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

15 U.S. Code $ 1681c-2 and Section 605B, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. The accounts below are showing inaccurate information on my credit file report as the debts on each account is not mine : Account # XXXX Account # XXXX Account # XXXX My only address is XXXX XXXX XXXX XXXX # XXXX XXXX, KY XXXX since XX/XX/2000 until Present. No valid information of mine is associated with any additional addresses that may be reporting as mine. The company from Account # XXXX, Account # XXXX and # XXXX has failed to provide a valid wet signature or 1099 C form sent to me. The status of each account should be closed due to required deletion as the debt is not mine. These debts on my account are not mine. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer reports under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed IMMEDIATELY! INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed IMMEDIATELY! This process through CFPB has documentation proving that Experian, XXXX and XXXX have Identified me as XXXX XXXX XXXX also known as XXXX XXXX XXXX. Yet each company has recently failed to report accurate credit information. Each document specified each consumer agencys response consistently requesting identification after previously verifying my identity which caused monetary losses up to {$40000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, Transunion RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing to you with this formal objection to the information published and provided by you to the US DEPT OF EDXXXX, and XXXX XXXX  XXXX as reported, and I demand swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Charge-Off Credit Card and Student Loans that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less than a Charge-Off Credit Card that you did not have permissible purpose to share my personal information. I formally contest the reportability of the alleged Student Loans, and Charge-Off Credit Card. 
Immediately, DELETE ALL records of the following alleged Charge-Off, Student loans, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. 

1. US DEPT OF EDXXXX : Installment Loan, XXXX : Please DELETE from Credit Report 2. XXXX XXXX  Secured Credit Card Charge- Off : XXXX Please DELETE from Credit Report
Product: Checking or savings account

On XX/XX/ my checking account got hacked for {$2600.00}. This individual somehow added themselves to my XXXX account as a recipient and was able transfer this unauthorized transaction to there account. I immediately called Wells Fargo and started a claim. When I called my bank several days later to get an update they let me know the claim was closed and it had been denied. I went into my bank to actually speak to someone in person, they told me I needed to contact XXXX and they gave me that phone number. When I reached out to XXXX they told me there was nothing they could do for me. Then on XXXXXXXX XXXX XXXX I got a text from ( XXXX ) that the same individual was requesting {$1500.00}. This situation is very stressful and I would like it resolved and to get my {$2600.00} that was stolen from me.
Product: Money transfer, virtual currency, or money service

I have been notified via email with XXXX XXXX that there's a hard inquiry that will disappear in two years time frame. When I signed in and verified what this information is about. I have found Money Mart? in XXXX of 2021 was done somewhere in PA? I have never been wherever XXXX is? I'm in XXXX. XX/XX/2021 is during covid restrictions. I have not and never been to P.A
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit reports on XX/XX/XXXXand XX/XX/XXXXthat do not belong to me I have not approved nor inquired for these accounts. 

XXXX XXXX XX/XX/XXXX - Inquiry date : XX/XX/2021XX/XX/XXXXXXXX - Inquiry date : XX/XX/2021 XXXX XXXX - Inquiry date : XX/XX/2021 XXXXXX/XX/XXXX - Inquiry date : XX/XX/2021 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has repeatedly denied my countless attempts to open a dispute against XXXX XXXX XXXX inaccurate reporting of 14 accounts on my credit report. I believe that I am being subjected to XXXX policies by Experian. The accounts " dates of service '' are greater than seven years old and should be deleted. XXXX XXXX XXXX violated FDCPA and Texas Statute SB 1264. 1. After multiple request going back to XXXX, XXXX XXXX has refused to verify the debt. 2. XXXX XXXX did not advise me of my right to dispute the validity of the debt. 3. XXXX  and XXXX already found the reporting to be erroneous and from eight years ago. 4. This reporting is in violation of Senate Bill 1264 Texas, Texas XXXX XXXX who XXXX XXXX XXXX is collecting on behalf of received payment from XXXX Texas in XX/XX/XXXX - XX/XX/XXXX. They received payment from XX/XX/XXXX through Present XXXX for services rendered. Any other amounts were not disclosed to me. These are surprise bills. 5. I have NO Contract with XXXX XXXX XXXX. They are falsely reporting these 14 accounts as DEFAULTED Loans. These are fraudulent, falsified records. These are not Loans. Again Texas XXXX XXXX received Payment in full. The record are listed below. 1. TEXAS XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Loan Amount {$880.00} 2. TEXAS XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Loan Amount {$630.00} XXXX. TEXAS XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$940.00} 4. TEXAS XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$990.00} 5. TEXAS XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$710.00} 6. TEXAS XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$340.00} 7. TEXAS XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$950.00} 8. TEXAS XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$930.00} 9. TEXAS XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$370.00} 10. TEXAS XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$890.00} 11. TEXAS XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$830.00} 12. TEXAS XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$830.00} 13. TEXAS XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$730.00} 14. TEXAS XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$890.00}
Product: Credit reporting or other personal consumer reports

Reported to the credit bureau that collection agency is reporting inaccurate information on my credit report while I am actively disputing this entry with the collection agency XXXX XXXX XXXX for the amount of XXXX... I asked the credit agency to verify method of verification and proof that they have and they did not furnish that information which is a violation of my rights
Product: Credit card

I requested a credit line increase after my credit line was cut by {$10000.00}. I was instructed to upload VERY sensitive financial information to the American Express XXXX site. I uploaded those documents on XXXX XXXX. I called on XXXX XXXX and the representative told me the documents had been lost due to a " technical error '' and I was instructed to upload again. I was also instructed to call the company in XXXX hours to confirm the receipt of the documents. I re-uploaded the documents on XXXX XXXX and called back in on XXXX XXXX and American Express could still not confirm if any of the VERY sensitive information had been received. They refused to let me talk to anyone in the underwriting department to verify that my VERY sensitive information was with the right people.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When XXXX XXXX and XXXX  XXXX XXXX reported incorrect balances it took my credit score down 85 points. When the bureau updated they gave me 2 points. I would like ALL of my lost point restored. I am trying to purchase a home and dont have much credit anyway, so my credit it very important to me. XXXX reported a late payment after they gave me an extension due to COVID and I have the letter. I want it removed and the points taken for that restored as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts appearing on my credit report are fraudulent : XXXX XXXX XXXX XX/XX/XXXX {$1000.00}, CXXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$3600.00} I reached out to the XXXX, XXXX and XXXX  credit bureaus several times .The last correspondence was XX/XX/XXXX. I have received no valid response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update personal information on experian my name is XXXX XXXX XXXX My only address XXXX XXXX XXXX. XXXX, Ohio XXXX There maybe individuals that have thr same information as mine. Creditors may have entered my name, and address incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit report
Product: Debt collection

I was contacted by mail by Balanced Healthcare Receivables, XXXX NH In the letter says that XXXX XXXX placed it with them. 

Have asked them to valid the debt, and they have refused, furthermore I stated that I have settled with XXXX XXXX of XXXX XXXX all charges and made a lump payment covering all charges. 

I have met abusive and obnoxious people at Balanced Healthcare, whom they accuse me of committing criminal acts, and have violations of the Fair Debt Collection Practices Act. including attempting to collect debts not owed and illegal communication tactics. I followed with a email to XXXX and no one has responded.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 


Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

ACCOUNT : XXXX XXXX XXXX XXXX.
Product: Checking or savings account

My Account was closed down in XXXX XXXX XXXX  due to Chime just randomly closing it and no warning. I never received my funds ( a check ) that was suppose to be mailed to me. I have lived in the same home so not because I moved. I keep getting a run around oh we can't do this over the phone we will send a ticket and email you. Oh we can't discuss this with you in an email please call us. Back and forth. What really XXXX me off is that I get the run around on my money but ya 'll still report my account is open to all three Credit Report companies. Oh and on XXXX XXXX XXXX  I get an email saying mobile check deposits policy will be changing. Neither of those should be happening. But ya 'll don't have my money. I had money in my checking and savings account. Also on that stupid credit card of y'alls also. Let me guess because your a big company and I don't have the money to, ya 'll can just do this and no one will know.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair credit reporting act XXXX  accounts XXXX XXXX XXXX XXXX- # XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX Has violated my rights. Recently I reviewed my credit reports and found the above inaccurate late payments. Per FCRA 15USC 16811 All unverified and inaccurate information must be promptly DELETED. Please provide me all information your bureau used to verify these inaccurate late payments. Noncompliance with this request for deletion if you can not produce XXXX XXXX COMPLIANT EVIDENCE will force my legal to file with FTC, ATTORNEY GENERAL of Alabama along with any further legal action we deem necessary including but not limited to civil and punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with FORTIVA/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and FORTIVA/XXXX  with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into an agreement with this company to settle a debt that was charged off. I was told after I paid the settled amount, my balance would be {$0.00} and I would no longer owe the company. The company instead reported a different amount to the credit bureaus and now requesting the credit bureaus get customer authorization to discuss the account. When I call Amex I get transferred all around and never receive any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I canceled XXXX I had paid up to the to the last day and then returned all the equipment additionally I provided receipts showing that the equipment was received yet XXXX insists on taking for me an extra {$350.00} above and beyond the outrageous hordes of money we paid for them every single month. This is a billing error, and they do not do anything to satisfy this oversight. I have all of my receipts including the receipts for the returned equipment I paid in a timely manner and they are ruining my credit and causing me to get much higher interest rates and I refuse to pay them {$350.00} extra for something I never used. They feel they have a monopoly and they can do whatever they want with their clients it is they Husserl me {$350.00} for the amount of years that I had their service and the Internet never worked. But I did pay every month on time outrageously inflated charges which is a common practice for them when they have a customer for many years they keep raising the rate so I drop them and they invented the {$350.00} charge this should be illegal and I need your help thank you so much all the best XXXX XXXX
Product: Credit reporting

I went to the " XXXX '' web site and filled in the information. First, it took me to the Equifax site, where I selected the option of " saving your report as PDF '' option. I got a dark screen with an error message stating that the " PDF function not allowed '' and " for errors please report to null ''. When I returned to the web site they disallowed any viewing of my Equifax report, stating I had " already viewed '' it. 
This web site is coded to be confusing, misleading, deliberately taking the user to paid reporting functions of the various agencies and to prevent the user from actually accessing these reports. 
These financial data are mine. To deny me access to current data is wrong. 
I want my annual credit report AS REQUIRED BY LAW. Please stop the deceitful practices of the reporting agencies and create a REAL annual report site. Thanks.
Product: Debt collection

I resided in the complex for a total of XXXX years, during which my youngest son 's father lived with us for XXXX years and was listed on the lease. Throughout this time, I adhered to all the rules, paid my rent punctually, and successfully passed all inspections. Unfortunately, I was a victim of XXXX XXXX XXXX, both XXXX and XXXX within this relationship. It was only in XXXX of 2018 that I mustered the courage to ask him to leave, but by then, he had already caused significant damage to the apartment. This was not the first instance of him destroying our living space during that summer, but it was the most devastating, as he ruined the newly done floors and damaged the stove and fridge. 

When our lease was up for renewal in XX/XX/year>, he had already moved in with another woman in the apartment adjacent to mine. The office manager, XXXX, was aware of this situation, and to protect my housing voucher, she advised me to submit a XXXX notice and vacate the premises. I am unsure why my ex-partner was not held responsible for the damages, considering he was still on the lease at the time and XXXX was aware of his actions. As a result, I was forced to leave the home where I had raised my children for XXXX years, leaving behind countless memories tainted by XXXX  Meanwhile, he was able to move into another apartment without any consequences. The financial burden of the damages and the subsequent charges is something I can not afford, especially since he also caused damage to my new car, which I had purchased with my tax refund just months prior. This situation has left me in a state of ongoing suffering, and it has negatively impacted my credit, making it difficult for me to obtain any assistance or support.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting false outdated information on my credit report. They were reporting a student loan for nearly XXXX XXXX. They are reporting false outdated information given to them by XXXX XXXX XXXX services. XXXX XXXX XXXX services is using a court case document that is inactive and no longer in effect. I never signed any agreement with XXXX XXXX XXXX XXXX. I never made a payment schedule and I was never warned of late payments being reported to a credit reporting agency
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I apply a XXXX XXXX XXXXXXXX Credit Card. ( reference number : XXXX ) On XX/XX/2021, XXXX XXXX XXXXXXXX pulls my Experian credit report ( hard inquiries ) required to establish a credit decision. On XX/XX/2021, I received a letter from the credit card institution requesting more information to finalize the credit card application. On XX/XX/2021, I sent the requested information back with certified mail. 
( USPS : XXXX ). On XX/XX/2021, they received the documents : please see attached documents, but fail to process the application immediately ; however, I provide the documents in less than thirty days as requested in the letter. On XX/XX/2021, I received a credit bureau ( EXPERIAN ) alert related to XXXX XXXXXXXX XXXX Hard Inquiries related to the same application. I believe the second hard inquiry violating the Federal Law for the following reasons. The first inquiries an authorized on XX/XX/2021. The second inquiry, I do not allow for the same application. The bank internally makes second inquiries ; they received all the documents less than thirty-day ( See mail obtained time stamps and USPS evidence ) however fail to process the application as required by federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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