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

I sent Equifax a second letter disputing accounts on my credit report XXXX XXXX, 2017 and requested That they remove all unvalidated accounts from my credit report. I received no documents showing what they used to verify these accounts. Equifax has not or can not verify any of these accounts and has not returned any documentation within the 30 days from the time they received the certified letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian placed a fraud alert on my credit report without documentation. Experian is now requiring that I send a copy of my personal protected information in order to have the fraud alert removed. To date, Experian does not nor have they ever had an official copy of my driver 's license or social security card yet they have been reporting my credit history for over 30 years. I find that Experian is using the fraud alert as an attempt to gain access to my personal protected information to have on file for their use when I may submit a dispute against a creditor.
Product: Debt collection

They overcharged me with team toon fee by XXXX dollars and the fee was paid each time they sent it a total of five tranctiona were paid for and they were the incorrect amount each time they originally corrected the amount but have taken it back and now are collecting a wrong amount.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX Has violated my rights. 

Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), States, my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Per 15 USC 1681 Section 602 A. States that I have the right to privacy Per 15 USC 1681 Section 604 A. Section 2, States, a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$32000.00} Late/Open
Product: Credit card or prepaid card

ON XX/XX/2022 A CHARGE OF XXXX APPEARED ON MY CREDIT CARD ENDING IN XXXX THRU TD BANK XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX  IN XXXX XXXX XXXX MILES AWAY. SINCE I WAS NEVER THERE AND SPENT THE ENTIER DAY AND NIGHT IN XXXX WITH FRIENDS AND MY WIFE I REPORTED THE CHARGE TO TD BANK AND ALSO POINTED OUT TO THEM THAT I HAD USED MY DEBIT CARD 4 TIMES FROM XXXX TO XXXX PM IN STORES IN XXXX AND NEVER LEFT TOWN. PLUS THE CARD IN QUESTION WAS IN MY WALLET THE WHOLE TIME AND THE ONLY TIME I USED IT WAS VALINTINES NIGHT. THEY REMOVED THE CHARGE AND THEN PUT THE CHARGE BACK ON 2 WEEKS LATER STAITING THAT THEY HAD A LOT OF EVIDENCE THAT I WAS THERE. THRU THE TD BANK MANAGER WE REQUESTED TO SEE THE EVIDENCE AND THEY SAID WE WOULD HAVE IT IN 10 DAYS. I HAVE BACK TO THE BANK EVERY 3 WEEKS SINCE AND THE CREDIT CARD COMPANY CONTINUES TO SAY THEY HAVE THE EVIDENCE AND WILL SEND IT IN 10 DAYS. THIS HAS GONE ON FOR6 MONTHS. I HAVE NEVER BEEN TO XXXX  IN XXXX. NO EVIDENCE HAS BEEN GIVEN
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened this XXXX account many years ago. I paid it off when I moved overseas. While living overseas `I was a victim of identity theft. I made several attempts to contact this company while overseas but to no avail. I even ended up paying most of the outstanding balance which was not my collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This Is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You must follow proper procedures it these claims are in your system and to be used in my credit reports challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified Information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. Below is a summary of the data in which I am challenging XXXXXXXX XXXX XXXXXXXX XXXX {$2000.00}. THE FOLLOWING CREDIT INQUIRIES NEED TO BE INVESTIGATED AS WELL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. 
INCLUDING THE FOLLOWING INQUIRIES XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX AND XXXX XXXX XX/XX/XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX XXXX XXXX XXXX  XXXX AND XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THIS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT BEEN RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Checking or savings account

On XX/XX/XXXX, XXXX I received a call from regions to dispute some fraudulent charges that were supposedly happening on my personal account- what i didn't know was that this was a very organized and planned cyber attack on me. These people knew everything about me- they hacked into my regions online banking and had access to it all- i was unaware until later that evening. They had fraudulently set up XXXX wire transfers from my business account totaling XXXX $!!! Never in my life have I ever wired money out of any of my accounts with Regions!! This was a blatant act of fraud on the deepest level and I have been a loyal customer for XXXX  years. I was duped, possibly an inside job, I don't know but they hacked my email as well- I called regions and soon figured out what had happened- I told them to stop the transfer that it was unauthorized but they said they couldn't because it was pending. that I had to go file a fraud complaint with an open branch- so I did that on XXXX  XXXX. The fraud department received this on XXXX  morning because they are closed on the weekends. I told them what happened sent them all the info that I had on my phone. They returned XXXX of my money about XXXX days later but will not return the other XXXX. On XXXX I received a letter saying that they would not return my money. This is unacceptable!! I have been in business for XXXX  years and been saving this money just to have it gone in a flash - all my hard XXXX XXXX XXXX asking you to make regions make this right... please!!
Product: Debt collection

I keep getting calls on my cell phone for someone named XXXX. I nor any member of my family is named XXXX. I nor any member of my family have ever done business with Republic Finance Company. I have repeatedly told them this and told them to stop calling me.
Product: Credit card or prepaid card

On XX/XX/XXXX, my wife went online and used my credit card to enroll our kids in a swimming school called XXXX in XXXX XXXX, CA. She paid {$230.00}. The next day, on XX/XX/XXXX, she decided to enroll them in a different swimming facility so she used the XXXX chat system to unenroll them and get a refund. She was told via chat that they would unenroll our kids, but that the charges might have gone through and they would contact the elk grove location about getting a refund. The school and the franchise both have the same policy about getting a full refund if we canceled within XXXX hours. XXXX called my wife and she was told that the owner would not give us a refund and that she would only be given credit because our kids took up a spot that could have been reserved for someone else. However, they had immediately withdrawn our kids from the classes and those spots were filled. They admitted that was a mistake on their part, but they would still not give us our money. She tried working with them for about a week, but they would not return the money. There are no chat transcripts and she did not record the calls. She decided to call citi, with my permission, to dispute the charge. She called multiple times and provided screenshots of the policy. They did reverse the charge at XXXX point but then decided to charge my wife again and agreed with the merchant. She was really confused on why they had agreed with them ; the citi representative had even told my wife that the merchant had told citi that she had canceled the next day and that would be more proof that she followed the policy. Another representative said that my wife should have written an email saying that we didn't want the credit even though it wasn't made clear at all that she had to do that. Why would we dispute it if we wanted the credit? They eventually kept " opening '' and refusing the refund until they said it was " too late '' to do anything even though my wife contacted them a week after it had occurred. The representatives even said themselves that my wife should get the refund. My wife and I have no problem/give permission to let citi release the recordings of all our phonecalls. My wife has not stepped foot in the safesplash facility ( she hasn't even seen it in person ) so this place has taken off with our money. There are several complaints on this company about their billing practices and that they charge people without letting them know and refusing refunds. We just want them to follow their policy. If their policy had stated from the beginning that there was no refund, we would have had no problem.
Product: Credit reporting or other personal consumer reports

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 a account without my written instructions. Moreover Pursuant 18 USC 8 I DO NOT OWE ANY DEBT TO THESE COMPANYS is violating my consumer rights. Lastly, The credit bureaus are reporting two of the same account negatively XXXX XXXX  XXXX XXXX XXXX XXXX investments. 

XXXX account XXXX XXXX-Account number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-account XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX-account number-XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX-account number- XXXX XXXX XXXX XXXX XXXX-account number-XXXX XXXX-account number-XXXX  Inquiries XXXX XXXX XXXX XXXXXXXX XX/XX/21 XXXX
Product: Debt collection

We continue to receive letters regarding an account that's not listed on our credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is violating the law by not removing two fraudulent inquiries they are reporting in my credit files. 

Experian has had proper notice and proper documentation in this complaint that includes an identity theft account and police report even after several days of reporting this complaint to Experian. 

Experian has record that I have provided an identity theft report and police report outlining these two specific fraud inquiry issues and you will see required documentation to order these unknown and non consensual inquiries in the following two false inquiries. 

XXXX. XXXX XXXX XXXX XXXX XXXX stands for XXXX XXXX XXXX according to the Attorney Generals Office and could be precariously posted as XXXX as reported in the identity report I am sure they accidentally overlooked it and I agree not to sue, please remove these two inquiries, thank you see attached. XXXX. XXXX failure to remove a XXXX XXXX XXXX, an identity theft account after providing the proper documents. ( XXXX XXXX XXXX XXXX And, XXXX. XXXX still has not removed inquiries ( XXXX ) from my credit file that was provided to them in an identity theft report and police report ( XXXX inquiry )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX Balance : {$0.00} XXXX OF XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Checking or savings account

Unauthorized payments were taken from my Chase checking account from the merchant XXXX in the amounts of {$1500.00} USD and {$1800.00} USD on XX/XX/2024. Chase issued a new card on XX/XX/2024 and informed that I would receive a credit within hours but I never received the credit and was told that because inconsistent information was entered on Chases behalf. I asked Chase to refile the claim and did not receive help with this request. Im highly sadden that Chase would allow this and not fix the issue
Product: Debt collection

I got a collection from Credit Coll where it said that it was opened on XX/XX/XXXX and last activity was on XX/XX/XXXX with the account number XXXX where i never had any written contract or any account with this company with a debt that i didnt owed for XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Equifax Information Services, LLC XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request for Account Blocking and Deletion Due to Data Breach Pursuant to 15 USC 1681c-2 ( a ) Dear Sir/Madam, I am writing to formally notify Equifax that I am a victim of the recent data breach involving your company. As a result of this breach, I request that all accounts associated with my personal information, which may have been compromised, be immediately blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
Under 15 USC 1681c-2 ( a ), individuals affected by data breaches are entitled to have fraudulent or compromised accounts blocked and removed from their credit reports to protect their financial identity. Given that my personal information has been exposed, I am requesting that all accounts associated with my name, Social Security number, and other identifying information be removed.

Please find attached a copy of my government-issued ID, proof of address, and any additional documents required for verification. I request that you conduct a thorough investigation of my credit file and block or delete any accounts or items related to fraudulent or unauthorized activity resulting from the breach.

I kindly ask that you confirm the actions taken on my behalf and provide a copy of the updated credit report once the necessary corrections have been made. Please contact me at XXXX or via email at XXXX if you require any additional information or documentation to process this request. 
Thank you for your immediate attention to this serious matter. I trust that you will act promptly to protect my identity and ensure that no further fraudulent activity is reported on my credit file. 

Sincerely, XXXX XXXX
Product: Mortgage

On XXXX/XXXX/2014, my formerly adjustable rate mortgage was modified, at great expense to me and improperly, in my opinion, but that is water under the bridge. Since modification, Ocwen, the loan servicer, has failed to maintain my escrow account properly or provide me with monthly statements, force-placed insurance without reasonable basis, paid real estate taxes that were not due ( I am elderly and have a real estate abatement from my city ) and then jacked up my escrow account to recover the funds and just generally made my life miserable, resulting earlier this year in a foreclosure notice, notwithstanding my loan history of timely ( early, actually ) payments over 14 months following the modification. I had to file Chapter XXXX and they are continuing the same malevolent path, refusing to file a claim but objecting to confirmation of my plan using an outrageously false statement of arrears ( which ONLY have developed since they improperly began rejecting my payments in XXXX of this year ). I want you to make them analyze my escrow properly, give me credit where it is due ( we have sent them innumerable communications to which they just talk over and keep saying they 're right and I 'm wrong when I am not ).
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/2017 Balance : {$6400.00}
Product: Credit reporting or other personal consumer reports

I just reviewed my credit reports and it shows inaccurate student loans Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX the social security administration changed my social security number from XXXX to XXXX after someone fraudulently applied for Coronavirus related unemployment in several states where I've never worked or lived. I notified XXXX, XXXX and Experian of this and asked to have my social security number changed on my credit report. 

I was also the victim of a violent felony assault which was another major factor in SSA 's decision to change my SSN. 

XXXX responded stating that they updated my report to reflect my new social security number not there are multiple credit files listed under my new and social security number. XXXX has at least 2 credit files listed under my name and new social security number. 

Experian responded inappropriately and did not update my credit report with my new social security number. Experian has at least 2 credit files under my name with my old SSN on one and my new SSN on the other. 

XXXX responded stating that they updated my report to reflect my new social security number but there is two separate credit files. Like Experian, one under my old SSN and one under my new SSN.

I have excellent credit and have now been denied credit yesterday because of this serious issue. 

Social Security stated to me that they do not issue any notice to someone who was issued as a new SSN as a security precaution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Misuse of my name, address, phone number, and social security number along with the Dark Web inquiries and unfurnished permissions has led to me receiving calls and letters regarding accounts and people or companies that I do not have knowledge of. Some of these unverified claims and misused information have been added to my credit reports with three major reporting bureaus ( Equifax, XXXX, XXXX ). This also has caused me to have high interest rates and other irrational issues used against me. Several of these items have been disputed with credit reporting agencies and have yet to be properly investigated or removed. The misinformation is having an adverse reaction on my livelihood.