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

The IRS Clearly defined a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT! 
BY Definition The IRS Clearly says a Canceled or Charge Off is Income. The reporting of this account as debt is inaccurate. 
After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXX XXXX XXXXXXXX + XXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report.
Product: Credit reporting or other personal consumer reports

As far as I understand, FCRA 605B  mandates the removal of inaccurately reported accounts from credit reports. I'm unsure about the details, but I urge you to examine the accounts provided in the documents. They're inaccurately reflected on my credit report, with incorrect account details and statuses. This situation has left me feeling XXXX  and XXXX. Your help with this matter would be greatly appreciated.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I went to the 5th 3rd bank in XXXX XXXX Indiana to cash a check from a customer. The check was for XXXX XXXX  the bank charged me XXXX XXXX to cash the check. They said I would have to open an account there if I didn't want a fee.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/year> under the account number XXXX, a personal loan account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/year> under the account number XXXX and a collections account opened at XXXX on XX/XX/year> under the account number XXXX with a balance of {$49000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency was informed of a charged off account being inaccurately reported ( XX/XX/2022 ) .Account was removed based upon the completion of their investigation. However, the error has recently been placed back within my credit file. Affecting my general mode of living and preventing me from financial gain. Please help.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I would like to be reimbursed for all fees reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed some items on my credit file, that were unrecognizable/invalidated and Transunion claims that they verified the items, Transunion is the only credit reporting agency that continues to allow wrongfully items on my credit report, I have yet to receive any documentation proving that these accounts indeed belong to me, by the original creditors or Transunion, yet somehow they claim to have verfied the items. I have done my own research and have documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is Reporting, XXXX XXXX has a Balance my Balance is XXXX. 
XXXX was also Reporting. 
XXXX XXXX XXXX With a Balance This information is Also inaccurate My Balance is Also XXXX with XXXX XXXX XXXX. 
I DISPUTED the Balance with XXXX, Experian. And XXXX, My Request was, for Each Bureau, UPDATE, and DELETE, this inaccurate information from my File. 
My Balance From XXXX XXXX, and XXXX XXXX XXXX, is XXXX, and has been XXXX, since XX/XX/2021. 
XXXX, EXPERIAN, OR XXXX, Has not done as I Requested, and is Still Reporting inaccurate information. 
Please help me.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft. I have been working diligently to repair my Identity and credit profile. I have reached out to chexsystems a few times and each time was at least 1 hr on the phone then come to find out nothing was done as promised. I am extremely frustrated and disappointed at the level of service that was provided!. The last time on the phone with a representative, I spent almost 2 hrs going over derogatory items that wasn't mine, logging in issues, and then disputing them fraudulent items on my Chexsystems report. After 2 painful hrs on the phone, I requested a confirmation number for the disputed items. The representative refused to give me a confirmation number then the phone cut off on me!. I was beyond frustrated and couldn't believe what just happened!. I reached out to them the next morning once again. I come to find out that nothing was done by the last representative that I spoke with that hung up on me! I spent another 1 and a half hours going over and redoing what was requested the last time! After all said and done on the phone with the representative, I uploaded a copy of my Identification and my Identity Theft Report from Federal Trade Commission. Three days later I received an email stating that my Identity Theft Report from FTC wasn't sufficient enough and wasn't considered a valid theft report. Thefore my claim was denied and in order for reconsideration on the same claim, I must provide them with a copy of my Identity Theft Report sign by an officer or a copy of a police report. I also mentioned to the representative before filing the dispute ; that the same items that im about to dispute with Chexsystems furnished by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has already been confirmed and deleted by XXXX, XXXX, and XXXX. I also mention to representative that under FCRA CONSUMER LAW THAT THE FURNISHERS MUST FORWARD THE CORRECTED INFORMATION TO ALL CREDIT REPORTING AGENCIES AND TO MAKE SURE THAT ONLY THE CORRECT INFORMATION IS REPORTED FROM NOW ON. By not complying is a major violation base on consumer law. I believe Chexsystems is not the only one that is not with compliance. The furnishers that are responsible for reporting the inaccurate items, if found incorrect the furnishers are also responsible for forwarding the correct or corrected information to ALL CREDITREPORTING AGENCIES so that correct information is reported for the consumer from now on!. The furnishers that are mentioned in this matter is XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX ). 
Im extremely disappointed and don't know what else to do to resolve this issue with Chexsystems and hopefully I dont have the same issue with other CRA 's thats out there. I reach out today hoping for someone to help and looking forward for the good news.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent 609 letters to Experian, XXXX, and XXXX requesting proof of debt for the listed accounts below. I have not received any response from any of the 3 reporting agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that these items be removed from my credit report/profile as it is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of getting a home loan, and must be in the Equifax system in order to complete the home loan process. Closing date is XX/XX/XXXX. If  the issue is not fixed, I lose the house. 

XX/XX/XXXX - I spoke with Equifax about two separate lenders being unable to pull my Equifax report. I was told I did not exist in their system and needed to fax/mail documents and it would take some time to process. I faxed the requested documents ( Social security card and drivers license ) XX/XX/XXXX - I called Equifax to see where I was in the process of being put into their system so I could obtain a credit report and continue with my mortgage loan. I expressed my urgency. They said they were unable to locate the documents and I needed to fax them again. I faxed the same documents two times this time to be safe ( social security card and drivers license twice that day ). They said to call back in 72 hours. 
XX/XX/XXXX - After a total of 3 hours on the phone, I was told that my documents were finally found, and I was now in their system. The person on the phone said that I would now be able to pull my credit report, but there would be 0 information reported on it. Which was okay - for my loan everything was cleared with the other two bureaus, but I just have to have a file with Equifax to actually receive the loan money. I relayed this to the loan company, and they were unable to pull a report on me still. They then called Equifax, and we were told it would take 24 hours. 
XX/XX/XXXX - We were still unable to pull my credit report. After another 2 hours on the phone, I was told that I still have no file with them, and must get a new credit card, loan etc. and that will create a file under my name in their system. Although I gave them all the information to my current car loan and credit card. He could not answer as to why my current car loan and credit card did not create the file. 

I am quickly running out of time and am desperate to get this issue fixed.
Product: Credit card or prepaid card

I have the GM Card, which is a part of Marcus by Goldman Sachs. My most recent invoice closed on XX/XX/22. My total balance was {$4900.00} with a payment due date of XX/XX/22. My total credit limit for this card is {$5000.00}. I proceeded to pay the entire balance ( {$4900.00} ) on my card via ACH from my XXXX XXXX XXXX account with an effective date of XX/XX/22. The payment applied that day and the current balance on the Marcus by Goldman Sachs account website reflected {$0.00}. In addition, my XXXX XXXXXXXX XXXX account website also reflected the dollars having exited that account on XX/XX/22, with my remaining available balance reflecting the absence of those dollars. The main issue I'm having is that when I look at the Marcus by Goldman Sachs website for my GM Card, it showed only {$77.00} of available credit, even though I had a {$0.00} balance and a {$5000.00} credit limit. When I called Marcus by Goldman Sachs on XX/XX/22 aXXXX XXXX XXXX  EST, I spoke to a customer service representative by the name of XXXX, followed by her supervisor, XXXX. They both said it would take 7 days for my available credit to reflect that I had paid my bill. They said there was nothing they could do. I filed a complaint thru the supervisor XXXX and was promised a call back, and never received one. From personal experience, I have multiple credit cards, some of which have credit limits as high as {$40000.00}. Every single time I've paid a balance due, regardless how large or small the payment, the very next day my available credit reflects that fact. At no point was anyone at XXXX by Goldman Sachs able to explain why they're essentially taking a 7 day interest free loan and not reflecting an accurate available credit limit. In addition, upon reviewing their terms and conditions, there is no mention anywhere in the document regarding a lag in updating available credit after a payment is made. Had I known my available credit would not have been updated immediately, I would have never made the payment effective two days after the statement date. This seems like a travesty and a complete abuse of customers regardless whether the payments made were {$50.00} or {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent my proof of my residency to the credit bureau for updating of my profile and they keep reporting addresses that doesnt belong to me to my account so Im making this complaint today
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. Theses fraudulent accounts consist of a charged account that went to collections opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, XXXX collections account open at XXXXXXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX under the account number XXXX another opened XX/XX/XXXX under the account number XXXX. A Secured Loan under XXXX XXXXXXXX XXXX that opened on XX/XX/XXXX XXXX under the account number XXXX. A secured credit card under XXXX XXXX, that opened XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXXXXXX XXXX XXXX XXXX that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX contract says I can be released from contract if I move and they can not provide XXXX  at new address. I had a XXXX  rep out to my XXXX home to establish XXXX  aftermoving from XXXX  in XX/XX/XXXX. He was unable to get a signal XX/XX/XXXX. XXXX did not release my contract but continued to bill me until I stopped payment in XX/XX/XXXX. They sent me to collections. I filed with the XXXX  and thought everything was resolved when I got a notice from XXXX  stating my account was closed in XX/XX/XXXX. They never refunded my XXXX from the 3 months prior which I didn't pursue. However, now they've sold this debt again to a new collections Co and I am going through it again. Can't call XXXX  my number gets disconnected with a message saying it's in collections call the collections Co who wants documentation from XXXX who is impossible to contact
Product: Credit reporting or other personal consumer reports

First Progressive, Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Amounts : {$220.00}, {$200.00}, {$200.00} XXXX XXXX XXXX, Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Amounts : {$930.00}, {$930.00}, {$930.00}, XXXX XXXX, Date : XX/XX/XXXX, Amount : {$250.00}, XXXX XXXX XXXX, Dates : XX/XX/XXXX, XX/XX/XXXX, Amounts : {$3500.00}, XXXX, XXXX XXXX XXXX, Dates : XX/XX/XXXX, XX/XX/XXXX, Amounts : {$880.00}, {$880.00}, reported by XXXX, XXXX, and XXXX. XXXX XXXX Credit Report Attached as verifiable evidence of multiple charge off under same social security number account that is Certified, and Listed as Decedant Account, duplicate Account charges, and unauthorized Inquiries, hard and soft. Account listed as vast XXXX XXXX. Owner and XXXX XXXX XXXX XXXX XXXX ] : XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> I had an Air Conditioner installed for {$3500.00} dollars from XXXX XXXX. They offered a financial company Called XXXX  with a XXXX no finance charge which I accepted. I decided to pay the loan off with my XXXX XXXX XXXX XXXX and when I tried I was connected to a company called Citizenspay who I never authorized for my loan. They told me I could not pay the loan with my credit card. They only accept check payments. I told them that I did not have the money to pay the loan and that is the reason I had the XXXX XXXX XXXX. They said sorry but you could send a money transfer. I will not do that because XXXX XXXX charges 5 % and that would cost me {$150.00} on a {$3500.00} loan. I was never told of the exclusion of a credit card. Please advise. Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

XXXX, TRANSUNION AND XXXX are providing false information regarding my actual situation, that is causing me a lot of emotional damage, but also their wrong information is blocking me the opportunity to get credit from banks or credit cards, because I want to build my credit but because their false information, they make me look like a risk person. I summited a banckrupcy and it was discharged on XX/XX/2022, XXXX XXXX, that erases all the debts under my name, but they continue showing old and not accurate information ignoring the judge resolution. I asked to remove that information but they insist not to remove it. Also, it was a very hard time for me to get my own reports because they took too long, more than a year to send me my information, but they do inmediatly with the banks or other agency, that is not fair, because is not only the false information, it is also the discrimination to me.
Product: Credit reporting or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY XXXX REQUEST FOR REMOVAL OF THE FRAUDULENT INQUIRIES SEE ATTACHMENT.
Product: Credit reporting or other personal consumer reports

I have submitted my inquiry removal letters to all credit reporting agencies : XXXX, XXXX, and TransUnion. I have been patient, and I have submitted all the listings of each inquiry and creditor that must be removed from my credit report according to the Fair Credit Reporting Act, because they are effecting my personal life and well-being, and are unrecognized and unauthorized inquiries. They have refused to cooperate in doing so, and have not followed up in the investigation process, and instead sent me a letter back with accusations that I was using a Third Party to repair my credit. 

I have submitted my FTC Report, given these bureaus ample time to investigate, and have provided all necessary details, and these unauthorized inquires are still showing on my credit profile. Additionally, I have inaccurate accounts reporting to my credit report, various name variations, wrong address information, and a XXXX account that I have been working to get removed due to inaccuracies and none has been changed. 

I am demanding that these hard inquiries be removed from my credit profile as soon as possible. I have a quality of life that is contingent on an accurate credit report, and it is not lawful for these reporting agencies to put my credit at risk by reporting unauthorized, inaccurate, and unverified information and vexing my credit score.
Product: Debt collection

I paid XXXX financial to take care of this. The company never did send me a bill and the company that put it on my report was not the original company..
Product: Vehicle loan or lease

I was hit by another driver and my vehicle was deemed a total loss. This occured on XX/XX/18. XXXX has been ready to send a check to Chase for XXXX toward the loan but Chase has not reached out and is causing me to make higher interest payments on a loan that should not be this high. I have called them multiple times, as did XXXX to get this resolved but they have not cooperated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is a criminally motivated company- in spite of 10 complaints did not remove the old address to current new address, even after confirmed by XXXX  XXXX XXXX This criminal conduct by Experian is harming me to open a new credit card. 
Current Address XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Furthermore, this criminally motivated company - Experian never provided any evidence that I applied credit to this company below " XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX MN, XXXX '' ================================================================== I am getting a lot of spam calls to my personal phone number, XXXX, XXXX and this criminal company Experian MUST NOT list my personal phone number in my credit report at all
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is STILL refusing the REMOVE an unauthorized hard inquiry from my credit report. I HAVE PROOF FROM THE CREDITOR, that it was unauthorized and should be removed ASAP without further investigation! My lawyer and i have been contacted by phone and email from the creditor. Please remove ASAP.