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

Last year, I found XXXX fraud accounts in my credit report. They were all late and had outstanding balances, but I have never applied for these credit cards. I called these companies few times to inform them what is going on, but one of them said they can not proceed with my claim because they were " unable to verify my identity '', " everything is showing accurate '', and " I need to contact my credit bureaus in this case. '' I did contacted Experian, XXXX, and XXXX, and they told me to submit XXXX report which I did. I first submitted XXXX report back in XXXX of XXXX, and until now, when I submit XXXX report, all the results are coming back with " these are accurate information. '' I even contacted these creditors to request the actual application and whatever documents they received, but I never received any letters from them except for the dispute case result letter saying " this is correct information. '' I even requested credit bureaus and requested to send me whatever they received from creditors proving that these are my accounts. However, since XXXX of XXXX, until now, they never sent me any proof from creditors. My credit score is severely damaged, and the representative told me to pay for it, and they will refund me once the dispute case is finishes. I can't understand why do I have to pay for something that I have never applied for or never used it. I have been asking my credit bureaus to help me, but all they say is " we just do what we receive from creditors. '' Of course, these creditors would want this account to be factual because they need someone to pay the balance. At least credit bureaus should have stand up for me because I am paying them monthly membership fee to protect and help me. Until now, none of them helped me or showed any efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to the Equifax hack - according to their online system, I am one of the 148 million affected Americans. A breach of this level is absolutely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a home equity line of credit with XXXX XXXX XXXX I was in forbearance when they reported late payments or no payments towards something that was in forbearance. This line of credit is since 2009, they have double recovered that money, but they never stop and instead of helping, they use everything in their power to harm the clients. I talked to them, but they did nothing. This is about a rental property where the tenant does not pay the rent in this time of Pandemic, and I keep paying the taxes and the insurance for that house. I have put the house for sale to get rid of those people who never stop like snakes with their poison. Never in my life will do business with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX at the XXXX XXXX XXXX XXXXXXXX XXXX in XX/XX/2022 and was taken by ambulance to the hospital. I was billed for these services while under the care of the state. I had a pre existing injury called XXXX XXXXXXXX. On my credit report is the company .XXXX XXXX XXXX XXXX  Complaint was opened XX/XX/2022 and I was XXXX XXXX of XXXX until XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After notifying Transunion that I am a victim of identity theft, I requested a number of accounts be blocked as they are a result of identity theft. Meaning, I did not authorized sign or agree to their opening. Transunion, presumably accepted my request but without notifying me, converted my request to a dispute instead. Which is in violation of Then 30 days later sent me a correspondence stating they verified the information as belonging to me. This could not have been so, as my identity was stolen and used without my consent and knowledge. So my question is, what did Transunion verify? Additionally, Transunion refused to block these fraudulent accounts as identity theft, but they placed an identity theft fraud alert on my credit report. Again without notifying me that they accept my request in part. Lastly, Transunion has a history of refusing me access to my own reports, allowing un-authorized disclosures of my report and creating duplicate files for me and placing negative outdated credit accounts on it, and distributing this information to requester of an accurate credit file. Transunion refuses to block the following accounts and refuses to provide proof that I am the owner of these accounts because they know these accounts are identity theft they just want to continue to get paid for reporting fraudulent information. Please help me get these fraudulent items blocked from my credit file. 
XXXX XXXX**** {$470.00} XX/XX/XXXX XXXX XXXX**** {$5700.00} XX/XX/XXXX XXXX  XXXX**** {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX**** {$0.00} XX/XX/XXXX XXXX XXXX**** {$24000.00} XX/XX/XXXX XXXX XXXX**** {$24000.00} XX/XX/XXXX XXXX XXXX XXXX**** {$24000.00} XX/XX/XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX**** {$62.00} XX/XX/XXXX XXXX XXXX**** {$490.00} XX/XX/XXXX XXXX XXXX**** {$84.00} XX/XX/XXXX XXXX XXXX XXXX**** {$18000.00} XX/XX/XXXX XXXX XXXX XXXX**** {$270.00} XX/XX/XXXX Collection/Chargeoff
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed dispute letters XX/XX/2022 to equifax XXXX  and XXXX Sent a demand to comply letter XX/XX/2022. No results received, nor any communication
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : {$7900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

security systems legally had to remove from my credit and they did, then they illegally put it back on my credit. its not mines then XXXX XXXX reported me and its not mines. they don't respond to me. these accounts are not mines XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2000.00} Closed XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX + {$0.00} Closed inquiries not mines XXXX Inquiry : XXXX. XXXX, XXXX + Telephone Companies XXXX Inquiry : XXXX. XXXX, XXXX + General Clothing Stores XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry :  XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + National Credit Card Cos. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Utilities Contact the inquirer : MAIL ONLY XXXX Inquiry :  XXXX XXXX, XXXX + Miscellaneous Utilities Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XXXX XXXX, XXXX + National Credit Card Cos. 
Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Im confident I pay on time every month, but I dont know why this company says Im late. According to USC 1666b, errors need to be corrected, and the account should be marked " paid on time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a closed, wrong reporting acct. They never sent verifiable proof, can't connect the address to the account, this has been going on for over 1yr.
Product: Credit reporting or other personal consumer reports

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Product: Checking or savings account

I was contacted by a gentleman impersonating a job recruiter for XXXX. He offered me a job as a medical coder ( XXXX ). He took the time to go back and forth with me. He even sent me interview screening questions and finally got back to me and said out of all the candidates I was chosen. He even sent me an offer of employment letter which I had to sign and send back. He then told me they would send me a check so I could purchase my workstation directly from their vendor. He instructed me to download my mobile banking app and deposit the check through the app and as soon as it went through to contact him via XXXX chat because that would be our way of communicating since I would be working remotely, and he would be my supervisor I would be checking in with him daily for my work assignment. Once I deposited the check in the amount of {$7300.00}, He instructed me to do a wire transfer to their " vendor '' {$7300.00} and a service charge of {$30.00} for express delivery for same day, Which I did. He told me I should expect a call from the vendor within the next week. The next day he messaged me on XXXX chat and stated that their vendor had raised their prices, and he would need to send me another check to cover the amount and that's when I got suspicious. I called XXXX XXXX and left a message to see if this guy was legit. I also called my bank, XXXX XXXX  XXXX XXXX ) and maid a wire scam claim and tried to do a wire recall and we did a wire tracker. That was done on XX/XX/year>. They told me they would send all the information to Wells Fargo so they could do their own investigation, and they could try and recover my funds. I was told by XXXX XXXX XXXX that the process would take up to XXXX business days for Wells Fargo to give them an answer. I kept calling every XXXX weeks as they had placed a freeze on my account. I would have to call every payday to transfer funds so I could pay my bills. On XX/XX/year> I called again to transfer funds and get a status update on my claim and was told by XXXX  XXXX XXXX XXXX Wells Fargo had denied my claim. even after I had sent them over all my evidence.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$550.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!
Product: Credit card or prepaid card

*THIS IS NOT A DUPLICATE- ADDITIONAL EVIDENCE ATTACHED* I can not believe I have to keep fighting this. GM states I am responsible for late fees and interest because I did not make payment from XXXX to XXXX. I paid the account in full on XX/XX/XXXX for all charges up to that date. There were only 4 charges after that. {$72.00} and {$15.00} on XX/XX/XXXX, {$11.00} on XX/XX/XXXX and {$20.00} on XX/XX/XXXX. THESE WERE FRAUDULENT/UNAUTHORIZED charges. All 4 have been disputed and APPROVED by GM. I have attached the 4 approvals and the statements with the original charges. GM is stating that because I did not make payment on unauthorized charges, I am responsible for the late fees and interest that accrued on those unauthorized charges. How is that legal? All authorized charges were paid in full. The late fees and interest are on the 4 unauthorized charges. Once the disputed charges were investigated and REMOVED, shouldnt all subsequent fees and negative reporting be removed?
Product: Credit reporting, credit repair services, or other personal consumer reports

I needed to get credit reports available for my mortgage agent to pull reports for me to qualify for a home purchase. XX/XX/2020 tried to get a temporary lift to credit freeze with Equifax. Used the call number XXXX. After a very long and confusing set of security questions, I was asked specific questions about my credit record. I had a copy of my XXXX   credit report in front of me, but could not identify the finance agencies in the answer choices. I failed the security questions and was " locked out '' the phone line directed me to the website www.myequifax.com where I tried to again lift the freeze. I could only get a screen saying there was a problem and I should XXXX. I tried calling consumer services XX/XX/XXXX at XXXX, again another cumbersome set of ID questions and finally got to a real person who said there was nothing she could do, I needed to FAX my ID info to Equifax Security Freeze Dept. ( XXXX ) and wait 5-7 business days. I called again and another agent walked me through the security questions and said I answered them correctly this time and put me on hold. Then I was disconnected. I tried to call him back but got yet another agent who said she could do nothing. I feel this is a punitive process with " Gotcha '' questions designed to lock out a consumer and frustrate them to the point of removing a freeze altogether so they won't have to go through this ever again. I will not be able to get this report unfrozen in time to qualify for the mortgage and will thus lose this home purchase.
Product: Credit card or prepaid card

On XX/XX/2021, I rented a car from XXXX. When I arrived at the car rental building at the XXXX XXXX Airport, the usual office where one would fill out the paperwork to rent the car was closed and there was a sign on the window directing me to go upstairs to the XXXX kiosk on the second floor. So thats where I went to get my car. 

I signed the contract for a XXXX XXXX. The rental agreement had an estimate of {$350.00} with a deposit on my Chase card for {$420.00}. I signed the tablet and went on my way. I returned the car on XX/XX/2021 and assumed all was well. 

On XX/XX/XXXX, I noticed that my card was charged XXXX. - four times the amount of the estimate. I called XXXX that day and was told they would look into it and call me back in two to three days. No call. I called again on XX/XX/XXXX and was told I rented an exotic car and that was the reason for the higher amount. A XXXX XXXX is not an exotic car. 

I then called Chase Member Services and they put a hold on {$1200.00} - the difference between {$1600.00} and the estimate at {$350.00}. They sent me a form to fill out and fax back to them which I did on XX/XX/2021. I also sent a copy through regular mail. 

On XX/XX/XXXX, I called Chase and was told that the documents had arrived and that I would hear from them in 72 hours. I received a letter via the Chase website letting me know that this was being researched. 

On XX/XX/XXXX, I received another letter from Chase stating that my claim is denied. The letter was 24 pages long and contained the final billing from XXXX. I called Chase and was told that I needed to respond by letter to reopen the investigation. 

On XX/XX/XXXX, I emailed and faxed a letter to XXXX and Chase Card Services. I am now awaiting a response.
Product: Student loan

my forbearancea never updated correctly. proper paperwork never received no options were ever given to me to how to handle my situation. i am confused to where my accounts are half the navient accounts say one thing and then others say something else. this should n't be i navient updated all the loans i have with them.at the same time.. which is effecting my payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS AND INQUIRIES ARE NOT MINE .PLEASE BLOCK AND REMOVE THE FOLLOWING ACCOUNTS AND INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

The collection agency is listed on experian as Dynamic Legal Recovery on XXXX  and XXXX they list same debt collections agency yes online inc this is a corporate debt not a personal debt, they know this, they threatened to ruin my credit on the phone. I have asked them to verify debt in us mail several times and they have failed to do so. XXXX will not remove the collections, XXXX will not remove the collections nor XXXX. This deriggatory info on my credit file is damaging to me in which it is not my personal debt they should remove derogatory info immediately i have attached an order form the creditor XXXX XXXX  not XXXX XXXX gave to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I PAID A DEBT I WAS UNAWARE OF TO XXXX XXXX XXXX XXXX FOR XXXX AND THEY REFUSED TO PROVIDE ME WITH A RECEIPT TO FORWARD TO MY SUPERIORS AND REPORTED THIS ON MY CREDIT BEFORE I HAD KOWLEDGE OF IT. THEY SENT RECEIPT TO WRONG EMAIL AND SAID THEY HAVE NO WAY OF GENERATING A NEW ONE. I SPOKE TO SEVERAL PEOPLE AT THIS COMPANY AND THIS IS AFFECTING MY SECURITY CLEARANCE
Product: Credit reporting or other personal consumer reports

They have submitted to the credit bureaus a late payment for XXXX, but my payment is not due until XX/XX/XXXX. Today is XX/XX/XXXX so how could I be late for a date that has not passed yet which has impacted my credit score. Also I have made a payment on XX/XX/XXXX in addition to intentions of making a payment of on XX/XX/XXXX as well.