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

all reporting bureaus have 4 days to fix and remove items linked to identity theft and it has been 10 days and XXXX and Experian are in violation by no responding to my aler and request
Product: Credit reporting or other personal consumer reports

Request of deep investigation according to my credit records XXXX XXXX, anXXXX XXXX XXXX XXXXXXXX, account are incorrect in amount, type of debt and liability, this account should be remove immediately from my public record since they are affecting my credit development and opportunities of growing. 
I also see some enquiries not made by me and I would like to be review and remove if there is not attach to my person and the enquiries I will mention : XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Automobile Dealers, New XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Finance Companies - non specific I didn't summit this enquiries and I will need all of them to be removed from my public record, I also have no found record with XXXX XXXX and XXXX XXXX XXXXXXXX with this being said I also need this mark off my records according to the ( FCRA ), also I need a copy of the outcome for this investigation
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. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

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

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

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

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

9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

XXXX1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account. 

12. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXXXXXX Account Number : XXXX Delete this account. 

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

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

15. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

16. 15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

17. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card

I 100 % always pay off my credit card every month. After years and over XXXX spend with them I find out they closed my account. This was a huge shock to me bc I run my small business with this card. I have never been late, if I was its bc the bank was closed on my pay date so I pay the very next day, the full balance every time. I didnt get any warning or anything that my account would be closed. I was trying to put gas in my work vehicle when it was declined. I logged into my account and to my surprise, it said it was closed. I called the service line on the card and they said it had nothing to do with this account and it was closed due to a previous account. I never in my life had a chase account other than the XXXX XXXX card we are talking about now. She couldnt give me anymore info other than that it was in XXXX and XXXX. This is impossible bc I check my credit score quite regularly and it shows my accounts I have. This was 100 % made up and a breach of contract. Again Ive never had an account with chase! I have banked with XXXX XXXX XXXXXXXX since I was a minor. Both personal and business.
Product: Debt collection

Jefferson Capital Systems LLC Purchased debt from XXXX XX/XX/2020 Without my consent or wet signature on a contract between us
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was never my credit consolidation student loan servicer. I never selected XXXX. I only asked questions about XXXX. XXXX was my selected loan servicer. However XXXX, started reporting as if I selected them and I never did. XXXX never billed me but never removed reporting on my credit report, now I have duplicate closed accounts because XXXX reported my account as closed which is not accurate. I merely made an inquiry about their services, I never asked them to be my servicer. They had no right to start reporting on me and then have to close my accounts. Closed accounts have a negative impact on my credit score. XXXX should be completely removed from all my credit reports. They agreed to do it but never did remove themselves from my credit reports.
Product: Debt collection

This had been paid off however I contacted them because its showing negative with XXXX amount owed.
Product: Credit reporting or other personal consumer reports

Dear XXXX, On XX/XX/XXXX I submitted a request for investigation under FCRA 611 ( a ) to XXXX regarding the following accounts on my credit report : XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In response, I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as XXXX has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that I cant even get a credit card or a loan in my name. Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that XXXX delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation. I am requesting that XXXX provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract. I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of XXXX. Please note that I intend to pursue legal action if this matter is not resolved. I would like to remind you of Dixon-Rollins v. XXXX  Information Solutions , inc. ( 2010 ) and Miller v. Equifax Information Services LLC ( 2013 ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that XXXX will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. Best regards, XXXX XXXX
Product: Debt collection

My identity was compromised. As a result I have been a victim of ID theft. There was vehicle purchased totally on line, delivered to an address in a state I don't live in nor have never lived in. It did not match my Drivers license or any info given to this online lender. They are the ones who told me this on the phone. They have taken possession of the vehicle, sold it at auction and have reported this on my credit bureau with XXXX XXXX. I have submitted all the required Information they requested to have this removed and they still havent done anything other than try to collect on an account they know they should never have opened none of the information matched me or my credit file. AS a result they are victimizing me all over. I am in the process of obtaining my first home loan. The mortgage company can not give ma a loan even with PERFECT credit expect for this one open charge off. I have told them this and nothing is being done.
Product: Checking or savings account

I maintain a deposit relationship at Wells Fargo bank, and one of the products I use is their online bill pay service. Ive had problems in the past with my payments being delivered on time, but this problem has gotten worse over the last two months. Last month my auto payment was late and took over 15 days to deliver to the bank where the loan was held. This month both of my auto payments are now late again, with one being processed 21 days ago on the XXXX of XXXX and has still yet to arrive to the bank where my loan is held. This has cost me a total of three late charges now.
Product: Credit card

I am kindly requesting Complaint XXXX be reopened and addressed as it appears Goldman Sachs did not understand my complaint based on lack of resolution in their response. The statements DO NOT provide customers with what their balance is before and after each transaction. I have statements and exports of transactions to prove this. 

The statement details all purchases made, the date of the purchase and the amount of the purchase. The statement does include the current balance and previous month balance. Goldman Sachs nor XXXX  is supplying their customers with what their balance is BEFORE AND AFTER EACH transaction on the statement. There is no historical account of what my balance was before or after each transaction. I have spoken in length on the phone with Goldmann Sachs and was told by three separate employees that this is not available information.

This is an Apple Credit Card issue - XXXX  and Goldman Sachs their banking entity are not providing their customers with their balance information before and after transactions/payments nor in their statements or App interface. They ONLY provide the CURRENT balance and what the balance was at the beginning of the month. There is no bookkeeping of historical balances throughout the month or on any previous statements. The only thing the statement offers is a list of transactions. I was told by 2 specialists via chat and Manager XXXX  via phone that this is not something Goldman Sachs offers. By federal law a bank is legally required to provide you with a bank statement that details your account activity, including a breakdown of transactions, which is essentially a " statement breakdown '' ; this is particularly true if your account involved any electronic fund transfers ( EFTs ) during the statement period. This is poor bookkeeping and a legally immoral practice of both Goldman Sachs and XXXX  , Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a situation with  XXXX   XXXX . They are reporting a negative home equity line of credit account to the credit bureaus of  XXXX  and Experian. It is past the seven years that this item should stay on the reports and it should now be removed, however, they are incorrectly reporting it for a much longer period of time.     There has been very strange activity with this  XXXX   XXXX  account on the credit bureau reports. I am disputing items and requesting written documentation from  XXXX   XXXX  documenting payments made from  XXXX  to  XXXX  as well as multiple consistent 120 day late entries from  XXXX  to  XXXX . I have made absolutely none of these payments! Actual pictures of the check or money order used to make the payments are being requested. It would seem as if the account was re-aged consistently over several years from  XXXX  to  XXXX . If, in fact, this was the activity being performed then it was without my involvement and consent and why I have brought up the matter with the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX  XXXX XXXX/XXXX/2023 ( Original Creditor : ) XXXX Balance : {$73.00} ( Original Creditor : ) XXXX Balance : {$91.00}
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken.To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report. 
2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

US Bank credit card with zero percent offer balance & purchases. Although the purchases are being paid off monthly, the bank still charges an interest charge because there is another balance on the card ( at zero interest ). contacted the bank every month it occurs however the reps just reverse the fee and tell me to call again when that occurs instead of working on fixing the issue. Payments must go to higher interest balances first so paying off the purchases before the due date should not cause any interest charges.
Product: Checking or savings account

I made three deposits, XXXX, XX/XX/2018, XXXX, XXXX, XXXX, XXXX. Well Them I paid my rent, which included some back rent, then paid the rent for XXXX. All totaling about {$1900.00}. The checks bounced and when I checked, there was a verification hold on my account. I called the number, several times, only to be sent to a voicemail. I tried other ways, but always got sent back to the voice mail. It said they would call me back. They never did. Now I'm in danger of being evicted.
Product: Credit reporting, credit repair services, or other personal consumer reports

i just recieved my credit report and noticed authorized items that shouldnt be reporting to experian business
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card from XXXX XXXX on XX/XX/2019, Reference number XXXX. 
I received a letter dated XX/XX/2019 from XXXX XXXX XXXX stating that my application has been denied for reasons such as no having enough credit references, etc. 
They provide a phone number that I can get a free report. I call the number but after entering my information it says I do not have a recent denial of credit. 
I have an excellent credit and my credit score is about as high as it can be. This is not the first time I am applying for XXXX XXXX credit card and be denied while having excellent credit. 

I called the XXXX XXXX XXXX located at the address of this letter : XXXX XXXX XXXX XXXX, XXXX, NC XXXX but their system does not allow me to talk to a human. Also I called the credit agency Experian at XXXX and they do not give me any option to report this issue. 
I need help. 

Thanks
Product: Credit card or prepaid card

I opened these accounts in XXXX and was doing well with them, then Covid-19 hit causing financial destruction for my family. During the Pandemic of XXXX, I had XXXX and I had to be off work without any pay, and the only way I could feed my family was to charge food and utilities on my AMEX Card and XXXX XXXX. Since that time, I have not been able to bounce back to pay those card up or off. Now I am off work with an illness and the bills keep coming as I have not worked since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several years I have been disputing a bankruptcy only this credit company is reporting on my file. As of XX/XX/XXXX I opened an investigation with XXXX XXXX as to why, according to Experian, they are reporting a bankruptcy on my file. I provided XXXX XXXX and Experian a letter from the clerk of court which states they DO NOT report to credit bureaus or third parties. As a result of this letter, XXXX XXXX concluded the dispute and removed the bankruptcy from my file. However, Experian continues to refuse removal stating XXXX XXXX is verifying this information. Attached you will find the letter sent to me by XXXX XXXX stating this has been removed as of XX/XX/XXXX. How is Experian saying they are preforming an investigation and verifying with XXXX XXXX. Furthermore, I have called several times and have been treated very poorly by the Experian staff. Every time I ask for a supervisor the representatives get upset and say they I can not talk to a supervisor because they are in meetings and say they can schedule a call back, this of course never takes place. Not once has a supervisor from Experian ever contacted me about my concerns. Also, when I try to explain the errors on my report and ask for this to be remove they state they can not make manual changes to any report. I have have to wait for the investigation to be over in 30 days. These conversations have taken place in XXXX when I opened over 3 disputes for the bankruptcy as well as in XXXX. The names of these employees are XXXX, XXXX, XXXX, XXXX, XXXX and they all have very heavy Spanish accents of which is difficult to hold a conversation with any of them. My dispute with Experian were ongoing while in dispute with XXXX XXXX. The denied all my disputes stating they verifying it was accurate on XX/XX/XXXX, XXXX, XX/XX/XXXX. I opened another dispute again on XX/XX/XXXX. I uploaded both documents to Experian.
Product: Checking or savings account

This bank is horrible Im loyal and they charged my account stop Oayment fees ans dont want to reimburse me when I had called they never told me they would charge me those fees and then they refuse to credit me back my money and the non sufficient funds fees as a courtesy
Product: Credit reporting or other personal consumer reports

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. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries 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 or other personal consumer reports

Car loan Mature Date was XX/XX/XXXX. However it is being reported that there was a missed payment on XX/XX/XXXX. XXXX is inaccurately reporting this information. In XX/XX/XXXX there was no late payment. I am requesting this to be removed. I have also spoke to XXXX XXXX ( Bank ) and they also acknowledge there is NO late payment in XX/XX/XXXX.
Product: Debt or credit management

Contacted the company Affirm about a fraudulent loan that I was charged with on XX/XX/XXXX and they have been of little help. They are always telling me to go back to the merchant even though the merchant is no longer responsive. They need to take matters into their own hands
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I just figured out recently that I have item in my credit report that is completely not mine. I believe I become a victim of identity theft someone took my personal information and filed this account. I got crazy to see it suddenly appeared. Look I want you to help me because its not fair and I am not connected to this transaction or charges or whatever! I am getting married soon and I need to have good score and good picture for family plans, thank you for understanding and I hope you will help me and remove this item as soon as possible. 
XXXX  In case of questions please contact me directly )