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

My issue is not addressed so I just chose one at random. I want to know WHY these bureaus are allowed to manipulate our credit and destroy us with no accountability? 
I have screenshots of where they lowered my score and there is no excuse for this. 
I have an identity theft a few years ago and it nearly destroyed me. I have just recently completely paid off all of the derogatory credit and paid all collections. I paid all credit cards down to a bare minimum balance and some to zero. Also, the bureaus are VERY careless about attaching negative items and such to reports without verifying that they have the right person. I have addresses reported in states that I have never even visited, as well as addresses of relatives and acquaintances that show as mine. 
The only thing left hurting me is a 2015 bankruptcy ( which was result of the identity theft ) and I have student loans from law school that will never in my lifetime be paid. 
I believe that I should have a hardship discharge from all these student loans since I was lied to by the school. and since I am XXXX years old and can no longer work because of health problems. 
However, that aside, these bureaus are destroying us because we have to pay so much more for car insurance, home insurance. It will keep us from getting housing if we need to rent, as well as so many more discriminations because of poor credit. A lot of people have poor credit through no fault of their own. This is unacceptable and it needs to be stopped.
Product: Money transfer, virtual currency, or money service

I have been notified that I owe debit and Ive never made a account with this company and now I cant access the account anymore
Product: Student loan

Every two months, Wells Fargo loses my online account info and locks me out. They also " lose '' the contact info I call every two months to correct. And although they record calls, they hang up if I tell them I too am recording the call to protect myself. I called back and again informed them I am recording the call and the woman told me " then I ca n't talk to you. '' When I asked for supervisor, she put me on hold. An hour ago. I am still holding. I am completely at their mercy!
Product: Credit card or prepaid card

XX/XX/2023 someone tried to open a Target XXXX online with my information. They used my maiden name, my old address, they had my social security and my current phone number listed. I had placed a freeze on my credit last summer since someone tried to file an unemployment benefits claim with my maiden name. XXXX provided an incomplete investigation. I filed a police report for that fraud last year. Due to the freeze, the credit card application resulted in an instant denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior Ticket - CFPB # XXXX History attempt to correct wrong address, missing address, wrong names with TransUnion. 
I followed their directives sending a package with copies of documentation requested to verify my identification along with a typed list of all rental/addresses listed chronologically, clearly identifying missing address such as XXXX XXXX XXXX, another address erroneously listed twice, the same address once with apt . XXXX and second time apt XXXX for XXXX XXXX XXXX, XXXX ( to keep only XXXX second one apt XXXX must be typo ) and wrong names added with middle initial B not mine never done business with middle initial B, and my last name starting with " H '' initiated most likely by a creditor promoting their business. Why would I keep a name in my credit report that was created erroneously by a credit card company on my credit report when I have NEVER OWNED it, NOR DONE BUSINESS WITH? ... 
After going out of my way, investing time, money ( to do copies, buy stamps, to this date, I have not received a response confirmation that it was corrected ... more than a month now. And find out that without correcting my credit report, they close my case?
Product: Credit reporting, credit repair services, or other personal consumer reports

Guys I highly believe that with all of my efforts of disputing since last year, that Im being willfully violated regarding my credit. I disputed my credit report for all accounts in XX/XX/XXXX after having to apply for a mortgage for my family to have a place to stay. I was being turned around because all of the accounts that are being charged in my name. I requested an investigation and original proof to be sent to me. I got absolutely nothing back. Not only that I decided to send a re-investigation letter through certified mail on XXXX XXXX to all 3 bureaus and requested specifically that every date, balance, verification of debt, payment history and all be checked thoroughly again. However, there has been no correction only more reporting that arent the same across all 3 bureaus. Im now out of a home with my XXXX children and my wife and have no other option at the moment to get my own place of living. 

Im have over XXXX accounts from the same Creditor : Account Name : XXXX  XXXX XXXX Account # XXXX being reported on my credit report. They all show the exact same account number, but completely different Date Open, High Credit, Payment History, Date Last Active, and more. Then theres XXXX more accounts with the same account number under XXXX  XXXX name, with lots of blank data from all 3 bureaus. 

XX/XX/XXXX is the oldest account under the names which is already XXXX  years of age and the oldest account being reported is XX/XX/XXXX which is XXXX  years of age. 

Again, its been few attempts to hear back from them. 

Section 607 ( b ) by FCRA ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I saw on the CFPB bulletin for XXXX XXXX, that theres a requirement from the FCRA for CRAs to investigate all relevant information regarding a dispute. And there were XXXX things listed as requirements that has not been upheld regarding my credit safety as a consumer and citizen. 
Ive been mistaken for other XXXX XXXX continuously, but this time it actually cost me housing and denial from banks and damaged credit. 
Im requesting monetary relief per violation ( and the willful violation ) and for the damages that were caused and money spent trying to fix the same issue multiple times.

15 USC code 1681n ( a ) ( 1 ) ( A ) Also, consumer reporting agencies must Correct or Delete any inaccurate, incomplete or unverifiable information within 30 days. And according to the FCRA everything must be 100 % accurate. 

I will attach both proofs of credit reports I pulled from XXXX XXXX ( in color ) and XXXX XXXX ( black and white ink only ) to compare if they thoroughly investigated and corrected anything. I will also list the tracking numbers below for the disputes.
Product: Credit card or prepaid card

Chase bank closed my account without my direct consent, in direct retaliation for reporting their mistreatment of myself as a customer to the CFPB. 

Per my first complaint, I clearly stated that my condition was to have chase confirm {$0.00} dollars owed and close the account. The language in this complaint is very clear, stating that I demand to have the account closed because I will not be paying chase anything else. 

Per her phone call " XXXX '' from corporate stated that they were simply following my request. This is absolutely false information, as here is the actual verbiage from my original complaint - " Chase bank will clear all debt in my name, and make my balance {$0.00}. They will THEN close this account, as I will no longer do business with this organization and I absolutely will not pay any more money to this organization. If THIS CONDITION is met, I will agree to hold Chase harmless for this issue, and continue with my lawsuit against XXXX XXXX without naming Chase Bank in any lawsuits. '' As clearly stated, these were not two separate conditions. Chase bank has unlawfully closed my account and permanently damaged my credit, as a result of their retaliation.
Product: Student loan

I attended a for-profit institute in XXXX XXXX, MI owned by XXXX Colleges. The XXXX closed them down and stated that what they did was against the law and they forgave our federal loans and we were told that the private loans that originated from XXXX, owned by XXXX Colleges and now UASXXXX, should clear those loans. I have stopped payments due to what the federal government has stated. They now call me and my mother everyday saying that we need to pay even though I talked to them and told them what the XXXX had said.
Product: Debt collection

I started receiving calls from XXXX XXXX XXXX  few months back [ around XXXX 2021 ]. Initially i thought it was a span call so avoided it. But around some point later when i spoke to they they told me i have a credit card debt for around {$1800.00}. They also added i had multiple purchase from XXXX XXXX. I explained i never opened an account with that bank. Matter of fact never heard of that bank before. Now they sold the debt to Midland Credit Management and they send me a legal notice. I am working with them and they asked me to open a fraud report in FTC and send it to them so that they can take the process further. 

Note : One of the bank representative told me when i had a legal purchase from my debit card in XXXXXXXX XXXX  in XXXX, Texas location they might have enroll me in an their credit card program from XXXX XXXX Bank and send to my then legal address. And someone might have stolen and activate the card.
Product: Money transfer, virtual currency, or money service

Funds from my account have been repeatedly stolen. First it was XXXX fees or frees from different stores I was not shopping at. I contact cashapp and it took weeks to receive a {$10.00} creditsomething small. I put {$50.00} on my card and almost SUDDENLY there is an ATM transaction & I can not see the remaining balance. I did not take out the atm transaction and i have my physical card. VERY confused
Product: Checking or savings account

My experience with Wells Fargo has been frustrating and disappointing. They hit me with erroneous overdraft fees that I didnt deserve, charged me monthly fees that were supposed to be waived. It felt like they were more focused on taking advantage of their customers rather than providing the reliable banking services I expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that a closed account is inaccurate that I did not authorize.I would like this accounts immediately remove from my Experian and XXXX credit report : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date open for XXXX : XX/XX/2022, Date open for Experian : XX/XX/2022. Both are reporting different dates, I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 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 corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I have tried so many times to remove this bankruptcy from my credit report. This bankruptcy was filed by my ex husband, to try and save a property that i wasnt aware that was under my name. At first i thought that the bankruptcy was my moms because we have the same name but now i realize what really happened.
Product: Checking or savings account

XXXX XXXX : BREACH OF TRUST ; Huntington Bank XXXX XXXX XXXX, Michigan XXXX, denied my transaction of depositing my Authenticated Negotiable Instrument into the Trust account which is deceptive business practices and a violation of TITLE 15 USC 1 and Bank Secrecy Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I verified with XXXX XXXX XXXX that they have already notified all three credit bureaus of the status of a collection account, they verified with me today that a letter was sent asking that Account # XXXX XXXX {$820.00} be deleted from my file and that the account has been paid in full. I also recieved a letter stating the account has been resolved. XXXX  sent letters out on the XXXX it is now over 30 days and according to the FCRA " Consumer-reporting agencies must correct or delete information that is inaccurate, incomplete or unverifiable within 30 days '' Because it is now over 30 days I kindly request that this account be removed immediatly from my credit. This inaccurate account is currently reporting on XXXX, Equifax, and XXXX. There is another very logical issue with this account being reported as all three reports state that this account was last reported of XXXX XXXX, which means the credit bureaus have choosen to keep this inaccurate account on my credit file even though XXXX  is no longer reporting it. This is both completely unacceptable and is also a violation of the FCRA. Your immediate attention to this matter is most appriciated. XXXX was 48 days ago!
Product: Student loan

Ever since Navient stole my student loans it has been a nightmare. No person at Navient has any idea what is going on. I get emails with no information. I get emails telling me to login and view documents. No documents to view. I get emails telling me I have a new payment. I login and alas, no new information. I call the XXXX number and they are clueless. What congressmen got a bribe for allowing Navient to exist???
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to get information on why the mortgage with this company is still reporting on my credit report. This debt was obtained in the name on myself and my ex-wife. Since then we had been divorced and the mortgage has been taken over by my wife. I had submitted a quit claim deed and was told by the services that I will no longer be obligated for the debt on my account as she assumed the loan. Every time that I call them since this transaction happened, they state that I am no longer on this loan when the loan number is provided to them. They state that they can't find me anywhere in their system by social security number or name. When I provide them with the full account number, I am told that this loan doesn't belong to me and that they can't provide me any information on this loan. I've also called the company directly with my ex-wife and my current loan officer and was told that they can't verify that I have any liability to this loan. I've stated that this is impossible because they are still reporting negatively to the credit bureaus and that improper handling of the payments on this loan that my wife has made has made it impossible to acquire new financing. They still can't provide any information on why it is reporting this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureau about 3 times disputing rent recovery. after sending the third letter with confirmation number XXXX after 3 attempts trans union had failed to remove rent recovery which is an unverified/unproven account. they have failed to provide the description of the procedure used to determine the accuracy and completeness of the information. they also claim to not be the one responsible to provide me with a copy of any documents bearing my signature showing that I have any legally binding contractual obligation to pay them the exact amount claimed. I informed them in writing that I do not consent to XXXX XXXX or any automated response. they have refused to provide their method of verification.
Product: Money transfer, virtual currency, or money service

The scammer created a fraudulent bank account XXXX XXXX, XXXX at Discover Bank. XXXX XXXX, XXXX is a legitimate company that submits a monthly invoice to XXXX XXXX XXXX XXXX. The scammer intercepted an email from XXXX XXXX XXXX, the owner of XXXX XXXX XXXX XXXX and changed the receiving banking account information by submitting another email using email account XXXX. 

On XX/XX/23 XXXX XXXX XXXX transferred via XXXX XXXX XXXX XXXX XXXX {$11000.00} to the fraudulent bank account at Discover Bank
Product: Credit reporting or other personal consumer reports

I did not ask to have alleged debt verified, or if said debt collector felt correct in it actions of reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which may include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney.

My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, convergent you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections.

You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that congress defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under 1681 N civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit collection called XXXX XXXX XXXX in XXXX has inserted the account account that was deleted back on the credit report. The information that they have on it is no longer valid. It has been on my report for more than seven. It violates my rights under the Credit Bills of Rights. They are claiming its current. I never had a payment plan. It was never discussed. I have never had a job, and I am XXXX. 

Equifax is refusing to comply with deleting the inaccurate debt collection from my report. 

I am homeless and in need of housing.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXXXXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was incorrect because my payment was made on time. My bank confirmed that the payment was processed on the due date, but due to a delay in XXXXXXXX XXXX XXXXXXXX 's payment posting system, it was mistakenly marked as late. I provided the following evidence to support my dispute : A bank statement showing the payment made on the due date. 
A payment confirmation receipt from XXXXXXXX XXXX XXXXXXXX indicating the payment was processed on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
Affiant Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : XXXX XXXX XXXX XXXX ( A ) ( i ) XXXX XXXX XXXX ( b ). 
The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Debt collection

Received a alert from a collection company that is trying to collect a debt that is not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I sent a dispute to Transunion and all items in question were deleted. As of the credit report received on XX/XX/2022, I found a deleted account that was reinserted on my credit report. This is a violation to my rights according to 1681i ( B ) ( ii ) - A written notice of reinsertion must be given no later than 5 days after the reinsertion and 1681i ( B ) ( i ) - Information cant be reinserted without the information being reported 100 % complete and accurate