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

Please REINVESTIGATE. The Credit Bureaus stated that my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

I am uploading a copy of my Credit Report. The red boxes are marked where the failure occurs.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my Experian, XXXX and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report incorrect balances and not including all accounts, available credit, usage and payment history. Several disputes filed. 
Dates contacted Experian agency : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX -Only reporting one XXXX XXXX credit card. I have two in very good standing -Not reporting XXXX/XXXX  -Not reporting XXXX  -Not reporting XXXX/XXXX
Product: Credit reporting or other personal consumer reports

Chime Bank is taking my Government Funds and double charged me costing me pain and suffering a place to live being able to eat putting food on the table put me and my service animal on the streets and taking my funds I receive from the U.S Social Security Administration And double charging me and the merchants that I shop with claiming that it's our fault for their own mess ups within the bank itself so they can fraud we the people and merchants with whom we shop with to place blame upon for the " Banks '' mess ups then lying to our credit bureaus saying that we paid in a certain amount to make us we the people they helped raise our credit score for an amount they have either stolen from your account they owe you in total or something they made up when I dont get that amount every month from social security to begin with. Now after I brought it to their attention they are closing my account now and I also have in email as to why and they are pretty much putting me at fault for their own mess up!! XXXX is wrong with this Bank or so called bank and why haven't they not put them in prison. I know if I was frauding Americans and their funds they would lock me up faster than tomorrow!!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

If disputed this account several times over the years for incorrect reporting that is ruining my credit. I most recently disputed this account a few weeks ago and they continue to report incorrectly. At this point, it is fraudulent. They continue to verify information that is flat out wrong and enough is enough. And the credit reporting agencies continue to accept this fraudulent reporting without receiving proper evidence. This account must be removed from all credit reporting agencies immediately. The 30, 60, and 90-day late information they continue to verify is incorrect. I have told them this several times. To make matters worse, they continue to report that the amount of discharged debt is upwards of {$10000.00}. They know this is information is incorrect as they provided me with the cancellation of debt form that states {$6800.00}. Remove this account from all credit reports immediately.
Product: Credit reporting or other personal consumer reports

I have old credit card debt that has been re-aged. 2 accounts with XXXX XXXX, 1 with XXXX XXXX, and 2 with Jefferson Capital. All of these debts are over 7 years old, yet dates have been wrongfully updated. Accounts have been closed/charged off for a number of years. No payments, no contact with debt purchasers. All of these accounts have had the dates adjusted by the debt purchaser. Some of these are over 10-12 years old
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXXXXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$500.00} Chapter XXXX Bankruptcy Date XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Checking or savings account

Ally Bank regularly blocks my access to my account. I have complained to the Bank several times, most recently on XXXX XX/XX/2023, but the problems continue.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerly XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX Balance Owed XXXX {$2400.00} DP OF EDUC XXXX Balance Owed XXXX {$2800.00} DP OF EDUC XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$2300.00} DP OF EDUC XXXX* Balance Owed : {$6200.00} DP OF EDUC XXXX Balance Owed : XXXX DP OF EDUC XXXX Balance Owed : {$3900.00} DP OF EDUC XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$2400.00} US DEPT ED XXXX Balance Owed : {$2800.00} US DEPT ED XXXX Balance Owed : {$3000.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX Balance Owed XXXX {$6200.00} US DEPT ED XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi, I am reaching out regarding the following information I listed from reviewing my credit report. The accounts listed below need to be removed. I am a victim of Identity Theft. I do not recognize any of the charges or listed accounts. I reported the theft of my identity to The Federal Trade Commission, and I do have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I am requesting the removal of the items listed on this letter based off what I reviewed in my credit report because the information is incorrect and unrecognizable. Please advise. I do appreciate the help of your team in advance. Best regards.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPB 's recent administrative proceeding.I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

A debt buyer known as LVNV Funding is taking me to court for a debt I believe is not mine, however if it is, then I did not receive 5 days notice. Their attorney provided me with false documentation to prove that there was a letter sent to me. 1 : I did not receive a letter within the 5 day notice. 2 : The letter stated XXXX XXXX sold the debt to LVNV Funding. Yet the proof of ownership shows that XXXX XXXX sold the debt to XXXX XXXX XX/XX/XXXX first. Then XXXX XXXX sold the debt to XXXX XXXX XX/XX/XXXX. After that XXXX XXXX sold the debt to LVNV Funding on XX/XX/XXXX. XXXX : The document states that XXXX XXXX sold the debt straight to LVNV Funding. 4 : The debt was sold within the same day at one point. There is no possible way I could have been notified of the transaction within 5 days if there wasn't 5 days in-between each sale. 
5 : I do have copies of all documents, however your computer won't take anything of 10MB. Will send physical copies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX of XXXX someone opened an auto loan with Capitol One Auto Finance in my name. They also made payments on this loan. I tried disputing this loan when I saw the negative report ( approx. in the year of XXXX ). I have a detailed police report of the Identity Theft Incident Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I attempted to get financing for a transaction with XXXX through TD Bank. Unfortunately, an error told me we were unable to connect at the time. I handled the transaction another way. I learned later on XX/XX/2022 that TD Bank had placed a hard inquiry on my credit report - which will persist for XXXX years- causing my score to decrease. I received no decision from TD Bank, no benefit, and no notification. TD Bank acted wrongfully here. I should have been notified directly regarding any decision- as is my right. 

TD Bank WILL remove this inquiry from my report, immediately.
Product: Money transfer, virtual currency, or money service

" I received a paycheck from my employer ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ) on XX/XX/2022 in the amount of {$1000.00}, which I took to Atlanta Check Cashers ( " ACC '' ) and cashed without issue on XX/XX/2022. I later received a threatening notice from Atlanta Check Cashers that the check from my employer had been dishonored due to insufficient funds, and that I would be subject to " criminal prosecution '' unless I paid ACC back, plus {$53.00} in fees. I told XXXX  about the notice, who advised that they would correct the issue with ACC. 

One month later, assuming the issue was resolved, I returned to ACC to cash an unrelated check for my tax refund. Instead of notifying me that the issue with the previous check had not been corrected, ACC withheld the full amount of the previous check plus fees ( {$1100.00} ) from my tax refund check without giving me any notice or an opportunity to take my tax refund check elsewhere. 

Since that time, I have requested in person and in writing that ACC return the amount that it wrongfully withheld and instead pursue the party who actually wrote the check. My attorney has written a letter and spoken with ACC 's representatives, who have refused to return the wrongfully withheld amount. '' XXXX XXXX XXXX XXXX XXXX XXXX with permission, on behalf of XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2700.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXXXXXX XXXX  XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with  XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX {$2600.00} XXXX   XXXX XXXX {$450.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$760.00} XXXX XXXX {$11000.00}
Product: Checking or savings account

On XX/XX/XXXX I was fraudulently charged {$1400.00} which was not authorized. I immediately filed a dispute on XX/XX/XXXX and was promised a temporary credit. After speaking with Wells Fargo I was told that the issue would be investigated. 

Unfortunately Wells Fargo did not provide a temporary credit and closed the dispute without cause. I called multiple times and asked for proof that I authorized this amount. 
Wells Fargo never provided evidence. 

The requested information was never provided and Wells Fargo has ignored my concern ( s ). Wells Fargo has violated the user agreement by refusing to address this issue. 

I have lost {$1400.00} which has placed a major strain on my finances. Therefore I'm filing a complaint and want the appropriate action taken to recover my funds. 

I reserve my legal right including initiating arbitration per the user agreement if this issue is not resolved. Thank you.
Product: Credit reporting or other personal consumer reports

I am facing a distressing situation of identity theft with unauthorized accounts, notably a charge-off linked to XXXX on my Experian credit report. I want to emphasize my lack of involvement in any transactions with this company. Despite persistent efforts, no conclusive evidence validating this account has been provided. Furthermore, Experian appears to disregard my concerns despite disputes and a detailed police report. The XXXX XXXX XXXX exacerbates the situation, resulting in more fraudulent accounts opened in my name. Additionally, XXXX XXXX XXXX pursues a debt related to the XXXX account XXXX which I do not owe. I have attached requested documents, including a police report and FTC report highlighting fraudulent accounts, after initially providing them.
Product: Credit card or prepaid card

I have a loan with CAP1/XXXX XXXX. I have always made my payments on time. For some reason, I realized that this account is still being reported on my account by the Credit Bureaus. I've already pad this account. As you can see, there's no balance on this account and the status is already paid. Also, the payment history of this account is inaccurate. I've already send requests to remove this account but after 30 Days, I didn't receive any response or changes. Please investigate this matter. Otherwise, remove this account for legal accuracy.
Product: Vehicle loan or lease

This is a complaint to recognize the discrimination of XXXX injustice against XXXX  and XXXX decent people who have been a customer of Wells Fargo Auto Finance and also a Wells Fargo banking customer. I find that over that past 8 years until even now the Wells Fargo Banking institution has repeatedly ignored my request to explain why there was no acceptable explanation as to why my auto loan and banking products were not available at the equal opportunity level for the same products as white Americans. The latest incident is that I was sent {$410.00} for a product I was charged for over the years for their unauthorized add on identity theft product for identity theft. Having that I did experience identity theft, Wells Fargo not only charged me for the insurance support for identity theft but also didnt disclose they added on a product I was paying for and did not offer the paid for service to me. Wells Fargo only sent me letters of threats in closing my accounts and failed to mention that they were in fact charging me for identity theft services that I didnt know I could have benefited from if I knew I had this service. I personably walked into Wells Fargo XX/XX/year> with the success of securing my official identity and they continued to send letters of needing more time to establish identity. One year later I went into Wells Fargo to find out there are two bank accounts that have not still been corrected nor I have I received an explanation as to why was my daughter who was a minor at the time social security number linked to my banking accounts. I have recently received a phone call from a Wells Fargo representative requesting documentation of the issues I have with Wells Fargo to address my concerns but in actuality it is all because of racism. Wells Fargo has been unequal in terms of how they treat people of XXXX in their banking transactions, lending practices and business dealings with XXXX Americans. I am extremely uncomfortable with supplying Wells Fargo with the documentation that can be used to help them cover up the unequal credit opportunities I experienced in my banking relationship with Wells Fargo
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 card

Wells Fargo Has Dishonor My Exemption For The Past Year And Continue To Ask To Pay Money For My Credit That Has Been Used By The Company. They Have Benn Violating International Treaty Laws, Federal And State Laws, Trust Laws, etc. I Demand Settlement And Closure Of Account XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft. There is several accounts, inquiries, and addresses that does not belong to me nor did I authorize. I have notified XXXX, XXXX, and Transunion of this matter and have yet to get a proper response. All 3 bureuas are in violation of several FCRA laws such as FCRA 605B ( 15 U.S.C & 1681 c-2 ) which states that the following accounts must be remove within 4 days of receipt. I have file a complaint with The FTC and was provide with a Identity Theft Report and I also filed a police report with my local Police Department which both are attached.