account

: Chase Bank closed my account on XX/XX/XXXX. On XX/XX/XXXX, Chase mailed me the money in my account in the form of a check, which was lost in the mail and cashed by someone else. From XX/XX/XXXX to XX/XX/XXXX, I called Chase Bank every day to inquire about my check and I had not received it yet. On XX/XX/XXXX, a Chase Bank employee told me that my check had been cashed by someone else. I applied for a check claim on XX/XX/XXXX, and the Chase Bank employee told me that the claim period was 30 days and that the claim check would be resent to me on XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, I called Chase Bank 's claims department every day. Every time I called, the Chase Bank employee told me that the check had been mailed and asked me to wait 7 to 10 days for the check to be mailed to me. On XX/XX/XXXX, I called Chase Bank to tell them that I had not received the claim check. The claims department employee told me that no check had been mailed. Chase Bank has been deceiving me every time and asked me to wait every day. Chase Bank now does not want to return the money to me and is withholding my money. This is the money I earn from working hard every day and deposits in Chase Bank, and I have XXXX children to support at home.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX XXXX - XXXXXXXX XXXX XXXX  - XXXX XXXX - XXXX INQUIRIES : XXXX XXXX - XX/XX/2023 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have now tried THREE TIMES via direct dispute with XXXX, Equifax, and oh boy, XXXX! to have the account status of a PAID COLLECTION updated CORRECTLY. For SOME REASON, when I paid it off, it was updated as " debt included in or discharged through bankruptcy chapter XXXX '' " debt included in personal recievorship. '' I HAVE NEVER EVEN FILED FOR BANKRUPTCY LET ALONE COMPLETED ONE! I've called the creditor to have this removed, they swear they never reported it! I've disputed it THREE TIMES with the credit bureau who EVERY TIME swears, the creditor confirmed the information is correct! NOW I DON'T KNOW OR EVEN CARE WHERE THE DISCONNECT IS, I WANT IT FIXED! PAID COLLECTION! HOW HARD IS IT TO CHANGE THE STATUS TO " PAID COLLECTION?! '' IF YOU CAN'T DO THAT, REMOVE IT FROM MY CREDIT REPORT ALL TOGETHER! 

XXXX XXXX is the creditor. I have NEVER had SO many problems with something SO XXXX simple!
Product: Credit reporting or other personal consumer reports

Tonight, I was shocked to discover inaccurate accounts on my credit report, and I have no idea what caused it. Ive checked my report as usual, but this time, there were unexpected errors. I even tried refreshing my browser, thinking it might just be a technical glitch, but the inaccuracies remained. Im requesting a close inspection of the documents I sent so that I can avoid this issue again.
Product: Debt collection

Company repeatedly contacts me from different numbers from Texas, XXXX, Georgia, Pennsylvania, West Virginia, Virginia, Arizona. All of the day and night..7 days a week