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

Unauthorized hard inquiries still being reported after I confirmed that they were not authorized. 

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 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 have repeatedly disputed these accounts with the credit reporting agencies and have notified them if this information is not removed in 14 days my attorney will be filing a formal federal lawsuit regarding this matter. 

Account in question : XXXX XXXX XXXX Last reported XX/XX/2021 {$5800.00} Open balance XXXX XXXX XXXX Original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have been trying to solve this issue with the creditors and credit bureaus for awhile now and I have not getting any results or even an answer from anyone. This is my last resort as I am just trying to move on from this nightmare.
Product: Mortgage

First servicer went bankrupt, FDIC supposedly gave my mortgage to new service. 
I have asked numerous times in writing to verify if I owe any debt and to who. 
New servicer claims they are a creditor, however they sent me documents that I believe are not true. 
The allonges are very confusing. 
I do n't believe my payments are going to the right person.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. 
XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX BANK XXXX Balance {$11000.00}
Product: Credit card or prepaid card

Entertainers at a club got my wallet and charge several cards over $ XXXX. XXXX out of XXXX financial institutions credited the money back acknowledging the fraud. JPMCB ( Chase Bank ) refused to return the money that was charged without my authorization. I disputed it with them and they did an investigation. This investigation did not include acquiring a statement from me. The business who committed the fraud supplied credit card receipts which had scribbles as the signature that do not match my drivers license or passport signatures which I supplied to Chase at their request to no avail. I disputed the charges with them multiple times. They sued me and in court they could not supply adequate evidence so they dropped the suit without prejudice which means the account will stay on my credit. Ive uploaded a signed letter from the judge showing they filed a non-suit and backed out of suing me because they couldnt supply the necessary evidence to obtain a judgement. I have tons of evidence supporting my case. Ive disputed the account on my credit report and XXXX will not remove it because Chase keeps saying the information is accurate which it isnt.
Product: Debt collection

Greetings Sunrise Credit Services, You have furnished information on my consumer report as early as XX/XX/year>. I am unaware of this alleged debt. I did NOT receive the opportunity to dispute this alleged debt because I did NOT receive proper/any notification of the alleged debt. If in fact, you believe the proper notification was given, please provide the certified mail receipt containing my name, signature, and date, stating that I received this information. From the date of XX/XX/year> or prior to you supplying information to my report without my acknowledgement or written permission. 

As it stands you are violating many of my consumer rights by using unfair, deceptive, and abusive practices to collect an alleged/unverified debt, including Section 809 of the Fair Debt Collection Practices Act ( FDCPA ) and MANY MORE. 

Thank you for your prompt attention to this matter, Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2020 A dispute regarding a charged off credit card account was received by way of certified mail by the company claiming the alleged debt yet LVNV Funding LLC fail to validate the debt which is a violation of my rights under the FCRA Section 611 Part ( A ) ( 1 ).
Product: Credit reporting or other personal consumer reports

Experian is regulated by the FCRA and in occurdence with the FCRA. Experian must comply with The Privacy Act of 1974, 15 U. S. C 1681 a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers ' right to privacy. I have not verbally or given any written agreement to Experian that allows them to report or provide any information on any report pertaining to FIRST LAST. They have violated 15 U. S. C 1681b, 15 U. S. C 1681c, 15 U. S. C 1681e ( a ) ( b ) and being as though Experian has not received any written instructions from a federally protected consumer. Experian has stolen my identity under 12 CFR 1022.3. Identity theft means a fraud committed or attempted using the identifying information of another person without authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, I have a few accounts that have violated my rights. 

XXXX XXXX XX/XX/XXXX & XX/XX/XXXX LATE PAYMENT XXXX XXXX XX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX XXXX XXXX & XX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX ACCT XXXX XXXX & XXXX LATE PAYMENT XXXX XXXX XXXX XX/XX/XXXX LATE PAYMENT XXXX XXXX XX/XX/XXXX XXXX & XX/XX/XXXX LATE PAYMENT 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 1692 Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 XXXXXX/XX/XXXX
Product: Student loan

After not receiving the results I was expecting from the servicer assigned to my loan, I called Student Debt USA after seeing their Ad on the evening of XX/XX/XXXX. I spoke with XXXX XXXX. I told her about the student loans my husband and I have and asked about the PSLF program. We were advised to consolidate the loans. I have learned ( now 4 years later ) that this was bad advice since consolidating our loans disqualified me from receiving forgiveness for my loan. I am a XXXX and my husband is self-employed. I am now in the process of trying to undo this. About a month of doing business with Student Debt USA I made attempts to contact them but could never get anyone on the phone. When I finally spoke with XXXX XXXX, I told him that I did not appreciate doing business through text messaging. When I call them, I expect to get a call back. After numerous complaints to them about this, I continued to receive text messages and emails in lieu of a phone call. Whenever I call I get a voice message. Whenever I email, I receive an immediate message that says " Hi there! thank you for your recent inquiry with Student Debt USA. " We have received your email and will be in touch within 24 business hours. You can also text us at XXXX or call us at XXXX. Thanks, and please see our special referral offer below to make some easy cash! Regards, Student Debt USA '' I have filed a complaint with the XXXX on XX/XX/XXXX and so again I learned that this doesn't hold them accountable as long as Student Debt USA provides a response of which they did on XX/XX/XXXX. The only time we would hear from them is when it was time for recertification but if we ever have questions that is the problem. 
I sent an email to XXXX on Wednesday, XX/XX/XXXX and to The Processing Team XXXX on Thursday, XX/XX/XXXX. Today is Saturday, XX/XX/XXXX way pass 24 hours and I have yet to receive any response. I have tried to reach them at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX which is no longer in service.
Product: Debt collection

In review of my credit files, I noticed that there was a " collection '' being reported to all three credit bureaus from Portfolio Recovery. I wrote to Portfolio Revcovery on XX/XX/2022 in regards to a " collection '' account that they placed on my credit file. ( See attached letter ) They, in response sent a letter dated XX/XX/2022 stating that they had completed their investigation and established that the account was " valid. '' They also sent a " Simple '' invoice as their " Proof '' of validity '' which does not provide me with the information originally requested. 
( See Attached letter )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts with TRANSUNION and have requested they provide me with specific information pertaining to the accuracy of the information they are providing on my behalf on my credit report. I have referenced the FCRA guidelines in my attempts to get TRANSUNION to provide ONLY accurate information on my behalf and have requested them to send me specific information in regards to the accounts they are reporting on my behalf and the company has failed to provide me withe the information I request but has continued to report the information on my report as accurate or they will send me a request for information I have already provided to them in regards to verifying my identity. Not only is this company reporting information that is not accurate they have failed to remove information on my report in regards to a fraud statement that is inaccurate as well. I have sent the company a copy of a police report to verify that my identity had been stolen. I have sent a copy of the response from additional sources indicating they have NOT provided TRANSUNION with any information on my behalf as well. I have sent my request and demands via both regular mail as well as certified mail and this company is still reporting information that they have failed to properly verify. Transunion. Transunion has a fraud statement on my report that I wish to have removed because it contains a phone number on it that is known by individuals that have stolen my identity and it gives direct access to a phone number to anyone that pulls my report and my report can be pulled by anyone with my stolen information. Mi initial request for information verifying or removal of the accounts these accounts was mailed to TRANSUNION on XX/XX/2018. The accounts are XXXX XXXX XXXX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX and Bankruptcy Ch. XXXX. and XXXX ( XXXX XXXX XXXX  ) I have documented many of my request for information and have recieved confirmation via USPS that the company has received my written request. Some of the document numbers i have sent are document # XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting false information on my credit report. We have submitted 3 times now all documentation proving this to be true and accurate beyond refutable information at this current time. Here are the exact accounts they claim I have not submitted. XXXX Acct. # XXXX. Acct. # XXXX.. XXXX/XXXX Acct. # XXXX.. All three of these accounts were paid in full and came out of my checking account XXXX ending ... .XXXX. I will be submitting bank statements as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an FTC report because I found inaccurate accounts on my credit report and nobody would help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In due of respect Experian, XXXX and XXXX I like to purchase a new home in XXXX, California but because of credit reporting Agencies. 
I am having some issues because of Derogatory Remarks on my credit reports. 
1.XXXX  XXXX Services Charge off of {$11000.00} this vehicle was returned to lender and Lender Sold it in XXXX. A Natural Disaster of Covid19 Pandemic/ Disability Financial Hardship 2.XXXX XXXX  XXXX  Charge Off of {$6000.00} vehicle was returned and Lender Sold it. Natural Disaster of Covid19 Pandemic/Disability Financial Hardship 3.XXXX. Charged Off of {$6000.00}. Natural Disaster Covid 19 Pandemic /Disability Financial Hardship.

Lender didn't want to agree on payment arrangement of {$7000.00} a month so they went ahead put account as Charged Off. 

4.XXXX  XXXX Credit Card balance is Zero, 5.XXXX  XXXX XXXX  Credit Card Balance is Zero 6.XXXX XXXX Credit Card Balance is {$190.00} 7.XXXX  XXXX Balance is XXXX.. { Derogatory Remarks of Late Payment is not accurate as I never been late on payments.I filed complaints against Company and they Retaliate against me because of National Origin as a XXXX XXXX XXXX. 

Current Balances as of XXXX and my credit utilization is under the 26 % -21 % -Percents.. 

I am XXXX Lifetime, XXXX  and a XXXX XXXX XXXX Military Veteran With Honor and Respect Always.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX all have supposedly investigated my claim that : 1 )  XXXX XXXX of XXXX XXXX, XXXX. has placed multiple charges as individual accounts, thus overly diminishing my credit & scores. My investigation is, they are all charges to one account. Furthermore, I never had any prior knowledge of them before I found them on my credit. I have no obligation to pay same. I have never been sent a bill for them, therefor, they, by law can not be placed for collections on my credit record.

2 ) None of the three, Experian, XXXX or XXXX have the same amount of collection accounts posted to my credit report. Each has deleted or removed one or more of them. Thus, none of them are getting truthful posting info from XXXX, so, how can they take XXXX 's certification that they are posting true and accurate charges against me? 
I have questioned this Certification each time they come back from investigating my disputes with their replies that " they have checked with XXXX and they have certified to them they are correct '' so no changes would be made. 
If XXXX was being truthful, they would have never eliminated any, or, they would have left the totals the same and combined them into one account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, and I have right under 15 USC 1681. 

XXXX is governed by USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and did not give XXXX, XXXX, and Experian written permission to furnish these accounts. I reached out about my accounts and wrote letters that have not been deleted. I sent a letter to XXXX, XXXX, and Experian here is my tracking number... However, the credit bureaus said they completed an investigation and everything is 100 % accurate. 

I also have received removals from one credit agency but not the other agencies. In accordance with the Fair Credit Act, everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The grounds for removal they also violated my rights under 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 instruction XXXX  ( both accts ) Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both accts ) XXXX
Product: Credit reporting or other personal consumer reports

I am seeking to have the XXXX XXXX account in the amount of {$2300.00} removed from my credit report. I disputed this and advised XXXX XXXX that I do not owe this debt. XXXX XXXX  referred my Account to XXXX XXXX XXXX  and due to jurisdiction issues XXXX XXXX XXXX brokered this to XXXX XXXX XXXX XXXX. I tried to resolve this with all XXXX companies to no avail. I was taken to civil court twice by XXXX XXXX XXXX XXXX representing XXXX XXXXXXXX. The first court date was postponed allowing time for XXXX XXXX to return with proof of the debt. At our final court date ( a trial ), XXXX XXXX did not provided any evidence that I owed this debt. XXXX was ordered in my favor and the cased dismissed with prejudice. Please find included a copy of said judgment. I spent XXXX days missing work to attend these court dates. I have sent multiple letters, emails and made many phone calls attempting to get this item removed from my credit report. 
Please remove this account from my credit report as I do not owe it. I have explained this via certified mail to XXXX XXXX, XXXX, XXXX and Experian.
Product: Money transfer, virtual currency, or money service

I made an online bank transfer from my Union Bank account to a third party account at XXXX XXXX XXXX XXXX. Amount was for {$3500.00}. I made the transfer on XX/XX/XXXX. As it was a holiday, the bank scheduled the transfer and said the process will take 2 days. 
Money was taken out of my checking account on XX/XX/XXXX. As of XXXX Pacific Time on XX/XX/XXXX. The beneficiary still claims to not have received the funds. 
I made several contacts with my Union Bank and they insist it usually takes 3 business days and to wait. They said the online method I use for transferring the fund was via External Transfer and not a wire transfer. They couldnt even supply any financial tracking reference numbers or records showing the amount has been transferred and to the proper account. They said that if by XX/XX/XXXX the beneficiary hasnt received the fund, I should make a dispute claim which can take 7-10 business days to return the funds. I feel this is taking advantage and unfair on the consumer as they need to be responsible and accountable for handling your funds.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, an I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX, XXXX, XXXX XXXX is breaking the consumer law pertaining to : XXXX XXXX ACCT # XXXX XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX XXXX CARD HOLDER!
Product: Credit reporting or other personal consumer reports

Equifax 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 ( CFPB ) has recently filed a lawsuit against Equifax alleging systemic issues such as failing to forward customer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where 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 Equifax inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XX/XX/XXXXXXXX Balance : {$5000.00} XXXX XXXX Balance : {$970.00} XXXX XXXX Balance : {$4300.00} XX/XX/XXXXXXXX Balance : {$610.00} XX/XX/XXXX Balance : {$1900.00} XXXX XXXX Balance : {$8500.00} XX/XX/XXXX XXXX Balance : {$21000.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt is being reported as a charge off. I have not been supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, therefore any such debt in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed the account on my credit report. I disputed and XXXX XXXX responded with US Patriotic Act ( which details for the company to keep records ). 

XXXX XXXX has not validated or verified the account is mines.
Product: Checking or savings account

My rent payment is automatically paid by US bank from my checking account to be delivered by a certain, specific date. The bank states that it " guarantees '' the payment to arrive.always by this date. Starting last year, I received late fee from my rental management company. I contacted US Bank bank about it several times. They first offered to reimburse the fees but never did. Instead, they sent letters to me and the rental company- with some wrong dates. I contacted them and acked to correct the dates. The bank stated they would- and I never heard from them. Starting this year, I was charged a late fee every single month ( XXXX, XXXX and now XXXX )- for supposedly the payment arriving late - which continued to be sent by the very same BillPay - al the time- the same date to be delivered.
Product: Bank account or service

I wrote a large check to my son who is a student at XXXX University in XXXX. He opened an account XX/XX/XXXX at a local Chase branch ( XXXX ) with this check. On XX/XX/XXXX Chase took the money from my bank. Instead of depositing the money to his account they closed his account " due to recent activity ''. He complained, they called me. I verified I wrote the check. This happened on XX/XX/XXXX. They said they would reopen his account and deposit the money. It is now XX/XX/XXXX they have not deposited the money and apparently have no intention of doing so.