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

I contacted Equifax in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. Equifax responds and states that they need additional information. However, I have supplied all information needed. Equifax then responds that they have verified the accounts with my date of birth, social and address. However, Equifax JUST,XX/XX/XXXX, updated my records with the correct date of birth at my request. Therefore, it is impossible that these accounts were verified accurately. I have even requested for a copy of any of the contracts I initiated with my signature to be produced by Equifax. Still nothing has been provided to me, yet they continue to report inaccurate information that is continuing to deteriorate my credit file.These items have been deleted from the other two agencies. The items are : XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XX/XX/XXXX XXXX.
Product: Credit reporting

I have been recently denied credit based upon my TransUnion credit report. I immediately contacted TransUnion by formal correspondence to request a copy of my credit report, in full accordance with the FCRA. I also called TransUnion and a representative told me that I would have to purchase the monitoring service to receive a copy of my report. The FCRA enjoins Credit Bureaus to provide a copy of the person 's report if notice of adverse action has been rendered by the prospective creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  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 60 days straight with transunion 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Prepaid card

I am writing to bring to your attention the numerous discrepancies and instances of neglect regarding my Bank of America account, which have caused me significant financial hardship. 

First, there are substantial discrepancies in the transactions recorded on my account. The transaction dates, amounts, and times do not align with my records. This inconsistency has led to considerable confusion and XXXXs. I request a thorough investigation into these discrepancies to rectify the incorrect information. 

Additionally, I have noted that the neglectful handling of my account has led to several unauthorized transactions. Despite my numerous attempts to resolve these issues through your customer service, the problem persists, severely impacting my financial stability and causing undue hardship to both myself and my child. 

The ongoing mishandling of my account by Bank of America has resulted in extreme financial XXXX I have suffered considerable hardship due to these errors and the lack of timely and adequate responses from your team. This situation is unacceptable and needs immediate rectification. 

I kindly request the following actions be taken without further delay : XXXX. A detailed investigation into the discrepancies in my account transactions. 
XXXX. XXXX correction of all incorrect information on my account. 
XXXX. Reimbursement for all unauthorized transactions. 
XXXX. A review of the handling of my account to prevent future occurrences of such negligence. 

I hope for a prompt and satisfactory resolution to this matter. Please consider the severe impact this has had on my life and the necessity for immediate action. 

Thank you for your attention to this urgent matter. I look forward to your swift response. 

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Product: Credit reporting or other personal consumer reports

XXXX should only have one address, my current address as my right to privacy no one should be privy to my residential history without my consent and authorization.

My current address is the only address that should be reporting as the only address I can receive legal notices and mail from the credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Checking or savings account

Funds fraudulently withdrawn from savings XXXX Amount XXXX $ in branch. 

Claim opened XXXX Claim denied Requested investigator contact me. 
Promised investigator would contact 2 business days never did Claim opened again XX/XX/XXXX Claim denied XX/XX/XXXX Requested investigator contact me. 
Promised investigator would contact 2 business days never did In branch visit with manager claim re opened XXXX also set up a elevated complaint with bank internal system Claim denied Promised investigator would contact 2 business days never did XX/XX/XXXX received email from resolutions department. Stating that claim is closed. Called resolutions. Promised investigator would contact 2 business days never did. 

I was not even in the same state when withdrawal was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Validation of debt letter in XX/XX/2020 and hadn't received a reply from bureau. Multiple inaccuracies on credit report that need to be fixed. Utility Bill and ID also sent out.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against them, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX & Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as their inaction violates federal law and my rights as a consumer.
Product: Debt collection

Disputed debt by XXXX XXXX. Spoke numerous times with previous collections & explained it was a secured card ( {$250.00} deposit ). Spoke with XXXX at Portfolio XX/XX/year> at XXXX. Explained the same. 

Asked previously for debt validation/verification & was sent two statements ( XX/XX/XXXX, XX/XX/XXXX ). Representative referenced statements I do not have ( XX/XX/XXXX ). 

Opening the card with XXXX  XXXX, the agreement/card was a SECURED card with a DEPOSIT I provided on the account of XXXX XXXX I never received the deposit back, and this should have been applied to the account. 

Account is paid
Product: Debt collection

I refinanced a car loan through one main financial in XX/XX/XXXX in the state of XXXX My original contract was with XXXX. In my original contract that one main purchased and refinanced was gap coverage. I have been paying on this loan for six years. The vehicle secured in this loan was totaled out through insurance in XX/XX/XXXX. The vehicle had gap coverage included in both the original loan and the refinancing. One main refuses to accept the gap coverage. They have been given over {$10000.00} by my insurance company and accepted it. They are now harassing me consistently over the remaining balance that shouldve been covered by the gap insurance. The original loan was in Texas, but they are threatening garnishment, disclosing this loan to an outside party and refusing to look into the contract or providing me a copy of it I now live in XXXX. I have attempted numerous times to contact them to resolve this matter. They are ruining my credit by stating that they have not received payment in three months. They have not disclosed that they received a {$10000.00} check from my insurance company. I need this situation remedied and I am unable to get any resolution through the company directly and that is why I am reaching out to you.
Product: Credit reporting or other personal consumer reports

Regarding alleged XXXX XXXXXXXX # XXXX, LexisNexis has violated my federally protected rights under the FCRA 15 U.S.C. 1681b ( a ) ( 2 ) Permissible Purposes of a Consumer Report, which states that any consumer reporting agency may furnish a consumer report under the following circumstances and NO other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I sent LexisNexis a notarized Violation of Permissible Purposes of a Consumer Report, on XX/XX/XXXX, requesting they provide me with copies of any documentation associated with me granting them such written consent to report the alleged information, bearing my signature. In the absence of such documentation bearing my signature, they were to delete the information from my credit file immediately. 

On XX/XX/year>, LexisNexis stated in their Results of Reinvestigation correspondence, that the aforementioned alleged bankruptcy was reviewed and they determined the data being reported as unverifiable. In the same document, they stated the data in question had been removed and their files updated. Despite this determination and statement, they continue to report this unverifiable and false information on my consumer credit file. As such, LexisNexis is also in violation of my federally protected rights under the FCRA, for the XXXX XXXX For Willful Noncompliance, 15 U.S.C. 1681n ( a ) ( 1 ) by continuing to report inaccurate, unverifiable information and is now liable to compensate me {$1000.00} per violation they perform against me. Please see the attached, notarized document informing LexisNexis of their Violation of Permissible Purposes of a Consumer Report, requesting they provide the documentation they have granting them my written consent bearing my signature, as well as the correspondence from LexisNexis confirming they determined the information as unverifiable and that it had been removed.
Product: Credit reporting or other personal consumer reports

XXXX employee " XXXX XXXXXXXX XXXX '' fraudulently utilized my PII ( Personal Identifiable Information ) to inquire credit in my name.
Product: Debt collection

I received a call on XXXX XXXX, 2015 at XXXX from a " process server '' working for XXXX on case number XXXX who said she has suit papers for me. She said that I needed to call XXXX with the case number. The representative stated I am being sued on a debt that 's over XXXX years old. When told the debt is " time barred, '' he stated the debt was re-aged and I could be sued for the debt. He also said I must pay up or take my chances in court. In fact, the debt is so old, it 's not even on my credit anymore, which they assure me will change.
Product: Credit reporting or other personal consumer reports

( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.CREDIT BUREAU : EXPERIAN FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX AND XXXX XXXX XXXX XXXX ACCOUNTS DO NOT BEAR A WET INK SIGNATURE. EXPERIAN IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EXPERIAN TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EXPERIAN HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. BOTH XXXX XXXX AND XXXX HAVE REMOVED ALL FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Registration Rights Agreement. XXXX XXXX entered into a registration rights agreement with Experian XXXX XXXX XXXX XXXX Experian is a member of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( FARES ), which in turn is a stockholder of XXXX XXXX XXXX XXXX the XXXX  XXXX XXXX that owns the shares of. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Consumer IDXXXX Date of BirthXXXX SSN : XXXX ID Type : Driver 's License ID Number:XXXX  Address:XXXX  XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX ( Open Date:XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXXXXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXXXXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, ( NAME )
Product: Credit reporting or other personal consumer reports

Sent a letter to the credit reporting agency on XX/XX/23. They notified me that they won't look into my disputes because I didn't send it, which is untrue. They are reporting information to an incorrect name on my credit profile, and anything attached to that name is to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is beings own is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX, XXXX # # # # # # XXXX. XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX AND XXXX XXXX, XXXX, OH XXXX and XXXX XXXX XXXX, XXXX, OH XXXX My current address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX.Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX got a decision from your company they didnt like. when I disputed fraud charges now XXXX put charges of XXXX on a XXXX card, that was shut off in XXXX. When i filed the original dispute against XXXX dispute. 
Through experian they are lowering my good credit standing daily for a XXXX charge on a card that I did not authorize, on a card that has been turned off since XX/XX/2023. I turned off all 3 of my XXXX XXXX  cards in XXXX, and I notified all 3 credit reporting agencies the cards are closed. when I found fraud with their company with my XXXX XXXXXXXX XXXX   account. 
Experian knows the card was turned off when XXXX presented a false charge of XXXX. 
Experian is lowering my credit rating daily. On a charge I didn't authorize on a card I registered with then to be closed.
Product: Debt collection

Sometimes XXXX calls a day. Starting at XXXX till XXXX. They got my mother 's phone number and called her repeatedly. Received phone calls before payment was pass due. Amount owed is under XXXX dollars. PayPal representative talked over me and was obviously not listening to a word I said. Set up a settlement was told the first XXXX payments were scheduled then find out only the first XXXX was scheduled after representative told me XXXX were scheduled. PayPal is harassing me for XXXX dollars with a XXXX. Repeated calls to my XXXX XXXX XXXX mother is unacceptable.
Product: Checking or savings account

Chase Bank did not like a transaction. A check provided to me was bad. Not my fault. They decided to suspend the sccount without any written notice, or give me time to make arrangements. After suspension, they accepted my Federal SSI funds. In violation of bank treaties and Federal law, they are refusing to allow me access to remove these funds... indefinitely. The last conversation, on XX/XX/year>, with XXXX and XXXX confirmed that they had received {$1600.00}. They refused to allow access or provide a check. These Federal funds are being held in limbo.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX  Reference # : XXXX XXXXXXXX XXXXXXXX XXXX Balance {$470.00} XXXX XXXX Balance {$800.00} XXXX XXXX XXXX Balance {$580.00} XXXX  XXXX Balance {$21000.00} XXXX  XXXX XXXX Balance {$760.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Reference # : XXXX XXXX XXXX XXXX Reference # : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to obtain my credit scores and reports through credit karma but i have had no success. I have submitted all proper identification they require and still no success. I have uploaded it into their system as well as mailed it.