23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have sent THREE " CERTIFIED '' letters to all three credit reporting agencies ( XXXX, XXXX, Equifax ) this year to please remove three accounts off my credit reports. There are two accounts from XXXX XXXX XXXXXXXX and one from XXXX XXXX 
I have asked all three credit agencies to verify the accounts and show proof from all three creditors that they can prove these are my accounts and no PROOF has been verified. 
I only get an updated credit report from every reporting agency stating, " account verified '' and absolutely no proof of verification from the three credit reporting agencies nor the three creditors. 
I have called in to the credit reporting agencies to ask for proof from the creditors and nothing is offered or verified. 
Please help me to remove these accounts off my credit report. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DPTEDXXXX {$3300.00} XXXX {$400.00} XXXX {$640.00} XXXX {$190.00} XXXX {$630.00} XXXX {$360.00} XXXX XXXX {$520.00} XXXX {$3500.00} XXXX {$640.00}
Product: Student loan

I discovered that I have credit reporting of over due accounts with a company that I never took a student loan from. In addition, I am XXXX and taking out federal student loans and private loans for college. 

The company failed to contact me. The company filed to check out the national database to see that I am registered XXXX. 

I have tried to call them but there was no answer
Product: Credit reporting

I have a tax lien reporting on my equifax credit file due to having unpaid taxes i had to pay to the state of Georgia. Around XX/XX/XXXX, I had received a letter from the state of Georgia saying that I owed at that time, {$810.00} to the state due to taxes that I filed back in XX/XX/XXXX. After receiving this notice, I immediately contacted Georgia Department of Revenue to get this taken care of which I did. I made payments over a period of about 10 months which totaled {$810.00}. I made these payments hoping nothing bad would come out of this and everything would be ok after its paid off. Well, I went to go try to finance a car and the dealer immediately turned me away due to having a tax lien on my credit report. At that time, I did not know what a tax lien was or how it even got on my credit file until I found out that it came from not paying my state taxes. As soon as I found out where it came from, I took aggressive action in trying to remove this from my credit file by disputing this with equifax. Even with paperwork that i have showing that it was released in XX/XX/XXXX, they keep refusing to remove this and telling me that it is reporting accurately and will remain on my credit file. I just dont understand why after something I have paid in full, and something that does n't even pertain to them, why they just do n't remove it after years of it being on my credit file and being paid. Its not hurting equifax! It 's hurting ME! Its literally keeping me from obtaining credit at certain places. I am begging you, PLEASE ... PLEASE help me! I am trying to and wanting a better future for my family and I and this is really hurting it right now. Thank you so much for allowing me to write and submit this letter to you. I hope you will understand and see why I want this removed. Thank you again.
Product: Debt collection

XXXX XXXX XXXX has been contacted by myself numerous times about a bill for XXXX phone service. This is not my account and I have tried getting it removed from my credit report. The balance is XXXX. I have no knowledge of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX please remove any other variation of my name. My SS XXXX DOB XXXX. My current and only address is XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX please delete the folowing addresses they are not correct : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX,  XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX Please remove these unknown cellphone number they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft pursuant to 18 USC 1028A, I never gave written or verbal authorization to no reporting agencies to report these negative accounts on my credit report. I am also a victim of the XXXX data breach, my information was exposed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is what I have sent to numerous customer service research emails for Dovenmuehle. 

I am writing because XXXXXXXX XXXX, Dovenmuehle and XXXX is reporting negatively on my credit report. XXXX currently shows delinquent balance throughout XXXX as late as XXXX of XXXX. The document attached shows where my total balance was paid in full XX/XX/XXXX. This property was sold to another buyer. The attachment also shows where the check for the balance of XXXX, was overnighted to XXXX as well as signed and received by XXXX employee XXXX XXXX on Wednesday, XXXX XX/XX/XXXX @ XXXX. I do see a hand written note that it was not processed until XXXX, however that was done by an XXXX Employee. I can not answer why it took so long to process. At this time I need all three companies to update my report immediately as this is hindering me from a new purchase. There should be no late or delinquent payments throughout XXXX. 

I have been working/waiting for Dovenmuehle to correct this error for over a year now and each week that i call for an update I am told it is being reviewed and someone will call me in 72 hours. I have been given two dates of XX/XX/XXXX and XX/XX/XXXX stating this will be resolved. I have literally called every week and I have not received a single return call from anyone at this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian atill has a XXXX collection that is not reflected in my other 2 bureaus for fico scoring. This is flr a medical bill and this was resolved when i gave them a copy of my insurance information.
Product: Student loan

Starting nearly 18 months ago. My loan servicer Navient has been claiming they have not received my income based repayment application. XX/XX/XXXX- I applied for income based repayment. Shortly after I started receiving calls regarding my late balance. They asked me to resend it and they offered to put my plan on forbearance for 3 months to ensure it would stay in good standing. I immediately resent the application. XX/XX/XXXXXXXX I started receiving calls again claiming they had not received my application. Again they offered forbearance for 3 months. Again I sent my application. XX/XX/XXXXXXXX calls started coming again, this time I pressed them for more information, stating that I had sent it 3x already. Only then did they say " we have your application on file it is missing a signature ''. Again they offered forbearance, and I again I filled out and sent an application. XX/XX/XXXXXXXX Calls came in again. Again when I pressed them for more information they said that they received the application but that my tax return was missing ( it had been sent together with the application ). When, they offered to put me on forbearance I said no- I will send my app today and I expect a phone call within 48 hours. 48 hours later ... received phone calll, we received your application lets just put you on forbearance until it processes. XX/XX/XXXXXXXX Received phone calls that my account is passed due ... I told them, I am consolidating my loans, please dont ever call me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote a dispute letter to Equifax in reference to : Inaccurate Information on My Credit Report : US Bankruptcy Court-Atlanta-Case # XXXX US Bankruptcy Court-Atlanta-Case # XXXX ( See Attached ) On XX/XX/XXXX, Equifax received the letter. ( See attached ) On XX/XX/XXXX, Equifax completed their investigation and the results were : We have verified that this public record item is reporting correctly, on both. 
( See Attached ) On page 1 of my Equifax Credit File, Equifax states, If your dispute involves a public record item, Equifax contacts a third-party vendor to obtain the most recent status of the public record. ( See attached ) On page 3 of my Equifax Credit File, XXXX is listed as that third party vendor. 

On XX/XX/XXXX, I received a letter from XXXX providing me a Security Freeze Confirmation of my file. ( See attached ) On XX/XX/XXXX, I received my Equifax Credit File that outlines the Verified Items Reporting Correctly. I called and spoke with ( 3 ) employees ( XXXX, XXXX, and a 3rd gentlemen who did not give his name ). All employees were from the XXXX XXXX XXXX   Department. According to each employee, they verify the information by sending an electronic notification to the Court and they verify that the information is correct. 

On XX/XX/XXXX, I received a letter from Deputy Clerk-XXXX  XXXX, from the United States Bankruptcy Court of Atlanta ( See attached ). The letter states, The Clerks Office does not provide information to credit reporting agencies. 
I asked each employee can they provide me the names of the person ( s ) who verify the information accurately ; and they could not provide me with the names. According to FCRA 611 ( a ) ( 7 ), I was requesting a complete description of all methods used to investigate my aforementioned dispute. 

Also according to Federal Rules of Bankruptcy Procedure Rule 1005- a debtors last four digits of the social security number are used.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all the documents and correspondence. Please include all names and contact information of employees that you spoke to as part of this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to TransUnion LLC to verify or delete three accounts that were present on my credit report according to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ). On XX/XX/XXXX TransUnion LLC responded to me via mail and removed one account ( XXXX XXXX XXXX ) that was listed, one account ( XXXX XXXX   XXXX  ) was verified by a signed contract that was sent to me via mail, and the other account ( XXXX XXXX XXXX XXXX ) was listed as verified but I did not receive any paperwork to substantiate this claim. 
On XX/XX/XXXX I sent certified letter number two to TransUnion LLC asking to verify or delete ( XXXX XXXX XXXX XXXX ) account in accordance to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ). On XX/XX/XXXX I received a letter from TransUnion LLC stating that the account had been verified, but I did not receive any paperwork to substantiate this claim. 
On XX/XX/XXXX I sent certified letter number three to TransUnion LLC asking to verify or delete ( XXXX XXXX XXXX XXXX ) account in accordance to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ). On  XXXX I received a letter from TransUnion LLC stating that the account had been verified, but I did not receive any paperwork to substantiate this claim. 
On XX/XX/XXXX I sent certified letter number four to TransUnion LLC asking to verify or delete ( XXXX XXXX XXXX XXXX ) account in accordance to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ). On XX/XX/XXXX I received a letter from TransUnion LLC stating that the account had been verified, but I did not receive any paperwork to substantiate this claim.
Product: Credit reporting or other personal consumer reports

XXXX is showing that i have a balance with American Express in the amount of {$2100.00} These are not charges I made with my American Epress Card but rather with the primary account holder, I am only an authorized user. The primary accout holder XXXX XXXX XXXX charges and balances are being reported to the Credit Reporting Agencies by American Express to my credit report and they are not my charges. I have tried calling XXXX and they refer me to American Express ( Amex ) when I Call Amex they send me to a call center in XXXX they say they are following policy and reporting to the Credit Reporting agnency as required By Law ( quote ). I have told them these are not my charges and should not be reported on my credit report. They either do not care or completely unknowledgble of American Laws. This is the second time this is happening. 
Isnt it illegal to falsely report to the credit reporting agencys inaccurate information? I will seek legal action if this continues, American Express and XXXX need to correct this information correctly and backdate the correct information accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company responded on XX/XX/XXXX as a result of their investigation through the CFPB. 
Account # XXXX was " UPDATED '' and according to the credit bureaus the account is still reporting discrepancies. that I will attach below. 

{ XXXX } { XXXX } Errors & Inconsistencies Found : The date of last activity is inaccurate. Equifax is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. The date of date opened is inaccurate. Equifax is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Credit limit, balance, high credit, payment history is also inaccurate. 

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. unless you want to be held {$1000.00} per violation.
Product: Debt collection

XX/XX/XXXX some person open an account with XXXX XXXX/ No the creditor is Southwest XXXX XXXX  for {$60.00} in my name on on XX/XX/XXXX untill current someone opened a XXXX XXXX XXXX in my name In the amount of {$2100.00} You sent the police report to XXXX XXXX yet I still have this on my credit report. I do not do either of these these are not my debts and they are greatly affecting my credit I have filed the police report filed disputes and still nothing has happened they are still on my credit report
Product: Vehicle loan or lease

I purchased a motorhome from an individual through Bank of the West at the end of XX/XX/2022 first of XX/XX/2022. Bank of the West never processed the transfer of title and registration paperwork thus causing the registration to expire and the title to remain in the previous owners name. Since the registration is currently expired I am unable to move or use the motorhome. I have called numerous times over the past 8 months and each time I call I get a different excuse. I requested to speak with someone higher up at the bank and was told there were no phone numbers and departments usually communicated by email. They advised I write a letter expressing my displeasure. At one point I was told the delay was caused by the bank requesting paperwork from the original owner before my loan was actually funded so when the paperwork was received it had nowhere to go so the bank basically lost it. Instead of someone from the bank contacting me to let me know there was a problem I was notified by the original owner. Ive been told they needed to request a duplicate title, they needed a new power of attorney, they needed approval to pay the late fees with the DMV, and they could not do anything more until the issues they created were rectified. I have been making a payment on this motorhome for almost a year and have been unable to use it. This is costing upwards of {$1200.00} a month for something I am unable to use. This doesnt include the insurance I had to take out before I even took possession of the motorhome because it was a Bank of the West rule for funding the loan. I did receive some duplicate paperwork for myself and the original owner over 2 months ago that I went ahead and completed and was told by the original owner they completed and returned as well. I still cant get an update from the bank on when this situation will be resolved. I have been on a waiting list for a storage spot at the military installation where I work and was finally called about an open spot but was told I could not accept the spot because I didnt have current registration. The spots on base are substantially cheaper than other storage locations so Ive been forced to pay twice as much for a storage spot because Im unable to move the motorhome. The base did agree to hold the spot if I paid for it. In order to not miss out on the available spot, which is also closer to my home, I had to pay for it. Not only am I paying for the motorhome I cant use but Im paying for 2 storage spots and insurance on a vehicle that legally is still not mine and I cant legally operate. To date the motorhome is still registered to the previous owner and I have been given no timeframe for resolution.
Product: Credit reporting or other personal consumer reports

I've been trying to fix this issue with Equifax for a while now. On my credit report there are a few items that I have noticed that are invalidated/inaccurate. I have tried to fix this issue with this agency in the past, their investigation did not fix the issue. Under the FCRA any item that is inaccurate/invalidated can not be furnished on a consumer credit file. This issue has cause me trauma and major XXXX  distress and is a detriment to my overall health, because of the sudden dramatic change that has affected my credit file. It is up to them to fix this issue and remove these accounts asap.I 've been trying to fix this issue with XXXX for a while now. On my credit report there are a few items that I have noticed that are invalidated/inaccurate. I have tried to fix this issue with this agency in the past, their investigation did not fix the issue. Under the FCRA any item that is inaccurate/invalidated can not be furnished on a consumer credit file. This issue has cause me trauma and major mental distress and is a detriment to my overall health, because of the sudden dramatic change that has affected my credit file. It is up to them to fix this issue and remove these accounts asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

1-On XX/XX/XXXX i opened a bank account with XXXX XXXX 2-As i was managing my account on line a pop up appeared suggesting i apply for a credit card with XXXX. 
3- The pop up made it clear that my application will not affect my credit score ( i am attaching their pages as it appears and as it prints out attachments A1 and A2 ). Which implicitly meant hard inquiry will not appear on my credit report ) 4- Immediately my experian monitor reported that i had made a hard inquiry and that my score dropped 4 points due to this inquiry.

5- I immediately sent XXXX and email explaining them the situation and asking them to remove the hard inquiry. they answered in 2 days saying they ca n't do it and i have to contact another department 6- I sent XXXX a letter on XX/XX/XXXX about the issue requesting them to delete that hard inquiry ( see attachment A3 ... ). they answered with a letter to send more information about the issue. 
7- I sent a letter to Experian on XX/XX/XXXX ( A4.. ) of the incident and other incidents asking them to delete that hard inquiry especially that my written and or verbal consent is required as per the stipulations of the law. 
8-Received letter from Experian that though companies do not have my written or verbal consent they still can report a hard inquiry and i should object with your office. 
9- I sent XXXX second letter attachment A5 ) with more info.

10- XXXX sent letter ( attachment A6 ) refusing to remove the inquiry.
Product: Credit card

On XX/XX/year> I tried using my platinum credit card and it kept declining so i tried my other credit card ( XXXX XXXX ) and it also declined when trying to purchase an item. I checked my accounts through my app and both credit card accounts had been restricted. I called Capitol One on XX/XX/year>, after waiting all weekend to find out through a representative that both accounts had been permanently closed.I asked the representative over the phone which account caused this issue and I was told my platinum credit card account. Since I have had no issue ever with my Platinum credit card account or my Savor XXXX credit card I asked if they would consider opening my Savor XXXX account up again and I was told no it was permanently closed. Even after paying it off early and in full on XX/XX/year>. I rely on these accounts to help with every day needs of my family and I and feel that the decision that was made was wrong and unjustified. Especially closing the XXXX XXXX account that had nothing to do with the other account with the alleged violation. I've been a loyal customer for years and if Capitol One refuses to open my accounts back up I will feel obligated to take them to court over this issue that occurred causing me to have XXXX XXXXXXXX from this whole situation. This is not how customers should be treated especially when some of us have family trying to deal with the devastation from the flooding that literally just happened.
Product: Credit reporting or other personal consumer reports

An FTC identity theft report was immediately filed regarding the fraudulent reporting and unauthorized access to non-public-private information without my consent or the right to opt-out. The report number is XXXX. All communications shall be done through mail.