23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, everything has to be 100 % accurate on my credit report. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

I have filed disputes in writing and electronically via XXXX XXXX and Equifax 's Dispute Center. To remove an old account. The account has been closed for 10 years. Equifax refuses to remove a XXXX XXXX XXXX XXXX account. According to their own website, closed accounts stay on credit reports for 7 years. The account hase been closed for 10 years. The website allows me to read info but no longer allows me to actually file another dispute regarding this old account. I have also contacted XXXX XXXX directly
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following account. Block and remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried multiple time to work with Experian regarding these two unverified bankruptcies on my credit report. Every time they state that this report was verified with XXXX Bankruptcy Court. XXXX Bankruptcy Court mailed me a letter stated that they never released any information to Experian, so I called Experian. The worker of Experian stated that they verified through a third party regarding my bankruptcy. Its again the law to do so. Experian only used the last 4 SSN to verify bankruptcy ... This is clearly a violation of the Fair Credit Reporting Act. Experian need to do their job right according to the Fair Credit Reporting Act procedure. Attached are all of the ruling and documents to support my claim again Experian.
Product: Credit reporting or other personal consumer reports

Greetings. I am submitting this complaint as a follow-up to my recent grievance, conveying my urgency earnestly. I am certain that none of these inquiries were authorized by me, and the associated addresses do not belong to me. For your convenience, I have itemized the details below and reattached my FTC report with the reference number # XXXX : -- -- -- -- -- EXPERIAN : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I recently submitted a dispute inquiring about the completeness and accuracy of an account on my credit report. They clearly failed to conduct a reasonable investigation. I have reason to believe this information on my credit report is still reporting inaccurately and incomplete. This is causing me a lot of stress and I am becoming depressed. Please help me I feel like my life is ruined. 

Please understand I am a natural person and I am the one submitting this dispute. This dispute is not being submitted by a third party!
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used to open fraudulent accounts. I found out around XX/XX/2019, when trying to apply for school and being denied loans. I received a free copy of my credit report to find that I had been a victim of identity theft. I immediately contacted the companies listed and was required to file a FTC affidavit, a CFPB complaint and a police report from my local department. All of that information was retrieved and submitted to all companies of fraudulent accounts. I disputed these accounts with XXXX, XXXX and Equifax, because the companies denied giving me information on these accounts, for the reasons of the information that I gave did not match what was recorded within their system. These accounts in dispute were removed because I supplied all required documents. The accounts have now been inserted back into my credit report XXXX  years later as a charge off. I am being held accountable for fraudulent accounts. I am resubmitting required documents as well as an updated FTC affidavit, and the original police report that was submitted during the time of removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Bankruptcy Case Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number XXXX XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account XXXX : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account XXXX : XXXX, has violated my rights. 

I have already disputed these items with the bureaus, but they did not remove them, nor prove validation. 

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

I normally monitor my credit through   XXXX   XXXX  ,  XXXX   XXXX   XXXX  and now   XXXX   XXXX  . I noticed that there was a social security, address, name  ( s )  linked to my credit that were not mines. After speaking directly to the credit reporting agencies they removed the social along with the address. However,  XXXX  of the names remained on my credit. The agency explained that they were unable to remove the name because it was linked to a account and I will need to contact them directly. After contactin g one of t he companies I brought up my complaint and their response was " the account is to old to do anything and it should come off soon anyways '' but like I explained its showing as a bad report. Plus the card was closed and re-opend under a different name. She stated there was nothing they can do about it! And to this day I still have  XXXX  different names linked to my credit report under personal information incorrectly! The only thing that changed was my maiden name! In my credit report and apparently linked to my account (  s ) A nd also I am unable to pull my credit report directly from   XXXX   because its unable to verify my identity. Please I need someone to fix my problem. I already filled a complaint for the credit card agency. But I was this problem resolved on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXX XXXX serveral times and have completed all step in Experian email dated XX/XX/2022 since i have started the disputes. I have additional information for Experian review and i have sent XXXX XXXX this Information also. XXXX  XXXX has failed to respond to MY Request via mail and over the phone and it has been over 30 per Fair Credit Act. I have made server calls to their XXXX  Risk Manangment and tried to reach XXXX XXXX which they have stated no such person works for the company. XXXX  have continued to transfer my calls to a department that is not in operation. In XXXX I was able to talk to XXXX  supervisor of experian and she stated that no matter what proof i send in, that Experian is not willing to remove the account from my credit report. Over the years i have sent Experian Police reports, Affidavits, proff of address and my identification some of which i been certified mail. 

Also the last two times i Submitted complaints to the consumer financial bureau my credit score went down right after the complaints was filed decreased emails from epxerian. i do honestly believe that experian is doing this on purpose because i continue to file complaints on this topic. i will mail in the decreased emails with show the dates of the decreased which is right after the complaint was submitted. 

I have explained to Experian serveral times as to why i wanted to pay the account when i found out about car. As i stated to Experian i am a domestic violence survivor and wanted to keep my credit in good standing to find safe and suitable housing.
Product: Debt collection

Disputed the inaccuracies of XXXX XXXX XXXX on my credit report with TransUnion on XX/XX/19. Company received my disputes on XX/XX/19 as it shows according to the certified mail. It is now XX/XX/19 and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.
Product: Credit reporting 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 XXXX XXXX : XXXX, XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

After months of waiting for id verification to get my Colorado unemployment, i go to use my U.S.BankReliacard on XXXX, 2020 that had been loaded with XXXX $ but it said transaction denied. i called the XXXX number on the back of the card to be told my address doesnt match what they have on file but not only does it not match but it hasnt been changed ... Well if it hasnt been changed then it should be the address i provided when asked.. They therefore proceeded to tell me they can not give me any information about the account cause i cant verify my address, and to to to this website www.verify.usbank.com/ID and upload my ID and a selfie and within 1-2 business days someone from there '' offline team '' wil call me to reactivate my card.. Well its been 10 and they still have no update anytime i call. They say theres no way to contact the " offline team '' and their supervisors are just as not helpful as them. They hang up XXXX Ive faxed my documents and uploaded them multiple times.. I have no electric due to them freezing my card. I know have XXXX $ that i cant access and bout XXXX $ worth of bills unpaid. Im bought to lose my house. They are holding on to peoples money for what reason. I need my card reactivated now
Product: Credit reporting, credit repair services, or other personal consumer reports

For months I have been trying to have an account that I did not recognize and therefore was fraudulent from my consumer credit report. The account being referenced is from XXXX XXXX XXXX. I have disputed this account with the credit reporting agency several times, asking them to not just verify but validate that this account belongs to me. Each time I either received no response at all, for our received a very geneXXXX XXXX XXXX XXXX sentence response, which I can only assume is in auto response form letter that does not provide the information I requested in regards to how the account was validated. Specifically, what method was used, what phone number/address was used, who was spoken to, and what documentation was provided to them that allow them to reach this conclusion. Which is also required by law to ensure that they conduct a reasonable investigation, and not just be able to say whatever they want, but have to actually prove it. 

I have also reached out to the creditor that was listed on this account. Both by phone, and certified mail. By phone the individuals I spoke to informed me that they do not have any account by my name or by the listed account number on their records. So I sent letters via certified mail to the addresses listed for the creditors on my consumer credit report on Those letters were received on And as of this time I have not received a response from them. Which puts them out of the 30 days they are allowed by law to respond which makes the nail noncompliant which means this account must now be removed immediately. 

Here is a list of all the letters I have sent regarding this matter along with the dates they were sent, the dates they were received, and the response. 

Dispute sent to Experian XX/XX/2021, received XX/XX/2021. Response : XXXX ( Not XXXX ). 
Dispute sent to Experian XX/XX/2021, received XX/XX/2021. Response : XXXX ( Not XXXX ). 
Request for VALIDATION/INFORMATION OF DEBT sent to XXXX XXXX XXXX XX/XX/2021 XXXX received XX/XX/2021. NO RESPONSE. 
Request for VALIDATION/INFORMATION OF DEBT sent to XXXX XXXX XXXX XX/XX/2021 XXXX received XX/XX/2021. NO RESPONSE. 

You will find all of the letters mentioned above as well as an ftc report and XXXX data breach claim attached to this complaint. 

Thank you, XXXX XXXX
Product: Debt collection

I paid for my stay with XXXX with my XXXX XXXX card. 

The service was not as described the unit did not have air conditioning so after trying to resolve the matter with the merchant and get a refund to no avail, I had to file a chargeback with XXXX. 

This is when XXXX sent my account to collections *while the chargeback investigation was ongoing*. The Debt collection agency Cedars Business Services sent the validation letter to the XXXX apartment address on XX/XX/XXXX, knowing they I did not occupy this address any longer as I had moved out. This was even after I had sent them via email on XX/XX/XXXX explaining my new address. Fortunately I knew enough about credit protection laws to dispute the debt without the validation letter. However, this was intentionally misleading behavior from both XXXX and Cedars Business Services. 

The XXXX chargeback did not reverse the payment ; I have already paid the debt. So now XXXX is trying to double collect that money from me, while also engaging in questionable debt collection tactics. This is anti-consumer behavior : XXXX is breaking the Fair Credit Billing Act, which states that while a chargeback investigation is ongoing, the issuer XXXX not attempt to collect the disputed amount or treat it as delinquent. 

The company is intentionally intimidating me not to exercise my chargeback right as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give XXXX permission to furnish this information onto my credit report. This is a violation of the credit reporting act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number.
Product: Debt collection

I moved from XXXX to XXXX in XX/XX/XXXX. My old cell phone company at the time ( XXXX ) did n't work at my new home, so we reached an agreement to quit my service so I could switch to a cell phone provider that works. Since XX/XX/XXXX I 've had XXXX, just passing my 6 year anniversary with the company in XX/XX/XXXX. In XX/XX/XXXX Convergent Outsourcing Inc which I believe to be located at Convergent Outsourcing , Inc . 
XXXX, XXXX, XXXX, AZ XXXX, placed a collection in my account representing XXXX for {$520.00}. This practice of placing a false debt on someone 's credit reports is illegal. Even more illegal is misrepresenting the time period of account in question. The collection account in question has been placed on my XXXX and XXXX credit reports and has no representation of my credit worthiness, and I 'm now stuck with a sub par credit score and one of the worst possible statuses on a credit report. Because the collection is so recent, it factors deeply into my credit score and has caused me a burden of applying for credit in the future. 

This account needs removed from both credit reports as it is false debt that has been misrepresented by this company. 

I look forward to your response.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$XXXX} XXXX XXXX XXXX : {$XXXX}
Product: Checking or savings account

Because I am retired I have to file estimated taxes. In XX/XX/XXXX I wrote a good faith check to the IRS for {$2600.00} mailing it in an IRS envelope to their address Because of the delay for Covid they did not notify me until XX/XX/XXXX that they did not receive my payment and wanted me to pay it again plus penalties and interest My Bank, Citi Bank cashed the check in XX/XX/XXXX leading me to believe that the payment was made I got the check returned in my bank statement. But on examination of the check in XXXX Citi had cashed it to someone else not the IRS The bank will not refund that money into my account I fully believe they are at fault since the IRS normally endorse the check with numbers but this check was signed by two individuals so should never have been cashed by Citi
Product: Debt collection

A Company with the number XXXX calls my family and people who i have no real contact with looking for me about a debt my mom and i settled with bank of America over XXXX  years ago. i have no debts with bank of America and in fact have them as a bank still. they have called my family harassing them and former in-laws of my brother who i have no contact with. when i ask for proof of any debt they tell me they dont have to give me anything
Product: Debt collection

My Wife and are receiving constant calls from Direct Recovery Services. These are recorded messages stating they are collecting a debit. The message gives no other information. I am told my account number with Direct Recovery Services is XXXX. I have XXXX and the company and logged on to their site. The account number they give references a XXXX XXXX account I do not have. I do not have a balance with XXXX XXXX. My credit report does not show any outstanding balance with XXXX XXXX. I do not have an account with XXXX XXXX that matches the account number they provide at their website.
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. 
Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXXXXXX XXXX # XXXX & Account name : XXXX 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..
Product: Checking or savings account

In XXXX of XXXX, I noticed that I had received a Bank of America Statement that notified me that I had a negative balance on a Checking Account that I had not opened nor had I consented to open with Bank of America. I began tracing its origins and found an email from XX/XX/2023, at XXXX XXXX  that an " Online Application is in Progress '' and immediately after at XXXX XXXX  another email that " Your application was approved. '' On XX/XX/2023, I went to a Bank of America physical branch ( in person ) and asked an employee for help getting through to a customer service agent to help me learn more about this new account that I did not open. After talking to 2 different agents, in addition to the bank employee, I was finally redirected to the Fraud department. There was a case opened and they were supposed to close it without it affecting my credit score. As of now, the account is still open and I still receive paper statements over the mail. I have kept a close eye on my credit and have requested multiple credit reports throughout these months and nothing else has been opened. My conclusion is that Bank of America opened this account without my consent and has kept it open accumulating fees even after reporting it as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove fraudulent activity from my credit report, enclosed with this complaint is a copy of certified dispute letters that was sent out the Bureaus, I am fade up with this information being on my XXXX credit report, I had no XXXX idea that someone would do this XXXX too me. Delete this information please and send me a copy of my updated credit report. I am being ignored for some XXXX I had no knowledge about.