23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX refuses to give me any information on an alleged account that's under my name. 
according to 15 USC 1692G there are four things asked XXXX to send me about this alleged debt. 1.detailed list of the history of payments made by me on this account. 2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor.3.Im asking to see has any insurance claim filed on this and lastly, I want proof that you have the chain of title to collect on this debt if you can not verify or send me these things I demand you remove this debt from my credit report under 15 USC 16 92g . they continue to report three different inaccurate reports in the same months to XXXX different bureaus They refused and said they could not help me and are reporting XXXX different things on my credit report violating my rights. I have submitted the proof of the cop [ y of how its being reported
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuse to removed inaccurate information on my account. The only thing that they did was put a fraud alert on the account. I didn't receive any results of any kind.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I received two cards in the mail from Truist saying I declined overdraft coverage and I called them to try to explain to them I did not open two accounts with them. They kept asking for my social security number and I refused to give it to them. The cards came from XXXX, NC and she said she was in the XXXX. I did not open accounts with them and I dont even know what Truist is. I dont know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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. 


XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The last letter I sent to the XXXX and Equifax credit bureaus was dated XX/XX/XXXX but I never received a response from them. These account must be validated in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this formal complaint against XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, and XXXX XXXX XXXX for failing to correct inaccurate information on my credit report despite multiple disputes. Their negligence in upholding the Fair Credit Reporting Act ( FCRA ) has resulted in significant emotional and financial hardship. 

Despite submitting disputes on XX/XX/year>, XXXX, and XXXX, All the creditors ands collection agency I mentioned failed to conduct a reasonable investigation and instead verified false information without reliable proof. This has resulted in : Significant Damage to My Credit Score, limiting access to affordable credit. 
XXXX XXXX, due to higher interest rates and loan denials. 
XXXX XXXX from repeated failed attempts to resolve this matter.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/Charge off XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> {$1900.00} Late Payment : XXXX XXXXXXXX  Inquiry XXXX XX/XX/year> Personal Information Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XX/XX/year> Current Address ( es ) :  XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, my direct deposit was not released into my bank account by capital one. For some customers this started on the XXXX. We are going on three days without access to funds. Capital one has given us no explanation expect for technical issues. They have avoided answering questions about whether they will cover the fees that people will inevitably face when their bills arent paid on time due to lack of access to their money. In the email sent out on Thursday XX/XX/XXXX at XXXX, they stated that the issue would be fixed and we should have a resolution by Friday morning. However, as of Friday at XXXX, no funds have been released, and no further information has been shared by Capital One. Additionally, Monday XX/XX/XXXX is a holiday so if this is not fixed by today, Friday XX/XX/year>, many of us will be out of money for the entire weekend. I live in DC and personally made the choice to leave the city for safety reasons in preparation for inauguration, and now I can not even pay for a train ticket.
Product: Debt collection

Past due medical bill from XXXX XXXX XXXX XXXX was purchased by Browns Collection Service out of XXXX Arizona with my original balance being {$1800.00}. Browns collection service has been charging me interest that was not part of my original contract with the hospital. The last balance I received from Browns Collection Service was {$3100.00}. There has been at least {$1300.00} that I have been charged in interest I never agreed to.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of items below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, XXXX, and Equifax to reinvestigate these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify what isnt reporting correctly. 
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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

My complaint is against Chase Auto Finance, I filed an complaint with CFPB on XXXX XXXX, 2020. The reason I filed an complaint against Chase Auto Finance, I paid my truck note on XXXX XXXX, 2020 over the phone, I normally pay it online. I explained to the representative I didn't want my account to go over 30 days, the representative was unsure when my 30 days was due, so he told me it was best that I pay it now. The representative asked how did I want to pay my truck note and did I have account with Chase and I said yes, he asked did I want to use my checking account and I said yes, he read out the account number to me, and asked is that your checking account number, I said yes because that's the only account I have with Chase. After a couple days my payment never process, I call almost everyday until someone told me it was the wrong account number, an account that I close years ago. A Mr. XXXX from chase called and said he was investigating my complaint and he tells me the representative was right for giving me the wrong account number. Mr. XXXX knew that I have never been 30 days late, he knew the representative had given me the wrong account number, so he sabotage the investigation. Mr. XXXX refuse to let me hear the recording and continue to pretend he don't know my address to send me the report. I will file a civil suit against Mr. XXXX and Chase Bank for sabotaging the investigation and damaging my credit report and cause me deep XXXX, and I also my home loan because of this, my payment record was 100 % on all my bills until Mr. XXXX sabotage the investigation.
Product: Debt collection

I submitted a complaint and XXXX investigated it. They did not submit a response through this portal. I just recieved an email that the account was updated. They stated that the debt was verified as accurate.The are still reporting inaccurate information and is in direct violation of my consumer rights under FCRA 611 ( a ) ( 5 ) ( B ), inaccurate information must be promptly deleted or corrected by the consumer reporting agency after receiving notice of dispute from the consumer. Given the discrepancies noted above, I request that Experian promptly delete the inaccurate information from my credit reports. I request that XXXX and Experian conduct a thorough investigation into these discrepancies as required by FCRA 611 and promptly delete the inaccurate information from my credit reports. 

Please provide the method of validation of the debt.
Product: Student loan

MY personnel information was used to secure a student loan from XXXX XXXX by my son without my knowledge or permission, he is now in default and Naviant, who took over for XXXX XXXX, wants me to pay. I filed charges against my son for fraud sent all of the information to prove that the loan was fraud. They refuse to accept that this was fraud. I have sent them a cease and desist letter and told them if they think that I owe them anything to take me to court, they refuse to take this matter to court. They or other collection companies that work for them are harrassing me with calls and reporting to the credit reporting agencies that I am in default when I owe them nothing. If I could find a lawyer that would repersent me I would file a law suit. But lawyers only work for the wealth poor folk like me have no one to help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX Balance Owed : {$1300.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this.
Product: Debt collection

US Collections West, INC. REPRESENTING THEIR CLIENT XXXX XXXX XXXX has sent me incomplete documentation of their claims. 
They have failed to provide the documentation that was sent to XXXX XXXX XXXX disputing their misrepresentation and bills. I am attaching that documentation. 

They have not provided my claims of misrepresenting the amount due and sent to collections. Attached is my email to their client disputing the withholding of my security deposit : 1. The Property Inspection Move IN Report. 

2. REPAIRS requested at Move - In 3. Handy Dandy Move Out Packet with names, addresses, amount paid providers by me in compliance of cleaning and all work done to insure my deposit was returned in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account doesn't belong to me. I sent a police report to both the credit bureau and spoke with the creditor, this account came off of XXXX however is still showing on Experian and XXXX. I [ 've never had an account nor never benefited from any account with XXXX XXXX. This account is ABSOLUTE FRAUD and is hindering me from moving forward in obtaining credit.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX in Dispute : XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Balance : {$0.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries started appearing on my report that I didnt make. I called all XXXX credit bureaus to place fraud alerts on my reports. Stating that lenders or financial institutions should ONLY verify with my phone number and email address. Whoever was calling in was able to keep changing my alert to their own number and information. I was almost locked out.
Product: Checking or savings account

I had some investments with Robinhood which I liquidated and transferred to their FDIC spend account. ( Their checking account equivalent ). I then requested a check to be sent for the full amount of {$2200.00}. Robinhood then informed me said check was mailed. A few days after I received email stating they issued a stop payment on that same check without my permission.

Robinhood then limited my account ( froze it ). Asking for bank statements from 2 other financial institutions which I never even used to fund Robinhood and are none of their concern regarding these funds. They state this is to verify I dont know what, as I requested a withdrawal via check not to another institution. I submitted one statement anyway as the other account isnt even linked or ever been used with my robinhood.

After submitting this I called Robinhood and I was given a non answer. Some accounts cleared in XXXX days others in XXXX others I dont know I was told they dont have a set time to release MY money. I informed the representative to return it via the account used to fund or a check directly to me. All I was given was more non answers. 

I find this practice to be unacceptable. A bank or financial institution should not have license to hold a customers money without recourse.
Product: Payday loan, title loan, or personal loan

Attempted to pay balance of XXXX online several times and was unsuccessful in the process due to the online site. Each day the amount increased and when I contacted Speedy Cash they advised it was nothing they could do and I would be responsible for the amount as it is today. I also sent a email with no response. I went ahead and made the increased amount balance payment. Speedy Cash had no issue taking the payment for the increase amount over the phone.
Product: Credit reporting or other personal consumer reports

I Didn't get a response back I'm just tired of going through this back and forward with this company I dispute it and they don't remove this off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the CRA multiple times via Certified Mail and their online dispute system ( which seldom works ). 

There is an entry listed on my credit report in error, which I have tried to have removed repeatedly. It has come to my attention that someone with a similar name to mine filed bankruptcy in the XXXX  District of Florida U.S. Bankruptcy Court, and it has appeared on my credit report. Through your dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. However, it remains. 

I searched the XXXX  system and I have contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau information relating to any bankruptcy cases, and that your information is from an online service such as XXXX XXXX XXXX XXXX XXXX XXXX. I have searched XXXX  for information pertaining to this listed Public Record, and the address listed on the court filings is not my address, and I have never lived there. The address is located in XXXX County and I have been a resident of XXXX County for over 10 years. 

As you well know it is a violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. to report erroneous information on a credit report. I demand that Transunion expunge the reporting of a bankruptcy entirely, as it is a willful violation of the bankruptcy reporting requirements of 15U.S.C. 1681c ( d ) ( 1 ).
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX XXXX XXXX XXXX  PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The original balance being reported owed is {$1500.00}, yet it's being reported the balance owed is {$1500.00}. Also, a collection account can't have a past due amount. To many clear inaccuracies as this is grounds for deletion and to be in compliance with FCRA guidelines.

I've sent two certified letters to the company which to no avail have no address the letter in detailed as it pertains to the alleged debt.

Please see the supporting documents that were ignored per XXXX XXXX and/or company at Convergent Outsourcing XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

What is this complaint about?

When applying for a car loan the credit report from XXXX/Equifax is drastically less from my consumer pull than what the dealer came up with. My scores have been hovering at the same number for about a year. I additionally have different averages for the age of my accounts. My paid off debts to not show for some reason either. Lastly, when I tried to get insurance it seems my public record was mixed up with wrong person, however I have no insight into this issue now.

What type of problem are you having?

Inability to get public information or the reasons behind my credit score being low. IE : Through my requests it shows as XXXX  but through a pull from someone else the score shows as ranges XXXX to XXXX. Not able to get insurance for new car. Not able to figure out what issues are happening for my records.

What happened?

I attempted to purchase a car out of necessity and had to co-sign with someone else because of the issues with my credit and possible identity.

What company is this complaint about?

Equifax, XXXX, and XXXX.

Who are the people involved?

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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX XXXX XXXX Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXXXXXX