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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX AXXXX XXXX  Opened : XX/XX/XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$470.00} XXXX  XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX Balance : {$2500.00}
Product: Credit card or prepaid card

I went to buy something at Best Buy they opened up a card and charged it on there. I never received the card or any statements. I went to Best Buy and paid what I owed, they told me what the balance was. I then started getting calls from Citibank about Best Buy but my understanding I paid what I owed. Never had a physical card from them or any bills. I had paid whatever was open at Best Buy in person. Now theyre charging me with fees on top of fees and dont care about my situation it is not just.
Product: Debt collection

They call and call no answer and I never sign any contract with this collection agent! By law if I dont sign any contract with this agency this need to be removed from my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Transunion still reporting incorrect debt that has been settled and I am no longer liable for. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Toyota Financial and the credit bureaus requesting them to remove two vehicle loans that are now closed but reflecting late payments ; however, my divorce decree property settlement states my ex-wife is responsible for these account balance since 2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XXXX XXXX XXXX ; {$190.00} Balance This account in collections with XXXX XXXX XXXX is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and XXXX XXXX   XXXX have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general in XX/XX/2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by XXXX XXXX XXXX XXXX XXXX to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to each reporting agency for a resolution but was not able to achieve one. I have asked to send me copies of documentations to show that these depts belong to me but have not received any. I have sent information that I person by the name of XXXX XXXX XXXX is using my social security number. Below are the accounts that need to be removed. 

XXXX XXXX {$75.00}, XXXX XXXX XXXX {$280.00}, XXXX XXXX {$970.00} XXXX XXXX {$1500.00}, XXXX XXXX XXXX {$5700.00}, XXXX XXXX {$1000.00} 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 XXXX5 USC 1681.

Account name and number of Closed accounts that needs to be removed.

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 repot containing any of the following items of information Any other adverse item of information, other than records of conviction 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

On XX/XX/year> I purchased a reclining love seat from XXXX XXXX in XXXX, SC in the amount of {$3100.00}. {$2500.00} was charged to a newly opened XXXX XXXX credit card and the remaining on another card. 
XXXX XXXX recalled the reclining loveseat in XXXX and asked customers to unplug it because its a fire hazard. I have been waiting for a technician to fix my furniture since XXXXXXXX XXXX and have been unable to use it for fear of it catching on fire. The XXXX XXXX & customer service has been extremely unprofessional and simply do not care. Their documentation says to request a repair by calling XXXX. They continue to ask for photos ( which I submitted ) yet do nothing with the information. 
I didnt want to incur interest and paid off my account as soon as possible.
Product: Debt collection

I am receiving calls and texts message from a company that i don't know, how they have my information is unknown and I would like it to stop.
Product: Credit card or prepaid card

Discover closed my account ending in XXXX without warning. The reason was We have taken this action because we were unable to verify personal information on your account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Name : XXXX XXXX XXXX Name : XXXX XXXX -> I need all three bureaus to report my name accurately as the full name on my Social Security Number is XXXX XXXX XXXX XXXX. The following personal information is incorrect, I never lived there. Please delete it from my credit report Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect. I never lived there. Please delete it from my credit report Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I would like assistance in disputing a charge that is outside of the " 60 day '' time period. Last year I was contacted about working from home and I ended up paying several companies all connected several thousands of dollars for a website and related services. I have attempted to resolve them directly and some have refunded me but I am now realizing that the one company was not at all affiliated and just led me to believe they were and another has gone out of business. I have done my research and am now aware that the internet work at home business is nothing but a scam. I have been targeted and ripped off these companies because of their misleading and deceptive sales practices. It was not until I receive information for the Attorney General that I knew that I could dispute this under the credit card statute of Claims and Defenses. Please help me get to someone at Bank of America that is capable of handling this properly for me. The charges that I am requesting assistance on are : XX/XX/2019 - XXXX XXXX XXXX XX/XX/2019 - {$2600.00} XXXX XXXX XX/XX/2019 - {$50.00} XXXX XXXX XX/XX/2019 - {$50.00} XXXX XXXX XX/XX/2019 - {$150.00} XXXX XXXX XX/XX/2019 - {$3200.00} XXXX  XXXX  XX/XX/2019 - {$70.00} XXXX   XXXX  XX/XX/2019 - {$70.00} XXXX  XXXX  XX/XX/2019 - {$70.00} XXXX XXXX
Product: Mortgage

I applied for an FHA mortgage loan with Rocket Mortgage and submitted all of the documents they requested to get pre-approved. In return I was given a " Verified Approval Letter that stated the following : This is your official Verified Approval, backed by Rocket Mortgage. 
This Verified Approval is proof that your income, assets and credit score have been fully confirmed by our underwriters, giving you our most accurate evaluation of what you can afford. 
Since we have verified your information, you can be confident well close your loan. In fact, were so certain youll make it to closing, well pay you {$1000.00} if you dont.. 

Literally days before closing I was told my application was got denied and my loan did not close and I lost the house I was going to purchase because of it. The denial letter stated that my loan was denied due to unverifiable information and credit history??? Their verified approval is subject to Rocket Mortgage reviewing my credit history and verifying all necessary information so why did they give me Verified Approval Letter if they didn't verify everything and review my credit report? I spoke to XXXX XXXX and told her I wanted the {$1000.00} I am entitled to if my loan did not make it to closing as written on my " Verified Approval Letter and she said I was not eligible to receive it. Why? I did everything I was supposed to do on my end only to end up losing the home I planned on purchasing because Rocket Mortgage failed to do everything they needed to do on their end BEFORE giving me " Verified Approval '' Letter.
Product: Money transfer, virtual currency, or money service

Wells Fargo claims International Wire Transfers can't be refunded. I was scammed into making 3 installments using my savings account money, then monies unknown to me at the time, which were transferred from other accounts I had access to under my name but were my mother 's. My brother and I had rights to overseeing her checking and savings. 
No red flags signaled the banker to stop the transactions or question me further. They assumed I transferred monies in large amounts without even a warning, or if this was legit. 
The first date was XX/XX/2022, ( {$19000.00} ) then XX/XX/XXXX ( {$38000.00} ) then XXXX installment was done on XX/XX/XXXX ( {$19000.00} ). 
Along with these scams were others involving XXXX money cards and XXXX gift cards. The whole scam period continued for 10 days, with a confession from one of the scammers on the 11th day. They impersonated a Wells Fargo Fraud agent and a FTC Commissioner. I have made a police report and one with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXXXXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXXXXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX Account number : XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Product: Credit reporting or other personal consumer reports

Hello, I was checking my Experian, XXXX, and XXXX and the company XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX has report was updated to all three credit reports with different amounts, and currently still charging the account that was updates XX/XX/2024. XXXXXXXX XXXX says paid off but also still updating information to potentially in the negative which is causing the score to be low.
Product: Debt collection

IM A CURRENT CUSTOMER OF XXXX  WITH AN ACCOUNT ON GOOD STANDING ALWAYS PAID ON TIME!!! AND XXXX XXXX IS HAVING THIS COLLETION AGENCY NAMED IC SYSTEM COMMITING FRAUD ON MY CREDIT REPORT. REPORTING FRAUDELENT INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$31000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an auto loan with XXXX XXXX XXXX for a used car in XX/XX/XXXX. I had to voluntarily surrender my vehicle due to COVID-19 in XXXX. I made a settlement agreement with the company to pay {$2500.00} within roughly XXXX months. I recently paid off the closed account, in full of the {$2500.00}, on XX/XX/XXXX. The balance should be {$0.00} on my credit reports, but it is still showing that I owe a balance of over {$3000.00}. I have called each credit bureau to dispute the information and open investigations. I am in the process of mailing documentation to each bureau and XXXX XXXX XXXX credit department. XXXX XXXX XXXX claims they reported the balance to each credit bureau but it does not reflect that whatsoever. I am not receiving the help I need to resolve this.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to dispute discrepancies I saw on my credit report.
Product: Debt collection

I called the debt collector to see what this was about and I told them on the phone I had no check sent out. XXXX took their money for other XXXX purchases so I don't understand this debt check.
Product: Credit card or prepaid card

My Capital One Venture card was permanently restricted back in XXXX after missed payments. I had previously explained to Capital One that the missed payments were a result of my ex and my divorce and I was attempting to rectify, but they restricted my card per their terms and agreements and I am only able to make payments on the balance. 

On XXXX XXXX, XXXX, I was changed an annual membership fee of {$59.00} for the card. I have attempted to dispute this fee because I should not be changed a membership fee for a card that I can not user per Capital One. They are essentially charging me {$59.00} to make payments on a card THEY cancelled with an active balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I received an alert from my bank concerning a new inquiry from XXXX. I don't need another credit card and I went to my bank for guidance. They told me to call 1 of the credit agencies and I called Equifax to put a freeze on my accounts. I did and was told that he would alert the other 2 agencies as well. 
Today ( XX/XX/22 ) at XXXX I got a call from XXXX ( XXXX XXXX ). She informed me that someone was using my S.S. # and my credit report to obtain a XXXX XXXX in Utah. She gave me the application # ( XXXX ) and told me to file this report. She also told me that I needed a copy of this report and my I.D . to be faxed to XXXX ( XXXX ) in order to prosecute this individual. I don't know why? I'm the victim here. 
I was scammed for {$29000.00} on XX/XX/22 by a guy named XXXX ( XXXX ) and reported it to the FBI ( of which I haven't had and response from ) so I don't take any chances. I have changed all my passwords, scrubbed my computer, got a VPN for my devices and go to the bank as soon as I have a concern.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 

XX/XX/XXXX SS XXXX
Product: Credit reporting or other personal consumer reports

XXXX IS MISTAKENLY ASSESSING ME LATE ON MY CREDIT REPORTING. I ATTACHED PROOF OF MY XX/XX/year> PAYMENT. THEREAFTER, I ESTABLISHED AN ADJUSTED REPAYMENT PLAN IN XXXX XXXX  IN WHICH THE XXXX REPRESENTATIVE INFORMED ME THAT MY ACCOUNT WAS SATISFACTORY. PLEASE RECTIFY ALL LATE PAYMENTS ASSOCIATED TO THIS ACCOUNT PLEASE.
Product: Debt collection

On/Around XX/XX/XXXX I received a voicemail that I owed {$90.00} from living at XXXX XXXX at XXXX in XXXX XXXX, MO and if I did n't pay that day I would be sent to collections.I lived in the lofts from XX/XX/XXXX- XX/XX/XXXX. I paid all my rent in full and sent my notices to vacate prior to moving out. I never received a notice prior, then two years later get told I am getting sent to collection that day. I have contacted XXXX XXXX as well as Fairway Capital to get to the bottom of this with no avail. In XX/XX/XXXX I got a letter from Fairway Capitol only after reminding them that they were in violation of creditor law letting me know what I owed for. The letter has no dates and is extremely vague but says an auto charge on XX/XX/XXXX in the amount of {$81.00} and that the rest is for utilities. I moved out before the end of XX/XX/XXXX. I never lived in the residence after that and I gave numerous notices ( more than 90 days ) that I was vacating. I had moved out over 30 days before the dates listed on the letter provided by Fairway Capital. In XX/XX/XXXX I again contact XXXX XXXX and was told I had to talk to the owners of the property ( XXXX XXXX ) and was given the email address for a XXXX XXXX. On XX/XX/XXXX I contact XXXX XXXX via email and explained the situation but did no receive a response. Fairway Capitol discontinued contacting me until XX/XX/XXXX when they resumed calling me numerous times a day from different area codes. The agency has also reported the debt to collection agencies and it has negatively affected my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 Authorized Credit card. XXXX is the only credit report they dont have it. 

Thank you
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX XXXX RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I have called American Express about an account being made without my consent. I even asked the company if they can help remove it. Since that date I have not received any notifications or updates on the investigation. The last thing I heard was that the investigation will take about 30 days. 

Last week on XXXX XXXX in the morning I went to XXXX XXXX to purchase a new car I contacted XXXX to confirm that everything was cleared up before I made any purchases. According to my fraud case specialist from XXXX  the results still showed American Express was still on my credit report. The dept was also XXXX dollars according to my credit report. XXXX  confirmed with me that the account was made from some one who used my Social security number. 

Today at XXXX I contacted the Amercian Express Fraud Department in regards to this case. They have not resolved the isuue. We spoke with XXXX from the Amercian Express Fraud Dep. Again he said it will take another 30 to 60 days even though our case has been put as a priority. 

I need help to resolve this issue