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

I had a credit card account with America first credit union and the account has been closed for years. I completed a XXXX  XXXX bk in 2018 and was showing closed but now as of yesterday the account is still showing as open. Called the bank and they said it shows as closed and to reach out to credit reporting.
Product: Checking or savings account

Around summer of XXXX there was a fraud alert on our capital one joint checming account. Previous to this there was tins of frauf wbich we kelt reporting and theybwould tske it off but then put it right back on. After a while we figured oit we were talking to criminals who were rerouting my calls ( have evidence of phine rerouting ) i dont think we likely ever talked to an actial clerk after XXXX. Capital one employees in person saif they had no power and all fraud cases had to be done by internet kr pbone we ecplaoned we were hacked and we could not possibly co taact the corrext peole. They shrugged. I XXXX i went thwre for a withdrawal afer we had gotten what would be our last tax return beflre all irs money started to be stolen. We were told there was a feaud alert and i could kot take out angbcash until it was taken care of. At tge time i had no phone becaise they constsny hacked my pbones and would steal my accounts I went inand used their phone and the giy asked to sleak to the clerk. XXXX clerk tols me that capital one no longer wanted to dk business with us and we should take out our money- sk we did. Many follow up calld later they would never gell us wby falling back on 'we dont have to " Mh wife and I had several accoj ts that were rampamt wotj fraud and after they were stolen my unemployment, irs refunds XXXX covid miney, and cbjld income tax were never receiced. On fCg zomeone reporrted we owed extra unteported income for XXXX was false so irs thinks we owe. I am hackwd every time i trg to do an id.me account. IRS agents do mot speak wirj me and sometimes hang up on me. I question this is even real as we get conflicting info online when my wife logs in.
Product: Credit reporting or other personal consumer reports

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the names and address listed below are not associated with my residence history and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692-1692p.

If you are not aware this entire claim is regulated by an arbitration agreement with *insert original creditor*, which clearly stipulates that " any dispute must be resolved through arbitration due to the binding agreement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I returned this vehicle back to them voluntary and they abandoned it because they said they wouldn't get any money from it. The Attorney General was involved in this issue and the circumstances involving this situation. They gave the vehicle to where it was located at and that was a garage. They know what they did. I don't owe them nothing. They are also are pertoary lenders and still under investigation of their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Un-authorized inquiries, accounts, addresses, names and telephone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am filing this complaint regarding a charge-off account reported by XXXX XXXX on my credit report, which I believe is inaccurate and improperly verified by the credit reporting agencies TransUnion Despite my previous attempts to dispute the validity of this charge-off directly with the credit bureaus, they have failed to provide sufficient documentation to validate the account or appropriately resolve the dispute. My concerns are as follows : Failure to Verify Information : The charge-off is listed under account XXXX XXXX, yet neither XXXX XXXX  nor the credit bureaus have provided the necessary documentation proving the validity of the debt, as required under the Fair Credit Reporting Act ( FCRA ). 

Violation of FCRA Requirements : The credit bureaus are obligated under 15 U.S.C 1681i to conduct a proper investigation and remove any unverifiable information from my credit report. However, despite my dispute, the charge-off remains without proper verification or supporting documentation. 

Improper Dispute Handling : The bureaus have marked my dispute as " resolved '' despite failing to address my concerns or provide adequate validation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to XXXX  and TransUnion Credit Reporting Agencies on XX/XX/2018 to challenge the reporting and compliance of a closed account reported reporting under account number XXXX with a balance of XXXX. This information is misleading and is reporting serious factual errors. My identification has been comprised and I am following the instructions of the FTC by thoroughly reviewing my credit and this is when I came across factual errors regarding the account status and account information. The company XXXX XXXX is reporting a partial account number, and this partial identification has hindered the completion of this process. This closed account that is reporting incorrect information it one of (2) accounts with the same account number being reported by XXXX XXXX and it is causing confusion and havoc to my credit and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This is the third time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 

My name is XXXX XXXX XXXX S.S. XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT EMPLOYMENT INFORMATION IS : RESIDENTAIL APPRAISAL My current phone number is : XXXX XXXX The following phone numbers are not wrong please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX HAVE RESIDED HERE FOR 3 YEARS ( XX/XX/XXXX-XX/XX/XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE this address IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX
Product: Debt collection

XX/XX/2024 received letter stating I owed an amount of $ XXXX to someone ( I believe a water company - one I did not recognize, nor the amount of debt ). I then wrote a letter, see attached, and it was delivered XX/XX/2024. I called XXXX and the gentleman gave me the correct phone number to OHIO branch for who can access my account. I was given XXXX to call TransWorld Systems to inquire that they have dismissed things on their end due to non-response. The first rep I called and spoke with today at XXXX stated that the company sent an inquiry for information to the original debtor on XX/XX/2024. I told the rep that since I had not received the required information back within 30 days, that this is no longer my issue and further action will be required. I was hung up on at this point and called back and got REP : XXXX. Explained what happened on previous phone call, the issue and was on hold the majority of the call. She said she was going to transfer me to manager, which never happened, manager told her that they sent out my validation letter on XX/XX/2024. I stated once again, it's past the 30 days, I never received any communication from the company regarding the supposed debt. XXXX stated they are requesting to send the letter again and I stated that if they resend this letter without verification that they tried to send it originally on XX/XX/2024 such as a tracking number or even via certified mail ( which I work from home and have a XXXX doorbell and no one has tried to deliver anything except USPS postal service ) that it still would be outside the 30 days and is invalid at this point. I told them I was making a complaint to this bureau and that it would be a violation if they continue to try to collect a debt.
Product: Credit reporting or other personal consumer reports

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the following from the Credit Reporting Agency -- -- - According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. I have complained many times against XXXX XXXX XXXX XXXX. They are included in this complaint but will undoubtedly and continually list this complaint as duplicate. They have yet to comply with requests for information or answer even one of the 75 complaints. This complaint is regarding two cars FRAUDULENTLY financed in my name, same dealership, same day. One car was financed with XXXX  XXXX XXXX  XXXX and the other with XXXX XXXX XXXX / XXXX XXXX. My credit was pulled on XX/XX/XXXX without Permissible Permission to check me out which then led to the two forged applications and contracts dated XX/XX/XXXX. One of the CRAs stated that lack of permissible permission is ok when credit was extended. CREDIT WAS EXTENDED TO THIEVES AND FORGERS NOT ME! I never had possession, use, or benefits. I have attached the XXXX  XXXX XXXX Docs that reflect application, credit report, and contract. I have attached the application and contract that I received from XXXX XXXX XXXX XXXX. XXXX XXXX refuses to send the credit report. Notice the application was incomplete and wasnt even to be processed! See all the differences between the two applications ; different salary and incomplete that should have never been processed. XXXX  XXXX XXXX realized the fraud, lack of Permissible Permission, and dropped the claim and removed the negative line from my credit report. Attached is letter from XXXX XXXX XXXX removing claim. However, XXXX XXXX XXXX XXXX refuses to answer any requests, complaints, nor send a copy of the credit report pulled on XX/XX/XXXX. The THEFT STARTED when XXXX XXXX XXXX XXXX did not have permissible permission to access my credit report. This is easy! and obvious and at a minimum lack of permissible permission. XXXX  XXXX XXXX XXXX will list this complaint as duplicate and ignore. I am requesting Transunion and XXXX  to live up to the FCRA, review the attached evidence, and remove XXXX  XXXX XXXX XXXX from my report IMMEDIATELY! This has been going on for almost 4 years. I have sent the attached documents over and over. So wanting another 30 days to investigate / review is ridiculous. I am XXXX, survived XXXX at XXXX  XXXX, was in the XXXX Tax Day Flood with 8, then all the theft, and then was in Hurricane Harvey Flood with 32, and this needs to end NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Validate of Debt Request XXXX First class mailed out : XX/XX/year> XXXX Date received : XX/XX/year> Mailed to : Experian, XXXX, XXXX Cost Amount : {$5.00} Reinvestigation : Validate of Debt request, Please supply how information was verified by furnisher, debt collectors, and original creditors. 

XXXX XXXX XXXX mailed out : XX/XX/year> XXXX Date Received : XX/XX/year> Mailed to : Experian, XXXX, XXXX Cost Amount : {$5.00} Credit bureau has been in non-compliance with my request, there is inaccurate information along with identity theft on my consumer report. I have attached all the documents submitted below.
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS XXXX XXXX XXXX 


MY ADDRESS IS 

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

15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Credco fcra violation and XXXX for not looking at the obviously mistake dropping my score under the required min to get approved
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up time to complain about being a victim of identity theft. You must remove/block any items that were 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. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax To Whom It May Concern : I was in the process of applying for new employment and housing and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts There is some inaccurate information reporting. 
XXXX XXXX XXXX Account number # XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are still showing on my report I've requested to have a fraudulent card open and used from XXXX  XXXX/XXXX  and it was ran again against my credit. Also other things are still been showing on all 3 credit bureaus that should not have even been placed and I asked to have researched and the disputes have come back stating they will have them updated and hard inquiries that I did not apply for. I have been monitoring my reports and see these being done and sent disputes and still nothing!!
Product: Credit card

I have a Wells Fargo Bank credit card since XXXX and sometime last in XXXX precisely, I got a mail that I have exceeded my credit card limit. Immediately, I rushed to a near branch in XXXX XXXX. Then I discovered some fraudulent transactions ( up to 12 different purchases ) done on XXXX shopping platform totaling {$2900.00}. I immediately reported it which they reversed initially and later returned back in my account. Someone called me and said that those transactions were legit, that i committed them by myself. 
Secondly, I applied for Expediate action with Police case # XXXX for the second time and they still rejected my complaint saying that I committed those transaction. Then I used my lawyer to write to them which they acknowledge but they still rejected my complaint. I do not know what else to do here
Product: Checking or savings account

XX/XX/year>XXXX  Could no longer use my Chase debit card or access my online account. 

XX/XX/year>XXXX  Contacted two representatives Chase representatives and was told they dont have to give me a reason for closing my account. 

XX/XX/year>XXXX  Went in Chase branch location XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. 
Talked to the banker, was told that they had 10 days to close my account and another 10 days to mail a check. 

I pleaded with multiple Chase representatives and no one tried to expedite the process to receive my funds. 
I am in the middle of a family emergency and theres nothing they can do to expedite the process.
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. 

XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.