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

I attempted to access the online dispute functions on the Equifax website on Monday XX/XX/2018. I was able to access it, but it timed out before I finished my dispute, so I logged back in to try again. This time all three security questions contained lenders/creditors I didn't recognize as they pertained to the questions and I answered none of the above for all of them. Apparently I answered one or more of them wrong because I was locked out of the account. I tried calling equifax today and spent an hour on the phone with them with no success in regaining online access to disputes and my credit report. I was informed several times during this phone call that my name was incorrect and and that I could only get upper level website support if I was a paying customer. Both the customer service representative ans supervisor claimed my name issue was at the fault of the creditors. On my other credit reports I have several versions of my name reported because of the way different creditors report items, but Equifax only had one name and it was incorrect. In 13 years of credit history they have only one name listed for me. It is absolutely impossible and can't be the fault of the creditors when those same creditors report to other agencies properly. I was told I could get a report mailed to me but could not regain access to the online dispute and would have to fax them a letter with my driver 's license and social security card in order to make any disputes and correct my name. I have no idea how these procedures are similar or vary to other credit agencies, but I'm deeply concerned about the name variance and abnormal creditors listed on my security questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was ran without my consent resulting in inquiry on my credit report and file. This is a fraud inquiry and i want it removed.
Product: Credit reporting or other personal consumer reports

I am facing an issue with accessing and maintaining accurate information across all three major credit bureaus ( XXXX, XXXX, and TransUnion ). 
XXXX Issue : I am unable to access my credit report because XXXX claims they can not locate my information. 
Concern for XXXX and TransUnion : I am concerned that my credit information is not consistent across these bureaus, which could lead to future issues in accessing my credit reports. 
These errors are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) : Section 609 ( 15 U.S.C. 1681g ) : My right to access my credit report.

Section 623 ( 15 U.S.C. 1681s-2 ) : The responsibility of furnishers to maintain accurate information. 
I request the CFPBs in : XXXX. Ensuring my credit information is synchronized, accurate, and complete across XXXX, XXXX, and TransUnion. 
2. Resolving XXXX error and restoring my ability to access my report. 
XXXX. Guaranteeing that I can access accurate credit reports from all three bureaus without issues in the future. 
I am providing full documentation ( proof of identity and address ) to help resolve this matter. 
I would like to mention that my information according to my id is : First name : XXXX XXXX XXXX XXXX : XXXX Last name : XXXX XXXX XXXX XXXX XXXX XXXX City : XXXX XXXX XXXX New York XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went over my credit reports and I realized that there are some derogatory accounts that are being reported on my credit. These accounts are false and do not belong to me. I also have no knowledge of who could have gained access to my credit. Now because of this, I have no chance of obtaining any new credit. Please start an investigation into this issue and have these derogatory accounts deleted off my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX inquiries on my credit report that are done outside of my knowledge without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> To : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian/XXXX XXXX XXXX I am writing to inform you of the results from my recent dispute with XXXX regarding two charge-off accounts that were previously reported on my credit report. Following my dispute, XXXX conducted a thorough investigation, which concluded 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 
Given that XXXX determined these accounts to be unverifiable and subsequently removed them from my credit report, I am requesting that you review your records and remove them from my credit report as well. Their continued presence on my credit report may violate the Fair Credit Reporting Act ( FCRA ). 

Consumer Rights and Legal Obligations Under 15 U.S.C. 1681i, credit reporting agencies are required to ensure the accuracy of the information they report and must remove or correct any unverifiable information. The deletion of these accounts by XXXX indicates that they were found unverifiable. As a result, your agency is obligated to remove these accounts to comply with the FCRA. 

Action Required I am requesting that you perform a review of these accounts and remove them from my credit report if they can not be verified. Failure to comply with this request may constitute a violation of the FCRA and could subject your agency to potential legal consequences as outlined in 15 U.S.C. 1681n and 15 U.S.C. 1681o, which provide for actual or statutory damages and attorneys fees for willful or negligent violations.

Timeline for Compliance In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), please ensure that these unverifiable accounts are removed from my credit report within 30 days from the date of this letter. 

Request for Confirmation I request that you provide written confirmation by [ insert a date 30 days from the date of this letter ] that these accounts have been reviewed and removed from my credit report. If you do not remove them, please provide a detailed explanation of why they remain on my report. 

Attachments Copy of XXXX written confirmation of account deletions. 
Any relevant supporting documentation related to this dispute. 
Thank you for your prompt attention to this matter and your commitment to ensuring the accuracy of the information on my credit report. I look forward to your response. 

Sincerely, 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

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX. ( XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying you that I mailed Experian, XXXX, and XXXX a dispute letter about their inaccuracies and incorrect information. There was 2 ( XXXX XXXX  XXXX XXXX XXXX ) accounts that I notified them about because I found too many errors and inaccuracies. I mailed the letters out on XX/XX/2021. XXXX, Experian, and XXXX has not responded to my dispute letters and its been over 30 plus days and that's a violation. They have not issued a notice of dispute on neither of the 2 accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting erroneous inaccurate and absolete NEGATIVE information to my credit report. I was never late on this card payment, please see attached letter of explanation that I sent to XXXX several times and received NO reply from them at al ....
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a ID theft report was filed to the federal trade commission in regards to unauthorized Inquiries and creditors on Experian XXXX and XXXX XXXX credit reports. 

FTC report number XXXX. 

Please remove all inquiry 's creditors listed below. Idid not authorize them. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

An a late property tax for the leased car was sent to the XXXX XXXX XXXX ( XXXX ), before I was even notified of the tax bill. XXXX has turned over the account to collections. I informed them this bill was mistake because I had returned the car a year earlier, and contacted XXXX County, VA - to update the vehicles record and cancel the tax bill, which they. However the account still shows as in collection with a balance for {$510.00} due on the Experian report. 

I contacted XXXX XXXX XXXX regarding the incorrect information which only appears on Experian report and not others. They said I needed to contact Experian. I tried to open a dispute with Experian but it rejected it because I had previously disputed it but the information was never fixed. Experian is not letting me dispute again and the Creditor acknowledges there is no balance due, but will not contact Experian themselves to fix it.
Product: Debt collection

ACCT XXXX CASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This collection/attorney 's office put a judgement against my name for my ex husband 's credit card that I never signed for. I called XXXX XXXX XXXX and verified that this is my husband 's credit card and it was never under me. This attorney 's office illegally attached this debt to my name. XXXX XXXX XXXX XXXX only opens cards under the card member 's name who works at the XXXX research lab. I never agreed to this credit card. The judgement needs to be removed from my name. 

The credit card in question is visa ending in # XXXX
Product: Credit reporting

Hello, My husband and I filed bankruptcy on XXXX/XXXX/2016 and were discharged on XXXX XXXX, 2016. However, XXXX XXXX and XXXX XXXX XXXX reported that we had an " Open Account '' and were behind in our payments. They never reported that we were in an active bankruptcy and that the accounts were included after being notified by the bankruptcy court and our attorney. However, I called Equifax and they repeatedly hung up on me and never changed or removed the information after sending them in our discharge paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX dated XX/XX/2023 - XXXX Credit Review XXXX on this letter! 
that I applied for credit and I did not : Reference # on the letter - XXXX * Unable to verify identity information was reported on this letter which created a hard hit Inquiry on my Credit Report, I called the company and reported Identity theft to XXXX Credit Review to please remove this hard hit as it says : XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Phone : XXXX XX/XX/2023 I've called Equifax to remove this and reported disputed online- they said no! 
Dispute was closed the very next day on the weekend Sat and Sunday, I want this hard hit off my credit report under the Inquires. 
I have froze and reported identity theft on my Equifax report XXXX XXXX XXXX ( XXXX ) XXXX cell XXXX
Product: Debt collection

West lake financial has called me before XXXX on several occasions They have called numerous times in 1 day and I have received phone calls even after speaking to someone. 
The person I spoke to yesterday said they would note the account, the person today when I told her they can not call me repeatedly day after day with speaking to them she said that is not with in our contract. Calling me multiple times a day and making contact and calling again the next day is harassment and illegal. This is beyond harassment and nothing has changed from the day before to today. I have had open communication with the company and called them to voluntarily surrender my car.
Product: Debt collection

I NOTICE A NEGATIVE ITEM FROM ONLINE INFORMATION SERVICE ON XXXX XXXX, SO I SENT THEM A DISPUTE LETTER CONCERNING THE ALLEGED DEBT OF XXXX $ THAT I DO NOT OWE.I HAVE ATTACHED A COPY OF THE LETTER TO THIS COMPLAINT BELOW WITH ALL OF THE INFORMATION THAT I HAS REQUESTED.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX I was going through a horrific divorce where by advise for my safety from attorneys was told to leave home till he is served XXXX. Two days prior he cut me off all bank accounts had no money etc, called Wells Fargo XXXX XXXX  Branch. to tell them whats happening and want to make it right. Meanwhile they refused to work with me said sorry going into collections. Beginning of XX/XX/XXXX received a letter from them stating they would forward this onto attorneys if I dont respond by XX/XX/XXXX. I called XX/XX/XXXX spoke with a lady told her story she confirmed all true and said I have every intention paying but want to come to an agreement and refuse to pay interest sense I did try to work this out to never get here prior. She assured me wouldnt be forwarded onto attorneys. Asked her next step she said she had to forward I got onto collection too see if they accept your terms and work out a repayment plan and we will get back to you. On XX/XX/XXXX and until than heard back nothing from them and there was XXXX notice via mail, phone, Text, email that they even came to an agreement to begin with nor that they would debit {$13000.00} on that date out of my account. I was NEVER notified again of either an agreement made nor they would remove on their own money from my account. Even made them very aware of real life crisis way before I was late way back on any payments and refused to work with me. Demand my full amount back in my account asap as had to cancel large payments already planned and prepaid as they never notified me as well as asked how to repay as I have a couple of accounts. That is fraud!!!
Product: Credit reporting or other personal consumer reports

Please consider this my official cease and desist notice. Under 15 usc section 1692 a ( 2 ) The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. Which also includes the credit reporting agencies. Also, my account with XXXX XXXX  account there is arbitration clause in my contract which means they are in breach of contract for selling my debt to you and I going to exercise my rights in regards to that fact will file lawsuits with anyone involved in this breach of contract.
Product: Mortgage

I have requested and received the reinstatement letter indicating the total amount needed to reinstatement of mortgage. The letter includes breakdown of various items. 
The attorneys fees was previously filed in court ( see attached ) as {$6000.00} +. 
However, in the reinstatement letter the attorneys fees is listed as {$8000.00} + See attached ) Nothing else has been done substantially since. 
I am being ripped off
Product: Credit reporting, credit repair services, or other personal consumer reports

I review a current copy of my credit report and show dept of XXXX showing late payment to student loans. Currently, I have never been late and I sent mulitple dispute inquiries with no successful updates and have past the require timeframe per FCRA. Please delete account of my credit report listed below. 

DPT ED/NAVI Account number : XXXX XXXX DPT ED/NAVI Account number : XXXX* DPT ED/NAVI Account XXXX DPT ED/NAVI Account XXXX DPT ED/NAVI Account number : XXXX DPT ED/NAVI Account number : XXXX
Product: Checking or savings account

this is a follow up to prior complaint # XXXX where in my check was stolen and falsely endorsed- i have been told by chase there is nothing they can do for me and even though the check was falsely endorsed. 
chase opened an investigation file # XXXX and supposedly has contacted the bank that negotiated the check ( citizens bank ) again Chase is telling me the " will not give me my {$10000.00} back. '' which is the reason for this email on XX/XX/22 i wrote a XXXX to XXXXXXXX XXXX XXXX for XXXX the check was stolen and an individual tried to deposit said check all paperwork was filled out with chase to get the money back - it has now been 5 months - i did not give chase permission to negotiate that check to anyone except XXXX XXXX XXXX - again chase is telling me it is my problem- and suggested i call XXXX XXXX which i did. XXXX  is telling me they have no information on this claim
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$0.00} 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: Debt collection

The company has asked that I pay a debt for acct # XXXX  : that they can't show that I owe the debt i asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX  I asked the company to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of XXXX XXXX records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, Midland keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has not VALIDATED the debt. Or any of the things I've asked I DEMAND THEY ANSWER THE QUESTIONS ASKED OF THEM.
Product: Debt collection

I received my first call from Westlake financial at XXXX from the number XXXX ( XXXX ) XXXX, I advised the agent I would pay via the app they provide on XX/XX/year>. I then received another call from Westlake financial at XXXX from the number XXXX ( XXXX ) XXXX, the collector did not immediately identify their name just the company. I advised him a representative already called me I asked for his name and his supervisors name but unfortunately they were XXXX  names and I was unable to understand them. I then asked him not to call me back he said ok and hung up.
Product: Vehicle loan or lease

I XXXX XXXX sent a money order for the remaining balance of the car loan for XXXX on XX/XX/2023. 
It is XXXX  and the credit has not been applied to the account. 

Ive sent various emails reflecting and discussing this scenario. Now Account is passed its due date.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX Re : Notice of Dispute Dear CFPB, I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX XXXX - Delete this account because you are inaccurately reporting ( STATUS, BALANCE. XXXX : XXXX {$10000.00}, XXXX updated XX/XX/XXXX, XXXX Account charged off. {$31000.00} written off. 
Status updated XX/XX/XXXX, Last payment date XX/XX/XXXX, Balance details Paid off.XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Original balance XXXX Original balance {$21000.00} In Transunion : XXXX updated, XX/XX/XXXX, Original balance $ XXXX Charged off as bad debt.Status updated XX/XX/XXXX You have 30 days from the receipt of this notice to conduct a reasonable investigation to determine whether the above information is inaccurate and delete the items from my consumer file. Please forward any changes to my file to the address above. 

Regards, XXXX XXXX XXXX
Product: Credit card

I had issues with two merchants which I got charged for item I didnt receive correctly and I have submitted the documents to show them the merchant denied me refund, however the bank hasnt helped me get my funds back and didnt help me resolve it Dispute XXXX Dispute XXXX
Product: Checking or savings account

On, XX/XX/2024 {$800.00} XXXX  ATM did not dispense money but took it from my Cash App account. I immediately called the number on the ATM they said to call my bank. I called my bank ( Cash App ) but the representative kept trying to treat it as a regular transaction from a store. what I said to both of them was '' the atm spit my card out like it was going to say please take your money but it didn't instead the atm said system error and reset itself. '' The next morning I immediately went to the bank where the atm was and they said they couldn't help I had to call my bank. It was freezing outside I waited there for about XXXX min after the atm finished loading and it still didn't dispense any money. On XXXX XXXX 2024 I received an email from my bank stating my dispute had been denied for documents contact support. On XXXX 2024 I contacted support they replied wanting info on the dispute i sent it and still have not received the documents. Since XXXX XXXX 2024 I have called and chatted with support a few times to get the same results. So now my account is negative. And I am out {$800.00}.
Product: Debt collection

I do not know this company and have asked them to provide any information, but they have not. 

LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX