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

I would like to express my concerns regarding Experian not properly investigating disputes and failing to remove or reinsert errors on my report. I have requested the removal of discrepancies within in my report numerous times and Experian has failed to investigate my claims adequately. There are multiple addresses, phone numbers and accounts that have never been tied to me on my consumer report. The CFPBs findings indicate that Experian was negligent in protecting very sensitive information and its consumers and has also been the reason for many denials with banks, housing and loan companies. Seeing as though my information was also leaked with XXXX back in XXXX, Experian should have been more diligent in handling such sensitive information. This raises serious concerns regarding consumer safety and identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute with Experian via certified mail to update my personal information. I requested the incorrect information be removed due to my fear of identity theft. Requested that incorrect names /addresses be removed. Received my dispute results XX/XX/21. I don't agree with the results, I'm able to provide documentation to support my claims ( identity/ address ). Experian is still reporting incorrect info and refuses to update, I have contacted all my creditors and they have my correct personal info. Its correct on my statements.
Product: Credit reporting or other personal consumer reports

Urgent Demand for Immediate Correction of Inaccurate Reporting Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered my credit report and to my surprise there were unknown, names, addresses, phone numbers and charges on my credit report. This is a form of identity theft. Ive reached out to all three bureaus but no changes have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am writing to formally request a cease and desist of all collection activities initiated by Truist XXXX XXXX XXXX regarding a business credit card debt of {$15000.00} associated with my business account, XXXX XXXX. 
Truist XXXX XXXX XXXX has failed to update my address and other contact information for several months, despite my numerous attempts to notify them of the change. As a result, I have not received any of their communication or the latest information about this debt. The lack of proper notice has led to the matter being transferred to collections, causing undue stress and harm to my business reputation. 

Additionally, I did not have an account with Truist XXXX XXXX XXXX that allowed me to make payments towards this debt. I made numerous attempts to set up an account to facilitate payments, but I was unable to do so due to issues with their system, which does not allow payment processing from parties without an existing account. This has further complicated my ability to address this matter. 
I request that you immediately investigate this matter and direct Truist XXXX XXXX XXXX to cease any further collection efforts until this issue is resolved. Additionally, I ask that the collection agencies refrain from contacting me directly, in writing, by phone, or by any other means and removed from collections until this matter is properly addressed. I am a hard working mother, this matter is stressing me out indescribably. Theyre sending nasty letters and threatening to place a lean on my bank accounts, homes and cars. This is causing me panic attacks, Im hoping this can be resolved for I can not refrain from this horrific matter if not.
Product: Credit card or prepaid card

I signed up for a software subscription for approximately 6 months. I attempted to cancel the subscription and the software company kept charging me. I emailed the company directly to get them to reverse the charges and cancel the subscription without success. 

I filed a dispute with my credit card company. During the dispute period the software company added more charges on my credit card. Capital One allowed these charges to go through despite the fact that they had been informed that the software company was not authorized to withdraw from my account. 

This subscription is {$220.00} per month and had been going on for a year before I escalated to CapitalOne.
Product: Debt collection

XXXX XXXX XXXX in XXXX, TN filed suit to collect a debt allegedly owed to Republic Finance m or about XX/XX/XXXX. I was not served or provided notification of a case or a debt held by the agency. A levy was subsequently laced on XX/XX/XXXX. I have contacted the agency, and advised that no notice was left at my residence, nor was any notice received. The biller has refused to provide a detailed transaction summary, verification of debt, or detailed balance. The original biller, Republic Finance did not provide credit for financed insurance policies, and declined to honor a XXXX XXXX XXXX claim requested in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

EXPERIAN XXXX XXXX XXXX, XXXX, TX XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized account. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( XXXX ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XX/XX/XXXX SSN- XXXX Email- XXXX Phone- XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX Account that need to be removed XXXX XXXX XX/XX/XXXX {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXX XXXX as reporting inaccuracies on my credit profile. I sent Experian 2 disputes in reference to the errors and still are telling me that the account has been verifed. It is showing a {$2000.00} credit limit the high balance is showing {$2600.00} The Recent balance is {$24000.00} as of XX/XX/2019 this information is totally incorrect I need this account to be completely Deleted from me profile/credit immediately
Product: Checking or savings account

Beginning on XX/XX/XXXX, I have been in contact with several individuals working with Fifth Third Bank customer service line at XXXX. The issue involves a money order that was paid in XX/XX/XXXX. All of the individuals that I have spoken with have never resolved the issues related to the money order some of their names include XXXX XXXX, Supervisor at the call center, XXXX XXXX, Personal Banker in XXXX Ohio, XXXX XXXX, Supervisor of the call center. Specifically I went to a a XXXX, Ohio Bank on XX/XX/XXXX, and spoke directly to XXXX XXXX who provided me with false information regarding the price of my bank statements. XXXX XXXX told me that the cost of my statements is 5 a page when it only cost 5 dollars for a statement. XXXX XXXX threatened to call the police on me because I asked for a copy of my statements. Furthermore, I have been informed that XXXX XXXX wrote a note on my account stating that I mentioned filing a lawsuit against the City of XXXX. I never mentioned anything regarding a lawsuit against the City of XXXX and all of the information that XXXX has written on my account is false. She also provided me with false information regarding my account. In addition XXXX XXXX refused to provide me with the name of the individual/company who endorsed a money order on XX/XX/XXXX. I would like to have a fraud investigation because I believe there is fraud going on with my account and I would like the CFPB to oversee the fraud investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

During the repossession of the car the dealer kept the car, then I got a ticket from XXXX because the someone from the dealer drove my car there, and was going at a very high speed in a 25mph max speed, also I got tickets from the tolls, and 3 parking tickets, when the bank called me to ask me for the car I told them it was a repo and to go and get the car at the dealership and they told me that they cant go to the dealership and pick up the car there because its a 3rd party or something like that, so I went back to the dealership after that to go and get the car, but the car wasnt there anymore, so the angent that took my keys was there and I asked him, he told me the bank took the car and if it wasnt the case maybe the city took the car, so he told me to call the city and check for the car, I did and the city didnt have the car, neither the police or sanitation, and then he told me that I had to call the police and make a report saying that it was stolen, witch I did and then when the police arrived they told me that the dealer is responsible for making the report and since XX/XX/2023 that was the day they kept my car, they havent make a report I have been there several times, because no one knows where is the car, and I had explained to them that if someone stole the car and do something wrong im going to be the person responsible for that, but they have been very sketchy about this topic, and I really dont know what to do at this point, I got in contact with a consumer lawyer but its tacking time, the dealer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY , XXXX agents involved in this transaction are XXXX and XXXX, they are the ones that XXXX telling me that they dont want to get involved when they are the responsible for tacking my car and keeping plus driving it without my authorization, I tried several times to get help, but they just refuse to it they have been very irresponsible and unprofessional about all this, they are the 100 % best sellers but the worst when we talk about cleaning their own mess, because they know how everything works the rules and the laws of the process and still took advantage of me knowing that im a beginner of this.
Product: Debt collection

From XXXX, XXXX to XXXX, XXXX I've received several text messages along with letters from WakeField & Associates XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) about the account XXXX they have on file, in which they say that I'm responsible for {$1100.00} owed to them. Ive reached out via phone XXXX to verify account and also sent them a letter via certified mail XXXX requesting a copy of an actual contractual agreement between myself and WakeField & Associates for the said amount owed to them. For the record, no such contract exist between me and said agency
Product: Debt collection

I am a hard working man. I have always managed to take care of my bills/responsibilities. I had a XXXX credit score until Wakefield & Associates placed XXXX unknown collection accounts on my credit. I have not been contacted by this collection agency- I just received an alert that my credit score dropped. I am devastated because I am in the middle of getting financed for another XXXX XXXX XXXX for my business. I am requesting the XXXX unknown debts that were placed on my consumer credit reports without proper verification be removed today. I am further requesting that Wafefield & Associates cease and desist with their collection efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my home loan with XXXX in XX/XX/2020. My loan amount was XXXX. I made my first payment to XXXX on XXXX for the month of XXXX including XXXX extra principal payment. I received a letter from XXXX dated XXXX stating my loan would be transferred to Bank of Hope by ( XXXX XXXX XXXX  ) on XXXX. I later received a letter from Bank of Hope stating that my loan would be transferred to them on XXXX but it was not dated. On XX/XX/2020 Bank of Hope reported my loan as being opened with them on XXXX with an original amount of XXXX and the amount owed on it as of XX/XX/XXXX ( and current ) is XXXX. My credit score dropped 56 points because of this. I have emailed all of my documentation to Bank of Hope showing loan was not transferred yet and my credit report showing the incorrect balance amount and after 3.5 weeks of calling them and emailing them it has still not been fixed and they still say they can't pull up my loan. I can not not make a payment on my loan because they can not find it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a notice of a hard inquiry by Pentagon FCU on XXXX XXXX however I did not authorize this inquiry. I have made no attempts to open an account with them and this is unauthorized. I have tried to contact them several times but I get no where as no one seems to know what is going on.
Product: Checking or savings account

I opened a checking and and saving account with Bank of America located in XXXX XXXX, CA. A XXXX dollar fee was taken out of my saving account. On XX/XX/2019 in the amount of {$430.00} within 72 hours money was taken out of my account. Please note that I made transactions to however I use or spend all the money in my account
Product: Credit reporting or other personal consumer reports

I looked up fair credit reporting act I gave the right to privacy it states a consumer reporting agency can not access report without written instructions. Companies violated my rights because he didn't give access for them to obtain credit report. 15 USC 1681 section 602 A 15 USC 1681 section 604 A. I received alerts Transunion is reporting on my credit report for XXXX  XXXX XXXX ( Bank ) on XX/XX/23 XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Miscellaneous ) XX/XX/2023 that i didn't give authority for anyone to run on his credit.
Product: Credit reporting

I had received a letter from my previous employer about a data breach. I submit a request to Experian to delete addresses on my report as not mine and they would n't. I provided my current bank statement and a utility bill with my current address and asked them to change my current address and delete the previous addresses as they were n't mine and they would n't.. My current address isXXXX XXXX XXXX XXXX following addresses need to be deleted from my address as they are n't mine. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, TransUnion allowed someone to impersonate me over the phone and lift the freeze on my credit. This allowed them to apply for a credit card in my name, despite me already providing all my identity theft information to TransUnion. When I called the same day to check on a dispute I had placed, I discovered that another inquiry had been added to my credit report. I was puzzled as to how this could happen with my credit freeze in place. The representative informed me that the freeze was lifted because someone called in and provided my information. I expressed my confusion, especially since I had a theft report on file. The representative then told me that even with the theft report on file, they had no secure method to verify if the person had my information. I explained that it was a case of identity theft, but they responded by saying that they had no way to add an extra layer of protection to my account. This means that if someone calls in pretending to be me, there is no way to safeguard my account. Transunion did not protect my information they allowed the person acting like me to call in and lift my freeze