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

Hello and How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info for Acct XXXX XXXX Acct # XXXX. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Mortgage

Wells Fargo Home Mortgage want give me the day my property was forclosed on and what year
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE NOTE, I'M NOT USING ANY THIRD PARTY FOR THIS MATTER, I represent myself by myself and this is not a duplicate complaint. I'm sending this complaint due to new evidence. XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcy to the credit bureaus and I got a letter response dating XX/XX/2021 stating : They DO NOT REPORT any bankruptcies to anybody So If this the case. How did the credit bureaus 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 ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers 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 consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

According to : 15 U.S.C. 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 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.

I'm sending tis complaint as well to the Attorney General.

Also ONLY TRANSUNION CREDIT BUREAU HAS REPORTED THIS RECORD ON MY REPORT.

I HAVE INCLUDED IN MY DISPUTE A COPY OF : Letter to the court, letter from the court, copy of my ID, copy of my SSN, proof of address.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX leaked my social security number and personal information to hackers. I risk getting hacked.
Product: Student loan

I WAS TOLD TO TAKE OUT A PRIVATE STUDENT LOAN THROUGH GENISIS LENDING SINCE MY FEDERAL LOANS WOULD NOT COVER WHAT WAS OWED. I TOOK OUT A LOAN AND THEY MADE ME PAY IT WHILE ATTENDING XXXX. XXXX DID NOT FOLLOW THROUGH ON THEIR PROMISE FOR JOB PLACEMENT ASSISTANCE. XXXX MISLEAD ME. I HAVE ALSO DISCOVERED THE CREDITS THEY TOLD ME I WAS EARNING ARE NOT VALID FROM THE CLASSES I TOOK.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. On top of this, when I attempted to put an alert on my account ( ca n't freeze it, since I just today applied for a new job ), I was told that there was an error with my records and it could n't be done. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account XXXX XXXX XXXX listed on my Experian credit report has missing/incorrect account information. The following errors are listed : 1. This Individual account which was included in the bankruptcy is still appearing on the report after seven years. In both XXXX XXXX and XXXX XXXX bankruptcies, the individual affected accounts can only impact a report for seven years starting from the original delinquency date. 

The original delinquency date was in XX/XX/2016 ( see attached ). The creditor is reporting this account with missing information ( actual delinquency date, original balance, payments made, etc ) - because they are NOT the original creditor and as such, they can not list correct information which they dont have. 

This account has numerous errors so why is this account still on my report?
Product: Mortgage

on XX/XX/XXXX i got a letter from XXXX XXXX XXXX informing me that my local taxes have an unpaid balance since XX/XX/XXXX. I contacted Wells Fargo by phone immediately upon receiving this letter. and again a month later by phone and then sent Wells Fargo an email on XX/XX/XXXX requesting them to take care of this matter and send me a notice that it is resolved with no response at all
Product: Mortgage

After obtaining a home mortgage from Fifth Third Bank in XXXX XXXX, and closing with extreme difficulties and delays on XX/XX/XXXX, we had filed our complaint with your department. They responded on XX/XX/XXXX, after two months, with a letter justifying their delays & errors. They included a gift card for all of our troubles. Now, here we are almost a year later, with our money in escrow, we are hopeful that our homeowner 's insurance and property taxes will be paid by Fifth Third. We received our homeowner 's renewal dated XX/XX/XXXX, indicating that Fifth Third as a mortgagee, along with their address in XXXX and our loan number. What could go wrong? Well.. .yesterday, XX/XX/XXXX, we received a reminder from our insurance company that no premiom has been received for the XX/XX/XXXX renewal. I contacted the insurance company by telephone & they confirmed thar the annual premium is yet unpaid. I went to a local Fifth Third branch office on XXXX XXXX. in XXXX XXXX, who made a phone call to a mortgage department in either XXXX or XXXX. They would not talk to the personal banker to verify if the escrow dept. had the correct information regarding our insurance company. The banker gave me an XXXX number to call. I called this number, it was n't the correct department, so I was transferred to another person, still not the correct area, so I was transferred a third time, was cut off, started the process again. After talking to XXXX different people, finally spoke to a XXXX, who works for a firm hired by Fifth Third to pay homeowner premiums ( not a Fifth Third employee, but by far the most helpful ). She looked up our account and said due to Fifth Third recently hiring their firm on XX/XX/XXXX, oor renewal declarations and invoice were NOT sent to their company. Could I contact my insurance company or copy my renewal declarations and send to this contract company so they could begin to process a payment that HOPEFULLY would get to the insurance company prior to XX/XX/XXXX?!? I did not create this error, Fifth Third is responsible and once again, I am doing the follow up due to their internal processing errors. The rep ( part of a call center that I can not talk to again ) said she would call our homeowner insurance company to ask them to AGAIN resubmit our declarations and invoice. No guarantee this will happen, so I must domy own followups to both the insurance company and Fufth Third. If I had n't gone tothe Fifth Third branch or called and FINALLY got to the correct person, I would 've assumed that Fifth Third was going to pay our renewal premium. There is no guarantee that this will happen before our policy renews on XX/XX/XXXX. Now I am concerned that our property taxes wo n't be paid on XX/XX/XXXX. I will have to start calling again to insure that they have received the same notice we have received. Is no one accountable at Fifth Third Bank?
Product: Checking or savings account

On XX/XX/XXXX, I made a delivery purchase from my local XXXX. The total charge pre-delivery was {$220.00}, and that charge immediately posted to my checking account. The largest item in the order was unavailable and, therefore, not delivered. XXXX adjusted my receipt to read the cost of the items I actually received : {$130.00}. A difference of {$88.00}. I received the adjusted XXXX receipt on XX/XX/XXXX. 

On XX/XX/XXXX, I noticed the full charge of {$220.00} was still pending in my account and I contacted Chime customer support via live chat. I was told, by that agent ( pages 1-2 labeled XX/XX/XXXX in the attached documents ) that XXXX had cancelled the transaction for {$220.00} and the difference would be returned to my account when the charge was settled. The important fact here is that on XX/XX/XXXX, the Chime agent knew that XXXX had cancelled the original transaction of {$220.00}. 

On XX/XX/XXXX, the XXXX transaction settled and the charge was listed on my account for {$130.00} as made on XX/XX/XXXX. ( page XXXX of attached documents ). However, instead of the difference of {$88.00} being retuned to my account, Chime listed it as a charge ( page 2 of attached documents ). When I clicked on the transaction for - {$88.00} on XX/XX/XXXX, it stated it was an authorization hold that would expire within three business days. 

On XX/XX/XXXX, I contacted XXXX customer support via live chat to make sure that they were not still encumbering the {$88.00} in any way. This conversation was saved and is contained in pages 1-2 labeled XX/XX/XXXX of attached documents. 

On XX/XX/XXXX, the status of the transaction for - {$88.00} had changed to " pending. '' ( page 3 of attached documents ) I waited three days ( from XX/XX/XXXX ) and on XX/XX/XXXX, contacted Chime customer service via live chat once again. This conversation was saved and is contained in pages 1-9 labeled XX/XX/XXXX of attached documents. This agent stated that XXXX cancelled the transaction for {$220.00} on XX/XX/XXXX, and that the difference of {$88.00} would be pending for the next seven business days and then released back to my account if the transaction failed to settle. Well, I had already been told by a Chime representative on XX/XX/XXXX, that XXXX cancelled the transaction on XX/XX/XXXX. 

I called Chime customer service, afraid I was not stating my case clearly on live chat and was simply told I could not dispute a pending charge. 

The {$88.00} should have been returned to my account on XX/XX/XXXX, when the transaction settled. Chime continues to move the ball and communicate falsehoods about the transactional timeline each time I chat with a representative. I am requesting assistance from this agency.
Product: Debt collection

A collection company contacted me about a debt that I do not owe. They sent an email that I accidentally discovered when browsing my email spam folder. 

I immediately replied via certified US Post to notify the collection company that I do not owe the debt, that the debt is disputed, not to call me or email me and to only contact me at my postal address in writing, and asked them to provide any documentation that they believe proves I owe this debt. 

I got no reply in writing. 

In spite of my written request otherwise, someone claiming to represent the debt collector phoned me and left a voicemail threatening a summary judgement against me. 

There are thousands of complaints in the CFPB database against this particular collection company. 

I believe that the debt collector ignored my letter ( for which I have proof of delivery ), illegally contacted me by phone after I instructed them to only contact me in writing at my postal address, and is still in the process of seeking a judgement against me for a debt that I do not owe. 

Rather than wait until I have to dispute an illegally obtained summary judgement, I am asking the CFPB to force this collection company to acknowledge my request to provide proof of the debt or quit.
Product: Credit reporting or other personal consumer reports

This has been a 2 year ordeal dealing with credit bureaus I have tried numerous times requesting XXXX, XXXX XXXX, and Experian to update their database because my profile has numerous inaccuracies and they still have not been able to provided a fully detailed credit report with the corrections I requested. I demand that ALL negative remarks be removed from my credit report ASAP. This is a violation of my rights under 15 USC 1681a ( d ) ( 1 ). If this matter is not rectified I will be forced to file a Lawsuit.
Product: Credit card or prepaid card

A credit card with SYNCBJC PENNEY XXXX was opened fraudulently using my personal information.
Product: Credit reporting or other personal consumer reports

About 6 months ago, Identity works was assigned to me due to several data breaches who sent me a membership for it. 

I called every creditor Ive disputed on a XXXX way, recorded call with XXXX XXXX. Afterwords she submitted disputes with her notes. I said they wont read them, nothing will happen. 

She advised me that if nothing happens, I am in a XXXX party consent state and the calls were recorded. I should subpeona the calls if I cant get them myself, and sue Experian. She didnt work there any more by our following werks scheduled follow up.

Ive been requesting those phone recordings, and had an attorney ive been working with from consumerattorneys.com reach out to let them know he plans on to subpoena those recordings and attempted to get through the automated voice attendant they have. Which is not possible sometimes. But he did and was told theyll be mailed first. Then that a real way to send them would happen. 

I am still requesting those recordings XXXX months later. 


Those disputes also were oaid no attention at all. 

Also, while uploading a couple of emails between XXXX and I, of course it isnt possible to look at anything Experian was reporting 8 months ago and see hege differences in that and what they are reporting today. 
The affirm screen shots, which Ive provided a bank statement from another merchant that sent it to prove that they did refund Affirm once I found about it, all said I opened the account this year. But theyve been reporting it, and then updating it as if it was new and just reported every month since. 
These say XXXX. A week before the dat it was in the screen shot. They had been reporting that the refunded money from XXXX who sent a bank statement to prove it since XX/XX/XXXX. Oh, and the refund was granted and processed according to samsungs bank records on XX/XX/XXXX. So there osnt a debt to havebeen " verified '' by experian 's " sham investigation, '' to begin with. 

I also now remember the kohls nonsense who was part of the XXXX way calls, and cleared any debt I had. I actually just got an update to terms and conditions yesterday for my card with them I dont know of many stores that only reach out when somebody is XXXX in default and written off only once a year when a variable rate adjusts for all cardholders ... ( Attached )
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have been repeatedly contacted at work by Merchants and Medial Credit Corporation XXXX XXXX XXXX, XXXX MI XXXX about unpaid tuition fees, after receiving a notice in the mail 1 week ago. I am unable to take personal calls at work. They have threatened that they will continue to call me at my place of work until I 'm able to come to terms. I live in a different time zone from them and have a hard time connecting to them outside of work and plan to communicate with them on a Saturday when I do not work. I think that this is harassment. I have asked that they not contact me and that I will call them on Saturday, as I said I just received the collection notice on Monday. Additionally the person that called me was very rude and aggressive. They would not listen to me when I was asking them to stop calling me at work and that I would call them back. He said if I did n't pay something right then that he would just keep calling. I explained that it is impossible for me to pay as I do not have any money and he still would n't stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$890.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$20000.00} XX/XX/XXXX BANKRUPTCY XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone Tried to open the below credit card with my name as XXXX XXXX XXXX. 

Account name- CAPITAL ONE Date opened- XX/XX/2022 Business type- XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Credit card

Hard Inquires WFBNA CARD Inquired on XX/XX/year> XXXX XXXX  Inquired on XX/XX/year> No service provided Remove from credit reporting bureaus
Product: Credit reporting or other personal consumer reports

This Account have violated my rights According to FCRA ; XXXX. XXXX XXXX XXXX ; account number # XXXX. 
According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report. 
15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. '' Spokeo v. Robins, 2016 WL 2842447, 578 U S.- ( XX/XX/2016 ). 
Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how these accounts are reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account status.

Everything reported here does not meet the FRCA.
Product: Debt collection

I included my debt to Speedy cash in the amount of XXXX dollars in my Bankruptcy which was filed in XX/XX/XXXX. My case number is XXXX, my attorney is XXXX XXXX XXXX. All debts owed to Speedy Cash were included in the bankruptcy yet Speedy Cash refuses to list the debt as discharged or closed. As of XX/XX/XXXX it is still on my credit.
Product: Credit reporting or other personal consumer reports

This is my first endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX CT XXXX, CA XXXX XXXX XXXX CT XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$940.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX