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

I have notified XXXX XXXX that they are inaccurately reporting that I was late XXXX 2015. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is willfully violating public policy by continuing to report unvalidated accounts on my credit report. I have disputed the accounts with the debt collectors and they are not complying with the law and ignoring requests. Some of these accounts have been removed from other credit bureaus. Experian failed to provide me with the items listed in my complaint letters that are required under the FDCP. I have been going back and forth with them since XX/XX/2019, and to no avail they keep saying the same script that the items are verified when they are not. It is now XX/XX/2019. They are forcing me into homelessness where I can not find housing because of these erroneous accounts that should have been removed. I have sent 4 letters notarized via certified mail to experian and I have gotten the same response. They have not provided me a copy of an original consumer contract with my signature on it or any documentation at all. They are also lying and saying it meets the FCRA requirements and it does not. Experian is now threatening to leave unvalidated items on my credit report for 10 years and saying they will not reinvestigate in the future. This is unlawful and a miscarriage of public policy. I will hold Experian accountable for their actions and all parties involved for the damages I will incur in the near future of not being able to find a place to live and being denied housing,
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federal protection consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX 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 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,, 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 items of information, other than records of convictions and crimes which antedates the report by 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

I disputed transactions from my Wells Fargo bank and was denied. I used an online gaming site in which I thought everything was legal and legit but it turns out that all my transactions with this site was authorized using a third party merchant in which I can not get in contact with each and everyone of the different third party merchant. I reside in a state where illegal gaming sites are not permitted and yet Wells Fargo was still able to process these transactions. Because Wells Fargo allowed these transactions I thought playing on this gaming site was legal but it turns out that all my transactions where made through a made up third party companies. I feel Wells Fargo shouldnt have allowed these transactions to go through and at the very least notify me that these transactions were fishy and fraudulent. My disputed transactions were from XXXX of XXXX to XXXX of XXXX in the amounts ranging from {$25.00} to {$200.00}. Wells Fargo received my dispute on XX/XX/XXXX and was denied two days later. That just seems like a very short amount of time to process my claim and deny it so quickly.
Product: Credit card or prepaid card

XX/XX/2021 ... I attempted to remove the rest of my unemployment into another account. According to the number I called my account is closed and I am unable to receive my funds. I have spoken with an agent at detr and sent my drivers license in. Bank of America has yet to notify XXXX  of fraudulent transactions and I have never filed a complaint on this card. The card I had prior to this one was deactivated and I have received a new one. This was months ago when that occurred.
Product: Credit reporting

There are XXXX names as well as XXXX or more addresses and credit card institutions as well as accounts on my credit report that do not belong to me, that I have never used, and that I do not use, and never have given anyone permission to use. The information on my credit report is false and has caused me harm in the forms of loss of homes jobs and more. I want this information immediately removed and expunged from my credit report.
Product: Credit reporting or other personal consumer reports

@ XXXX XXXX on XX/XX/year> and also @ XXXXXXXX XXXX. on XX/XX/year> an prior months I've called several times an was treated disrespectfully by being hung up on Each time by representatives XXXX XXXX and XXXX XXXX as well as others whom names I didn't record. As I asked for dates I've called prior and was denied this information and hung up on while asking if he could provide me with the date day an time I did business with XXXX  XXXX XXXX whom is affiliates with XXXX XXXX XXXX As I stated everytime I called I was hung up on by XXXX XX/XX/year> an he wouldn't answer my calls as I called back at least 4 times, an I also stated I don't recognize complete XXXX XXXX XXXX As they are reporting twice on all of my credit reports as well as calling me and I've asked representatives to Cease an desist. I've also disputed on my Equifax Reports on XX/XX/year> and they claim that the collection is valid an will not Cease REPORTING NOR REMOVE the inaccurate reports by XXXX XXXX XXXX. As I'm being treated unfairly an undermines my public confidence to apply for banking an other consumer services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report from Transunion and from XXXX and I noticed, hard inquiries on my credit report that I do not recognize nor did I ever authorize. I immediately called the companies who the hard inquiries were made with and they told me that I needed to speak with Transunion and XXXX directly. 
I then contacted XXXX and transunion and they told me that I needed to speak directly with the companies again to remove.
Product: Credit reporting

To whom it may concern, I recently applied for credit with my bank and was declined because of a a low credit score. While researching the cause of the low credit score, I found there was no justification for my score to be at such a low mark and I seek an internal investigation on all three ( 3 ) reporting agencies for possible minority individual discrimination. As a United States tax paying citizen without any derogatory reporting and without any paying delinquencies with my creditors, I am seeking to establish a potential law suite to challenge the status quo of the following organization. These agencies consist of Experian, XXXX and XXXX. Please inform me about how I can pursue to challenge and correct this matter, XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Delete these accounts immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX is refusing to remove an account from my credit report that is fraudulent and inaccurate. The account is not in my name and I provided an FTC report. I also have a private court document that shows that my phone was stolen and retrieved from an abandoned building. My identity was stolen, fake bank accounts were created, my social media was stolen and I am still unable to access it. XXXX XXXX has no wet signature from me nor do they have proof that I opened an account with them. They also stated in complaint XXXXthat they charged off the debt however they are still reporting a balance They never sent a 1099c as the claim was written off. I will be reporting this discrepancy to the IRS as well. Since it was done in XXXX, XXXX XXXX had ample time to send out this document. Despite that issue, they are violating my FRCA rights by reporting inaccurate information to the credit bureaus. Just because their bias team has done an investigation, doesnt mean that their findings are accurate. I demand that they forward all of their investigation document for my record, so that I may forward them to my attorney for our own investigation. This fraudulent account has cause a severe impact on my life as I have not been able to obtain work or secure a mortgage as it has dropped my credit score over XXXX points. I will b pursuing legal actions as well as damages for their defamation of my character and liable by publishing inaccurate information about me to the credit bureaus for lenders to see and judge me. I am in grave disparity and this has caused significant mental anguish. I have submitted all of the documents requested of me and will continue to defend myself against these frivolous and false claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all 3 credit bureaus as well as Toyota Financial to have my credit report updated with no resolution. I purchased my car ( XX/XX/XXXX Toyota Corolla ) brand new onXX/XX/XXXX. My vehicle was repossessed and redeemed in XX/XX/XXXX. My contract was satisfied XX/XX/XXXX however this item still shows negatively as a redeemed repossession. I was told ( by the credit bureaus ) that items stay on my report for 7yrs from first reported delinquency but this repossession is 10yrs old. I confirmed this with Toyota who says they haven no control over how long the info is on my report but they have total control. Why are they reporting my loan only for the last 6months of the lease which makes it look like it's 6yrs old as opposed to the 10yrs since it was actually first reported delinquent and repossessed. They keep updating reports on my report but that info is incorrect. This loan goes back to XX/XX/XXXX. I am trying to resolve this without dealing with either parties mentioned again directly and I am currently waiting for my account history in the mail ... if needed.
Product: Money transfer, virtual currency, or money service

On XXXX 2023 I was scammed out of {$310.00} using cash app by someone posing XXXX XXXX while I was using cash app, The person than purchase XXXX his name was XXXX XXXX XXXX the amount he purchased when I called Cashapp they said my Bank would have to refund me the money, I have since given up after many calls to cashapp.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I'm writing to update you on my ongoing credit report dispute with Experian and XXXX regarding inaccurate information. Unfortunately, despite filing my initial dispute last XX/XX/2023 and exceeding the XXXX timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : * Copies of my dispute letters * Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution.

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

My name is XXXX XXXX. My social number is XXXX I am writing to you because there is an incorrect account on my credit report. 
this account : XXXX  with XXXX # XXXX opened on XX/XX/2008 with a balance of {$1700.00} is an account I don't know about. 
I sent a remove letter several times, but it has not been remove yet and I have not been contacted, so I am sending a letter like this again. 
Please remove this incorrect collection account from my credit report.
Product: Debt collection

Halsted Financial Services is a spam. They told me they were sent by value city to collect on their behalf. However ; they wasnt, they couldnt provide me with my original contract. Before paying the debt, they harassed me with phone calls and claiming they would repeat this to my credit bureau within 30 days. I finally paid the {$1500.00} on XX/XX/XXXX. They took {$1500.00} from me. XX/XX/XXXX, I called asking them why is it showing up on my credit report and they lied saying that they can not report that I paid this balance. This is was not told to me when I paid the money. I am really upset with this company. This company needs to be dealt with and I need my money back.
Product: Student loan

This is my third complaint since XX/XX/2016. Payments continue to be misapplied. I sent a check XX/XX/XXXX with specific instructions to payoff the XXXX higher interest loans with the Dept of Education. The payment was applied to the Federal loans which have over a 3 % lower interest rate. I called the advocate dept again and was told it would be fixed. Days later I called again to see why it had n't been fixed yet and was told it takes 7-10 business days and it would be fixed by XX/XX/XXXX ( that span was 13 business days ). The payment was reversed multiple times with errors up until XX/XX/XXXX where I think they are now done making adjustments. The misapplied payment from XX/XX/XXXX was not fixed. The adjusted payment originally applied XX/XX/XXXX now shows on XX/XX/XXXX. Not only am I being charged the difference in interest for those days between the DOE and Fed loans, I was also charged {$7.00} in interest on Dept of Educ loan XX/XX/XXXX that should have accrued only 25 days of interest since the payment ( last payment XXXX was {$5.00} to interest ). I have printed portions of my loans to accompany my claim. It does not cover the multitude of times I have to call, call again, and call some more to get my payments fixed over the last few years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the credit reporting act XXXX  Account # s Has violated my rights account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. XXXX  XXXX XXXX 2.FXXXX XXXX XXXX  3.XXXX XXXX XXXX 4. Law offices XXXX 5.XXXX XXXX 6.XXXX  XXXX 7.XXXX XXXX XXXX 8.XXXX XXXX XXXX 9XXXX 10XXXX XXXX 11.XXXX XXXX 12.XXXX  13XXXX XXXXy XXXX 14.XXXX  XXXX XXXX. XXXX credit 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It Also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT THREE CERTIFIED LETTERS TO ALL THREE CREDIT BUREAS PROOF SUBMITTED AS WELL THIS COMPANY XXXX XXXX XXXX XXXX # : XXXX NOT VALIDATE THE DEBT OR RESPOND THATS A VIOLATION OF 15 USC 1692 ( G ) ( B ) I ALSO SENT PROOF WITH TRACKING INFO SHOWING IT WAS DELIVERED XXXX XXXX EXPERIAN IGNORED IT DID NOT INVESTIGATE VIOLATION OF 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. I NEVER RECEIVED ANYTHING FROM EITHER COMPANY WHICH IS A VIOLATION OF 15 USC 1681 SECTION 611 ( 2 ) ( A ) I WANT THIS ACCOUNT REMOVED ASAP AND PLUS THIS COMPANY IS NOT REGISTERED WITH DCLA DEBT COLLECTIONS LICENSING ACT
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX notified me in XX/XX/2022 that Bank of America credit card was opened under my name. I checked XXXX and XXXX XXXX and verified that card was opened under my name even though balance was showing {$0.00} dollars with a credit limit {$15000.00}. I have a perfect credit history and score of XXXX. I have called and notified Bank of America right away to close the account ( fraud department ). XXXX on the phone ( XXXX XXXX stated that he was closing the account right away. It's outrageous they let someone open an account under my name without checking even though i have credit freeze in all credit reporting agencies. Its Bank of Americas negligence might affect my credit rating. They have never notified and or sent a letter to me in regard to cc opening. It appears to me that this gross negligence on behalf of Bank of America should be investigated to see how many other consumers might be affected. They have failed their due diligence steps verifying consumer account opening procedures and liable for any damages i might incur due to their incompetence. Besides closing that account, they should apologize to the consumer in writing who is affected and remove any trace of this cc opening along with offering free credit monitoring. Shame on this kind if shady practices routinely tolerated by Federal Government ( they need to be investigated and receive civil fines for violating my civil rights.
Product: Debt collection

I am being held jointly responsible for a medical debt that the parent did not pay, after I brought their child to the doctor, and I should not be. PDQ is saying, when I checked the child in, I provided my name and signed a contractual agreement, which is the financial policy, and I am responsible for paying. I agree that I did sign my name to the contract, but that contract is the attached financial policy. The language of this agreement, in the payment of services section states I should not be held financially responsible, since I am not the custodial parent. Please see that the financial policy I agreed to states only the Custodial Parent is held responsible for any unpaid balances. At the time of the visit, before, and after ; I have never been the custodial parent of the child who 's services went unpaid. There is another attachment that can be referenced to verify who the custodial parent is. That would be XXXX XXXX, the joint account holder, and only person who should be responsible for this debt. 

PDQ will be referencing forms that were filled out at the time the child was checked in, including the attached financial policy they provided to me. The contractual agreement I signed is the financial policy of the merchant, XXXX XXXX XXXX ( see attached - financial policy : payment of services section - also posted on merchant 's website and in the office ). They will also say that my driver 's license was provided. This is because I acted in lieu of the actual father ( see attached - court legitimacy documents ). The forms that I signed can provide emergency contact information, but that is the extent of what is legally allowed. The only financial power the doctor 's office has over me is to refuse services for the child, not seek unpaid medical debts for somebody else 's child. If what I have said is not sufficient, the Parental Responsibility Laws of the State of Georgia exempt me from any legal financial responsibility. They only bind the custodial parent to their child 's medical financial responsibilities. The law states that only the custodial parent is financially responsible for anything related to their child, CUSTODIAL PARENT. PDQ and XXXX XXXX XXXX is breaking the law by holding somebody who is not the custodial parent responsible for this debt. Whether I claimed to be the father at XXXX XXXX XXXX or not, I was never the Custodial parent. Bottom line. It comes down to XXXX things. First, what was the financial policy that I agreed to at the time of service? Second, can an adult who brings somebody else 's child to a doctor, who is not the legal guardian or custodial parent, legally be held responsible if services go unpaid? XXXX items answer these questions : the parental responsibility laws in The State of Georgia, court legitimacy documents dated well before the doctor visit ( attached ), and the financial policy for XXXX XXXX XXXX ( attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everting was complete and accurate according tc 15 USC 1681 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agency which is experian did not modify or removed anything.

The date open is not correct, date last active is not correct one of my credit report, date of last payment is not correct on Experian reports Which is a violation. This is impacting me from moving forward to buying a car for my family. 
I attach my previous credit report and my new credit report to show how Experian violated my rights.