23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/2022 was the date the incident had occurred. 
Im reporting a serious complaint against American Express, XXXX  XXXX XXXX, XXXX and XXXX XXXX  for discriminating to provide me with an extended amount of credi that i request based on the fact that they unlawfully obtain my personal information from public companies to make a decision to provide me with such service which totally goes against TILA and also 15 USC 1691 regulations. 
im making sure that no other consumer has to face this again.
Product: Debt collection

I previously disputed this account with the credit reporting agency but was unsuccessful with the proper results. this is the result of identity theft. please investigate this account and send me proof.
Product: Debt collection

Berlin Weeler , Inc continues to send me communication regarding a debt I never owed. I have already disputed the amounts and proved that I paid my final cable bill with XXXX XXXX. I have now been sent correspondence at my job and I would like to take legal action.
Product: Debt collection

I have a debt for a phone bill on my credit report for a XXXX account I never opened. It is not mine. I was incarcerated. You can look up my department of corrections history and see that there is absolutely no way I couldve been using a phone while I was in prison. I want this debt removed from my credit report because I have no debt anywhere else and now this one single thing is preventing me from beginning to start building a good score. I will never pay for a debt that is not mine. Ive reached out to the collection agency and then they tell me to contact sprint-sprint no longer exists they are XXXX now and they say they have no record of my debt anywhere in the system. Please remove this from my credit report as it is not mine. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

purchased XXXX XXXX XXXX financed thru XXXX XXXXXXXX XXXX that was paid off in XX/XX/XXXX and i have the care title in hand and a payoff letter from the bank and they are reporting i still owe XXXX and showing late payments collection and charge off on my credit report and non of the credit reporting agencies will remove this info. I have sent in proof multiple times and the bank will not fix the error or the credit agencies will not fix this error. NOTE if car was not paid in full why do i have the title and a payoff letter stating it was paid in full. this is the 2nd dispute for this same issue with cfpd prior file should have all paperwork. will send again if need be. 
Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion a letter regarding unauthorized credit inquiries on my credit report via XXXX. On XXXX, XXXX XXXX, XXXX XXXX XXXX signed and received my letter regarding the inquiries. As of XXXX, XXXX XXXX, XXXX I have not received any correspondence related to my disputed and their investigation results. According the FCRA, they are required to disclose the results of their investigation within 30 days and if the item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, they are required to modify that item of information, delete that item of information or permanently block the reporting of that item of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all my creditors including care credit as I was closing some accounts and making payment arrangements you see late 2018 I lost my only brother and had to help my mother financially since then, My brother was hit by a car and taken suddenly so no time to plan. But trying to make good with all my creditors I put this account with care credit closed status and to withdrawal {$10.00} monthly from my bank account they then unknowing to me sent the account to collections drastically hurting and impacting my score leaving other creditors to believe I do not pay my bills and is false ; I have other synchrony accounts that are almost paid off or paid off in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I was speaking to two individuals, I tried ti make arrangements, but when it came to the end- he asked me to provide my bank account information to secure payment. I was uncomfortable doing so and he stated that my debit card is the same thing. To me it is not the same if I call and give my debit card information versus my bank account number - and I didnt have the contract with them so regardless if I have my account to the original place I took the loan with, I do not need to provide that to the collection company. I asked if I could call back after work, three times, and all he did was threaten to escalate my case as refusal to pay when I wasnt refusing, I just needed time to figure out how I could do so, which would have been after I was out of work. He said well when you call back, your payment will be due in full. Which I think is unfair- I also asked them not to call my job as I cant receive calls- they still called the main line to my entire company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion admitted on investigation results of using old info and never validating any the debits listed below. 
Under 15usc1681 parts A, B, C The Federal law allows me as the private person due process and transunion has broken Federal law. 
1, XXXXXXXX XXXX 2, XXXX XXXX 3, XXXX XXXX XXXX card ( bank ) 4, XXXX XXXXXXXX XXXX card ( bank ) 5, XXXX .account paid with promise of removal and still being reported. 
Also this account was reported as fraud and still on my credit No investigation was done. 
6.XXXX XXXX XXXX XXXX XXXX 
3 accounts all 3 never investigated all was still on my credit from past remarks only. 
7, XXXX XXXXXXXX XXXX bank No investigation was done. This was reported as fraud.Also being reported by Original creditor and XXXX XXXX which violates Federal law. This shows no investigation was done. 
Please file complaint against transunion credit for failure to abide by federal law and 15USC1681 parts A, B, C All pertaining to failure to comply with federal law and credit reporting guidelines. 
Only outcome is acceptable is the removal of all these accounts on my negative transunion report. 
And done with prejudice under federal law allowed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these accounts will be updated. 


XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$13000.00}
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after their investigation. I would like this item immediately re-investigated. These inaccuracies are highly injurious to my credit score The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX ACCT NUMBER XXXX ( XX/XX/year> XXXX late ) This company has continued to violated my right in accordance with The Fair Credit Reporting Act, Public Law XXXX, XXXX VI, Section XXXX, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I XXXX follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX shows up on my credit effecting my score dramatically when i never was associated with this account and they refuse to remove or provide information
Product: Debt collection

I am providing them with a theft affidavit, which is a request for a Reinvestigation, this is not the same as the last dispute. 

I am officially requesting a block be placed on this item. You will find my Id theft affidavit attached. Do not report this information any further to any of the credit agencies. 

I requested that you inform me of how my identity was confirmed by XXXX when the account was opened. Your company informed me that you didn't have that information. Im not sure how you can report to credit agencies if you have not confirmed my personal identy. I reached out to XXXX. They informed me that they did not collect a photo id when they opened the account. Thier privacy policy also confirms this information ( see attachment ). I requested from them all personal identifiable information they have collected on me. They had an adress that was wrong, a phone number that was wrong, an email adress that was wrong, my social security number, my date of birth, but they did not have a photo id. They did not verify that it was me who opened the account. 

When speaking with your company you informed me, that you do no have a department set up to investigate id theft, I would have to contact XXXX, to have them investigate it. XXXX is not required to investigate it by the fair credit reporting act, because they are not a furnished of information to the credit agiencies. You, however are, and are required to do so if you report to the credit agiencies. I have a right to dispute and request investigations, as well as Reinvestigation directly with you. And because you are a furnisher of information to the credit agiencies you are required to respond and act in the same manor and time line the agencies are. 

I requested that your company investigate the date of delinquency, as it does not match the statments you provided to me, nor does it match the date XXXX said the services were terminated. You told me that was information XXXX provided and that it is accurate. It doesn't matter if XXXX is accurate, they are not reporting to the credit agencies, however you are, you are required to be accurate or delete the item. XXXX says services were terminated XX/XX/XXXX. The date of delinquency has to be that day or before. It can not be XX/XX/XXXX. You are required by law to update the information or remove it from my credit history. You have 30 days to investigate it and make corrections. The person on the phone only paid me lip services and took no action to investigate it. This is in clear direct violation of the fcra.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/2023 Hello, I wanted to follow up on the results received from you and the other XXXX bureaus from my investigation, thank you for getting back with me within XXXX days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not XXXX percent accurate. I had a lot of inconsistencies between the XXXX bureaus, below i have listed them out for you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date of Last Activity/Date Opened/High Balance/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I started to look at my credit report to make sure my credit was in good standing, however I noticed multiple unauthorized accounts as well as unauthorized inquiries on my report. i'm lost on the fact that whomever was able to steal my identity/information, i was not aware of any accounts/inquires. The fraudulent accounts are as listed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, & XXXXXXXX XXXX XXXX. The fraudulent Inquiry are as listed : XXXX XXXX ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have my security freeze/suppression lifted from my consumer discloser report several times and it has not been removed in over a year. According to the fair credit reporting act this company is required to comply but has not. I have spent hours on the phone trying to get this problem resolved sent in documents etc but have yet to accomplish removing the security freeze or suppression from my consumer discloser report. This freeze is inhibiting my ability to obtain credit and putting a huge strain on my life
Product: Student loan

I was due to have my XXXX the day I graduated from college. As a XXXX year old college graduate a child was not in my initial plans, but strived to become a successful mother and start a successful career with my quality education. However, with the inability to find a job that would even pay for the time my child would be daycare my dreams of a career faded and I needed to find a job to pay for my bills month to month. Currently working XXXX jobs to try and pay the bills. With my grace period coming to an end on my loans I sought help from Navient & XXXX XXXX. XXXX XXXX was willing to let me pay interest only payments which I could afford. The only options Navient gave me were either pay the full payment or apply for forbearance. After several phone calls with the agency, countless hours on hold and so many tears of hopelessness it 's hard to see a positive financial life past my student loans. I do n't want to ruin the good credit score I have because I have a goal to buy a house for my daughter and I some day. I found it hard to believe my only option to pay my loan was either full payment or forbearance. I could pay one of my loan payments with the forbearance amount ... They explained to me that the payment option I chose when I started my loan which allowed my mom to make small payments while in college meant that I could not chance my payments post graduation. If this was properly explained in any fashion weather verbal or written communication with this company we would not have chosen this option. My mom was just trying to help me by paying a small amount each month. All of my private loans were originally taken out by XXXX XXXX, but XXXX of my XXXX loans were transferred to Navient during their switch. I spoke with someone in the Navient collection department who was helpful and informative about how to get my payments to the " level repayment '' or " workout program '', when none of the people I spoke with said even existed. He said these programs only accessible through an application and me missing payments ( which after missing 3 payments would effect my credit score and bring on weekly/daily phone calls from the company ). Though he was the only helpful person i 've ever spoken with through Navient he admitted that the process was not easy to get approved for. I have paper work, numbers and countless conversations with people I tried to seek help from. I saw your lawsuit and felt my story would be beneficial to hear from. 
I attended XXXX in XXXX XXXX Ohio. Graduating with a degree in XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

MY name is XXXX XXXX and I am a victim of identity theft. I have repeatedly attempted to delete these fraudulent accounts from my experian credit report. and they - experian have refused to removed these fradulent accounts from my credit report. I am a victim of identity theft and my information was used aginst my will to open FRAUDULENT ACCOUNTS. 

I have attached the FTC report to this document. THIS FTC report is a federal document. PLEASE delete, block and remove these fraudulent accounts from my credit report. 


For Proof of identity I have attached the following below : I have attached my social security card. 

I have attached my utilitu bill I have attached my state california ID AGAIN, because i am a victim of idenity theft I need these two fraudulent accounts removed NOT ONLY DO I WANT THESE ACCOUNTS REMOVED AND BLOCKED. 

bUT I WANT TO BE FIANCIALLY COMPENSATED FOR EXPERIAN REFUSING TO REMOVE THESE ACCOUNTS.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Balance {$92.00} Highest Balance {$92.00} Opened XX/XX/2020 ( XXXX yrs, XXXX mo ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX Closed No Info
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I applied for a loan through XXXXXXXX XXXX and I was denied and Equifax had sent XXXX. My credit score saying it was at XXXX. I have credit monitoring and mine says XXXX as of XX/XX/XXXX. So Equifax got me denied credit. I would like to know which one is the correct score and if thats the case, thats ridiculous. I am being denied credit.
Product: Credit reporting or other personal consumer reports

History of several disputes with XXXX and Equifax to investigate and remove inaccurate information. Please see all previous complaints made with CFPB as a reference and proof that I was a victim of these agencies sham investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently noticed that a reporting agency has been reporting a debt to the  XXXX  credit bureaus that is not mine. When I contacted the company, they can not tell me how this happened nor do they see anything related to my name on this account however we share a social security number which is impossible. The original account was opened in    1991  at which time was only  XXXX   years old. T his person is not a family member or a friend of my family. The only commonality between us is that she lived in the apartment I currently reside in.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told Experian, XXXX, and XXXX to reinvestigate these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However , they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify what isnt reporting correctly. 
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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I have been informed Wells Fargo XXXX account holders are entitled to a payout as part if a {$3.00} XXXX dollar settlement. I had a car loan with Wells Fargo from XXXX but no longer have an account with Wells Fargo XXXX I am submitting this complaint to see if I am eligible for a payout for being charged higher interest and fees.
Product: Credit card

I decided to do a balance transfer with Barclays US for a total amount of {$5300.00}. I called customer service XX/XX/XXXX to get additional information because I received emails saying the same balance transfer went through twice. Which also included the additional fee for the transaction. They couldnt provide me with information on how it went through twice considering my credit limit for Barclays is {$5700.00} and they did not increase my limit. They also did not reverse it even after I asked. They said to contact other credit card companies from where the balance transfer came from. My current total as of XX/XX/XXXX is XXXX and they have not reversed those charges or even made any changes to fees charged twice for the same balance transfer. Now my credit score has gone down in points because that card is over credit limit