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

After disputing the following inquiries the 3 reporting agencies concluded that the un- verified accounts been verified, neither company sent me any physical documentation to support their reporting inwhich the investigation stated " up dated ". Now according to the FCRA rule of law, if there's no physical evidence then the accounts shall be removed. The following inquiries in dispute are.. XXXX Credit Cards ( XX/XX/XXXX ), XXXX XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX Miscellaneous Reptg. Agencies ( XX/XX/XXXX ), XXXX - XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

During XXXX and after, XXXX kept reporting my student loans delinquent which plummeted my score and caused unnecessary hardship. Today I contacted XXXX to ask if XXXX was still a loan servicer of mine considering I received correspondence from XXXX  saying they have taken on my loans. My rep at XXXX told me XXXX is no longer a servicer and should not have been reporting my payments delinquent as that would be illegal. Nonetheless they still are sending me bills and impacting my XXXX XXXX. I do not know what to do to stop this.
Product: Debt collection

This is a XXXX action which the sent to jefferson capital i have literally been asking for verifaction of this bill i have never seen a bill i went to XXXX in XXXX az with id and was told the would not verify.i cant get them to send me nothing on this
Product: Money transfer, virtual currency, or money service

Yes, I have called you guys multiples of time regarding my fraud transactions and you guys told me that you guys would remove those XXXX fraud transaction with the card ending in XXXX, and it's still on my statement, what the deal??? the transaction are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im tired of contacting you guys and requesting for the same thing over and over.
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 reports. XXXX XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX XXXX XXXX. Please delete these accounts on my credit file ASAP.
Product: Debt collection

I am writing to formally raise a concern regarding discrepancies I have found on my recent credit report. After being denied an apartment application due to my credit score, I decided to review my credit report for the first time ever. To my surprise, I discovered several accounts that I was not aware of and had no knowledge of opening. 

Specifically, I found the following issues : Car Loan : A car loan that ended in repossession after nearly a year of late payments. I was never informed that I had an outstanding balance on this loan, and I do not recall agreeing to any such loan. This account appears to be inaccurately affecting my credit score. 
XXXX Credit Card : A credit card account with XXXX that carries an outstanding balance of over {$2500.00}. Again, I have no recollection of ever opening this account, nor was I notified of any payments due or overdue balances. 
These accounts appear to be fraudulent, or at the very least, unrecognized by me, and they have had a severe impact on my creditworthiness. I kindly request that you thoroughly investigate these discrepancies and remove or correct any inaccurate information from my credit file. 

As this issue has caused significant distress and hindered my ability to secure housing, I ask that this matter be addressed promptly. Please provide written confirmation of your investigation into these accounts, as well as any supporting documentation related to their origination, payments, and status. 

I appreciate your prompt attention to this matter and look forward to your swift response. Should you require any additional information from me, please do not hesitate to reach out. 

Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that is listed on my credit report under my rights granted by the Fair Credit Reporting Act FCRA. I recently obtained a copy of my credit report and identified the following account that I believe are incorrect and should be removed. I am a victim of identity theft that has affected me. Recently, btw XXXX, I discovered that my personal information was used without my authorization to make unauthorized transactions. I did not give permission for anyone to use my identity, and I believe this activity constitutes identity theft. I have since taken steps to address the situation by filing for a police report and contacting the companies involved. I submitted the police report to these companies. Despite these efforts, the fraudulent activity has caused significant distress and inconvenience. This account is negatively affecting my credit score and do not reflect accurate information. I am requesting that these items be investigated and, if found to be inaccurate, be removed from my credit report. Please conduct a thorough investigation of these items and remove any information that can not be verified as accurate. I am also specifically requesting : XXXX. The name and contact information of the person or entity you interviewed during the verification process. 
XXXX. Any documentation or records that were used to verify the accuracy of the information in question. 

With all due respect I dont want the results to come back as verified because I do admitted I opened the account under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) but along the road my information was exposed in a data breach and there was numerous fraudulent transactions which led my account to be closed. 

According to the FCRA, you are required to investigate my claim and respond within XXXX days of receiving this letter. Please inform me of the results of your investigation in writing and provide me with an updated copy of my credit report reflecting the changes. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus have information on my consumer report that I'd never authorize. I've sent in numerous FTC reports to each ( XXXX, XXXX XXXX TransUnion ) However they are conducting an investigation due to the erroneous items allocated. Creditors such as ; XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Violating my Consumer RIGHTS each creditor has failed to provide my right to privacy 3-disclosures under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT-OUT. It also violates Gramm-Leach Bliley ACT which is enforce for all Financial Institutions to protect the consumers information. 

Having the right to do so, unfortunately creditors believe that it's somehow law to furnish your information to a 3rd non-affiliated party without your permission. That is indeed Fraud & Identity Theft sharing or using someone's information
Product: Vehicle loan or lease

I would like information on purchasing the XXXX XXXX ( currently at XXXX miles ) I am currently leasing. I would information on the following : 1 ) If I were to purchase the vehicle as an individual, what would the purchase price be assuming I have a tax exempt status from the United States and from the State of California 2 ) XXXX XXXX XXXX XXXX XXXX XXXX If I were to purchase the vehicle through the dealership/company XXXX XXXX, what would the purchase price be I would appreciate it if I can get a breakdown of the purchase price. Thank you. 

PLEASE NOTE : I AM LOOKING FOR A 30 DAY QUOTE
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I have been trying to get Suntrust to report that I have consistently made my mortgage payments on time. CFPB reached out to them in XXXX of this year and Suntrust immediately sent me a letter stating they would fix the incorrect information they had been reporting which stated my payments had been 60 days late for 2 1/2 continuous years. Instead of correcting their error they removed my account from the three bureaus and are reporting nothing as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried 3 times online and once by phone to submit a dispute. That alone proves what this company is doing. Chexsystems has put millions in poverty in some form. These agencies are criminal organizations and if you the government support them, we are no longer on the same team as well..please help i am simply trying to remove a closed checking account from  XX/XX/XXXX . Their reports they send to the peasant aka consumer give no dates on the account. I want the same report the overlords see and that should be a law. Anyways my dispute response is below but they never even accepted the complaint. People of this country need someone on their team before the inevitable happens..This is why the brave Americans got wild eyed and Did somthing taught in US History class..  XXXX    XXXX   XXXX   XXXX  ... Americans are  American because they do  n't stand for suppression and this does not represent how we treat citizens and these agencies need to change immediately. Dispute response below : This account is ov er 5 yrs o ld..there is no date mentioned on the actual listed item ( I got the peasant copy of this report ) in regards to   XXXX   XXXX   XXXX  . I will also cross report this dispute with the FTC because I personally do not trust anything that involves the company CHEXSYSTEMS.   I have also have reason to believe that other data regarding myself is not shown to me on my report but is being shown to the overlords who use this fraudulent anti-middle class company ... The rich are better than ever since year   XX/XX/XXXX  . The year these banks buying this companies evil info happened to do the same thing i did, but on a tad higher scale..doubt those guys show up in chexsystems because my portion of Taxes helped bail these banks from the brink of collapse. I was told to pound sand. Wonder why other people never recovered like the banks?   I do not know the date when i lost my job and everything I own including this checking account listed but to my best knowledge this account is old enough to remove ... have a great day guys keep up the awesome work.look around outside your country club.people are hurting, there is no middle class, and for-profit companies like yourself are one of the biggest direct causes for this. I also hope you guys over at chexsystems believe in Karma, because your next life will most definitely be a reflection of this ...  XXXX . -- -  XXXX   XXXX   XXXX  The following statemen t may or may n ot represent me personally but represents the opinion of millions of people that have had their life/dreams/happiness stolen because of this company. The y may als o believe this company is one major factors in the decline of the middle class. These millions of people told me to tell you the following : "   XXXX   XXXX   XXXX   '' This statement is my American duty as a citizen for the people & by the people. NOT THE CORPORATION
Product: Credit reporting or other personal consumer reports

I have contacted Experian to investigate an inaccurate account on my credit report. Despite stating an investigation was completed and that the account is verified and accurate, there are still erroneous and inaccurate information regarding this account. According to my credit report, the account was charged off as of XX/XX/2022. Since then, the account has repeatedly been updated as charged off every month. Please see the screenshot to the left. This is an update in the payment history, which to my understanding, charged off accounts SHOULD NOT include an active payment history. This also falsely manipulates the statute of limitations. I am demanding a deletion of the following account : XXXX XXXX, Account # : # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX card via XXXX and I had noticed that there was an account that was reporting on my credit report with a number I was not familiar with and I submitted a complaint that my card or identity had been used to get a fraudulent card. I was very upset and concerned and the matter was addressed over the past 7 months. XXXX XXXX  was actually opening up new account with new account numbers every time I called or wrote or disputed the unknown numbers and not telling me that these were in fact the same account until XX/XX/2018 and after multiple phone calls, FTC report and multiple investigations when I finally contacted the " executive office '' it took so much time that I actually lost nearly 3 days of work time working on correcting the issue and WAS NEVER NOTIFIED each time they assigned a new number for my card therefore I believed that someone was opening multiple accounts with my information. It was impossible to talk to anyone who understood my concerns and could never get a last name or direct contact when I called back and had to repeat my story over and over again. Not only was this incredibly upsetting and harmful, my credit scores have been compromised for over 8 months during these investigations. I am overwhelmed with what it has taken to understand what was going on and had multiple employees get angry and even hang up on me. I am appalled as I have had many XXXX XXXX  accounts over the years with absolutely no issues. This has been extremely harmful, I have been denied 2 loans and multiple credit cards and I am paying very high fees for insurance. I was even denied employment from a company that I excelled in the interview process and most likely was told my credit score hurt me. The variety of events that this affected has cost me embarrassment and well as financial hardships.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Checking or savings account

The nature of the problem is that I made a cash and check deposit yesterday, ( see images ), and the check for {$30.00} cleared into another account. The other account is really my real account with Bank of America, account ending in XXXX. So, I'm currently placing cash, and other transactions on either a closed account or somebody else 's. Purhaps just a fictitious fraudulent account that does not allow me to view " any '' of my cash or check deposits.. In the past, I could see all my deposits, not now. I'm totally being blocked from my real account thar I opened with BoA Employee XXXX XXXX at XXXX, FL on XX/XX/2022. 

The {$30.00} has not been placed into this account I have access to. I was never informed about any of this being done to me. Now I understand why I never received the {$6000.00} disbursement last month from the XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Pentagon Federal Credit Union is reporting to the bureaus accounts I know nothing about.  I have been trying to have this information deleted because it was in fact of part of identity theft.  I have never owned nor had any accounts with the mentioned company.  Listed on my bureau as Pentagon act XXXX and the other has no account number at all.  This is and has been damaging my creditworthiness.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a written request, by Certified Mail, to TransUnion to delete a Notice of Federal Tax Lien from my Credit Report on XX/XX/XXXX because it does NOT meet the updated National Consumer Assistance Plan guidelines for public records reporting. To validate my deletion request I included a copy of the Notice of Federal Tax Lien filed with the XXXX XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, in the amount of {$320000.00}. The updated National Consumer Assistance Plan guidelines for public records reporting specify that Federal Tax Liens must contain a Name, Address, Date Of Birth or Full Social Security Number for valid reporting on a Credit Report. The Notice of Federal Tax Lien copy that I submitted to TransUnion DOES NOT have a Date of Birth nor Full Social Security Number listed on the document. Therefore, I requested TransUnion DELETE the Notice of Federal Tax Lien from my Credit Report. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from TransUnion stating that they UPDATED my records instead of DELETING the Notice of Federal Tax Lien information. In their letter they stated that if their investigation had not resolved my dispute, I could file a complaint with the Consumer Financial Protection Bureau. This is my complaint.
Product: Money transfer, virtual currency, or money service

I was sold counterfeit shoes that XXXX XXXX stated were authentic, and he lied about getting them from a legitimate source ( XXXX XXXX 's XXXX using automated bots ). When in reality he bought the shoes from a supplier in XXXX and resold them to me then had the shipping information changed from his address to mine. The transaction was between him and I. He is not willing to accept responsibility for taking my money and charging me for shoes that are confirmed counterfeit when I paid for authentic shoes. I had no interaction with the supplier. My only interaction and transaction was through XXXX. After my complaints to him he tried to make himself look better by ordering a real pair of the same shoes I bought from a verified website ( XXXX ) The supplier he buys shoes from apparently has a factory in XXXX that produces a plethora of counterfeit products. He sent me a wide variety of shoes I could purchase claiming they are authentic. He also sold many pairs of shoes to people all over the United States through XXXX. 

I filed a police report with my local police department XX/XX/21 & XX/XX/21 XXXX XXXX are the reference numbers. XXXX is not willing to conduct their own investigation. I contacted PNC bank XX/XX/21 & XX/XX/21 who I have contacted denied my investigation without ever recieveing evidence from me. They claimed to send me a questionaire, that didnt arrive and within 3 days of them sending it. It was denied and they said it was an error on their part because they couldnt have sent the letter on a Sunday. Pnc dispute number XXXX. I am not being treated fairly. I have all the evidence of these interactions via screen shot, and voice recordings.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was pulled without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated an request for removal of a {$5400.00} federal tax lien on my Transunion credit file on XX/XX/2018. The federal tax lien was satisfied, released and withdrawn by the IRS. The IRS filed form XXXX Withdrawal of Filed Notice of Federal Tax Lien After Release with Clerk of Superior Court of XXXX XXXX XXXX XX/XX/2018. 
Transunion responded on XX/XX/2018 that it was being reported accurately. 
I verified with the Clerk of XXXX XXXX that this federal tax lien has been withdrawn and it is no longer reportable. 
Transunion did not properly contact the Clerk of XXXX XXXX to verify this lien.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX currently have some unauthorized inquiries appearing on my credit report. 


XXXX XXXX Date Of Inquiry XX/XX/XXXX Experian XXXX Credit Date Of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date Of Inquiry XX/XX/XXXX XXXX XXXX XXXX Of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed this account in  Chapter   XXXX  bankruptcy in  XXXX   XXXX  and BK was completed on  XXXX   XXXX . The last payment was paid on vehicle and was paid off  XXXX / XXXX / XXXX  totaling  XXXX .   XXXX  The following is what they show on my credit re port (  XXXX  ) C ollection as of  XXXX   XXXX  to  XXXX   XXXX  Debt included in Chapter  XXXX  Bankruptcy on  XXXX   XXXX ,  XXXX  They also show I was in collection from  XXXX   XXXX   XXXX  which has been shown as a negative on my report.