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

In reference to my previous complaint no XXXX, Equifax sent me their response regarding the non-existent account I was complaining about. They claimed that they " contacted the data provider and verified this account ''. Such action would be impossible since there is NO DATA PROVIDER they can contact. XXXX XXXX, who was my Mortgage company, went out of business in XX/XX/XXXX and THERE IS NO WAY POSSIBLE TO CONTACT THIS COMPANY. THIS CONFIRMS THEY LIED. 

This is a serious violation of my credit rights to have accurate, verifiable information in my credit report. They are lowering my credit score by claiming I have this non-existent " Personal Finance Account '' which can not be verified. 

No credit bureau is allowed to report an adverse account with a company that is no longer in business!! And, I am tired of requesting the removal of this false information and their constant LIES. 

They have been reporting this and damaging my credit since XXXX!! PLEASE HELP ME. THEY WILL NOT LISTEN TO ME AND ARE VIOLATING MY RIGHTS AND DESTROYING MY CREDIT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX and they told me twice they would remove this off of my credit report, and they have not. I made sure they were not talking about just not reporting it on my credit report I asked them to delete the whole trade line and I spoke to Supervisor 2 times and both times i was promised they'd remove it! 

please get this fixed for me as its hindering me from purchasing my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX CARD SERVICES account # XXXX, XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit reports, incorrect accounts are still presenting in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are needs to be corrected on my Credit Reports immediately : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

I have always had problems with this bank. But this is a new one. Since last year, my insurance has been paying the monthly payment due to unemployment and XXXX. Since the hurricanes in Puerto Rico, they have been late-posting the payments and I believe that is to charge more interest which also affect my credit report with their overdraft. I've been always in contact with the insurance and I have the record of their payments. Three checks were sent and the never post it. The insurance made these new checks on XXXX. Now, the last check was sent on XX/XX/XXXX and it has not been posted. 17 days to post a check by mail? Seriously. Letters arrived in two days. Contacting someone in the headquarters IS IMPOSSIBLE. I have tried to call more than 10 times and I'm always transferred to Customer Services Department THAT NEVER KNOWS A THING. I really, really really hate this bank. I'm very anxious to leave this bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Dispute of Collections and Charge-Offs on Credit Report : Dear Experian, I am writing to formally dispute certain entries on my credit report, specifically related to collections and charge-offs. This dispute is being submitted under the Fair Credit Reporting Act ( FCRA ), particularly referencing 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1666b. 

The entries in question are as follows : XXXX. XXXX XXXX XXXX Acct # XXXX XXXX : XXXX XXXX XXXX {$22000.00} XXXX. XXXX XXXX Bank Acct # XXXX XXXX : XXXX XXXX Balance {$720.00} I believe that the information reported is inaccurate because Under 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to report accurate information to credit reporting agencies. If the information is found to be inaccurate or incomplete, it must be corrected or deleted.

Additionally, according to 15 U.S.C. 1666b, creditors must ensure that the information provided is truthful and reflective of the actual account status. As such, I request that Experian conduct a thorough investigation into these entries and remove any inaccuracies from my credit report.

I kindly ask that you complete your investigation promptly and inform me of the findings. Should the investigation confirm the inaccuracies, I request that you remove the disputed collections and charge-offs from my credit report and provide written confirmation of such action.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Telephone scammer trying to get people to give them their account number by impersonating a debt collector. The number is ‭+XXXX XXXX XXXX and they won't stop calling via robo call. 5 times a week usually. The plays a pre-recorded message, claiming to be "Global Payments Check Services".
Product: Credit card or prepaid card

I have a debit/checking account with TD Bank. My XXXX bank statement had a debit card purchase which occurred on XX/XX/XXXX for {$110.00}. I have no knowledge whatsoever of this transaction. Rather than a recognizable company name, it just says " XXXX XXXX XXXX ''. I had no idea what this means. The bank said, when filing a dispute on XX/XX/XXXX, means crypto currency. I never in my life purchased crypto currency, and know nothing about it. The amount in question is {$110.00}. The bank had given me a provisional credit of said amount. Their Dispute & Claims dept. has now sent me a letter advising that their dispute investigation is complete, they have found no evidence of fraud, and will be withdrawing the provisional credit of {$110.00}. I am appealing their decision. I should not be held liable for a fraudulent purchase. I have also obtained a new debit card from bank.
Product: Student loan

They keep telling me different amounts i owe. Like i dont make enough money to pay XXXX $ a month nor does my cosiner. The keep lying about not being able to do anything and they keep lying about being able to lower my private student loans. Navient is the worse XXXX i have ever borrowed from.
Product: Credit reporting or other personal consumer reports

I called in to Equifax to open a dispute relating to identity theft and was not allowed to provide supporting documentation. I was advised by telephone agent that he had already submitted the dispute and could not accept my documents. I was never asked or allowed to provide my police report.
Product: Debt collection

This collector totally failed to give me notice that the debt was being sold. Before I was given a chance to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX was included in my Chapter XXXX bankruptcy that XXXX in XXXX  2016. I have surrendered my interest in the home and it should no longer be listed as my debt. 

I have already contacted XXXX XXXX and they refused to remove this. They told me that they do n't honor court orders!?! I then called my attorney who said that XXXX XXXX is violating the discharge injunction and to contact all the credit bureaus directly. 

I have sent proof that this mortgage was included in bankruptcy to all the credit bureaus and they have removed the information from my credit report. Each time, XXXX XXXX comes back saying the loan was modified and it goes back on my credit report. 

Last year, my ex-husband did something with XXXX XXXX XXXX XXXX to lower his payments and not lose the home. I was not involved in that in any way. XXXX XXXX told me they DID honor our court ordered divorce decree allowing him to modify the loan without me. I have attached the documentation XXXX XXXX sent to me regarding the loan modification in his name only.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Equifax Credit Report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof you must DELETE that account listed below. 
I demand that the following accounts be validated or DELETED immediately : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently pulled my reports and noticed you are reporting the following account as no payment history from XXXX and XXXX is reporting the account as paid as agreed ( OK ) from XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Because the balances being reported by your company and XXXX are different, this means the account has not been properly verified. Please delete this account immediately.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against [ name of the credit bureau ] due to the unresolved status of previous disputes regarding unauthorized inquiries on my credit report. I have submitted formal disputes on three separate occasions ( [ date of the first dispute ], [ date of the second dispute ], [ date of the third dispute ] ), but I have not received an adequate resolution. I believe the actions ( or inactions ) of the credit bureau constitute violations of the Fair Credit Reporting Act ( FCRA ). 

Disputed Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Bank account or service

I would Like to attached a copy of a police to Discover card inference to account XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize or consent XXXX or any other reporting agency to the following inquiries to be furnished 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The original creditor XXXX  XXXX removed the account beacuse it wasnt mine. The company that bought lvnv funding it kept it on with a last payment date that wasnt on the original date. The collector who bought it stated a last date paid was wrong beacuse they never recieved a payment from me.
Product: Credit card

Synchrony Bank has XXXX of the worst phone IVR systems that forces you to speak instead of inputting number options. This causes extreme frustration to a consumer by the time they speak to a human. I will be doing everything in my power to never give Synchrony XXXX more penny of my money. After 15 minutes trying to navigate the system, you then can not even get account information for a card that I OWN and need a number for immediate payoff. There is a reason this company is at the bottom of the cesspool.
Product: Credit reporting

Several months back I went to Experian to get a copy of my credit report for my husband myself, using XXXX of my credit cards. Over the last 9 months Experian has been charging my card for a monthly membership fee that I was unaware of in the amount of {$43.00} a month. They automatically enrolled me and my husband in a monthly membership without my knowledge or consent. The only reason I did n't discover it until recently is because I put that card away and was trying to pay it off. When I realized the balance was going up instead of decreasing, I checked my online statements and realized what Experian had been doing. When I called to dispute it. They said that it was an automatic enrollment and I was out of luck. I had to jump through a bunch of hoops to cancel it getting my credit card company involved to assist me. They 've charged my card {$350.00} over the last nine months. I was so upset that they would do something so underhanded. I had no idea that they automatically enrolled me in a monthly membership. Saddest part is I thought they were supposed to protect the consumer not take advantage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXXXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my Equifax consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX ) I have not initiated any transaction with XXXX  XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX  XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 


By willfully violating the FCRA, my next step will be to settle your civil liability damages I've suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to assist with removal of inquiries damages will exceed settlement rates when my attorney becomes involved. You will be responsible for his fees as well as compensat for dimages inflicted upon me. You have ( 10 ) calendar days of receipt of this notice and demand before I'll seek actual damages which are greater than {$1000.00}. 

Take note that I didn't identify the culprit ( salesman ) by name directly because I'm expecting you to do the right thing and help resolve the issue of XXXX  hard inquiries placed on my consumer report without my written consent. 



cc : CFPB via fax ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I discovered that the following companies have placed credit inquiries that I have no knowledge of and did not authorize 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 spoken with the companies and Equifax and informed them that I am a victim of identity theft and did not make these inquiries. The credit bureau is not helping me resolve the issues. They are not providing any evidence that the inquires were made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account on my credit file from  XXXX ,   XXXX    XXXX   XXXX , that has recently been paid in full.     Equifax has this account listed on my credit file twice, same account number, same debt amount, same dates. As I stated, I have paid this debt off recently, and disputed the entries with the Equifax, and pointed out that the entries are duplicate, which both are reported directly from the original creditor. This has been going on sin ce 2013.      I have brought this matter to the creditor, they act like I do n't know what I am talking about. I have disputed the account formally with Equifax, and they continue to " reinvestigate '', then only days later claim the information is reported accurately. I have repeatedly requested the accounts to be deleted from my file since they have been paid in full, which I retain receipt of. I keep getting the run around.     In summary, Equifax is listing the same account twice from the same creditor, as if I had  XXXX  accounts with the creditor. They will not delete  XXXX  and update the other to reflect as paid with a {$0.00} balance, the original creditor says they are ok to have the files deleted since it has been paid, but they claim it is up to Equifax to do so. When questioning Equifax, they claim that the creditor must submit for deletion.     Please help, I am being damaged twice for the same paid account! How can this be legal!? My score is significantly lower than what it should be if properly reported. I now want   XXXX   accounts deleted, as the debt is no longer valid.
Product: Mortgage

In reference to the complaint, XXXX should not be closed, as I am also requesting XXXX AND XX/XX/2023 MORTGAGE STATEMENTS. THE COMPLAINT IS NOT A DUPLICATE I HAVE NOT RECEIVED MY STATEMENTS AS REQUIRED BY LAW.