23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I currently have loans in forbearance with XXXX. Sometime last year I was served by the XXXX XXXX police department for a suet filed against me for the loans with XXXX XXXX Plaintiff Bar number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Roosen Varchetti & Olivier law firm, the law firm that represents them ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never been aware of having any loans with XXXX XXXX. During the trial they provided loans they ( XXXX XXXX XXXX XXXX XXXX XXXX ) alleged were purchased by XXXX XXXX  XXXX which they claim included loans that were made to me from XXXX XXXX  XXXX I am not able to verify this loan ( XXXX XXXX XXXX XXXX XXXX ). Although I have no knowledge of this loan, the judge ruled in favor of XXXX XXXX XXXX XXXX XXXX XXXX XXXX During the trial they had erroneous documents with redacted information that could not be verified by me. Now I am being sued again for two other loans, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in which I do not know the origin of these loans ( they are also being represented by Roosen Varchetti & Olivier law firm in XXXX XXXX XXXX in XXXX Georgia XXXX ) XXXX The Attorney is XXXX XXXX for XXXX XXXX XXXX XXXX XXXX, she works in the law firm Roosen Varchetti & Olivier law firm. I have seen where XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX was sued by the CFPB for fraudulent loan collection activity and I am confident this is the case with these loans they are claiming I owe.
Product: Credit reporting or other personal consumer reports

Hi, Im unable to dispute this account online. This account has maliciously caused my credit report to go from Good to fair just by me trying to dispute this. They keep refreshing this making my credit report bad OK and Im not going for this at all I will get a lawyer and we can handle this in court. My credit report just dropped XXXX points because they keep putting 120 days past due that is not true that is messing my credit up emblem XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding multiple fraudulent accounts on my credit report that are not mine, including accounts from XXXX ( Account # XXXX and related accounts ), XXXX ( Account # XXXX and # XXXX ), anXXXX XXXX XXXX XXXX  ( Account # XXXX ). These accounts show discrepancies in open dates and reporting details across credit bureaus, such as inconsistent dates ( e.g., XXXX  : XX/XX/2013 XXXXXXXX XXXX XXXX XXXXXXXX and Equifax ), erroneous late payment histories, and false collection or charge-off statuses. These accounts were reported without prior written notification, in violation of XXXX5 U.S. Code 1692g ( a ), which requires debt collectors to notify consumers within five days of reporting. The credit bureaus failed to ensure maximum accuracy in reporting, violating 15 U.S. Code 1681e ( b ). Despite my dispute, no validation of the debts was provided as mandated by 15 U.S. Code 1692g ( b ). Additionally, the fraudulent information has not been removed, which violates my rights under 15 U.S. Code 1681c-2 to block fraudulent accounts from my report. These actions also contravene 15 U.S. Code 1681s-2 ( b ), which requires data furnishers to verify and correct inaccurate information. I request an immediate investigation and the removal of all fraudulent accounts from my credit report, along with confirmation that they will not be re-reported. Failure to address this matter promptly has caused undue harm and damage to my creditworthiness.

these are the accounts and some of them are duplicates : 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 or other personal consumer reports

Experian has XXXX XXXX XXXX XXXXXXXX tx as a address on my credit report. I have never lived there and have demanded that it be removed from my report. I have asked experian how they verified it multiple times with no response. Please address this with them and get it removed.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX *********** XXXX  XXXX {$490.00} Account number XXXX Date opened XX/XX/XXXX XXXX  XXXX {$1100.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX {$450.00} Account number XXXX Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX {$1200.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX {$7100.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX {$6600.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX {$2800.00} Account number XXXX Date opened XX/XX/XXXX XXXX {$1200.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX  {$1200.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX  {$47000.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX {$9600.00} Account number XXXX Date opened XX/XX/XXXX XXXX *********** XXXX XXXX XXXX  {$0.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX  {$7100.00} Account number XXXX Date opened XX/XX/XXXX XXXX  {$1200.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX {$6600.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$9600.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX {$2700.00} Account number XXXX Date opened XX/XX/XXXX XXXX  XXXX {$1200.00} Account number XXXX Date opened XX/XX/XXXX Equifax *********** XXXX XXXX XXXX XXXX  {$9600.00} Account number XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$6600.00} Account number XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX {$7100.00} Account number XXXX XXXX Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX {$0.00} Account number XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX  {$1200.00} Account XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX {$1200.00} Account number XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$47000.00} Account number XXXX XXXX Date opened XX/XX/XXXX
Product: Checking or savings account

I opened a checking account on XXXX XXXX, 2022 with Citi Bank. I had a previous account with them and they transferred the funds from the old account to this new one ( account number XXXX ). I withdrew funds from the account by debit card on XXXX, XXXX, XXXX and XXXX with no problem. Today ( XXXX ) I went to the ATM and found out the account has been de-activated. I called them today and they say they are investigating fraud and the funds will be given to me after 30 to 60 days. They have locked any debits or credits to the account. When I called them today, they hung up on me. 
I need my money and don't think they should be able to hold my money. If they want to close the account, they should close it and give me the money in it immediately. 
I need your help to get my money. 
Please help me. This account has had no suspicious activity. The previous account I had with them did have some questionable foreign activity and they use that as reason for locking this new account. 
Please, please help me get my money. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX New Citi account number XXXX Citi routing number XXXX my telephone number XXXX XXXX my email account : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on 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 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 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 or other personal consumer reports

My account withthose creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I've been a victim of identity theft and sent several documentary about Wells Fargo Bank all different States .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. AND THEN SENT by XXXX XXXX XXXX XXXX stating that the account ending in XXXX was not opened by me or had any knowledge of the account.They closed account for my protection but no Compensation. Wells Fargo Bank and XXXX FRAUDULENT ACTIVITY IN MY NAME AND WIRE TRANSFER.
Product: Credit reporting, credit repair services, or other personal consumer reports

hippa and ftc violations they have been sent police reports and ftc will not fix them XXXX and XXXX  XXXX XXXX XXXX XX/XX/2020 Source XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Activity XXXX XXXX XXXX ( Collections ) Balance Date XX/XX/2020 Balance {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Source XXXX  Date Submitted XX/XX/2020 Estimated Resolution Date XX/XX/2020 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2020 Source XXXX  Company XXXX XXXX XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX, GA XXXX Activity UNPAID ( D ) Balance {$1600.00}
Product: Payday loan, title loan, or personal loan

I tried to contact the company through the website and keep getting 403 forbidden message. I tried to call and couldnt connect to a live person. I was just trying to contact them for an extension in repayment and now Im concerned that I wont be able to repay early and I will be responsible for all the interest, which is A LOT!
Product: Credit reporting

I asked TransUnion for validation of XXXX items on XXXX/XXXX/2015 : XXXX XXXX XXXX account # XXXX & XXXX account # XXXXThey could not provide verification of the validity of these debts. XXXX XXXX XXXX was equally unable to provide proof of my owning this debt. I followed up with XXXX asking for removal of the incorrect tradelines. I provided copies of all correspondence and proof of receipts. Other credit reporting agencies have removed the offending items and I would like XXXX to follow suite .
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has sited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about customer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Debt collection

Lockhart morris and montgo illegally added a debt to my credit report because I never worked for XXXX XXXX XXXX and they sent no proof of ownership to this debt and I did not obtain a XXXX from XXXX, I have obtained my XXXX from XXXX XXXX, this is a scam and I will attached my certificate from that school
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I the consumer checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry was made : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX NJ XXXX Inaccurate information reported XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Inaccurate information reported XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Inaccurate information reported XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inaccurate information reported I the consumer contacted XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX  and XXXX XXXX Card who were the ones who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I the consumer also asked them to stop their illegal activities according to 15 USC 1681b 604 ( 2 ) immediately, but there has been no change and no response from their office. Since I the consumer sent these letters more than 30 business days ago, they have not responded and they failed to honor my request. The inaccurate information being illegally reported has unfortunately caused me harm. 

I the consumer wasnt able to obtain credit, housing, or employment and my ability to obtain insurance because of this inaccurate and unverifiable information is being reported on my consumer report. I the consumer did not apply for this and had the ( credit bureau ) been in compliance with the FCRA 604 15 USC section 1681b and 15 USC 1681A ( 1 ) as well as 15 USC 1681A ( 4 ) of the FCRA fairness, respect for consumer rights, impartiality and my right to privacy as the consumer would not have been violated. The banking system, being dependent on accurate credit reporting which is an essential part of the bank 's function as well as the publics confidence would not have been violated. It is your duty as a consumer reporting agency to report accurate information which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevance, and proper utilization of such information in accordance with the requirements of the FCRA 15USC 1681B. 

I the consumer would appreciate your help in resolving this matter and removing this inaccurate information within 15 days required by the law. Please never ever report this inaccurate information on my report ever again. 


Thank you for your help and assistance. 

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

I am appalled by the ability of the Credit Reporting Agencies to comply to a simple requests in accordance with the Fair Credit reporting act section 605b. The Credit Reporting Agencies have been ignoring my requests sent via dispute letters and CFPB Complaints to immediately remove the disputed accounts and information completely from my Credit File. I have read that the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft in accordance with the Fair Credit Reporting Act section 605b. I believe I am a victim of identity theft and that the accounts and information I have been disputing resulted due to identity theft. I have sent a dispute letter addressed to the Credit Reporting Agencies last XX/XX/2022, with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. However, no matter how I try to dispute my Credit Report, the Credit Bureaus have been constantly paying no attention to my disputes and requests. I am submitting this CFPB complaint to request to the Credit Bureaus once more, to remove the following items completely 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I checked my credit file for all three-credit bureau, and I notice this debt or collection account does not belong to me. This company is listed in collections and I have no knowledge of this debt.
Product: Credit reporting

I requested twice that this debt record be removed from my credit report on Equifax as it is 13 years old. The debt was originally from XXXX XXXX and now listed as XXXX. XXXX XXXX has removed the debt from my credit report. Equifax has not and keeps returning a response that the debt belongs to me and does not address the age of the listing on my credit report. I have spoken to Equifax by phone and made a written request. 
XXXX has never contacted me or sent a statement. The amount of debt listed is incorrect. Please assist me in getting this debt removed from my credit report.
Product: Debt collection

I have a collection from National Credit Systems reporting on my XXXX and XXXX credit report. I have disputed this account on several occasions on the grounds that I have no knowledge of the debt and request a full debt validation on this account. I have requested over XXXX debt validations on this account in the last 8 months with no debt validation being received. This is XXXX separate violations through the FDCPA. The first violation being that they are continuing to report negative information on my credit report that is inaccurate and XXXX they are well over their 30 days allowed to send requested proof to myself as a consumer.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I never applied for a XXXX  store card. I only checked to see what my preapproval credit line would be. I never made an account, and I never placed an order. I also never received a credit card agreement which is my proof that I never signed up or authorized XXXX to open a credit account in my name. This opening has caused a severe dip in my credit score and I did not authorize this account to be opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past few months, I have tried to submit a dispute online on Equifax 's website, but to no avail. Whenever I try to start a dispute, the message states " temporarily unable to process your request ". Even after calling Equifax several times and speaking to different representatives, they all say the same thing each time : there is a system update. 
Please look into this.