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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX last year credit drops XXXX points, back up XX/XX/2023 and again XXXX XXXX, 2023 XXXX points down. Reach out to credit bureaus and being told to get a financial advisor as they just explain the factors. Credit has not have any drastic change, if anything should be positive as an old account was removed and balances lowered. I need this to be verify as I can never be at peace knowing my credit score is accurate or at least I am being informed of any changes. I understand 5-10 even 15 but XXXX point is just concerning and they really do not help.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/2019 Amount : {$10000.00} I believe that this charge off account is inaccurate because settled and does not match XXXX or XXXX I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.
Product: Credit card or prepaid card

On XX/XX/2019 at approximately XXXX XXXX I went into XXXX, XXXX XXXX Store in Florida to make a purchase using 2 {$5.00} Bucks I had. When I arrived at the cashier to cash my purchase she told me I could get a further 20 percent off the items which I gladly appreciated. 

She went on to applaud me on the savings I had gained and then it was time to pay. I inserted my card and realize the machine was asking for my Social Security number number, I asked why and she replied it was the reward of 20 percent she had given me, I proceeded to pay my bill. 

When she handed me my receipt she says your card will be coming in the mail and I asked what card? She replied you can use your receipt to make purchase until the card arrived, I immediately realized what had happened she had tricked me into a credit card which I never asked for or needed. 
I immediately exited the Store and called Customer Service to report the event. My only recourse from their Credit Department was they gave me credit bureau number to call and report the issue. Since then I have called the credit bureau but was informed the store had to remove the hard inquiry on my credit report. I subsequently closed the credit card 2 minutes after existing the store. My credit will be affected as a result and I now realized how difficult this will be to get the store to do right by me. 

I went back to the store spoke to XXXX, she says she was the manager. She gave me this XXXX to call to try and get a result. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bureau 's ( XXXX, XXXX, and Equifax ) to update my personal information on my consumer file I was told that all my information was verified and correct. I am not sure as to who they have verified my information with but it was not me.
Product: Mortgage

We were required to get XXXX XXXX from Chase on a XXXX Heloc loan. For the last five years we have been overcharged for this coverage. The coverage is XXXX this year and they had charged us XXXX consecutively for the last five years. Chase is now under a class action lawsuit " XXXX vs XXXX '' whereby it was discovered that Chase, " breached its covenant of good faith and fair dealing, unlawfully required its customers to carry excessive flood insurance for their property, and that it unfairly profited from receiving kickbacks in connection with lender-based insurance including in the form of commissions. ''
Product: Credit reporting or other personal consumer reports

When I reviewed again my credit report, I discovered that some of the information was still erroneous. The 3 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 that need to be investigated and corrected from 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent BC Services a validation request for two accounts they have reported on my credit. I received no response so on XX/XX/2022 I followed up with a letter requesting validation of debt. Still no response. In XXXX I sent XXXX a request to validate the alleged accounts. 
I have not received any communication from experian regarding this investigation request. Yet they have updated the comments on my credit report that investigation was done. 

Not only has XXXX not responded they are reporting a collection account inaccurately. 
Ive included a copy of all letters sent to bc services and XXXX as well as both accounts credit report highlighting errors.
Product: Debt collection

THIS IS NOT MY ACCOUNT I HAVE NO IDEA WHO THIS PERSON IS OR WHAT THIS COMPANY IS I CALLED IT SAYS ITS A COLLECTION AGENCY BUT THEY CANT FIND MY INFO WHN I CALL AND I HAVE NEVER OWED MONEY TO ANY ONE IT SAYS I WAS IN COLLECTION THEY ARE NOT MY ACCOUNT NOR ARE THEY A CREDIT REPORTING FACILITY THEY ARE NOT A CREDIT CARD AND I HAVE NO COLLECTIONS NOTICES OR ANY KIND OF COMMUNICATION THIS IS NOT MY ACCOUNT REMOVE IT NOW IT SAYS PAID AND CLOSED THEN REMOVE IT AS IT IS HURTING MY REPORT AND IT IS NOT MY INFORMATION DELETE NOW
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account number:XXXX  Open date : XX/XX/year>. XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX, ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX acct # 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
Product: Student loan

My wife and I are on Income Driven Repayment plans while I am a XXXX XXXX as we have a partial financial hardship. I am on PAYE and she is on REPAYE. Our loans are held by XXXX ( PHEAA ). 

On XXXX/XXXX/XXXX, I received a notification to submit annual loan recertification documentation. My wife and I submitted those documents promptly on XXXX/XXXX/XXXX. 

We received emails on XXXX/XXXX/XXXX confirming the receipt of those documents. However, there was no indication in our online portals that these documents were received or that processing had begun. 

Today ( XXXX/XXXX/XXXX ), I received an email from XXXX stating that I needed to recertify as the deadline was rapidly approaching ( XXXX/XXXX/XXXX ). 

I called XXXX at XXXX XXXX/XXXX/XXXX and waited 20 minutes on hold. The agent I spoke with said " That 's  strange that you received a notification so early. '' and that " Since you submitted so early, your application was placed on hold ''. 

I asked when my application would be processed. She said " 1 to 2 months, but not before XXXX/XXXX/XXXX ''. I expressed my concern that this would be insufficient time as my plan expires on XXXX/XXXX/XXXX. She stated " you have nothing to worry about '', but would not give any sort of confirmation or offer to expedite the processing of my application.
Product: Credit reporting or other personal consumer reports

I filled out a credit application for my business for a vehicle through enterprise. While asking them what the process was and what they needed the salesman explained that they have a unique situation with the lenders. He stated that because of the industry size they have enterprise pulls the credit profile and sends it to the banks. He said its beneficial to businesses owners since it would only be 1 pull of the credit and the bank they use get the credit report from enterprise so I will not have multiple inquiries ran on my report. 

Despite that promise, and the only reason I allow my credit to be ran, the banks without my authorization or consent pulled my credit anyway. This resulted in not just 1 inquiry but many. All these inquiries were dont in a fraudulent matter without my knowing
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX XXXX  many times about a fraudulent account opened in my name that they refuse to remove. I have requested statements to no avail. I have also asked for a 1099 since they charged the account balance off also to no avail. This is misuse of my credit and also fraudulent that they are still reporting this debt and charged it off to the IRS with no 1099. Not only am i going to report XXXX XXXX XXXX  the IRS but I will also be suing them for statutory damages if this isnt removed from all 3 of my credit reports immediately.
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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/XXXX 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: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$720.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$110.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$96000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX. I made an attempt to Call Cash. App. I went on their cash app, it does not have a phone number or an email contact. I went on XXXX and asked for Cash App Customer Service I got XXXX XXXX XXXX. I called they answered Cash app. I told them I sent XXXX to a person in era. They had one number off from who I was suppose to send it to. They said, that person is saying I am fraud, and they need to verify who I am. They said my account with Cash app is frozen. But they will transfer the money to XXXX account directly. They told me to put in some codes. I did. Then all of a sudden. I go what is taking so long. They had pulled ( 4 transactions from my accounts ) XXXX from my account {$500.00} and {$99000.00}. and {$990.00} in total {$4800.00} from my accounts the Savings and the Checking with XXXX XXXX XXXX. I have tried to call the numbers. They say my number is blocked. When I hung up on them to go to the bank they called me back on a couple numbers, and these are now blocked. XXXX XXXX XXXX and XXXX XXXX XXXX. I can't reach anyone. XXXX is in the process of getting me a refund. But I am hearing and reading a lot of complaints of people getting scammed because cash app doesnt have a way to reach them so those who are scammers and putting in a false number and cleaning people out. Please help. Please help me, while helping so many others get justice. Thank you. XXXX XXXX
Product: Credit card

I am protesting a ruling made by American Express concerning my XXXX XXXX account. On XX/XX/XXXX at XXXX PM I received an email from American Express entitled Notice of Change to your XXXX XXXX XXXX and We're reaching out because we wanted to let you know as quickly as possible that after a recent review, we have assigned a XXXX XXXX XXXX of {$39000.00} to your account. This reduced my limit from the previous XXXX of {$50000.00}. When I logged in the next morning, there was a notice that my limit was reduced to {$39000.00}. My most recent statement ( XX/XX/XXXX ) indicated that my pay-over-time limit was {$50000.00} and Your Card has no preset spending limit. So, between XX/XX/XXXX and XX/XX/XXXX, my account limit was reduced without ANY notice, other than an email late on XX/XX/XXXX and the note on the web site on XX/XX/XXXX. When I called customer service, I was told that AMEX has the authority to change the terms due to a variety of factors such as the Card Member 's XXXX XXXX, past due payments with us or other creditors, or high balances on revolving credit accounts. When I asked what the basis for the reduction was, they could not provide any specifics. I have not paid late in many years and my credit rating has not changed, maintained over XXXX. Those reasons ( or any ) were not cited, only some mysterious review that prompted the change. They said I could appeal the review if I provided some documents, specifically my checking and savings statements from my bank, which they would review, looking at deposits and withdrawal transactions, after which they would decide in XXXX business days whether their decision would be changed. I find the request for my checking/savings transactions overly intrusive and an invasion of my privacy and will not agree to that. The only other recourse I have to this point is to bring my balance down below {$39000.00}, which would require a payment of {$11000.00} plus my monthly balance requirement ( about {$2800.00} ) which I was prepared to pay only the latter. This is a ridiculously burdensome requirement! I made my objections to the Supervisor and asked only that I be given time to resolve the situation, such as XXXX  days, after which I can better address this, although I still have not been given any explanation other than this vague review process. This request was denied. I have prepared a letter to be sent to the XXXX  of Amex disputing their decision.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting XXXX % correct. Under 15 U.S. Code 1681e ( b ) ( 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 know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( XXXX ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within XXXX  days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are banks reporting that i owe money and i have never had an account with them such as XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Also there are other banks th as t keep running my credit constantly and bringing my score down i do know aww hat else to do. Its the same facilities when i check it. I even put a flag so it can not be run without authorizations but that does not seem to matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I've written multiple letters to the credit bureaus spanning over a decades about the correction and removal of information on my credit file that was either incorrect, or did not belong to me. 

I have written letters to the credit bureaus XXXX  times that I shared a name with my XXXX who is now XXXX, and I suspected there had and has been foul play regarding my credit ; I've written in numerous times that the information needed to be adequately updated to reflect that my name is " XXXX XXXX XXXX XXXX '', and not ANY variant of the name or spelling, and that I had nothing to do with much of the information and accounts on my credit profile ; This has opened doors for the misuse of my credit profile. 

At the beginning of XXXXXXXX XXXX XXXX, XXXX one again did my due diligence to seek the repair of my credit profile with each bureau, and days later, suffered a XXXX accident that rendered me unable to work and caused the loss of my transportation. I have written letters to each credit bureau in XXXX requesting the necessary changes/ removals to be done on my credit reports, and with their responses over the past few months, I took the time to mail in their requested documentation supporting my claims, jumping through their hoops, to no avail. 

As of XX/XX/2023, not only have some of the credit bureaus willfully neglected my requests for the necessary changes, but their investigation ( XXXX XXXX has taken more than XXXX days to resolve. They are in direct violation of the credit consumer laws. Furthermore, I sought repair to the damage that has been done, and continues to be done, long before it ever should have been an issue ; I have had numerous issues, suffering anxiety, depression, distress, embarrassment ; I have been denied living arrangements, employment opportunities, and funding opportunities to build a life of my own ; I have been unable to ever lease a vehicle and forced to rely on family for transportation, and finally as of XX/XX/2023, am undergoing an eviction and am facing homelessness due to the inability of the credit bureaus to carefully, and truthfully examine my cause and rectify the situation. 

I am demanding immediate correction of my credit reports and profile information, including but not limited to : The update and/or removal of Names, Date of Birth, Addresses, Phone Numbers, Employment, Creditor Account Information , Inquires ( Both Soft and Hard ), in addition to Financial Restitution for the damages caused by defamation of character, lowered standard of living, negligent enablement of identity fraud, mental anguish, anxiety, distress, discomfort, embarrassment, turmoil, and the inability to live a regular, normal, life due to the neglect, dishonesty, and irresponsibility of the credit bureaus for over a decade.
Product: Credit reporting

I retired from the XXXX. Postal Service and received XXXX pensions. The problem I ran into is I could not set up my online Social Security Account. I called Social Security and they investigated and found out because they use Experian data base to match addresses up to match me is why I could not sign in. My address with Social Security on file is XXXX. They told me to contact Experian to add my XXXX address to my profile. I contacted Experian and explained to them I need my XXXX address to be added to my credit report so I can go on line to set up my Social Security account. They said they can not add a XXXX address to my profile. I asked them why and they could not give me an answer. Social Security said I should not have a problem adding my XXXX address to my credit report. This is my address Social Security has on file ; PH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I lived part time in XXXX and XXXX. Please help me with this situation ... Thank You!