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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific records in my credit file that do not belong to me, or that I havesigned any agreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1100.00}, XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX Reference # : XXXX Filed/Reported : XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received verification of the inaccurate items.. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states failure to investigate items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, submitted a letter, XXXX XXXX XXXX Bankruptcy XXXX, regarding an entry appearing on my Experian Credit Reporting Account. 

XX/XX/2022, received a letter from XXXX XXXX XXXX Bankruptcy XXXX, confirming that the XXXX Bankruptcy XXXX doew not report case information to the credit reporting agencies XX/XX/2022, submitted a follow-up letter to the Experian Credit Reporting Agency , in which Experian reported as being verified with the bankruptcy court, which prompted me to contact the Bankruptcy Court ,
Product: Credit reporting, credit repair services, or other personal consumer reports

6 months back I was added as an authorized user on my father 's Care Credit account. A few months back my father requested that Care Credit remove me as an authorized user. They told my father they removed it. a month and a half went by and the account still reporting on all 3 credit bureaus. 
My father called Care credit 2 more separate times repeating the same steps. It has been well over 6 months and they are still reporting this on my credit report. This is affecting all of my 3 my credit scores, and I am trying to purchase a home. Please have Care credit remove this account from all 3 bureaus.
Product: Credit card

Capital One QuickSilver card refuses to honor a chargeback where services weren't rendered. We booked a hotel that advertised a city-view ( and showed the pictures of an outlook facing a city from a high floor ) and were given a second-floor view that faced garbage cans, a tree, and an alley. The hotel, XXXX XXXX, in XXXX, XXXX, confirms this. 

I contacted QuickSilver, which asked for more information. When I provided it, they reply within minutes, notifying me of a rejected dispute. It's clear that they are not even viewing the info., merely siding with the merchant. I have provided everything they have asked for. The only receipt I have from the company is the receipt sent to me by booking.com. The hotel issued a small piece of paper written in XXXX as a receipt. I submitted this as well, and they are not acknowledging any of this. I am disputing the XXXX dollars and I would like my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft and several addresses, accounts and inquiries have been fraudulently added to my credit file. here are several addresses that are a result of identity theft and need to be blocked on my credit file XXXX XXXX XXXX # XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX and the Inquiries XXXX XX/XX/2018 XXXX Card XXXX, XXXX Card XX/XX/2018, XXXX  Card XX/XX/2018 XXXX XX/XX/2018, XXXX XXXX XXXX XXXX  XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX   XX/XX/2018, XXXX XXXX XX/XX/2018, XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018 all of these have been listed on id theft affidavit from the FTC and a police report where it happened. these are not mine I have sent letters regarding this issue with no luck I am sending this here to make sure this matter gets the attention it needs and all of these items are blocked permanently as fraud from my file.
Product: Credit reporting or other personal consumer reports

I am submitting this second-round dispute regarding six ( 6 ) late payments reported by XXXX XXXX XXXXXXXX that remain unverified on my credit report, despite my initial dispute on XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S. Code 1681i ), creditors are required to verify the accuracy of information within 30 days. As of today, no such verification has been provided, making the continued reporting of these late payments a violation of the FCRA. 

I request the immediate removal of these unverified late payments from my credit report under FCRA 611 ( a ) ( 5 ), which mandates that unverifiable information be deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent an update of information letter to all 3 credit reporting bureaus on XX/XX/year> to remove inaccurate information and still at this time all 3 are reporting false information on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX ( NOT MINE ) XXXX XXXX XXXXXXXX ( NOT MINE ) XXXX XXXX XXXX ( NOT MINE ) XXXX XXXX ( NOT MINE ) XXXX XXXXXXXX ( NOT MINE )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am a XXXX veteran. A servant of this country. In trying to maintain the safety of this country and her people, someone has fraudulently stolen my confidential information thus taking advantage of me. The following accounts which are not mine, the address listed herein someone put on my credit file and certain employers I did not work. I am requesting all fraudulent information listed here to be removed and restore by the authenticity of my credit health and preservation.
Product: Checking or savings account

I have had an unsecured long of {$500.00} to be used if I am overdrawn. I have had this account for at least XXXX years. About XXXX years back I received a message from Wells Fargo that I would no longer have that overdraft protection. Then the bank reinstated the unsecured loan and charged me {$25.00}. I made an appointment with a banker. He gave me a number he said would reach a department for overdraft protection. I called the number and after a great deal of difficulty I reached an agent. She said the line of credit had not actually been terminated. I asked for my {$25.00} back and she said if I received the {$25.00} I would never be eligible for an unsecured line of credit with Wells Fargo.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Mortgage

I submitted an application with United Wholesale Mortgage for a loan assumption resulting from a divorce in XXXX. They received it XX/XX/XXXX. Their paperwork said the process should take 45 days. After almost two months of hearing nothing, I began calling. I also emailed the assumptions department, and never heard a response. Their loan assumption department is not directly reachable by phone, even by their customer service representatives. I was told I would receive a call back from the assumptions department with two or so business days around 6 times. I never did. In XXXX, I finally received a packet from the department, requesting more documents, signing of new disclosures, checking a box or two I had missed on the initial application. Many of the documents, such as w-2s, were repeats from XXXX but they had expired due to how long it had taken. I sent that back on XX/XX/XXXX. Again, I have heard nothing. Again, I have called countless times. After many such calls, a manager emailed the assumptions department and got a response on XX/XX/XXXX saying they needed some original documents I had not sent in. This doesn't make sense given the documents requested. They had no more specific information and said the assumptions department would call me in order to tell me what needed to be provided. I have not received any communication. I have a low interest rate so assume that they would prefer not to push this forward. I have a divorce decree that I will soon be in violation of because this process has taken significantly longer than the company said it would.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify it it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report.
Product: Debt collection

I am XXXX XXXX, I am submitting this complaint for myself. No third party is involved. Unknown account appears suspicious. Portfolio Recovery stole my identity. I never gave Portfolio Recovery permission to have my personal information which constitutes identity theft. This alleged account is deceptive and suspicious. No response has been provided. It has been over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting XXXX credit incorrectly. I have tried several times to correct the issue. XXXX of 2019 was not late but it is being listed as 30 days late XX/XX/2019 is showing 60 days late when it was in fact not 60 days XXXX 2019 is also incorrect. It is showing 90 days late and it is incorrect. Please permanently remove negative pay status because it is incorrext.i have submitted this on numerous occasions and it has not been resolved. Please provide payment evidence from 2019 supporting this information that helped you in making this decision.
Product: Debt collection

I did not consent, nor benefit from, nor authorize the following account : CREDIT COLLECTION SERVICES- {$340.00}
Product: Credit card or prepaid card

On XX/XX/21 I contacted Cardmember Services to close my secured credit card account. I was told I would have a check. in 7-10 days. On XX/XX/21 I received a letter from them stating they will not close the account until XX/XX/21. I contacted them today and said it is policy to wait 30-60 days until they process the request. So now I have an account I can not use and {$310.00} tied up for these 30-60 days. It seems unjust that they take money immediately and assess fees and fines immediately but sit on refunds and return of funds for this length of time. 

The card was issued through XXXX XXXX  but they disavow any association with the card who is handled by Cardmember Service out of XXXX, ND. They direct all correspondence to Elan Credit Department, XXXXXXXX XXXX XXXXXXXX, XXXX, ND - XXXX with a phone number XXXX.
Product: Debt collection

The Company has been repeating calling me in the morning and at night. They had called me on XX/XX/2023, They called again XX/XX/2023 and so on. The action I took was inform them that they need to stop calling me when im working and or not working. I also informed them that I have a debt collector company that is handling my debt on my behalf.
Product: Money transfer, virtual currency, or money service

The incident first occurred on XX/XX/2021, I was manipulated, " scammed '' if you will into investing into the companies stated below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not know these were not real or regulated companies the scammer approached me online and pressured me to invest in them. I lost XXXX USD. The funds were transferred from crypto.com into the scam companies. Most of the money went to coinbase and then to coinbase wallet to other fake investments or fraudsters. Crypto.com customer care is not responding. Being a financial institute, they should have more tools and equipment to track the money movement and resolve my case positively. But they are blaming me as I agreed to the user agreement, I had to take care of the risks. But at the time of doing the transaction I do not know these are fraudulent transactions and crypto.com ought to know, if not then, now it should be capable of retrieving the money back.
Product: Credit reporting or other personal consumer reports

I filed multiple disputes on XXXX on XX/XX/year> starting with Penn Credit Corp for {$1200.00}, DPT ED for {$4700.00}, DPT ED for {$3800.00}, and DPT ED for {$2300.00} all in which my personal and financial data was compromised violating FERPA. I have a requested full cancellation. XXXX  denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company of accepting unreliable information and failure to notify consumer dispute results. This aligns well with my situation. XXXX  has not attempted to remove nor correct any information. I'm requesting this derogatory remark to be removed immediately as it is affecting my chances of applying for a house. XXXX  violates my rights as a comsumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent certified mail to Experian disputing a foreclosure record that was reported as having occurred in XX/XX/XXXX. I requested them to report correctly as the foreclosure was in XX/XX/XXXX. On XX/XX/XXXX I received the results of my dispute stating that after investigations the item remained as is. On XX/XX/XXXX I refiled an electronic dispute with Experian and included a copy of the Final Judgement of the foreclosure. On XX/XX/XXXX I received the results stating that the company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute XXXX dont think Experian is doing its duty in investigating this dispute. Prior to XXXX, the foreclosure was accurately reported on the exact month and year it happened. For reasons best known to Experian, they changed the date of the foreclosure from XX/XX/XXXX to XX/XX/XXXX. This inaccurate reporting hurts people trying to do the right thing and creates doubts about the credit reporting system.
Product: Credit card or prepaid card

I applied and received a XXXX XXXX American Express card. Their brochure specifically states that if I purchase a flight on XXXX using this American Express card, I would receive my first bag checked in free. On XX/XX/2019 I flew from XXXX XXXX to XXXX XXXX on XXXX and since I used my Amex card, I got my bag checked in for no additional charge. Now on my return flight, they insisted on charging me for my bag ( I carried it instead ). The main reason to get the XXXX Amex card was for this service.
Product: Credit reporting or other personal consumer reports

Re : INACCURATE REPORTING Im writing you regarding to multiple discrepancies and inaccuracies on the accounts listed below that I have noticed on my credit report. Equifax Account Name - XXXX XXXX XXXX  ( CLOSED ) - XXXX XXXXXXXX, Experian Account Name - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX Account Name - XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Deleted from my credit file on XX/XX/XXXX ). Equifax and Experian is reporting that the account is PAID while XXXX has deleted the account from my credit profile on XX/XX/XXXX. Equifax and Experian is reporting that the account was opened on XX/XX/XXXX while XXXX has deleted the account from my credit profile on XX/XX/XXXX. Equifax is reporting a high credit balance of {$7000.00} while XXXX has deleted the account from my credit profile and Experian are reporting {$8800.00}. Equifax is reporting the status of the account as current while Experian is reporting the status as late 180 DAYS and XXXX has deleted the account from my profile on XX/XX/XXXX. Equifax is reporting a last report date of XX/XX/XXXX, Experian is reporting a last date report of XX/XX/XXXX, and XXXX has deleted the account from my profile on XX/XX/XXXX. This account is being reported with different date of activity date and continuously being updated amongst each credit bureaus and is not properly verified or consistent. Equifax is reporting last date of activity as XX/XX/XXXX, Experian is reporting the last date of activity as XX/XX/XXXX and XXXX has deleted the account from my profile on XX/XX/XXXX. You are negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section 611 ( 5 ) ( A ), you are required to DELETE all information that is inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. Please send me an updated credit report within 30 days of this letter.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

-15 USC 1681 section 602 A. States I have the right to privacy and the right for inaccurate information to be removed from my Credit Profile.

-15 USC 1681 Section 604 A section 2 it also states a consumer reporting agency can not Furnish an account without my written instructions - 15 ISC 1681 C ( A ) ( 5 ) Section states no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then 7 years.

- 15 USC 1681 S2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNTS ( XXXX XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Digital Account # XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX  ) ( US Bankruptcy XXXX  XXXX Ref # XXXX ) ( US BANKRUPTCY XXXX  XXXX Ref # XXXX )
Product: Credit reporting or other personal consumer reports

UPON REVIEWING MY CONSUMER REPORT, I HAVE DISCOVERED INACCURACIES AND DISCREPANCIES IN THE REPORTED ACCOUNTS IN MYA COSUMER REPORT. 

XXXX 1. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


EXPERIAN : 1. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

XXXX : 1. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers 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 if no documentary evidence is found in accordance with FCRA, 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.
Product: Credit card

I have had a credit card from Macy 's department store for years and have handled my account online since they offered paperless statements. A few months ago they made changes to the website and I have not been able to log on to see my statements, make payments or do anything with my account. I have called every month to address the issue and make my payment and every month they assure me that next month there will be no problems but I continue to be unable to get into my account. I called this month to simply pay off & close the account because it is to frustrating dealing with not even being able to check my balance or due date or anything. They assessed a late fee and refused to remove it even after I explained that I have not been able to log on to my account at all in months. I would think that having a customer unable to access any of their information on a credit account is illegal. I 'm currently waiting for someone from their credit department to contact me about this.