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

Hello, XXXX XXXX reported to XXXX, XXXX, and Equifax that I was 90 days late in my payments in XX/XX/XXXX and 120 days late in XX/XX/XXXX. As evidenced by attached documentation, I was utilizing a general forbearance and my payments were XXXX dollars for the period of XX/XX/XXXX - XX/XX/XXXX. Since there was no payment due for this time period, XXXX XXXX   falsely reported late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Product: Debt collection

Lvnv funding , LLC. is reporting a debt on my credit report I have disputed with not only the reportimg agency but also with another debt collecting agency named XXXX, XXXX XXXX, XXXX XXXX have now filed a small claims suit over this debt against me, after numerous threats. LVNV Funding , LLC has not validated nor verified that I owe this debt. I have no recollection of ever having this debt or owning this account. This debt has also been re-aged on my credit report. I have belief that this an illegal tactic between LVNV Funding LLC AND XXXX, XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX I received a letter in the mail telling me I had a delinquent account with XXXX XXXX that was transferred or bought out by Spring Oaks Capital and I had 20 days or so to write a letter to dispute it or it would become valid. I checked my credit score/report on XXXX and I saw I had a derogatory account that I had no knowledge of from XXXX. I saw that the account was opened on XXXX XXXX and it was charged off and then closed in XXXX of XXXX. I disputed that account on XXXX and they came back and said the creditor stated the facts were accurate and so it remained on my credit report. I wrote a dispute letter before the deadline and sent it out on XX/XX/2022. This letter informed Spring Oaks that I disputed the entire debt and requested they provide me with the contract/agreement I signed. I heard nothing from them and on XX/XX/2022, I called them directly and they opened a dispute. I was told that I would have a resolution within 30 days. I also opened another dispute on XXXX and received the same response as before that the creditor said the facts were accurate. I called Spring OakXXXX again about three weeks later and was told by Spring oaks that the dispute is still open and that although an investigation was ongoing there was no activity on that. They informed that I had to wait for the 30 day period to pass. On XX/XX/2022 I called Spring Oaks again and was told that the dispute was still open and that unfortunately I just had to wait until the investigation is completed and no time frame was given for that even though at this point it has been past 30 days. I advised them that I was now aware they only have 30 days to investigate and respond and I requested they respond to me in 24 hours and was told that likely wont happen. It will have been 60 days from my original phone call to Spring Oaks and has been XXXX days since my original letter was sent to Spring Oaks. My credit continues to be negatively impacted from this and is preventing me from having a better score. I want it removed from my credit report immediately as is required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a balance due of {$7200.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was sold at auction and sold for more than what was owed and consequently there should be no outstanding balance due. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my new family with a baby on the way Please remove unauthorized inquiries from my credit report As soon as possible SEE ATTACHED. 

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

i have submitted multiple disputes to the 3 credit bureaus as well as XXXX XXXX and they just come back verified ... how did they all conduct proper investigations when all of most of the information is inconsistent across all 3 bureaus reporting? they didnt conduct a proper investigation ... i am attaching a snip of my 3 bureau report as well as a few of the letters i sent ... .they are in violation and i need this deleted now ... they are reporting different balances, different highh credit, different credit limits, different past dues, it has been re-agaged, and take a look at that inconsistent 2 year history ....
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681- Congressional findings and statement of purpose There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Wrong accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDU XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Wrong Inquiries : XXXX. XXXXXXXX XXXX XXXX  XXXX. XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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 reporting, credit repair services, or other personal consumer reports

I have had Federally supported freezes set up on all 3 major  credit bureaus for years and have had no issues controlling those freezes either online or via phone until recently. I have a combined credit score over 800. Recently I have had problems with being able to call in or log into my Experian account to control Federal freezes. When I try to log in it tells me my log in information is incorrect. When I try to fix the username and/or password the reset emails it says it is sending to my valid email account on record never arrive. I have no problems receiving test emails to that address from other accounts so the problem is on Experian 's end. When I call in, the automated phone system simply dumps me out of the call no matter which avenue I pick to try and get live help. I have tried half a dozen Experian numbers as well including their business support who did answer but said she could not help with a consumer issue and gave me a number that simply sent me through the same automated nightmare and dumped me out. Without either phone or online help I am unable to find and fix problems or file a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt collector recently started tactics to get paid debt that was taken care of from my insurance. I work for the facility I went and I used the hospital I was in network. This doctor I later found out Emergency room doctors are not in network, which this is not my fault. As when you feel very sick, is the last thing you will check if all providers are in network, Per my insurance XXXX  employees get discounts with insurance if you go to their facilities, and so I did. This doctor refused a discount, or other means. Now 3 years later is attempting to collect a debt, that was in negotiations with my insurance carrier, that they paid for and I am getting harassed and now decided to go against my credit. I am very upset was this is not correct. My means have not changed, We are not working as result form the pandemic. This is wrong, I want to be protected from companies that claim credits after several years, specially when the amount they want to collect is way above of the service provided and rendered.
Product: Bank account or service

I contacted USAA bank to dispute a charge after I found a company failed to due work as promised and after having to pay another mechanic for same work I asked for a refund. USAA so called investigation failed to take other mechanic information or even listen to audio recordings between me and company where they admitted wrong doing
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  XXXX. requested ( Hard ) inquiry without authorization : New credit inquiry It looks like a lender recently checked your credit report. This typically happens when you apply for a new credit card or loan. 
INFORMATION FOUND Lender : XXXXXXXX XXXX XXXX Inquiry date : XX/XX/2023 This is pattern this company use to continually ( increase and reduce ) credit score of the past ( 12 ) months. Seem to be a credit card issuer " Redlining '' for credit card holder with high credit balances. However pay all credit card on time without delinquency.
Product: Debt collection

FirstPoint is attempting to collect a debt that I have no knowledge of or have ever done business with. They claim they have all of my information including my private social security and will do what they please with it. Per the FDCPA, they do not have my express consent and they are using deceptive means by forcing a debt on my that I never heard of nor have I gave them my authorized signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 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 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 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 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 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 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 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an issue with a company ( BEST BUY/CBNA ) not taking payments and then charging late fees. I called and asked for an online log in and they said they could not do that then I asked to make a payment over the phone and they said their system was down. I called back the next week or so and the company said that the promotional financing expiration date expired and that there was an added aprox~ {$200.00} to the account. I explained the situation then they said they would remove the interest. They then took my payment and told me the account would be at a zero balance. A few days later I go to check my credit and notice that there is still {$210.00} unpaid ( the amount that BEST BUY/CBNA had agreed to remove ). I went to dispute the charge and it came back that it was a valid charge. I called XXXX to talk about this and I got a hold of someone and they asked for my ssn. They had an accent and was curious where they where located as I just gave them my ssn. So I asked and was told the united states. I asked which state and they started to get defensive and told me the united states and that they where not allowed to tell me which state. I then asked if I could speak with a manager I got transferred to a line that said " welcome to XXXX  disputes center we are currently closed ''. Are my calls to XXXX  being routed to another country where there are no laws for prosecuting someone properly for identity theft. Another concern is that BEST BUY/CBNA is making it more difficult than necessary for me to make payments so that they can collect late fees to increase profit.  Thank you for any help you can offer!
Product: Credit reporting or other personal consumer reports

Experian has 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 has recently filed a lawsuit against Experian, 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 Experian 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 Experian 's inaction violated federal law and my rights as a consumer. 
The accounts include : XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) Credit Management ( {$910.00} ) 2 ) XXXX XXXX XXXX XXXX ( $ UNKNOWN ) 3 ) XXXX  XXXX XXXX ( {$11000.00} ) 4 ) XXXX ( {$290.00} ) 5 XXXX XXXX XXXX  ( {$1800.00} ) I did not authorize any of these attempts to collect any debt or to unlawfully report any negative account on to my credit report file. I need these items annulled and removed immediately.
Product: Debt collection

On XX/XX/2022, I filed a police report with my local jurisdiction regarding identity theft. I have been battling ongoing reports of purchases such as vehicle purchases, apartment rentals and etc. Most recently, a notification on my credit report appeared regarding a debt collection. I have had a credit, freeze, and a locked credit report upon dealing with this ongoing identity theft crisis. I have never had an account go to a debt collector. Upon verification from the debt collector this is for some type of purchase and outstanding payment. Im not aware of this situation as this falls into another example of identity theft. I have contacted the representative for this debt collector and explain to them that this is a form identity theft. 

The original copy into the first known issue for identity theft is included in this report.
Product: Debt collection

Citicards has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Checking or savings account

On XX/XX/XXXX : I attempted to make a payment with XXXX  ( XXXX ). Their system charged me twice. 

On XX/XX/XXXX : I was advised by XXXX that I would need to speak with my financial institution, Chime, to request a refund. 

On XX/XX/XXXX : I was advised by XXXX Customer Service that the chargeback was completed on XX/XX/year>, and my funds should be released. 

On XX/XX/XXXX : I spoke with Chime Dispute Supervisor, and provided the charge identification number and relayed the mentioned information from XXXX to Chime Dispute. I advised that my funds should be released, and have not receive my funds after providing sufficient information. I was told a ticket will be submitted. 

On XX/XX/XXXX : I contacted Chime requesting an update on the ticket submission that was submitted over to the Chime Dispute department to relay that the chargeback was completed and charged identification was given to expedite the process. I was advised that there was no information detailed within the previous ticket submission by the previous Supervisor. I was told that the funds should have been released, but they will not process my request. 


At this time, I would like to request and investigation against Chime. I want to also file a formal complaint against Chime as well. Chime refuse my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to years of identity theft starting in 2016 ( that I am aware of ), my husband and I locked or placed a " freeze '' on our credit. Earlier this year, while trying to re-finance student loans, I tried to lift the credit freeze on my Experian report, but was unable to. When I went to reset my password for the online account, Experian automatically sent a reset link to the email address associated with the account. However, the email address was unfamiliar to me. I called Experian immediately and was told there was nothing they could do. A few weeks ago I tried to access the account online using a previously issued PIN but was unable to, and was instructed to send in a letter, picture ID, security card, utility bill, etc in order to access my account or lift the freeze. Someone has been using my identity to obtain credit, and Experian is allowing it, and putting the burden of trying to fix and re-secure my credit on me. The account should have never been hacked in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Laws. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX #, Account name : XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  # Account number XXXXXXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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: Checking or savings account

I spoke to the Citibank branch manager XXXX XXXX XXXX XXXX several times to address the issue of receiving 3 letters from Citibank Client Services. The letters indicated they were closing my checking accounts, money market accounts, 2 CD 's and my safe deposit box by XX/XX/XXXX. The branch manager said 'I am not supposed to say this '', however you removed sums of cash ( XXXX to XXXX ) that looked suspicious. I explained that my son is getting married, I donated money to a Ukrainian friend who made several trips to the XXXX and US dollars are always helpful. I also sold my vacation house in Florida last year and needed a lot of last minute fixes for the deal to go through. I have been a Citibank customer since XXXX ( 38 years ) and have never had any issues with my accounts. My wife is handicapped and opening a new account and resetting all our automatic payments to utilities, credit cards, phone bills etc. will be a hardship. My wife and I ( join accounts ) have no criminal record and several of those cash withdrawals were in XXXX. We are also Citibank Gold Priority members.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

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 Balance Owed : {$3300.00} XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$9200.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX XXXX In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.