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

Upon trying to buy a home my credit had to be ran and I was made aware that there were bankruptcy reporting on my public records, I disputed the bankruptcy and the address to later find out my identity had been stolen where someone had put a house a wireless service in my name. I then filed a Identity Theft Report with the ( Federal Trade Commission but because XXXX is given me such a hard time to remove this address and the inaccurate information from my public records. This is harming my credit and prohibiting me from buying my home by reporting inaccurate information. I also contacted the courts and they stated they do not provide information to Credit Bureaus or third party agencies. 
XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  2017,  I submitted an online VALIDATION dispute with  Chexsystem b eca use 3 b ank accounts were reporting that do not belong to me.  Two  of the accounts fell off because they did n't have proof of the accuracy of the reports, however one remained and is showing as " vertified ''. I sent a letter to  Chexsystem    XXXX  2017    asking them to furnish me with the undisputable proof bearing my signature that this debt is  VALIDATED  and to furnish me with how they verified the account. When I called  XXXX   2017  I was told they would mail me the proof however all I received was an updated report with the  XXXX  account still reporting. I have asked for proof twice now and they are unable to furnish it because of that and the fact the investigation is now 60 days late, the account need to be removed from my report.     My second is I have been disputing inquiries  XXXX   2017 . My initial dispute for VALIDATION was online and the results came back as " verified ''. When I called in    XXXX   XXXX     2017  to clear up that I asked for VALIDATION not verification and to inquire on what proof they had in accordance to FCRA reporting rules that the inquires were " verified '', I was told that I had to dispute them with each company. I reminded them that according to FCRA rules, it is the burden of the reporting agency to report accurate information and be able to prove such accuracy if asked and if they can not furnish such proof they are obligated by law to delete it and in return to my statement I was told again I needed to call the creditor. I then disputed the inquiries with the creditors and received the same " verified '' dispute status. I then initiated ANOTHER dispute  XXXX   XXXX ,  2017  in writing asking AGAIN for VALIDATION and Chexsystem returned with the same " verified '' notification but no one has proof as to me actually applying for these accounts.. It has now been  60plus days and 3 d isputes later and no one including the original creditor can show me proof I applied for these accounts nor credit issued for any of the questioned inquiries.  Chexsystem  is now in violation of FCRA rules and need to remove the inquiries or show me indisputable proof that approved these inquires or delete them. I HAVE ALSO RECEIVED CONFLICTING REPORTS FROM ALL  XXXX  BUREAUS, ONE MINUTE THE INQUIRIES WERE GONE AND THEN RETURNED. I have a paper report of them being gone but when I call they are there, then I received another report where they are there AGAIN. When I called, I was in contact with a agents who barely speak English and I was told it was a glitche in the system and they do n't know what is reporting correctly because of the glitche but the REFUSED to remove them nor can prove they were initiated by me. Please just remove all har d INQUIRES, it is  preventing me from obtaining a bank account when I have n't had any of these account nor initiated these inquiries and have sent a fraud alert along with a identity theft report.
Product: Money transfer, virtual currency, or money service

I called pay pal to see if my money was sent to my friend they told me yes but he never received it I uploaded to photos of transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite of the written appeals I sent, any kind of responses was taken for granted. Thus, their action have violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that is still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$230.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX XXXX Balance {$880.00} XXXX XXXX Opened Date Balance {$11000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened Balance {$55.00}
Product: Debt collection

XXXX XXXX XXXX bought a debt from XXXX for a cell phone plan that was terminated in XX/XX/XXXX. XXXX originally told me that I could cancel my phone plan ; I had one month left on a three year plan, and that I would not be charged an early termination fee. Instead, I was charged {$300.00} per phone line ( six lines ) for  the early termination. I disputed it. 

XXXX XXXX purchased it and reset the date opened account to XX/XX/XXXX and began to try to collect the debt from me. I disputed the account date. They told me that the debt starts from when they opened the account, not the original account.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding their failure to properly investigate and correct inaccurate information on my credit report. Despite my repeated disputes, Experian has either failed to conduct a reasonable investigation or has continued to report incorrect information, damaging my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint, and this is complaint due to the new evidence. On XX/XX/2022, I went to the courthouse asking do they report bankruptcies to the credit bureau, and I got a letter from them in XX/XX/2022 stating, '' They do not report any bankruptcies to anybody ''. So if that's the case. How did the credit Bureau verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; XXXX XXXX Bankruptcy XXXX on Experian Credit Report MUST BE REMOVED. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbor, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to:15 USC 1681 section 602 A. States I have the right to privacy. According to 15 USA 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USA 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 causes to believe that the information is inaccurate. this record must be deleted from my Experian Credit REPORT. Only Experian has reported this information on my credit history. 
I have included all supportive documents that I have mention above in my support.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX US DEPARTMENT OF EDU # XXXX has violated my rights. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion failed to comply with the Fair Credit Reporting Act,15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ALL IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or 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 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. 


Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  XXXX  # XXXX Account Name : XXXXXXXX # XXXX Account Name : XXXX # XXXX 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 XXXX 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 or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft, resulting in the unauthorized addition of several fraudulent accounts on my credit report. These accounts were opened without my knowledge or consent. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. I now request the immediate removal of these fraudulent accounts to ensure the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i just received my credit report and noticed strange occurrences that have been going on with my profile. Someone have been applying for things in my name that i am not responsible for
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the rights to privacy 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency connot furnish an account without my written instructions
Product: Checking or savings account

I applied for the HSBC Premier checking account and it was opened in XX/XX/XXXX. The offer was {$450.00} incentive after completing the prerequisites. I called HSBC on XX/XX/XXXX to understand why I had not received the bonus and learned the following 1. They failed to close a prior account in XXXX, have no record of it an in absent of my consent maintained an account 2. The system failed to automatically close the account after 5 years of inactivity departing from their own internally defined rules 3. They claim the link used to signup for the account was inaccurate despite my following instructions from their site directly, the offer still being currently available https : //www.us.hsbc.com/checking-accounts/campaigns/premier-checking/ # : ~ : text=after % 20account % 20opening.-, You % 20will % 20automatically % 20receive % 20the % 20 % 24450 % 20Welcome % 20Deposit % 20in % 20your, minimum % 20requirements % 20are % 20not % 20maintained. 

The remedy I desire for this breach of consent, deceptive practices of failing to pay an incentive after reasonable efforts to resolve with a customer service representative and first line manager including 1. " The system can't be overridden '', 2. Acknowledging the system rules weren't followed for automatic closure and was in error as shown by statements post XXXX being inactive 3. Talking over customer, attempts to get call disconnected through long hold times with no clear end, making customer ask 3 times to speak to manager prior to being connected 4. repeating guidance that conflicts with their own written public statements " if a customer ever had an account with HSBC ineligible for incentive '' vs correctly stating from XXXX. The deceptive practices are consistent the broader trend identified in allowing for criminals to use bank to transfer funds and refusing to be forthright and honest in dealings with customers https : XXXX
Product: Credit card or prepaid card

Got credit check notification that Bank of America tried to open a credit account in my name. I don't know how they're able to find and use my SSN but they actually did it. It was denied since my credit is already in shambles. Bank of America tried to open a account without my permission or knowledge. I reported it to BoA Fraud but never got any sort of response.
Product: Debt collection

The phone rings 2 to 3 times a day, using different numbers on the caller ID looking for XXXX XXXX. When my mother finally spoke to some one asking for XXXX XXXX, she said no XXXX XXXX lived here then they asked for XXXX XXXX, again my mom said there was no one by that name at this number. The called said OK, thank you and hung up. The next day we receive a call showing ANOTHER TOLL FREE number on the caller ID looking for XXXX or XXXX XXXX. THIS is in reference to Ally Bank. No one in my family does business of any kind with Ally Bank. So far I see 3 different phone numbers being used.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX Account name -XXXX XXXX XXXX XXXXXXXX Account name- XXXX XXXX XXXXXXXX account name-XXXX XXXX  # XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 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 make make any consumer report containing any of the following items of information any other adverse item of information, other than records of convenience of crimes which antedate 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: Checking or savings account

So I was a victim of fraud somebody access my account and use my information to use furniture activities and this account of Bank America was only to add my student loan or maybe other money that comes in from XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX - Used XXXX XXXX  for payment {$6600.00} XX/XX/XXXX, - XXXX  rescinded payment citing fraud on my account. I advised the bank that the {$6600.00} was legit and asked that this amount be paid to XXXX XXXX. XXXX advised that my account was frozen pending an investigation of {$56.00} charge from an overseas transaction so they were unable to process any transaction on my account at that time. 

XX/XX/XXXX - I proceeded to pay XXXX XXXX  the amount of {$6600.00} from my XXXX XXXX XXXX credit card in order to expedite the work they were contracted to do. 

XX/XX/XXXX - XXXX posted a charge of {$6600.00} as payment to XXXX XXXX  on my account.. I immediately contacted the vendor who did their investigation and advised that they never received an additional amount of {$6600.00}. 

After much back and forth with the vendor I reported this issue to the XXXX XXXX XXXX XXXX XXXX  provided XXXX  with their bank transactions for the period of XX/XX/XXXX through XX/XX/XXXX to prove that they did not receive this money. 
I have asked XXXX  in written communication MULTIPLE time s for their transaction records to show ( 1 ) initial payment {$6600.00} ( 2 ) recinding {$6600.00} ( 3 ) repayment {$6600.00} and I have not received this. Letter from XXXX XX/XX/XXXX stated " WE ARE UNABLE TO PROVIDE THE DOCUMENTATION PROVIDED TO US BY XXXX CONFIRMING THE {$6600.00} WAS RECEIVED SUCCESSFULLY BY XXXXXXXX XXXX  ON XX/XX/XXXX, HOWEVER WE WOULD SUGGEST THAT XXXXXXXX XXXX  WORK WITH XXXX  DIRECTLY TO CONFIRM RECEIPT OF THE FUNDS ''. 
**Please note that XXXX XXXX is not owned any money as i had paid with another credit card and they have threatened me with a lawsuit for harassment for the amount of times I had contacted them initially for a refund and they have sent proof that they did not received this money. 
**Comenity INCREASED MY INTEREST RATE TO 29 : AND SUBSEQUENTLY closed my account on XX/XX/XXXX citing a fraud claim. I NEVER REPORTED A FRAUD CLAIM AND THIS WAS INITIATED BY COMENITY.. 
Recently XXXX custormer service suggested I contact XXXX, XXXX directly to track this money down. XXXX advised that they do not provide this info to individuals and it is XXXX 's responsibility to do their due diligence in tracking this money down.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed by credit report from XXXX dated XX/XX/XXXX, and discovered once again an inaccurate and incomplete record reporting on my file as " XXXX XXXX XXXX XXXX XXXXXXXX '' Reference # XXXX. In my dispute according to complaint # XXXX, I requested that XXXX provide me the " SOURCE '' of the information for this disputed inaccurate and incomplete bankruptcy record. XXXX has refused to provide this information which is intentional and reckless. According to the FCRA XXXX is required to provide me the source of information in accordance with 15 US 1681g ( a ) ( 2 ) which states " Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer '' ( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed : Provided, That in the event an action is brought under this subchapter, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. '' In dispute and case # XXXX ( attached ) XXXX admitted to not contacted the courts for this information and stated that he relies on " Public Record Vendors '' which is what is reporting on my credit report ( attached ). If this has changed, XXXX needs to " CLEARLY '' state it's source. I have also attached a disclosure from Lexis Nexis who has stated that they provide XXXX with public record information. My Lexis Nexis disclosure report does not include a bankruptcy, this has been provided to XXXX on numerous occasions. Additionally, Lexis Nexis is not authorized to share my data with XXXX or any other source with the exemption of Law Enforcement per my suppression request. It is illegal Lexis Nexis to report information that has been disputed and unable to be verified as accurate. It is also a violation of privacy if Lexis Nexis is sharing my personal data without my consent. I am requesting XXXX provide me the source of information and how it verified the completeness and accuracy of this record. I DO NOT accept the investigations completed on XX/XX/XXXX, XXXX or XX/XX/XXXX as they DO NOT address my dispute and request. If XXXX can not do so within 30 days of this dispute, it must delete this record from my credit report.
Product: Vehicle loan or lease

WELLS FARGO AND XXXX XXXX LIE STEEL AND CHEET OVER 50.000 DOLLERS PAID TO THEM THEN THAY SUE XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX FOR NO RESEN AT ALL WE HAVE PROOF WE HAVE PAID THEM THAY REFUSE THE MONEY SENT MONEY BACK TO MY BANK THEN SUE US FOR NO RESEN AT ALL WE HAVE SPEEND OVER 20.000 IN ATURNS FEES THAY TRY TO PUT ME IN JAIL THAY LIE TO JUGES HEAR IN XXXX XXXX CA
Product: Credit reporting or other personal consumer reports

I have an incorrect address for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX