23daVinci/CFPB_Complaints huggingface dataset:
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 following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 4. i I do not make this inquiry. 
XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
5. i I do not make this inquiry. 
XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
6. The following personal information is incorrect XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed 7. The following account is not mine XXXX XXXX XXXX XXXXXXXX : XXXX Delete this account. 
8. The following personal information is incorrect XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed 9. The following personal information is incorrect XXXXXXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed 10. The following account is not mine US DEPT ED Account Number : XXXX Delete this account. 
11. The following account is not mine XXXX Account XXXX : XXXX Delete this account. 
12. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

in according with the fair credit reporting act XXXX account XXXX XXXX has violated my rights in according with the fair credit reporting act XXXX account XXXXXXXX XXXX XXXX  has violated my rights in according with the fair credit reporting act XXXX account XXXXXXXX XXXX has violated my rights in according with the fair credit reporting act XXXX  account XXXXXXXX XXXX XXXX XXXX has violated my rights 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 consumers reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote to TransUnion to remove my extended fraud alert. TransUnion will re-add the fraud alert back on my credit report after I had previously removed it on the TransUnion website. This happens every two days of them adding back the fraud alert. Today I noticed that XXXX has reported they they received the fraud alert notification from TransUnion and is now listed back on my XXXX report as well.
Product: Debt collection

Over the past week I have received multiple calls from what appears to be a debt collector named allied interstate. They do not leave a message, they do not identify themselves. I have received no written communication from them. I am not aware of any debt that could be owed to them. I have had no opportunity to dispute whatever they might be calling about. I don't even know if I am the person they are trying to reach.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, Account # XXXX, refuses request for VALIDATION pursuant to 15 USC 1692g Sec. 809 of the FDCPA. In addition, Title 15 USC Chapter 41 Consumer Credit Protection Subchapter V Debt Collection Practices Section 1692 is an act of Congress designed to protect natural persons ( 1692a says that the term consumer means any natural person obligated or allegedly obligated to pay any debt ) from abusive collection agency practices. I have requested them to provide the following : Agreement with you grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims made by the any creditor regarding this account. Any judgement obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this allege debt became payable. Date of original charge off or delinquency. Verification that this debt was assignable or sold to collector. Complete accounting of alleged debt. Commissions for debt collector if collections are successful. They have not provided any requested data.

This was previously and successfully disputed with XXXX and XXXX Credit Bureaus. 

Now they are accessing my Equifax credit bureau without permission through the form of a soft inquiry. I have asked XXXX XXXXXXXX XXXX  XXXX stop all forms of communication with me and obtaining my information about me for any debt purposes through a Affidavit of Truth.
Product: Credit reporting or other personal consumer reports

These companies accessed my credit report without my permission, resulting in damage to my credit and score. Despite contacting TransUnion and being assured that these inquiries would be removed, they still appear on my report. These unauthorized and fraudulent inquiries are causing me significant XXXX, as they may indicate I'm a victim of identity theft, adding unnecessary stress to my life and further impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number has been leak out through this company.
Product: Credit card

XXXX After some issues with my amazon account, I got it unlocked, and found that there is a charge on my amazon store card that is NOT in my orders. 
AMAZON RETAIL XXXX XXXX Posted Amount {$38.00} Charged on Date XX/XX/year> Posted Date XX/XX/year> Reference Number XXXX Details EQUAL PAY 0 % APR - 6 MOS, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Adjustable 180? & 3 SYF : Please dispute this charge, REASON : THIS ORDER DOES NOT APPEAR IN MY AMAZON ACCOUNT AND IS NOT MY ORDER
Product: Credit reporting or other personal consumer reports

My Direct Consolidated Unsubsidized loan for the amount of XXXX that is serviced by XXXX was forgiven on XXXX XXXX,2023. At that time the account was closed and removed from all credit bureaus. It came to my attention that this loan has been reopened and back on my credit report. This has dropped my credit score by XXXX points. I am not able to access my old account on the XXXX website. Contacted XXXX and they confirmed that my loan does have a XXXX balance and is closed. It also shows a XXXX balance on studentaid.gov website. XXXX did not offer to do anything to help have this removed or updated on my credit reports. I have filled disputes with Transunion and XXXX and are still awaiting results. XXXX still shows that this account is closed and XXXX balance. XXXX is falsely reporting this account as open and with a balance of XXXX balance which is inaccurate information.
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 XXXX : 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 : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 XXXX 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 XXXX  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: Credit reporting, credit repair services, 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. Here are the list of items that needs to remove in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$4600.00} XXXX  XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$270.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$41.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$83.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX Balance : {$270.00} XXXX XXXXXXXX Balance : {$910.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$200.00}
Product: Credit reporting or other personal consumer reports

As a consumer who takes pride in maintaining a responsible financial profile, I find it deeply troubling to report that despite submitting comprehensive documentation and police reports to XXXX, XXXX, TransUnion, and XXXX regarding fraudulent accounts on my credit report, as well as over 120 inquiries over the past couple of years, no substantial action has been taken to rectify these issues. This lack of response not only undermines my trust in these credit bureaus but also indicates a flagrant disregard for their duty to protect consumers like myself. Furthermore, their inaction constitutes a clear violation of my rights as a consumer and flies in the face of federal laws and acts established specifically to safeguard consumers from such injustices. It is imperative that these agencies uphold their responsibilities and take immediate and effective measures to rectify these errors, restore the integrity of my credit report, and prevent similar occurrences in the future.
Product: Checking or savings account

In or around XXXX, I had a Chase checking account, the account was closed for suspicious activity when I was helping my mother, who was working cleaning houses in the US deposit her earnings and I would pay her bills ( She did not have legal status at the time ) My account closed and I never followed up with chase but that was the reason they gave me. 
In XXXX, I tried to open a business checking account and was denied, I received no reason. 
In XXXX, I applied for Chase Saphire Preferred credit card and a Chase business credit card, I was approved without problems and for about 75 days I had the credit cards, I paid them on time and kept low to XXXX balances. 
In XX/XX/XXXX, I randomly logged in my account at XXXX and it said all my credit cards were closed. No reason given.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my Equifax report that I do not recognize. I contacted Equifax directly and spoke to a rep named  XXXX  who advised me to file a complaint and once it was received by Equifax my inquiries would be deleted. The inquiries are as follows :   XXXX   XXXX  .  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX .  XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX  t  XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX  .  XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX  &  XXXX  Please remove these inquires immediately
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX has violated my rights 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 ALSO, I am a victim of ID Theft which I can provide a police report to show this account is not mine
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX  : {$29000.00}.
Product: Credit reporting or other personal consumer reports

I have been experiencing continuous and repeated issues accessing my credit report through Equifax over an extended period. Despite numerous attempts, I am repeatedly locked out of my account. Each time this happens, I am required to reset my password. While I have complied with these instructions and reset my password multiple times, the issue persists. 

In response to this problem, I contacted Equifax by phone to seek assistance. The representative instructed me to mail a cover letter along with a copy of my drivers license, Social Security card, and a utility bill for verification purposes. I promptly complied and sent the required documents. Despite following these instructions, I still can not access my credit report. 

I escalated my efforts by filing a dispute through their system. Although I have received notification that the dispute has been marked as completed, I remain unable to view the results or access any additional information due to the ongoing account access issues. This has been an ongoing issue, and Equifax has failed to resolve it in a timely or effective manner. 

Details of Attempts to Resolve : 1. Repeatedly reset my password as instructed by Equifaxs online system.

2. Mailed the required documents for identity verification, as advised by their customer service representative.

3. Filed a dispute regarding my credit report. Although the dispute is marked completed, I can not see the results due to account access issues.

Impact : I am unable to monitor my credit report, which is essential for managing my financial health and addressing potential inaccuracies.

The repeated account issues have caused significant stress, frustration, and wasted time.

Equifaxs failure to provide timely and accurate access to my credit report has impeded my ability to exercise my rights under the Fair Credit Reporting Act ( FCRA ).

Legal Reference : This issue violates provisions under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681g ], which mandates consumer reporting agencies to provide consumers with access to their credit information in a reasonable and timely manner. Equifaxs ongoing failure to address this problem constitutes a significant breach of my rights as a consumer under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2022 I received a letter from Huntington Bank XXXX Ohio XXXX dated XX/XX/2022 saying that my bank account will be closed by the bank on XX/XX/2022. I called XXXX on the same day to asked why was Huntington Bank account was being closed and was given no reason. 
The only item I can determine is that I am being discriminated against by Huntington Bank.
Product: Checking or savings account

I had been getting debited for this subscription I cancelled in the Beginning of XXXX of XXXX, that has been reoccurring. I have filed the same claim every month and cited cancellation of this subscription yet I was still getting charged. I was told by Chase they are closing my account because of the number of claims throughout the year and most of them have been revolving around one subscription that Chase has failed to block from debiting my account. I asked to withdraw my checking account and they told me its on pause for the next 10 days until they close it and will send me mail for my amount. I asked if I can withdraw it once they have closed it and they said they would not let me.
Product: Debt collection

I am currently unemployed, and having difficulty making payments to Navient. I just found out that they have been calling and harrassing my previous employer, for whom I have n't worked for over 2 years. This can not continue.
Product: Vehicle loan or lease

I was tricked into this loan as the primary borrower just to make a sale & the car was stolen and repossessed in XXXX of 2017 with me making pmts I contacted customer service to file a claim and let them know but it was a towing company for Santander researching their repossession policy it clearly stated no pmt for 60days then the vehicle would be repossessed. They ignored my ID theft claim and police report issued to removed this from my credit due to falsifying a signature on the wrong line had me stuck in this loan with high interest rates. Please Remove from my credit. I have disputed this item on my credit numerous of times prior to the class action settlement it has become a financial burden of hinderence for me on getting other loans to better my credit score and history.
Product: Debt collection

Today I was Contacted by XXXX from credit control at XXXX on XXXX/XXXX/15 for the purpose of a debt collection. She Previously called on XXXX/XXXX/15 XXXX and was unable to provide information substantiating a debt she was attempting to collect from XXXX XXXX When we first spoke I informed her that There exsist the possibility that I may be a victim of identity theft. To day when she called I informed I would not provide her with any verification information and to no longer contact me in regards to the matter or I would be forced to contact your agency and execute my rights under the law. I was very adamant and calm when I informed her of my wishes. XXXX informed me that the calls would continue despite my strict instructions that I do not want her to call my residence any more. To paraphrase her words, " it might not be me who calls but someone will call you. ''
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following 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
Product: Credit card or prepaid card

Discover I have filed Multiple disputes with the credit bureaus as well as the CFPB on your company and you still havent deleted the item that I am disputing its the Discover account XXXX I explained to you that the transferring of this debt was missing in which you have yet to fixed I will need for you to delete this account from all credit reporting agencies 2nd violation you are not noting the required noticed of dispute with out this information the account must be remove immediately this is a federal law that you must delete this account for failure to do your job Fcra 611 and They are debt practice and act 806b
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my bankruptcy i submitted all necessary documentation BUT EQUIFAX have not yet to responded the paperwork used to verify this ... First they said in XXXX 2017 this was verified via XXXX XXXX, which could not be mine accurately because my files are suppressed since XXXX of 2017 .... Second they said verified thru federal court BUT per letter submitted the courts VERIFIED THEY DO NOT GIVE INFORMATION TO CREDIT BUREAUS .... THEREFORE THEY HAVE VIOLATED FCRA and not given my investigation PROPER DUE PROCESS