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

CFPB. These Credit Reporting Companies have issues being accurate. XXXX asked for a police report from one of my prior disputes I mailed in to them. I don't think they have responded to the last complaint that has the letter from the alleged Law firm listed on the Bankruptcy record. 

I do not have a bankruptcy! its very clear that XXXX, XXXX, and/or whatever automated method these credit companies are using is inaccurate. Information systems and records are known to be inaccurate and more than 75 percent of credit reports have inaccurate information. They should err in favor of the consumer not the creditors! 

I called the court and they said they do not report to Credit Companies, so how have you been verifying this record? Its an obvious lie. You all have only been doing automated responses from online systems that obviously are known to have inaccurate records. Yet you use it as an excuse to retain the damaging false reports on my credit file. The Lawfirm, and the Lawyer listed on the inaccurate bankruptcy records deny ever having me as a client after they reviewed my identity documents. You can call them and they will tell you also! If you did a proper investigation, you would have learned this years ago! 

I have included the identity theft police report for them along with the documents that prove that the bankruptcy they report on my credit file is NOT mine! If the lawyer and lawfirm confirm that I was NOT the client they represented this should be quickly believed and deleted. Stop being so desperate to make my subprime and sell my data to predatory lenders so they can charge more interest! Delete these records NOW! 

Please move on and stop being so XXXX. You all are wrong for reporting this. Just resolve the issue and keep it moving.
Product: Checking or savings account

I opened account on XXXX with {$25.00} those founds were available when I received my debit card on the XXXX which I used on the XXXX to make a purchase. Also on XXXX I deposited my pay check via mobile app. These funds have cleared my employer bank account XXXX XXXX on the morning of XXXX. After I questioned why the was holding my funds until Tuesday the XXXX via phone call on the XXXX they blocked my account. When I call to find out why they will not give me a reason other than review. I asked why they waited until I deposited my check to place under review they will not give answer. Asked to speak to supervisor they place you on hold for a few and say well there not available they will call back yet I get no call back. I said I need the supervisor now please they said we can hold the line for XXXX minutes after that I have to disconnect. After XXXX minutes she came on sorry no supervisor available call back tomorrow have a good day and hangs up. You already have to wait on hold for someone to answer for XXXX plus hours I believe they are stealing peoples money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputes multiple times about these items which they come back saying it's accurate. XXXX XXXX is not reporting it, but they come back saying they get these information from them. Because of this information i keep having a hard time getting credit from creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX # : XXXX XXXX XXXX  XXXX XXXX : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Experian just lied and stated that the information was correct and validated by the us Bankruptcy courts which in turn is not to be true Ive continually tried over and over to have them properly investigate and remove this item under 15 U.S. 1681A2B
Product: Credit reporting or other personal consumer reports

For some reason my credit report from equifax by XXXXXXXX XXXX XXXXXXXX was marked for collection with an amount of {$2400.00}. However the orginal creditor University XXXX XXXX XXXX has already canceled the debt that was owed? Attached to this compliant is my Copy B form from the 1099C iv recieved on XX/XX/2024 from University XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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

XXXX XXXX XXXX ACCT XXXX {$1000.00} is reported as a Charge Off. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the agency, rather than investigating, they toss the issue back to the agency who then continues to report erroneous information.
Product: Debt collection

Over 10 years ago I was in a dispute with XXXX XXXX and settled a debt with them for less than they said I owed. They then sold the remainder of the " debt '' to one debt collector after another to this day. To the first debt collector I sent proof I had paid the but, since it was not the amount XXXX said I owed, they would not take it off my credit report. It has then be passed from debt collector to debt collector for years. 

Recently it showed up on my credit report again from Jefferson Capital. I told the company that it was paid and that the debt was well over 7 years old. They reported it to the Credit Reporting agencies as a debt incurred in 2021 even though it is much older. 

I wrote to all XXXX major Credit Agencies, telling them it was over 7 years old and had been paid in a settlement, but Jefferson Capital continues to report to them that the debt is from 2021 and refused to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not getting any responses from the credit bureaus despite of several dispute I sent them for the past few months. These are the accounts I sent them for dispute : XXXX  XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX | XXXX  Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I asked Equifax to remove 3 fraudulent accounts that appear on my credit file. These accounts are now closed but they still are damaging my reputation as a consumer. I have Identified this accounts as follow. 

Account : Account No. Account Status XXXX XXXX XXXX XXXX XXXX closed XXXX XXXX XXXX closed XXXX XXXX XXXX. XXXX closed XXXX XXXX XXXX has removed this accounts from my file within 4 days after I notified them. 
I will ask Equifax for the 2nd time to remove this fraudulent accounts from my credit file. 
by not removing them Equifax is in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) (  a ) Block. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 
I have included in my first dispute a copy of XXXX XXXX County Police Department Case Report - XXXX which I am attaching to you as well. In response to my first dispute, Equifax is saying that they need to verify identification I enclosed my Virginia Drivers license and Social Security Card which I am attaching to you now. 

the bottom line is Equifax is giving me the RUN-AROUND and are failing to follow federal law FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) I have identified this fraudulent accounts that must be blocked within 4 days after you have received my complaint. it's being almost a month and you continue to report this accounts in my credit file. 

Please, either provide me with strict proof that this is my account such as a signed application or contract or recorded telephone call or delete the accounts immediately. If you ignore this letter and do not delete the fraudulent account or do not provide strict proof this is my account I will have no other alternative than to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this Matter. 

I have attached the following Documents. 
1st. Dispute Letter to Equifax. 
Equifax response to my dispute XXXX XXXX County Police Department Case Report Virginia Driver 's License and Social Security Card
Product: Credit card

I was charged for international charges in XXXX that I did not make. I requested that the issue be resolved. They did not resolve the issue. Despite the account being closed, they keep charging me for charges I did not make on a card I never even activated once again for charges in XXXX. Please reverse all charges please mark the account as paid in full. Please reverse all fees associated with the Fraudulent charges. This letter will also serve as an official cease and desist for your continued harassment to pay for fraud and associated late fees/ charges etc... I will not pay for charges on this account. you are not not contact me any more through citi group or any third party agent.
Product: Credit card or prepaid card

Applied for a credit card through Credit karma, now I have hard inquiries, it lowered all my credit scores. Did not approve that!
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Credit Card Account Status Account is still delinquent status Capital One Auto Finance is Joint contractual liability I have asked to be deleted from this contract they have not done it yes. XXXX XXXX XXXX XXXX disputes after resolution auto. XXXX XXXX XXXX open account still payments are being made by financial counseling program still showing delinquent. XXXX XXXX XXXX is showing open debt was closed The have put this account into collection original XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX this account was discharged in bankruptcy XX/XX/XXXX Consumer disputes after resolution re-affirmation of debt. Capital One Credit Card delinquencies Capital One Auto Finance account was delinquent 90 days account was in dispute now resolved reported by provider account was paid off XX/XX/XXXX needs to be deleted Credit Bureau dispute.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XX/XX/year> XXXX XX/XX/year> Accounts : XXXX  XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

On or about XXXX 2016, I noticed that a Common Wealth Financial company appeared on my credit files, XXXX entries appear as ( Acct # XXXX ; Acct # XXXX, in the amount ( s ) {$910.00} ; {$750.00}. I requested that Common Wealth Financial validate the debt and send me a copy of the application that was used to open this account. They never replied back to the debt validation letter. Now, Common Wealth Financial is coming after me. I have continued to request that there validation and they continue to allow this to report on my files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries made under my social security number that needs to be removed. 
1.XXXX XXXX dated XX/XX/XXXX 2. XXXX  XXXX XXXX dated XX/XX/XXXX 3. XXXX XXXX dated XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXXXX/XX/XXXX 7. XXXX XXXX  XX/XX/XXXX 8. XXXX XXXX XXXXXX/XX/XXXX 9. XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX Subject : Dispute of Closed Accounts on Credit Report I am writing to formally dispute the closed accounts listed on my credit report. I believe that these accounts should be removed from my credit report due to inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681i, I have the right to dispute the accuracy of information in my credit report. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 8 ) requires that furnishers of information must conduct a reasonable investigation when I dispute an account. I contend that the closed accounts in question are either inaccurately reported or do not reflect my true creditworthiness. 

I am requesting the removal of these closed accounts for the following reasons : 1. **Inaccurate Reporting : ** The accounts do not accurately represent my payment history or the status of the accounts at the time they were closed.

2. **Lack of Verification : ** I have previously disputed these accounts, and the information has not been adequately verified as required by law.

Please conduct a thorough investigation of these accounts and provide me with the results of your findings. If you are unable to verify the accuracy of these closed accounts, I request that they be removed from my credit report.

I appreciate your prompt attention to this matter. Please send all correspondences regarding this dispute to my address listed above.
Product: Student loan

Navient is the absolute WORST company on planet earth. Not only are they incompetent and rude, but every time I call they just transfer me from one customer service rep or bounce me from department to department until I just give up. They acquired my loan from XXXX XXXX back in the beginning of this year. I had my account set up for automatic ACH payments with XXXX XXXX. Once Navient took over, they told me that my last payment I made to XXXX did not apply to them since they were a different company and that I was late on my loan and in collections. I explained that I paid XXXX and they told me too bad, I can go chase it down with XXXX but they would do nothing. I had to pay twice. Thereafter, they increased my payments from what I was paying with XXXX and refused to provide me with any information regarding income driven repayment. I have called countless times and they put me on hold and no one ever comes back. I have set up an online payment account with them and can not log in. When I try to log in it tells me my email address is not registered, I enter loan number and they tell me I have to call customer service. Then once again I hit a wall because no one helps me. Meanwhile, they are just destroying my credit while making it impossible for me to even make a payment when I try. This company is just awful!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in delete incorrect information with my credit report with Experian.
Product: Money transfer, virtual currency, or money service

Im writing to formally expressed my concern regarding Zelle handling of disputes particularly in light of the recent CFPB lawsuit highlighted significant issues with the platform despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claim adequately they informed me that the recovering loss funds was impossible and tracking these transaction was infeasible the CFPB finding indicate that Zelle has not only neglected to protect consumers but also allowed repeated offenders to exploit the system leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and right seriously concerned about customer safety
Product: Student loan

I signed a contract with Equitable acceptance for student loan management at the time I did not know that they were fraudulent company. In order to cancel my contract and I want me to pay an additional {$1000.00} to the nearly {$600.00} that I have already paid them. They are threatening to report me to the three credit companies and my credit score will be negatively affected. I already have a pretty bad credit score so this is not helping situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$49000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

On XX/XX/XXXX, i made a bank transfer of {$2000.00}. I have a debit ( checking & savings ) account with Navy Federal Credit Union. I also recently opened a high yield savings account with XXXX XXXX, a subsidiary of XXXX XXXX. I recovered money on the 31st, so I wanted to put it in my savings account at XXXX. I went to transfer {$2000.00} in my NFCU app, and saw I had an external account linked, figuring it must be my XXXX savings account. However, after I transferred the money from NFCU to what I thought was my XXXX savings, I went back to see why I hadnt received the transfer, and I realized I had a fraudulent account linked to my NFCU app. The fraudulent account was listed under external accounts, and it was titled XXXX, which I shouldve realized, but it being only one letter off from my real XXXX bank account, I just didnt notice. The last name on the fraudulent XXXX account was also spelled wrong. Once I realized, I immediately called my bank ( NFCU ) and submitted a fraud claim on the XXXX  of XXXX they got back the morning of Monday the XXXX, and denied my claim since I was responsible for the transaction. However, I wouldve have been able to mistakenly transfer that money if Navy Federal had alerted, flagged, or even notified me that a separate account had been linked to my debit information. I called navy federal back for more help, and they told me to call XXXX. I called XXXX, and they told me to call NFCU. Both were severely unhelpful and both said could not assist me any further. Further, NFCU I believe removed the fraudulent account from my app, so I can no longer see that account information. Also, Now XXXX is telling me that account I transferred money to doesnt exist. This is {$2000.00} that was pending, processed, and cleared. It had to have gone somewhere. I just need help, XXXX is a lot of money especially as a full time student.