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

XXXX won't remove or Give me method of verification on how they verified the accounts I'm disputing with them as they are only using XXXX not actually providing me documents on what documents were used to verify they accounts if they can't provide me documents this must be deleted 2 XXXX accounts and total card they can't verify something that they are reporting without proof same with XXXX  they have a Barclays card reporting on my report they just provide me proof paper work not just papers saying the accounts has been verified I sent them certified letters asking them for my documents as it is my right as a customer to see how they are verifying these fraudlant accounts
Product: Credit reporting or other personal consumer reports

I am writing to express my continued dissatisfaction and disappointment with the handling of my third attempt to remove fraudulent items from my credit file. Despite my persistent efforts and submission of substantial evidence, the response from your company has been inadequate and fails to address the urgency and severity of the situation. 

Despite providing comprehensive documentation and evidence clearly demonstrating the fraudulent nature of the items in question, the responses I have received thus far have been unsatisfactory and have provided no indication of progress towards resolution. This ongoing lack of accountability and transparency has left me feeling powerless and betrayed by your company 's inability to handle this matter effectively. 

XXXX a thorough and expedited review of my case, with a firm commitment to prioritize its resolution. 
Promptly remove all fraudulent items from my credit file and provide confirmation of their deletion. 
Provide transparent and regular updates on the progress made towards resolving this matter, including specific timelines for action. 
Implement measures to prevent similar incidents from occurring in the future, including a comprehensive review and enhancement of your company 's procedures and protocols for handling fraud-related issues. 
Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse to protect my rights and interests. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX, XXXX and TransUnion has ignored my request to provide me with the documents that their company has on file that was suppose to verify/validate the accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " Promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT WAS DEEMED UNVERIFIABLE AND REMOVED FROM MY CONSUMER REPORT. I PULLED A COPY OF MY REPORT AND NOTICED THE ACCOUNTS BACK LISTED UNDER FCRA 15 USC 1681I ( 2 ) A, I WAS SUPPOSED TO RECEIVE A WRITTEN NOTICE WITHIN XXXX BUSINESS DAY BEFORE REINSERTING ACCOUNTS TO MY PROFILE I DID NOT RECEIVE ANY CORRESPONDENCE VIA MAIL. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B. 

EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB. 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Checking or savings account

Good morning, I have a checking account with Chime bank. On Friday morning XX/XX/XXXX I bought {$30.00} worth of gasoline from an XXXX gas station. If youre not familiar with Texas grocery stores, XXXX is a widespread chain with hundreds of locations throughout Texas. I shop here frequently, and at some of their locations they have gas pumps. I bought {$30.00} gas on XX/XX/XXXX. This legitimate charge is reflected on my payment account. Later that day I noticed a charge at an XXXX XXXX XXXX for {$100.00}, this definitely was not me but sometimes XXXX will put a hold on debit cards for around {$100.00} so I did not think much of it. However the next day another Unauthorized debit went through on my card for {$76.00}. Again this was not me. I contacted XXXX and their customer service agent confirmed my transaction that was legitimate at the gas pump for {$30.00}, and the agent noticed I used my pin number at that location. Then she went into greater detail regarding the unauthorized charges, {$100.00} charge went through at a location nowhere near my home, and a pin number was not used at the gas pump, she also confirmed that the {$87.00} charge went through yet another XXXX location here in XXXX and again no pin number was used at the pump and the location was even farther away from my home. At this time I canceled my card with Chime and requested a new one be sent to me. I have disputed these unauthorized charges with chime bank, however they denied my claim. It is my understanding that I am not legally responsible for unauthorized charges. For me {$200.00} is a lot of money and what they are doing is bad business and illegal. Thank you very much.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft a fraudulent account was opened
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm beyond frustrated. Experian 's fraudulent claims that disputed bankruptcy was legally verified are false and a clear, blatant violation of my rights and the FCRA. 
The following agencies have deleted the legally unverifiable bankruptcy : XXXX, XXXX, XXXX, XXXX XXXX, XXXX and XXXX. Yet, Experian claims that bankruptcy was verified without disclosing who supposedly verified bankruptcy. The FCRA clearly states that a disputed item must be verified with and/or reported by the " original creditor ''. 
I've sent numerous copies of letters from XXXX and the Courthouse in which each entity states they neither report nor verify bankruptcies. Per the FCRA if the original 'creditor ' can not verify a disputed item then the item is to be removed. Therefore, to continue to claim this bankruptcy as verified is fraud and a blatant violation of the FCRA as well as my consumer rights. 

Furthermore, I'm aware that Federal Law prohibits any person 's full social security number from being displayed on XXXX and that using XXXX to " fish '' for information is not a viable or legal form of verification regarding disputes. I am also aware that repeatedly claiming the bankruptcy verified without disclosing the party you're getting the information from is yet another FCRA violation. 

If the bankruptcy is not removed from my credit within 30 days, I intend to seek legal remedies and seek a minimum of {$1000.00} per FCRA violation as compensation for violating my rights as a consumer and for the blatant disregard shown for the law- as is my legal right per the law which Experian has willfully failed to follow. 
I've emailed, sent letters, faxed and called. Each correspondence had proof that Experian is blatantly and willfully disregarding the law.
Product: Credit reporting or other personal consumer reports

I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), XXXX REPORT, CFPB COMPLAINT, XXXX COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.
Product: Vehicle loan or lease

On XX/XX/2023 Volkswagen XXXX XXXX reached out to ask if I would cosign a lease with my sister, I agreed to cosign, however after running my credit they told me I couldn't cosign. InXX/XX/2023 my sister hit a deer and XXXX covered the damages but dropped her as inured because her name wasn't on the lease, it was at this point I realized that Volkswagen XXXX XXXX put the loan in my name only, without my knowledge or consent. Beginning in XX/XX/2023 my sister and i began trying to work with Volkswagen XXXX XXXX to correct their error because i had never agreed to the lease and also because the error they committed led to the car being uninsurable since i never had possession of it and my sister didn't live with me. From XXXX to XXXX we kept trying to work with the dealership to correct the issue but they either couldn't or wouldn't, and we eventually had to turn the car in because no one would insure it.
Product: Debt collection

I have contacted Southwest Credit Systems L.P. in regards to an account listed on my credit reports that I do not recognize. They are reporting to the major credit bureaus on behalf of XXXX. I have asked Southwest Credit Systems L.P. TWICE to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to {$640.00}. 
I have never had an account with XXXX. I have sent them Certified dispute letters stating that if they can not verify this account, they need to remove the account from my credit reports.They have responded with a letter and an account statement saying that they have done an investigation on the account but they still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop.
Product: Payday loan, title loan, or personal loan

There is a collection item from a collection agency called XXXX XXXX XXXX XXXX in the amount of XXXX only on my XXXX credit report. It just started showing up, I have never heard of them and have taken out a payday loan. I tried to dispute it with XXXX and XXXX XXXX, XXXX said they contacted the company and was told it was valid without receiving any type of contract or documentation to verify it, they just took their word. When I contacted XXXX they have no record of the account and told me to file a dispute with XXXX! And XXXX is telling me to contact plaza so I keep getting the run around for a debt that does not belong to me but is hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, Under the penalty of perjury affirm that all forthcoming statements are true. Credit reporting agency, Experian is violating my federally protected rights under the Fair Credit Reporting Act 15 USC 1681 by failing to report a clear and accurate credit report and file on my behalf. My Experian credit file is consumed with inaccurate account payment histories, inaccurate account payment statuses, inaccurate personal information about me such as erroneous names, addresses, phone numbers, and employers. This company is also allowing my rights to be violated pursuant to 15 USC 1692 named the fair debt collection practices act by allowing unauthorized 3rd parties to report inaccurate account information without efficient and fair investigations of the furnished information and by also allowing these predatory unauthorized 3rd parties to access my credit report and file without my consent. This violates my rights to privacy. Experian is a predatory company that is using my personal consumer report and file for their monetary gain since they are paid to report this fraudulent information. I have filed an FTC fraud report against Experian for their predatory practices that need to be stopped immediately!
Product: Debt collection

Someone used my name to XXXX  out a person I wasnt aware of it and Ive been paying on this debt to get it off my report because of failed disputes Ive also sent a letter for the collector A-1 collections to prove that the debt is mine but Ive yet to get a response I will no longer pay this debt because its not fair that I have to pay for something that was put on my credit due to identity theft and as I pay off the debt the company increases the amount each month
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus 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 XXXXXXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX Balance Owed : {$590.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXXXXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$910.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX 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: Vehicle loan or lease

I applied for consumer credit to purchase a vehicle at XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I acquired the vehicle. I received a certified mailing on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX which contained a Notice of Repossession and Sale of Merchandise, Rights of defaulting buyer under The Massachusetts Retail Installment Sales Contract. This said letter was addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX. The letter advised that advised that I was in default under the contract listed above, and due to that default, New City Funding Corp has repossessed the vehicle and will sell it by auction on or after XX/XX/XXXX. 
The letter also included other information such as stated ; a. Name on Account : XXXX XXXX XXXX b. Collateral : XXXX XXXX XXXX XXXX # XXXX XXXX Account # XXXX d. Past Due Payments on your Loan : {$700.00} XXXX Accrued Late Charges : {$10.00} XXXX XXXX Fees : {$370.00} g. Total Amount Due to Redeem : {$1000.00} h. Total Loan Balance Due : {$5700.00} I responded by certified mailing Tracking # : XXXX which was an Affidavit delivered and signed by them XX/XX/XXXX with a demand for property as well as a conditional acceptance of the alleged debt upon validation and proof they were the original creditors and to proof it with records. I never received a response. I sent again a XX/XX/XXXX certified mailing # # : XXXX received by New City Funding and signed for on XX/XX/XXXX advising they had not responded to my affidavit and demand, nor had they returned any of my property and were now in default. I still received no response. I again sent a default and opportunity to cure on XX/XX/XXXX since we had been in COVID and a lot of business were closed. This certified mailing # XXXX was XX/XX/XXXX and was signed for on XX/XX/XXXX and they have since sold the vehicle, and claim I owe the rest which has affected my ability to obtain credit. Then they have reported payments to keep the activity date recent, still report I owe an alleged debt, have never given me credit for which I originally applied as well as charged fees for return, repossessed vehicle without an opportunity to cure or rectify. They have robbed me of my property, my credit, and my ability to obtain additional credit, my time and value.
Product: Debt collection

National Recovery Agency called me and identified themselves as the NRA updating their mailing list for members. Being a member I gave them the information asked for. After that they advised this was a call to collect a debt I asked them who they were again and they responded the NRA National Recovery Agency
Product: Debt collection

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( JPMCB Card Account # XXXX ), has violated several of my rights. 



15 U.S.C 1681 section 602 A Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

XXXX XXXX XXXX claims of owed debt in which I don't know about.
Product: Credit reporting or other personal consumer reports

on XX/XX/2024, I discovered that my credit card account has been compromised, resulting in unauthorized transactions that I did not initiate or authorize. I have already reported this issue to your fraud department in XXXX ( or wherever ) without success. For some reason no one could understand my issue. Apparently, someone changed the phone number and address on my account, which has since been canceled. Apparently I owed XXXXXXXX XXXX? on the card for a recurring charge. I never received the bill because this address had been changed and I was unable to long on to my account because it had been closed. 

Despite this, I was dismayed to learn that a negative report related to this fraud has been sent to XXXX, which has significantly affected my credit report and score. My score dropped XXXX points and therefor will be extremely costly in regards to future loans, etc.
Product: Credit reporting

I have tried multiple times to dispute fraudulent and incorrect information on my report with Experian. Experian claims to never receive the documentation I mail to them, and denies all responsibility for investigating- claiming they need documents. They have started refusing to investigate disputes- which is a violation of my TX state and federal rights as a consumer. I have plenty of documentation to support my identity theft and that these accounts do not belong to me! 

I have called on multiple occasions and spoke with customer service, only to be told they no longer use fax, and to upload the documents online. Yet, Experian has locked me out of the ability to view or dispute information on my report online, and has also locked me out of the online document upload function. 

I am an identity theft victim, and have piles of documents to justify deletion and/or correction on the accounts I have been attempting to dispute. Experian is the only bureau that has repeatedly blocked me or locked me out from being able to dispute. I have not encountered this level of difficulty with ANY OTHER BUREAU! 

Again, I HAVE DOCUMENTATION TO SUPPORT MY DISPUTES. So much so, that even the original creditors have begun sending me letters explaining in detail that accounts had been opened fraudulently! Experian refuses to accept any of it, and claims to continue " losing '' or " not receiving '' my certified letters. If I ca n't reliably send this in my mail, how am i supposed to dispute this?? Experian has locked me out of every available option after I called explaining my trouble with this to customer service!
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

15 U.S.C. 1681s-2 604 ( A ) ( 2 ) states a consumer reporting agency can not furnish your account without my written instructions.