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

This has been an ongoing issue for years. Equifax refuses to release my information. They say that they can not verify my social security number. On XX/XX/XXXX I mailed a certified letter with XXXX that contained ; a cover letter stating what I needed done, a copy of my social security card, and a copy of my Florida Drivers License. They received the letter on XX/XX/XXXX. Certified mail tracking number XXXX. 

I called Equifax on XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX On calls XXXX and XXXX they informed me of the documents I needed. On calls XXXX I was told that it takes 5-10 business days for files to be processed. On calls XXXX, I was told to reach out to the lenders I have borrowed from and verify they report to Equifax. ( Below I have listed the XXXX lenders that I called to confirm if they report. ) On call XXXX I was told that they have not received anything from me. I gave them the certified mail number and asked them to explain why it hasn't been processed after a month, they would not answer. I was then told that because I'm not in their the system they can't do anything. When I asked how I create an account in their system, they said that it would be created as soon as lenders reported my information. I brought up that lenders have been reporting my credit since XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX They confirmed that they report to all 3 credit bureaus with my Social Security number . 

XXXX XXXX XXXX - They confirmed that they report to all 3 credit bureaus with my Social Security number.

Discover Bank - They confirmed that they report to all 3 credit bureaus with my Social Security number. 


Equifax client I was working with gave me their id as XXXX, XXXX XXXX, I
Product: Credit card

In XXXXXXXX XXXX XXXX XXXX, I became involved in an employment scam with a company out of XXXX XXXX called XXXX XXXX XXXX XXXX. As a result of this 'employment ', XXXX XXXX XXXX sent me Bank account information ( bank name, routing number, and account number ) and indicated that they had added me as a cosignee. I was directed to use the automated payment system for my personal credit cards ( USAA, XXXX XXXX XXXXXXXX and XXXX ) and transfer money from the account to my credit cards. I was then directed to make specific purchases of an equivalent amount at a number of different retail locations, take the product to a XXXX XXXX store, where it was shipped to XXXX XXXX. After about a month of this type of activity, I told XXXX XXXX XXXX that I would no longer post any more payments to my credit card as they had nor fulfilled the terms of the employment agreement. Shortly thereafter, I began to receive chargebacks of every single transfer, the oldest of which was 60 days old. I immediately contacted my banks, as well as XXXX, in order to inform them of this fraud. I also called XXXX XXXX, as most of the transfers originated from them. I was eventually able to get in touch with a gentleman named XXXX in their fraud department, who told me that there were several accounts from the same account holder that had been closed due to identity theft, and that an external investigation had already been started. He would give me no further detail. The position that USAA, XXXX, and XXXX XXXX  XXXX took was that I needed to work this out with XXXX, and that as far as they were concerned, I owed them the money. This has left my credit score in shambles, caused me extreme stress, and will likely force me into XXXX. I have kept every email, receipt, and letter involved in this matter and offered it to XXXX and they seemed disinterested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached please find [ 4 ] Form XXXX issued by XXXX wherein they make notice of " Cancellation of Debt ''. Each of the XXXX relates to the following XXXX Credit Card accounts which I have repeatedly disputed. XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. Each dispute was met by XXXX 's claimthat they verified the account as accurate. Recently, I received refund checks from XXXX related to these accounts. I was told XXXX had not handled my disputes properly and had in fact overcharged these accounts on numerous occasions. The XXXX revelations came about due to complaints to Consumer Financial Protection Bureau, a subsequent investigation, and settlement agreement with CFPB wherein certain XXXX members would be reimbursed for XXXX 's errant ways. 

As the attached XXXX will attest, XXXX has abandoned all claim to the referenced accounts and cancelled the debt associated with each. Nonethereless, XXXX, XXXX, Equifax, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and others continue to report innacurate information related to my credit report. 

The continued publication and dissimination of this inaccurate credit information is a manifest injustice. 

Next, I have been unable to " get verified '' by XXXX XXXX, XXXX  or Equifax in order to obtain a code to temporarily lift my credit freeze. TO say I have been led down a primrose path in my multiple attempts is an understatement.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 
Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$11000.00}
Product: Debt collection

Dear CFPB, MADAM/SIR : I received a letter from a debt collector on : XX/XX/year>. I answer the same letter on : XX/XX/year>. Debt collector is asking for, XXXX. Besides the above statement that I already Stated above. I also asked the debt collector, 5 ) the letter they wrote to me to an unknown name is Incorrect. 6 ) I am also disputing this unknown debt, because I DO NOT OWE IT. I also told the debt collector that if I am going to SUING them in the Superior court for, " ABUSIVE, UNFAIR, and DECEPTIVE practices. The debt collector will have to pay all the Court fees involved, plus they will also have to pay me, XXXX and or more for there negligence. AS PER FEDERAL LAWS DICTATE. Furthermore they have an Aggresive debt collection practices, and the debt is not legitimate. I also Stated to the debt collector to : " PLEASE CEASE AND DESIST ALL CALLS AND CONTACT WITH ME IMMEDIATELY. '' However they could contact my attorneys if need it. Debt collector is braking, ( FDCPA )... Thank you. Respectfully yours. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my letter on XX/XX/2020 and today is XX/XX/XXXX, its been 32 days per the Fair Credit Reporting Act, you have 30 days to validate the inaccurate debts or remove these accounts. Please remove these accounts immediately. 

I have included a copy of the letter that I mailed to you certified on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter regarding inaccurate things on my credit report but I until this day over 30 days already, I still got no response. I was told that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by XXXX  data breach and may got into hands of the wrong person and its your obligation to fix all these errors that should not have been there in the first place.
Product: Credit card or prepaid card

My complaint is a about bank of America they clearly trying to DISCRIMINATE against me... So my card was stolen somehow I never received a card someone stole thousands of dollars from..So I filed 4 CLAIMS through BofA to replace the money I lost, I had a claim for over XXXX dollars another one for over XXXX dollars another over XXXX dollars and the last one was only for XXXX dollars ... Bank of America DENIED 3 of the 4 CLAIMS..THEY approved the claim that had the least money but all the transactions were from the same card that was stolen..
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, XXXX, Ford Motor Credit Company, account number XXXX XXXX XXXX, XXXX, NE XXXX. 

My account was charged off for {$12000.00}, but my credit report is stating the full amount {$20000.00}. I opened the account on XX/XX/2015.
Product: Checking or savings account

I called New York Community Bank several times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to get XXXX tax form. I gave the bank stated above my account number name, ss #, address and they said they could not give me any information about my CD. I figured out it matured in XXXX of XXXX but I never received a check for CD amount. It was a large CD at least XXXX in the account. I have several CDs and never receive information in the mail regarding my account. I think the money was turned in to the government and New York Community Bank will not get to the bottom of this. They put me on hold and told me to call WI Dept. of Revenue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
Product: Student loan

Navient, has never offered any solution into lowering my student loans currently totaling more than XXXX dollars making impossible payments with no forbearabce option, no income driven ( currently unemployed ) and putting payments to their convenience. As i was trying not to affect my cosigner they would apply payments to higher interest payments and would deny in the past the possibility of a cosigner release even when i had all the requirements. The amounts do n't go any lower and my work condition worsens as i studied in a for profit XXXX XXXX which also cheated on my expectations for my future. Basically ruined my future
Product: Vehicle loan or lease

I tried to cancel my gap insurance and the dealership was sold without any notices with a balance being owed to me. After the cancellation from XXXX XXXX XXXX XXXX gap coverage. I have emailed the old owners and the current owners of the dealerships with no result of resolving the balance owed. There is a charge for XXXX for a paint warranty XXXX for gap coverage that should be refunded seeing as I traded the vehicle on XX/XX/2018 XX/XX/2018
Product: Debt collection

This situation has become unbearable. I was blindsided by a debt on my credit report that I do not recognize and never authorized. Since then, I have been subjected to relentless harassment, including threats of legal action. This is not only unfair but a clear violation of my consumer rights. It has affected my peace of mind and well-being.
Product: Consumer Loan

I was a victim of fraudulent activity on the account. An investigation was started and concluded it was fraudulent activity. ( See enclosed documentation. ) Now all XXXX reporting agencies have a negative item from Elan Financial Services ( XXXX XXXX XXXX XXXX, PA XXXX ) stating I was 30 days past due in XXXX 2015. As you can see on the documentation, the investigation was concluded in XXXX. I have spent over two hours on hold and have spoken with XXXX people trying to rectify this situation, but to no avail. 
I also contacted the XXXX reporting agencies regarding this and Elan informed them that the 30 day late judgment is accurate. How could that be correct when I was found to be a victim of fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit report has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. The items I am disputing do not have any affiliation with me, I Included the aforementioned items in my prior complaint, and despite the numerous attempts to file a complaint against the items they still remain on my credit report Please block/remove these items : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX Date of Inquiry : XXXX
Product: Credit reporting or other personal consumer reports

TransUnion File # XXXX Credit Report Date XXXX XX/XX/XXXX I sent dispute to TransUnion regarding Credit Report File # XXXX Dated XXXX XX/XX/XXXX that they are reporting inaccurate information and under the laws and guidelines of the Fair Credit Reporting Act ( FCRA ) that this inaccurate and false information on my credit report needed to be permanately removed from Credit report. 

1st Dispute : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) Act # XXXX. This item was to be removed from my Credit report on XX/XX/XXXX. 

2nd Dispute : XXXX XXXX - Act # XXXX. This item was to be removed from my Credit report on XX/XX/XXXX. 

3rd Dispute : XXXX XXXX - XXXX # XXXX. This item was to be removed from my Credit report on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

there are fraudulent inquiries on my credit reports ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Back in XXXX XXXX, 2015, I applied online for American Express Business Gold Rewards card ( ref : XXXX ). Back then Amex was offering XXXX membership rewards points as a sign up bonus. My application said it needs to be reviewed, so I called Amex to speak with a credit analyst who approved the application. I checked several times with Amex representative to make sure that the sign up bonus was correct ( XXXX ) and Amex representative confirmed it. However, when I met the required spending Amex only awarded XXXX points claiming that that was the sign up bonus on my application. Multiple calls to Amex failed to make any progress. I asked to pull conversation tapes from approval call, but Amex claims they ca n't locate the tapes. I also provided Amex the screenshot of the offer I originally applied online. 

The difference of XXXX points can be valued at $ XXXX-XXXX depending on point valuation applied, so it 's quite a lot. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/, letting them know I am a victim of identity theft and that an account was opened in my name. I went on to ask them to validate the account and remove it if they couldn't. 

I sent the second letter to them on XX/XX/, letting them know that I know they have 30 days to verify the disputed account and that I haven't heard from them yet. 

I sent the third letter to them on XX/XX/, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. This included a police report on the identity theft. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I sent the 4th letter on XX/XX/, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I informed them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. This also included a police report on the identity theft. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.
Product: Debt collection

My move out date from my old apartment was XX/XX/2022, I got a notification on my credit dated XX/XX/2022 about a collection on my account that I was not notified about. Not only that, they are trying to collect the wrong amount. They are trying to collect double. The amount shouldve been {$510.00}, theyre are trying to charge {$1100.00}. I have tried to communicate this with the apartment complex who told me it was out of their hands. I also tried to communicate this with the original debt collector, who Im having a hard time reaching and am also getting the run around. I have personally done research about this collections company, and have learned that a lot of people are a victim to these unfair practices. Please help us. I have proof to back all of this up.
Product: Debt collection

Due to a mail sorting issue i received a letter from Gold Key Credit Inc. Much later then i was suppose to. I called them om XX/XX/XXXX to get more information. I then faxed over my insurance information that will cover the bill. A few weeks later a received another call demanding immediate payment or they will place this on my credit report. I advised them that i have insurance and i faxed all the documents. I was told that they were missing information. I then called back later that day and provided them with the missing info. The rep indicated that since its will be in pending status it will not be on my credit report unless my claim is denied. I also asked for them to provide proof that i owe this money. A few weeks later i saw this on my credit report. I called and asked why and to have this removed since i was cooperating and I asked for proof again. I was denied the right to speak to a supervisor and was told that one will get back to me in 24-48. The rep i spoke to was new and stated that he cant give me all the information. After 48 hours i did not receive a call. I called them again and made the same request. I also happened to get the same rep as last time. I advised him that i want to dispute and i want to speak to his supervisor. He told me that he will call me back in 24 hrs. I argued that he failed to do that last time but he still would not put me on.
Product: Debt collection

I am writing to report a fraudulent XXXXXXXX XXXX  account that has been opened in my name, without my authorization or knowledge. I have recently discovered a cable bill associated with this account, which details services I did not sign up for at my address. 

Please contact me at XXXX to discuss this issue further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters to Equifax & XXXX regarding a Bankruptcy that's showing on my credit report. I've asked them to provide me with proof on how they did their investigation and how they came up with verified results. On my credit report they state that "public record items Equifax obtained from the local, state, and federal courts through a third party vendor, XXXX. I don't see how they can have anything on my credit report from a "third party". Also, I recently received a response from Equifax dated XX/XX/XXXX stating they once again verified a Bankruptcy after I sent them another letter on XX/XX/XXXX. ALL of this seems that they are committing fraud by giving false information. I say this because, 1. I contacted the United States Bankruptcy Court and received a letter stating that they DO NOT report any information to any credit bureau. 2. I've had a freeze on my XXXX account since XX/XX/XXXX. SO HOW is it that Equifax and XXXX said they verified this information with XXXX since after XX/XX/XXXX??? I find that the lies and these practices are illegal and I'm suffering from the credit bureaus not following the law.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on our ongoing efforts to remove the fraudulent items from my credit report. Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. As we enter the fourth attempt to address this matter, it is crucial to emphasize the urgency and importance of rectifying these discrepancies promptly. The presence of fraudulent items not only undermines my financial credibility but also poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. With this, I am asking for your assistance to remove the fraudulent 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
Product: Credit reporting or other personal consumer reports

I am a victim of debt bondage, a form of human trafficking where I was forced to incur debts under coercive conditions. This has resulted in multiple derogatory accounts on my credit report. I am currently working with a representative from the XXXX XXXX, an organization dedicated to assisting survivors of human trafficking. We are utilizing the protections provided under Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove adverse information stemming from trafficking experiences when an official claim is submitted
Product: Credit reporting or other personal consumer reports

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached
Product: Credit reporting

According to XXXX, a bill has been sent for collection, The bill was for an XXXX service that I never asked for, received, or paid. The case ( XXXX ) was filed with the Court Clerk, XXXX XXXX County, IL XXXX and dismissed for lack of evidence. A copy of the court transcript if attached. This bill never seems to die. It bounces from one collection agency to another even though the case is closed. My XXXX dropped almost XXXX points recently because this false bill was sold to another collection agency. I 'd like the error fixed once and for all.
Product: Credit reporting or other personal consumer reports

The following inquiries were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have no knowledge of these inquiries. Someone has stolen my identity Accounts Affected by the Crime Fraudulent Auto Loan or Lease Company or Organization : There are multiple inquiries on my credit report XX/XX/XXXX XX/XX/XXXX {$0.00} Date fraud began : Date that I discovered it : Total fraudulent amount : Fraudulent Information on Credit Reports Credit Inquiries XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX