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

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX is in direct violation of my Consumer Rights. According to the Fair Credit Reporting Act as a Consumer I have a right to Fair and accurate credit reporting. As a Consumer I have a right to ask that the consumer reporting block inaccurate information that may be the result of identity theft. On numerous occasions XXXX XXXX XXXX and Diversified Adj Svc was informed THE FOLLOWING account information being FURNISHED to XXXX XXXX XXXX, and Diversified Adj Svc and reported by XXXX XXXX XXXX and Diversified Adj Svc is in fact inaccurate and they continue to report. XXXX XXXX XXXX and Diversified Adj Svc is using the color of Law to publicize and report inaccurate and private information that has resulted from it's own ACTS of FRAUD and IDENTITY THEFT as defined by 15 usc 16819 ( a ) ( q ) regarding the following accounts ( include accounts ) In addition, XXXX XXXX XXXX and Diversified Adj Svc was also informed above mentioned accounts are involved in litigation. I have not supplied proof under the doctrine of estoppel by Silence, XXXX XXXX XXXX ( XXXX  ) 281 sw 715 719 I may Presume that no proofs of the alleged debt, nor therefore any such debt in fact exists. There are several addresses being reported that do not belong to me as well as inquiries. The only address that should be attached to my consumer file is XXXX XXXX XXXX XXXX XXXX XXXX There should be no HARD inquiries. My file contains the following unauthorized inquiries that must be removed pursuant to FCRA. Collection and XX/XX/year> and XX/XX/year>
Product: Credit card or prepaid card

Citibank sent XXXX checks for {$29000.00} to another party without my authorization and added these charges to my account. XXXX of the accounts they added this balance to was a closed account with a zero balance. This is fraud beyond belief.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, CREDIT COLLECTION SERVICE added a derogatory mark on my credit report per XXXX XXXX. Upon further research, I am not responsible for this account. The creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send in a bill and say it is mine. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 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

FRCA Violation credit cards late payment XXXX FRCA Violation auto loan late payment XXXX XXXX FRCA Violation real estate loans late payments XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX FRCA Violation inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX FRCA Violation personal information XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card account from XXXX has multiple charges that are not mine and were unauthorized. Charges were made by ex-spouse XXXX XXXX SSN XXXX. Ex-spouse was in XXXX and I was in the United States while these charges were made. I have tried multiple times to explain this XXXX and to come to an understanding to resolve the issue. A resolution has not been met. XXXX has reported this account as a charge off and continues to report negative derogatory every month for the past year damaging my credit score. I do not wish to establish any credit card account with XXXX.   Please see attachment regarding unsigned authorization to re-establish the account on my credit file.
Product: Student loan

On XX/XX/XXXX of XXXX, I consolidated 6 private loans under three different loan servicers : XXXX ( 1 loanXXXX XXXX XXXX {$7200.00} ), XXXX ( 3 loans- XXXX XXXX XXXX- {$1300.00}, XXXX- {$2700.00}, and Perkins loan- {$3000.00} ) , and XXXX ( 2 loans-XXXX XXXX- {$6500.00} and XXXX- {$8600.00} ) with Sofi for XXXX. XXXX then became my consolidated loan servicer. In XXXX of XXXX, I noticed that I kept receiving XXXX bank statements to re-pay my loan. I also noticed that my beginning balance at XXXX ( {$30000.00} ) dropped to {$20000.00} within 3 months. I called Sofi 4 times in regards to this situation. The final representantive I spoke with ( a member of their specialist team ), stated that Sofi made an error and did not include my XXXX loan. A previous representative I spoke with told me that Sofi would " take care of the issue since this was an error on Sofi 's end. '' I was never notified by Sofi about the exclusion of the XXXX loan and thus, was late on my XXXX payments as I was under the impression that Sofi had consolidated all 6 loans. Sofi is now stating that I must re-start the loan application process and now consolidate XXXX with XXXX in order to resolve the situation for their error.
Product: Checking or savings account

On XX/XX/XXXX I transferred {$7000.00} from my CoinZoom Debit card ending in XXXX to XXXX. 

A few minutes later, I meant to send the {$7000.00} to my XXXX XXXX Checking account, but instead sent the money back to my CoinZoom Debit card ending in XXXX as that was the payment source that was currently linked to my XXXX account. Please note that the amount sent from XXXX to CoinZoom was {$6900.00} ( the bank statements show {$7000.00} as there was a {$100.00} fee to transfer the cash out to CoinZoom ). I've attached an XXXX file listing all transactions going in and out of my XXXX Account. I've also listed a snapshot of my XXXX and XXXX activity showing the transaction leaving my XXXX account on XX/XX/XXXX at XXXX MST and never being returned. 

XXXX confirmed that the {$6900.00} was sent to CoinZoom and provided the Retrieval Reference Number : XXXX to help trace the deposit. 

Then After multiple follow-ups and over a month of waiting I finally received the missing {$6900.00} on XX/XX/XXXX deposited in my CoinZoom account. 

Then on XX/XX/XXXX, when I logged into my Coinzoom account, CoinZoom made a " ACH Adjustment '' for a negative - {$6900.00}. They removed my {$6900.00} in funds and never provided an explanation as to why they credited my missing funds and then decided to take it away a week later. 

I've reached out over XXXX times in the last XXXX  months and they still have not resolved this problem. I've also sent XXXX messages in the past 60 days requesting them to provide an update and they haven't responded. I even provided them with a Business to Business phone number that XXXX XXXX provided me ( XXXX ) XXXX to work with them on locating the funds and they haven't made any attempts to remediate the issue. 

I'd like to have my {$6900.00} in missing funds returned to me immediately.
Product: Credit reporting or other personal consumer reports

According to the FCRA section 605B it is illegal to report anything on my credit file and reports without my permission. I have never given my written, verbal, implied, or expressed permission to publish anything on my credit profile. 

Furthermore, The bureaus have not removed the misspellings of my names. 

My only Name : XXXX XXXX My only Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX My only Social Security Number : XXXX That is the only legal/lawful spelling of my name and the correct address I have ever lived at. The bureaus have failed to update my information and delete the incorrect information which is a direct violation 15 U.S. Code 1679c - Disclosures.

Further Violations by the bureaus - 15 U.S. Code 1681i - Procedure in case of disputed accuracy, as they fail to correct this information and reflect it now for over a year.
Product: Credit card or prepaid card

Hello, I recently signed up with the Capital one Savor One Credit Card in XXXX. I was told that I would be getting a sign on bonus online when i signed up. It was advertised a sign on bonus of spending XXXX $ and getting {$200.00} back. I met the minimum spend requirement like they said but I did not get the sign on bonus. I called on XX/XX/XXXX and asked about it and they said I did not qualify even though it was advertised when I signed up and it said I would get it online when I signed up. They said there is no way for me to get it even though It said I would get it online when I signed up. I also asked why i was not told that I didn't get the sign on bonus then if I didn't qualify and they said that Capital one does not tell you if you don't qualify or not even though they advertise it like that.
Product: Checking or savings account

I have so many mobile/online accounts i dont know where to begin!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has negative record of no child support paid since XXXXXXXX XXXX OAG has requested this to be deleted. I have sent Experian proof of all payments from XXXX I sent Experian a letter from XXXX OAG stating I am current. I have submitted 3 disputes and still unresolved. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX  XXXX. Please remove these accounts ASAP.
Product: Checking or savings account

My account has fraudulent activity. I called immediately to have my account froze and money was still distributed out of my account to an external account at another bank, my personal checking personal savings business savings was all transferred into my business, checking and then transferred out of the bank. I have received partial money that was missing as of XX/XX/XXXX when it was taken out as of today, XX/XX/XXXX I have detectives now on the case to find out where the fraud began, and whats happening since nobody at the banks are talking to me in the fraud department. I was told that a business account was created at the other bank fraudulently, and thats where my money was transferred to as up-to-date I still have monies due to me.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account.
Product: Student loan

I have a consolidated loan it is now with Nelnet. Half of my loans were discharged quickly with aidvantage. However, Nelnet still has not discharged the rest Through XXXX vs. XXXX. I had spoken with the person whos over my borrowers defense application. I was informed that nelnet would be notified to discharge the remaining balance of the loan. It's a year later and nelnet still hasn't discharged the remaining balance. I'm aware that discharges have been taking place yet i still have loans. I'm tired of playing this game between nelnet, borrowers defense and fed aid. I need the remaining portion discharged as promised. I'm sick and tired of being sick and tired.
Product: Credit reporting or other personal consumer reports

Equifax is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Equifax to provide the documentation used to determine inquiry was indeed authorized by the consumer, Equifax has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. If Equifax does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. Equifax Commission file number XXXX inquires that is fraud XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i will be filing form 211 treasury forms to audit consumers account. 
XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I sent each company and each credit bureau notarized letters, police reports, and identity theft affidavits. I also sent proof of my address and asked each company to send me proof of the account, how the account was verified and the company 's verification method. these companies failed to show any proof that the account belong to me. i followed up with a failure to investigate letter and my request was totally denied and ignored by these creditor companies and credit bureaus. i sent these companies a 1692 G ( B ) letter and i asked these companies to follow up with me. XXXX XXXX XXXX XXXX sent out false information to a false and fraudulent address, i called and asked XXXX XXXX XXXX XXXX why wasn't the information sent to the updated address, they never replied back. XXXX XXXX never sent me and documentation verifying this account nor did XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX. these companies are reporting false information on my credit files and have also sold my personal information to third part collection companies which is illegal given the fact i never authorized any of these companies to use my personal information to obtain any credit accounts. These companies have also charged off these debts and have been trying to collect payment through third party collection companies, i have been harassed by these collection agencies. These creditor and credit bureaus have violated my consumer rights in a major way. i have contacted the state attorney general to file a complaint against these companies. i want this information removed immediately from my credit files within 30 days. they have failed to investigate the correct way, they have failed to validate any of these accounts. Experian has also leaked my personal information in data breaches and refuse to remove and fraudulent credit accounts, inquires, and false data reporting on my credit files.
Product: Credit reporting or other personal consumer reports

For more than a year now Equifax has been reporting a wrong credit score on my XXXX XXXX profile. My score is being reporting over XXXX points wrong there and its cause me to be denied credit as well as receiving very high interest rates or very low limits if approved for anything at all. This has been going on for way too long and its really hurting and affecting my livelihood. On the Equifax site it shows a more accurate score but not across this other platform. Its also reporting a derogatory statement which is a collection that only shows on XXXX XXXX and doesnt even show on the actual Equifax site
Product: Money transfer, virtual currency, or money service

ON THE, XXXX  AND XXXX I MADE FRUADULENT ZELLE TRANSACTIONS VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND ON THE XXXX XXXX XXXX   I MADE FRUADULENT ZELLE TRANSACTION VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSACTIONS VIA ZELLE- XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSACTIONS VIA ZELLE XXXX XXXX PAYMENT ID XXXX XXXX
XXXX XXXX PAYMENT ID XXXX XXXX
XXXX XXXX PAYMENT ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my credit data, social security number and other identifying information to be stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX/Experian/XXXX  after I purchased a credit report with XXXX XXXX  on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these accounts lates will be removed and corrected. 
XXXX XXXX Balance : {$6600.00} XXXX  XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX Balance : {$3600.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 2 auto loan accounts XXXX opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ) and XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). XXXX personal credit card accounts opened at XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

XX/XX/year> loan closing of our business ( XXXXXXXX XXXX XXXX ). attorneys office received false email to wire money ( XXXX ) to routing # with Truist bank. their escrow account was with XXXX XXXX. closing was completed XXXXXXXX XXXX Friday. money was wired by XXXX XXXX bank to Truist bank shortly after closing. the fraud was discovered Saturday morning and the account it was sent to was frozen. law enforcement was notified. XXXX XXXX sheriffs. s. c. ( case # XXXX ). both banks fraud divisions are aware of details. we can not get banks to release our money. its absolutely no question this money is proven to be ours and they still refuse to release it. we are having to make payments on notes and equipment we no longer own because of finger pointing and red tape. it's bad enough thieves almost got away with their scam. now were having to deal with two huge banks who seem to have little concern about returning our money. we're going into the fifth week trying to deal with these banks with no success and no reasonable responses. please help us as we seem to have nowhere else to turn. thanks!
Product: Debt collection

This debt ( though it was not mine due to fraud filed with the FTC and XXXX Police Department, ) I nonetheless paid it in full because it was the lone negative factor on my credit report. I have spoken  with the medical vendor and the collection agency. Further I have email confirmation from.the reporting collection agency that it would be deleted with payment which I paid and is detailed in the email exchange. Two of th three credit bureaus have deleted it, yet one has not. In addition, this collection agency, XXXX XXXX, Director First Financial Resources , Inc . 
XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, MA XXXX is now engaging in illegal collection methods. I would like to upload accompanying evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

BB & T letter with provided dated XX/XX/XXXX account number ( see subject ) could not find any account with my information. They asked for information, I provided the account number they associated with the bogus account and they wanted an account number. There is no account. I have purchased 2 homes since and this is a non issue when I show letter. Stop reporting this false credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 84 inquires from car companies all over the united states. I advised all 3 credit reporting bureaus that there is no way I asked for all these attempted accounts. The items have still not been removed from my credit reports and I submitted letters asking them to be removed or I would come to the CFPB.