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

I have filed multiple disputes with Equifax concerning an unauthorized hard inquiry ( Comenity bank/XXXX XXXX Acct # XXXX ) and an unauthorized collection account ( XXXX XXXX Acct # XXXX ) {$1100.00} on my credit report. On XX/XX/XXXX, I sent my second round of disputes and the collection came back verified. On XX/XX/XXXX, I sent my third round of disputes and on XX/XX/XXXX, I received partial investigation results from Equifax that the hard inquiry and collection account was verified. This is a lie because on XX/XX/XXXX, XXXX XXXX sent me a letter and also sent a letter to Equifax saying " After review of the XXXX XXXX Reward claim, we have concluded that you are not responsible for the disputed account. '' Also, the letter stated that they submitted a request to Equifax to remove this off my credit report. This is evidence from the creditor stating that the account isn't mine, so how does Equifax continue to say the hard inquiry is verified? That's a lie! Additionally, since Equifax would not remove the collection account off my credit report, I filed a XXXX complaint on XX/XX/XXXX on Concentric Receivables for having an unauthorized account on my Equifax credit report and on XX/XX/XXXX XXXX XXXX responded to the XXXX complaint stating, " We have no record of any disputes or communications with such complaint. However, today we submitted a deletion request to the credit bureau. '' This is evidence that the collection account needs to be deleted immediately. If the creditor has no record of three rounds of disputes, this lets me know that Equifax is not sending my dispute letters to each creditor and just annotating " verified '' on the investigation results when it wasn't verified. This is really starting to irritate me. I am also a victim of the Equifax data breach. This hard inquiry and collection need to be removed from my Equifax credit report today!
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. ( XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX {$2100.00} XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX mortgage account is being shown late XX/XX/XXXX and XX/XX/XXXX. This information is innacurate and untrue. I have asked for several investigations to be conducted all of which were ignored. I have the right to privacy and this information is being shared without my permission. At some point I will have to take legal action if it is not removed immediately. XXXX XXXX Remove XXXX late payments immediately. This information is hurting my future and I will sue for every infraction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of { {$540.00} } with XXXX, Experian and XXXX credit report agencies. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) I requested XXXX XXXX XXXX provide me with validation of the debt and account ( see attached ) ... on several different attempts by USPS Certified Mail/Return Receipt as a bill is NOT validation. ( see attached ) XXXX XXXX XXXX sent a letter to me dated XX/XX/2018 attaching a copy of an old billing statement. I have made several dispute attempts to all 3 credit reporting agencies on ( XX/XX/XXXX,XX/XX/XXXX ) XXXX, ( XX/XX/XXXX,XX/XX/XXXX ) Experian, and ( XX/XX/XXXX,XX/XX/XXXX ) XXXX requesting the validity of the account on my credit report. I repeatedly asked for Validation as well as Verification and even requested the method of verification and Experian credit reporting agency has NOT provided the method. I have given Experian ample time and opportunities to make the appropriate corrections to my credit report and they failed to do so. All reported data must be complete, correct, and proven if challenged, otherwise the account must be removed from my credit report per FAIR CREDIT REPORTING ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of yesterday,XX/XX/XXXX, I was checking my credit reports to keep up to date information about my credit score which I do often. According to my information, my XXXX  score dropped from XXXX to XXXX a 58 point drop in XX/XX/2020. My Equifax dropped 27 points in XXXX and another 27 points in XXXX bringing me from XXXX to XXXX also XXXX. When I checked these sites specifically for changes made to my reports, both Equifax and XXXX  show an increase in balance to my student loans due to interest. These reports came from XXXX who holds my Federal Loans. I am still paying my loans although the President put a freeze on payments and interest months ago and I have paid off one small loan. There is always some issue with XXXX or XXXX XXXX Dept. of Ed. Just for the readers edification, the drop of 58 points in XX/XX/2020, due to XXXX XXXX inaccurate reporting, was a result in a total increase of the following increases in dollar amounts : XXXX has four loans that are mentioned in the increase of ; {$2.00}, {$37.00}, {$37.00}, and {$21.00}, for a whopping total pf {$97.00} dollars. Equifax has the same as the aforementioned plus ; {$10.00}, {$5.00}, {$11.00} for XXXX and XXXX additionally ; {$72.00}, {$72.00}, {$53.00}, {$12.00}, and {$29.00}. XXXX total - {$120.00} and XXXX - {$230.00} and these numbers for XXXX and XXXX are for the same loans with XXXX. This has damaged my credit, and has caused me to be unable to apply for cheaper housing.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 met with a representative from TD Bank by the name of XXXX XXXX XXXX. The purpose of my visit with her was to officially close out my account since it was not closed out during my initial request in XX/XX/2019. Ms. XXXX XXXX informed me that the account had been officially closed including my XXXX  preferences. 

Today, XX/XX/2019, I had some money transferred to me through XXXX and the funds were sent to my TD account that should have been officially closed back in XX/XX/XXXX. 

I spoke with a representative today and they informed me that I was never unsubscribed from XXXX through their bank. And that I would have to wait 7-10 business days for the money to return back to the sender.

I do no have the luxury of waiting 7-10 business days for money that should have never been accepted through TD bank since my account was closed. 

This is not the first time that I am having this exact same situation with TD bank.
Product: Credit reporting or other personal consumer reports

I have provided all XXXX pieces of information and expect these listed accounts to be deleted and blocked within four business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within 4 business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with XXXX hours of this complaint being received. All items listed are fraudulent and inaccurate. In accordance with the Fair Credit Reporting act this information 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. This is in clear violation of my rights. In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This is still on going after years of fighting. I believe my only option left is to take legal action if these items are not removed. Transunion is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with XXXX hours of this complaint being received. All items listed are fraudulent and inaccurate and Transunion is breaking the law. In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. This is in clear violation of my rights. This has caused severe XXXX, hardship as well as severe anxiety to me, as well as my family. It is my consumer right to have unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct removed. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX XXXX on XX/XX/2022 and got no response I also sent letters to Experian on XX/XX/2022 to explain how they verified this account with proof of letters that the account is in another individuals name and not mine. Did not get an answer to how they verified the information. 
Sent letter to XXXX XXXX XXXX on XX/XX/2022 and got no response again. 
Sent letter to Experian again on XX/XX/2022 and got no response from them as well. 
Neither company has provided any documents to me explaining how this account is on my report. No proof and not even one response from creditor.
Product: Credit reporting or other personal consumer reports

RE : Bankruptcy File Number : XXXX Dear Credit Reporting Agency : After reviewing my credit report I noticed that there is a U. S.

Bankruptcy Court items listed on my credit reports.

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the U.S. Bankruptcy Courts. The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 
XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the XXXX S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

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

Describe What Happened : I have recently reencountered an issue where my account with XXXX XXXX XXXX XXXX was restricted based on a report from Early Warning Services ( EWS ). XXXX XXXX informed me that they were not responsible for the restrictions and that the decision was based solely on the report received from EWS.

To address this issue, I contacted EWS. I spoke with a representative who suggested that I reach out to the furnishers of the information ( XXXX XXXX and XXXX XXXX  ) to verify if there were any records of an account balance owed or other derogatory information on file. 

On XX/XX/year>, I contacted XXXX XXXX, providing them with the identifying information, including the account number furnished to EWS and my social security number. Despite multiple inquiries across different departments, XXXX XXXX  could not locate any record associated with the provided information. 

I followed the same process with XXXX XXXX on XX/XX/year>, providing them with the necessary identifying information. Coincidently, XXXX XXXX  also reported having no record associated with the identifying information provided. 

Both institutions directed me to follow the dispute process outlined in the EWS report, based on attempts to validate and verify the furnished account information. Given that neither XXXX XXXX  nor XXXX XXXX  could find any records corresponding to the furnished information, I am disputing the accuracy of this information as published by EWS. 

Key Events : Initial Restriction : Account restrictions imposed by XXXX XXXX XXXX XXXX based on an EWS report. 

Contacting EWS : Reached out to Early Warning Services and was advised to contact the furnishers of the information ( XXXXXXXX XXXX and XXXX XXXX  ). 

Inquiries at XXXX XXXX  : Date : XX/XX/year> XXXX : Provided identifying information to locate the account. 

Result : XXXX XXXX  could not find any records associated with the provided account number or social security number. 

Inquiries at XXXX XXXX  : Date : XX/XX/year> XXXX : Provided identifying information to locate the account. 

Result : XXXX XXXX  could not find any records associated with the provided account number or social security number. 

Dispute Process : XXXX to follow the dispute process listed on the EWS report based on information from the furnishers. 

Actions Taken : Contacted EWS : To understand the basis of the report and receive guidance on resolving the issue. 

XXXX XXXX XXXX  and XXXX XXXX  : To verify if there were any records of an account balance owed or derogatory information on file. 

Initiated Dispute Process : Based on the lack of records found by XXXX XXXX  and XXXX XXXX, I am disputing the validity of the information furnished to EWS. 

Conclusion : Despite my efforts to verify the information with XXXX XXXX  and XXXX XXXX, no records were found to support the information furnished to EWS. I request that Early Warning Services thoroughly investigate this matter and remove the inaccurate information from my consumer report to ensure compliance with consumer protection laws. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX notified me that there was an inquiry on my report where I DID NOT apply for a loan. 

XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made goodwill gesture to allow the agency to correct the erroneous reporting, and I have maintained a careful record of my communications with the agency and now I am filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office due to the non-compliance of the agency. 

I do not agree with the item listed below which still appears on my credit report, even after a so-called Investigation. I would like this item immediately re- investigated. These inaccuracies are highly injurious to my credit rating. I have been turned down for job opportunities and many purchases due to this inaccurate report. 
The following is inaccurate : Company : XXXX XXXX Account Number : XXXX REASONS TO INVESTIGATE AND VALIDATE THE ACCOUNT validation of debt not given as requested, Date opened is incorrect, inaccurate payment dates, I DID NOT provide written permission for this account to be reporting to my credit report, Wrong date of last activity noted, Wrong balance listed, wrong payment dates listed .Wrong date of last activity noted, Wrong balance listed, Wrong credit limit amount listed. 
It is my understanding with MY RIGHTS AND federal consumer laws that they will check these items with the creditor who has posted them and provides documented validation of all reported inaccuracies and validates debt. 

I WANT THIS ACCOUNT AND ALL INACCURATE INFORMATION THAT IS NOT VALIDATED AND DOCUMENTS PROVIDED TO ME REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage in XX/XX/XXXX. My credit report came back showing that I owed XXXX {$150.00} for a landline I had disconnected in XX/XX/XXXX. I knew that this was incorrect information and filed a dispute which was investigated. As a result of the investigation, in information was deemed to be correct, the account was marked as derogatory and caused my credit score to drop about 30 points. This morning I contacted XXXX to attempt to straighten it out. After multiple phone calls, I spoke to someone in the Recovery department. She indicated to me that I have a XXXX   balance with XXXX that was paid in XX/XX/XXXX. I told her I wanted my credit report corrected, to show that I had a XXXX balance and that it was not recent activity. She refused. This may interfere with my quest to obtain a mortgage and I want it corrected as soon as possible. I am very angry that I have FALSE information on my credit report and XXXX won't correct it. This to me constitutes fraud.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against PayPal ( PayPal Holdings , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, PayPal 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Im unaware of these debt I didnt have an opportunity to dispute this information if in fact you believe you gave me proper notification then please send me the certified receipt with my name on it with my signature stating I received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent accounts in my file that are reporting on Equifax Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged THE BUREAUS XXXX, XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Debt collection

I was try to get an apartment however I changed my mind and I come find out they let someone else sign the lease on my name when I found that out I went to the apartment office I demanded them to remove my name from the lease which I didnt sign so they done that after months plus and now the landlord send me to credit now Im unable to get my own place and I also have proof where I went to the office they said I was not going to be responsible for any of that yet they send it to my credit report.