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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXX several times regarding the student loans on my credit report. I filed bankruptcy in 2017 and all my student loans was granted discharge but XXXX  still show them on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just wanted to file this complaint since my wife did the same earlier today. A few months ago we submitted disputes to the three credit bureaus and we received nothing from them regarding our disputes. We did it on XX/XX/XXXX. We just want the stuff that isn't reporting correctly removed from the credit report. Our credit is very important right now and we can't have it reporting bad things that aren't true. We also can't have the credit bureaus take their sweet time in investigating or possibly ignoring us outright.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these items they are not mine and I need them removed now. I have excellent credit but this company is reporting false information on my credit and won't remove it. The companies that I am requesting to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I NEED THESE ACCOUNTS REMOVED IMMEDIATELY. These are not my accounts.
Product: Credit reporting or other personal consumer reports

I have sent numerous letters to the credit bureaus and also the original creditor. Neither have been able to provide the information requested on this account. I've also spoken with reps stating there's not even any activity on the account nor has there been any activity so I am curious to know why is there a charge. There's no type of device even on the account and this was stated on the call that took place with an XXXX XXXX XXXX name XXXX on a recorded line on XX/XX/year> around XXXX stating there's no information on this account and it would be thoroughly investigated. Here it is almost a year later and I have no heard anything back from them. I'm almost to the point of getting my lawyers involved because the credit bureaus are not really investigating these matters and not providing the accurate documentation that is requested from them. This is damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraud claim against a XXXX XXXX. Their office burnt down and one of the owners stole all the insurance money in which I never received the dental procedure- dentures, and they made a FALSE CLAIM for a collection of @ XXXX - I NEVER RECIEVED THESE SERVICES. Not only that, she also didnt distribute any of the insurance proceeds to any employees and fired them! The false claim was reported to the credit bureaus by XXXX XXXX XXXX, XXXX. Now located at- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXt collection refuses to provide any records of any services THAT WERE NOT RENDERED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I have noticed some addresses that do not belong to me. 
I've never resided at these addresses provided below. This will be my second time attempting to have these addresses removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA - accounts can only report for seven years and I have two accounts that are beyond the seven year reporting period. XXXX has removed these accounts ; however, Experian and XXXX have not removed the accounts as I requested in a written dispute over 30 days ago. The two accounts are the following : XXXX XXXX- past the seven year reporting period based on the date of first delinquency for a charged off account. 

XXXX  - past the seven year reporting period based on the date of first delinquency for a charged off account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries and addresses are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these items from my credit file. 
XXXX XXXX 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

Received notice today via XXXX XXXX that XXXX XXXX XXXX are showing on my credit report and shouldnt be. I do not recognize this account and dont have this account and is affecting my credit report. Per fair credit reporting agency, please remove inacc, invalid, or unverifiable information from my credit report.
Product: Debt collection

I have contacted SEQUIUM ASSET SOLUTION once a week to try and resolve this debt and they will not call me back and I have received no written notification about the debt, but when I dispute the debt with my credit bureaus they reply to them to confirm the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off home improvement loan in XX/XX/2019 and credit report is showing late in XX/XX/2019 and failed to pay in XX/XX/2019. I contacted Service Finance and was notified since loan is paid off there is not they can do. I disputed claim with no resolution. I have attached letter for Service Finance stating loan was paid in full in XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please correct the unverifiable items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Like many, I applied to consolidate my student loans and change to the SAVE plan when it was announced by the XXXX administration. I initially did this in XX/XX/XXXX. By the time the SAVE plan had been put on hold in the courts however, MOHELA had still not processed the change. Because of that, I had to repeatedly contact them about being placed in forbearance, as it would only last a month or so until my payments would be slated to resume. In Fall XXXX, however, I was finally placed on the administrative forbearance intended for borrowers in a similar situation as myself. In XXXX, however, I received a notice through email that my payments would be resuming. I again contacted MOHELA through their secure messaging system, at which time I was assured that " another forbearance will be applied to your account and would begin on XX/XX/XXXX. '' On XX/XX/XXXX, I received an email from MOHELA stating that my loans were placed in a forbearance, and on XX/XX/XXXX I received an email stating that I'd missed a payment for my loans. That same day I submitted another message through their system asking to confirm that my loans would be appropriately placed into forbearance and that the missed payment would be stricken from my record, after which I received a response that a request was submitted to have a forbearance applied to all loans on my account. I received no further correspondence from them until I made a similar request on XX/XX/XXXX, and at some point following that they only responded that my account was delinquent and that " calls and/or letters will continue until the account is current. '' I appears that they are willfully ignoring my requests and also intending to continue to mark payments as missed on an account that should, according to them, be in forbearance.
Product: Money transfer, virtual currency, or money service

Date of deposit XX/XX/XXXX/24 at XXXX am, they changed the time to XXXXam @ XXXXAM XX/XX/XXXX & XXXX XX/XX/XXXX were days i was trying to contact due to withdrawing money to my bank account and it not being sent to my account. 
I showed them a bank statement proving it wasnt there, i was then told they can further investigate or are investigating and i have not got response. I was given a number XXXX number to call which was not going through, it was also suspicious that the time of transfer was changed to different time. 

XXXXXXXX XXXX,2024, XXXX XXXX,2024, XXXX XXXX2024 and XXXXXXXX XXXX,2024 were days i was not financially stable and was having close friends/family send me $ and their payment kept declining not allowing me to accept i tried multiple times to reach and problem wasn't solved.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent credit multiple letter to verify that this account was owed by me and they never responded.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Credit Karma was showing XXXX XXXX XXXX instead of XXXX XXXX XXXX. 
My XXXX XXXX  showed XXXX XXXX XXXX without XXXX of the marriage being resolved. The XXXX and XXXX agency have fixed the error but the credit agencies have not. 

Evidence ss #, re marriage without motion of default and signed from both parties, XXXX XXXX XXXX XXXX XXXX XXXX stating my legal name to my husband by law
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX opened XX/XX/2016 and was charged a total is $XXXX for car insurance I didn’t applied for, but I did asked for a quote. I didn’t sign any paperwork to authorize them to charge me. I’ve called them and tried to get them to remove it, and they stated it was in collections and out of their hands.
Product: Checking or savings account

To Whom it may concern, I was the victim of identity theft and the Me-To-Me Scam. I had someone call me with the caller ID Chase Bank, they said they were a representative of the bank, and that someone was trying to make fraudulent charges, he gave me his name and badge #. They told me to send money to an gmail address that I thought was sending it to myself thru XXXX. I realized the next day this was not a bank Rep and I had been scammed to send {$500.00}.

I called the fraud department they said they couldnt do anything and directed me to XXXX, and said they couldnt do anything. Btw this was just 2 wks before XXXX. As I dug deeper I found out they had hacked into my XXXX account and set up a new account under my name, a bank account and I had to contact XXXX to please shut down the fraudulent account and my account because I was no longer receiving emails. They had also hacked into my yahoo account. Had to create a new account as I was getting XXXX XXXX/connected with Chase that they were trying to take more money. I went to the Branch they said they could do nothing but again tried to call the fraud department and they said they couldnt get the money back from the Bank that was set up because it was frozen. We tried XXXX again and thats what they told us. I found an article in the New York XXXX about this Scam and that the CEO of JP Morgan Chase made a statement that Chase would refund the money to the Chase Customers who were victims of the Me-To-Me Scam, however, the branch assistant manager escalated it to the claims department with the article and they called me and declined it again. I have had to contact all my creditors, change my emails, filed an identity theft on the government website, set up a new account and changed my direct deposits of my pay check. I am still battling this and I just feel like Chase made a false statement to the public and their customers who have been a victim of the ME-To-ME scam in the XXXX XXXX XXXXXXXX. I showed all kinds of proof of fraudulent email account, credit journey emails, even that the email is no longer registered with XXXX, and really just frustrated and upset I cant recover my {$500.00} which I thought Chase was protecting my money. I am considering withdrawing my money from the bank however this scam has hit every major bank. No one is listening or doing anything to help me to recover my {$500.00}.
Product: Credit card or prepaid card

Today, XX/XX/2020, I received a USbank reliacard. I am not a USbank customer. I have not applied for unemployment. This looks like fraud. I have tried reporting to USbank by phone. ( At XXXX XXXX  mst, I spoke with a USbank employee, XXXX. She was unable to help & transferred me to an unanswered phone. I then called the USbank fraud line and at XXXX spoke to XXXX, who was also unable to help. 
I can not account for receiving this card & can not get any answers from XXXX. I am XXXX  & have NOT applied for unemployment. Please help me resolve this.
Product: Credit card or prepaid card

* XXXX Received an email notification from our credit monitoring company, XXXX, that a dormant Union Bank credit card has recent activities on it. Called the bank on same day and found out XXXX fraudulent transactions for amount of {$980.00} were placed in XXXX. The representative said he will report to Fraud department and it should be taken care of within 30 days. 
* Received a letter on XX/XX/2022 that they are looking into this matter and will contact us if additional info is required. Also the original card was closed and a new card was issued, but the balance of fraud transactions along with added fees and interests ( {$37.00} ) were placed on the new card. 
* Received a collection letter on XXXX XXXXXXXX XXXX asking to pay a minimum payment of {$40.00} for the balance of {$1000.00}. Realizing that a phone call may not suffice, submitted an official certified dispute letter dated XXXX XXXXXXXX XXXX disputing the fraudulent charges and mailed to the address outlined in the back of the statement. 
* Received another collection letter dated XX/XX/XXXX and XX/XX/XXXX. Called Collection department several times stating that the fraud charges are under the investigation, however, the representatives informed us that their department does not communicate with other departments and referred us back to their customer service or fraud department. Between XX/XX/XXXX and XX/XX/XXXX, left several messages to a XXXX at the fraud department with no avail. We were also given the run around when we contacted the customer service department. 
* On XX/XX/2022 our credit score dropped XXXX points to XXXX due to late payment/past dues for this credit card. 
* Wrote a XXXX official letter dated XX/XX/XXXX, requesting a quick resolution to this matter and to contact the credit agency to repair the damage. 
* On XX/XX/2022, we received a letter from fraud management services stating the credit was given for all the unauthorized charges. 
* Called the Customer service department on XXXX wanting to close the account, they informed us that the account has a balance of {$57.00} plus amount for all the fees and interest charges accumulated from the unauthorized charges. The representative said he will put a request to see if they can waive these charges, but we have to wait until XX/XX/XXXX to verify its approval.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXXXXXX
Product: Debt collection

The original debt went into collections over 8 years ago. Keeps being sold and the original date keeps changing.
Product: Credit reporting or other personal consumer reports

I strongly urge you to address this error and clear me of any responsibility promptly. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Product: Debt collection

In XXXX Midland Funding Filed a lawsuit against in XXXX. As of XXXX XXXX I no longer lived in the state and reside in XXXX. I learned of the lawsuit when my wages started getting garnished. Since I am XXXX I immediately contacted Midland whom would not stop the garnishment unless I paid more than half of the balance and continue to pay the rest of the balance in 26 monthly installments. The account is now paid but the damage to my credit file remains showing I have a paid collection and a judgement. I was never allowed the opportunity to dispute this debt, which I do not believe was mine. I have written several letters to Midland and they refuse to discuss this issue of the illegal suit or the removal of the negative information.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX didn't have access to use my social security number in selling securities on my behalf. I have attached their XXXX SEC filings to this complaint that shows proof of claim. This is called Securities Fraud and gross negligence that severely damaged my credit file and credit score.
Product: Credit card or prepaid card

On XX/XX/XXXX, I initiated a return with XXXX for an article of clothing. The item was delivered according to the tracking information. I talked to XXXX over 10 times and they did not give me my refund. I then initiated a dispute with Discover. It has been over 3 months since and they are uncooperative and extremely slow. I talked to many of their agents and none of them were able to help me. In fact they were rude, did not listen to what I had to say, and could not provide me solutions and give me confidence in their service. I just want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was incarcerated from XX/XX/XXXX to XX/XX/XXXX and during that time XXXX fraudulent loans were opened in my name from XXXX XXXX XXXX XXXX. XXXX account was a personal loan Acct # XXXX opened XX/XX/XXXX and the other is an auto loan acct # XXXX opened XX/XX/XXXX. I have contacted XXXX XXXX XXXX XXXX to dispute these fraudulent accounts. I have also disputed these fraudulent accounts with XXXX XXXX, and Experian but have yet to receive a reason why they have not been removed from my credit file. I have also sent them a police report and identity theft affidavit. This has gone on far too long. Please help to remove these fraudulent accounts from XXXX XXXX and Experian.