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

XXXX, XXXX and Equifax are erroneously reporting false addresses names and social security numbers on my credit report. I have filed a request with the 3 bureaus and provided them with my drivers license, social security card and proof of residency and requested to have this inaccurate information removed immediately. XXXX, XXXX  and Equifax have failed to remove these items and is in violation of the fair credit reporting act. The information that must be removed is as follows Address Ive never lived at : 1. XXXX XXXX XXXX XXXX XXXX UT XXXX 2. XXXX XXXX   XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX 4. XXXX XXXX XXXX XXXX  XXXX, UT XXXX 5. XXXX XXXX XXXX XXXX  XXXX XXXX, UT XXXX 6. XXXX XXXX XXXX XXXX XXXX, UT XXXX I request these address and every variation of these addresses be removed from my report. I have never lived at any of these addresses. I DO NOT KNOW OF THESE ADDRESS. 
SSN that are not mine that show on my report 1. XXXX 2. XXXX I request these SSN numbers be removed from my report Phone numbers that have never been mine. 
1. XXXX XXXX. XXXX XXXX. XXXX I request these phone numbers be removed. 
Spouse Name : 1. XXXX This person is not my spouse. I request this name be removed from my file. I do not know this person. 
Names : 1. XXXX XXXX is not my name. I request this name be removed from my report.
Product: Credit reporting or other personal consumer reports

I am submitting my complaint with the information from the lawsuit against experience that CFPB just filed experience has violated all of my fair crediting act rates collections 15 USC 6802/15 USC 1692 c ( c ) charge off 15 USC 6802 15 USC 6801 15 USC 1692c ( c ) This law clearly states if a consumer notifies a debt collector that the consumer refuses to pay a debt the collector must cease all communications. All of my rights were violated commerce Bank continue to add and remove the same account for my credit dropping my credit over 100 points each time experience allowed this to happen the account is More than XXXX XXXX XXXX the account is from XXXX of XXXX the account was charged off in XXXX underneath the fair crediting act there is absolutely nothing that they can gain from me the consumer about this debt They already charged it off in XXXX that means they're not able to add anything to my credit report and they've been served with two cease indices notices but experience continue to allow them to add late payment history to my credit report in XXXX of XXXX which sunk my credit over XXXX points which has now affected me and my business credit so personal and professional I'm filing this complaint and connection with the lawsuit. The commerce Bank account needs to be removed and all XXXX negative remarks that experience has allowed them to add to my credit violating the 7-year rule The XXXX XXXX account XXXX XXXX was charged off XXXX of XXXX on one of the credit reports the inaccuracies are all over the place underneath the fair crediting act this account needs to be deleted permanently from my credit history and all negative remarks removed now
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3100.00} ; XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have account on my report thats over 16 years old? Ive have disputed this account as fraudulent for as many years, but to no avail. Now its still on my report 16 years later? 
Name of creditor : XXXX XXXX  Acct date : XX/XX/2013 Amount due : {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously disputed item from XXXX XXXX XXXX which has been deleted from equifax, XXXX and XXXX reappeared on my credit report. No notification is yet to be provided to me. No communication from the collection agency. They did not send any letter, so I do n't even have an account number so I can talk to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian is reporting an account from XXXX XXXX XXXX XXXX that's was reporting closed now it's incorrectly reporting open, this account status is incorrect and is causing my score to suffer, this account is violating the FCRA, I want this account removed
Product: Debt collection

I received a debt collection letter from Resurgent Capital Services for {$250.00}. When I received it, I asked them to send me a copy of a statement showing why I owed this amount. When I found out that my credit card that I have never once used had a fraudulent charge on it for {$4.00}. I immediately called the credit card company and they refused to help and redirected me back to the debt collection agency. I was forced to pay {$250.00} to clear my account. They will not help me rectify this. How can they steal {$250.00} when the balance was only {$4.00}. I never once used this credit card. I don't know who it was charged and by an XXXX XXXX in XXXX. I live in XXXX
Product: Credit reporting or other personal consumer reports

Today, I am writing this complaint to CAVALRY PORTFOLIO SERVICE regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. 
payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

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



Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

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. 

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 or other personal consumer reports

I am formally follow up the immediate removal of the unauthorized inquiries on my credit report, as they are negatively impacting my ability to secure loans and obtain credit. These inquiries were made without my authorization, and I dispute their validity. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information on my credit report. I demand that these inquiries be investigated and removed promptly. Additionally, I request written confirmation or supporting documentation once this issue has been resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I recently checked my recent personal credit report and I noticed some unauthorized credit inquiries were removed while there were still few erroneous items remained on my personal credit reports. I once contacted these companies and asked them to remove their credit inquiries from my credit profile. I also requested you before to initiate an investigation into the below items on my credit reports to determine who authorized these items. And I know your investigation is complete, and you find my allegation to be true, please remove these remaining inquiries and inaccurate information and send me an updated copy of my credit report at the address provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -TRANSUNION XXXX XXXX XXXX XXXX. The items I am disputing do not concern any transactions involving the acquisition of goods, services, or funds that I have initiated or approved. Please remove these inquiries from my credit file as soon as possible. Thank you for your assistance in this matter.
Product: Checking or savings account

XXXX had a system glitch and posted a transaction to my account XXXX times on XX/XX/23. My bank, USAA had no fraud detection or alert that went through and allowed {$7400.00} to be withdrawn. XXXX has acknowledged they had a system issue and this was an error and they issued a refund however USAA will not release the refund and they state its because XXXX could recind the funds. USAA also will not issue any kind of provisional credit while they investigate. We have called USAA every single day since this happened and they have not helped at all except to tell us they dont when we will have our money. We have been left with no money for 5 days.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting or other personal consumer reports

Unfortunately, I have noticed some inaccurate information on my consumer report. I believe this information is a result of identity and is not correct. EMPLOYERS XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove this incorrect information from my credit report Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately. 

XXXX  XXXX XXXX XXXX, XXXX XXXX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX VIA DEALERXX/XX/XXXX Per 15 USC 1681 Permissible Purposes, I want these hard inquiries removed from my consumer report. The previous inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law.
Product: Credit reporting

My credit report was given to a company and marked as a hard inquiry on multiple separate occasions when the creditor had not bearing or rights or permission to have full access of my credit report. I ask that these be removed from my credit report as I did not authorize access to a full credit report to be obtained by the following companies! 
XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX This is not my account Have disputed and ask them to provide the information about my account and they have not {$420.00} Owner INDIVIDUAL credit grantor {$300.00} Account Type MONTHLY Term Duration {$420.00} Date Opened {$420.00} Date Reported Date of Last Payment Scheduled Payment Amount XXXX Delinquency First Reported CLOSED Creditor Classification Charge Off Amount REVOLVING XXXX XXXX  XXXX, XXXX XX/XX/XXXX XX/XX/XXXX UNKNOWN XX/XX/XXXX Credit Card XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I spoke with the first agent at affirm, who looked into my account and stated that he would send me a letter/email stating that my XX/XX/XXXX payment was actually paid and that he could see that it was an automated system that sent end my payment as being late. A payment for XXXX was also made on the XXXX and a payment for XXXX was made on the XXXX and those reported fine. I was disconnected from that representative and unable to get the letter or be transferred back to him. I then spoke with XXXX who also agreed that it was a system error they saw where I paid it in XXXX and it should not have been reported as such. She provided me with a letter that shows XXXX XXXX, and XXXX being paid and she notated in my account that it was system error, and that she was escalating it on her end. I called back to asked if they could notate in the email that they noted in my account. It was an error and that it was being escalated where I was transferred to the supervisor who told me this was beyond her control and that because it was charged off in XXXX which has nothing to do with me making a payment and then reporting it not being made in XXXX. She was very unhelpful and told me that I needed to get the credit bureau on the line because my account was charged off, however, three other agents were able to provide me with information stating that I indeed paid it they can see where I paid it and unsure as to why it reported to the credit bureaus as 30 days late for the only month of XX/XX/XXXX she kept referencing that my account was charged off. I never denied it and as of today, three months later from the charge of the account was paid in full I explain to her that I wasnt negating the fact that my account was charged off, I was trying to get the XX/XX/XXXX late payment removed from my credit report because it was indeed paid on XXXX XXXX just like XXXX and XXXX and those reported fine she was very unhelpful, she did not listen and disregarded what her last XXXX employees told me and notated in my account. I have the email from the agent and the paid screenshots from my affirm account
Product: Mortgage

XXXX of XXXX I started a mortgage refinance with XXXX. I was told after the approval process that my rate was going to be XXXX, {$630.00} in closing cost, 30 to 40 days closing timeline and no prepayment penalty for a 30 year fixed rate refinance with cash out. 

This info was based upon an approximate home value of XXXX given by me, XXXX credit score, low XXXX and XXXX. 

XXXX days before closing { XX/XX/XXXX } I received a call from XXXX XXXX, AmeriSave, stating that the home value I initially gave them in XX/XX/XXXX was XXXX and because the appraisal which came back in XX/XX/XXXX came in at XXXX I now have to pay XXXX to XXXX in closing cost and possibly a higher rate. 

Facts : 1. Never said nor would I even think my home value was XXXX. I told them my home was around XXXX 2. Appraisal came in at XXXX 3. Never received or signed a XXXX 4. The loan was supposed to be rate locked and was not. 
6. AmeriSave didn't tell me the " supposed '' home value problem when the appraisal came in XX/XX/XXXX, they told me 5 days before closing. 

I have all screen shots of text and e-mails supporting all the information above. 
I've lost 4 months of savings equaling close to XXXX and now I'm subject to a higher rate. 

I tried to resolve the problem with AmeriSave but they would not agree to the rate and closing cost quoted. 
I emailed the following people from AmeriSave for assistance in solving the problem. I didn't receive a response. 
XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX - XXXX XXXX - XXXX People Involved : XXXX XXXX XXXX XXXX XXXX ID # XXXX AmeriSave Mortgage Corporation XXXX ID # XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX TX XXXX XXXX Desk XXXX Fax XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ID # XXXX AmeriSave Mortgage Corporation XXXX ID # XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX TX XXXX XXXX Desk XXXX Fax XXXX Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a consumer submitting this complaint myself. There's an account on my consumer report that is reporting delinquently and inaccurately. 

First of all, the account payment history is included when in fact the FCRA says that a consumer report must exclude the following : report containing information solely as to transactions or experiences between the consumer and the person making the report. 

In this case, AFFIRM INC is the furnishing the very thing that is excluded from the consumer report which is the transactions and experience between myself and the corporation, AFFIRM INC .
Product: Debt collection

KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT XXXX  RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.
Product: Bank account or service

I am XXXX XXXX XXXX and a few months ago went to open my first checking account with Chase Bank at XXXX XXXX XXXX XXXX, XXXX AZ XXXX. Everything was going fine. I had not overdrawn my account or did anything that I know of that was wrong. I was in a car accident and received an {$8000.00} check from an insurance company, which I deposited into my account. Part of this money was to go back to my parents to pay medical bills and other costs relating to my accident. The bank said there would be a 10 day hold on the check after which I would have access to it. The next day I tried to log on to online banking and was unable to do so because my password would not work. I called the bank and they said that they closed my account. They would not give me anymore information. That day I went into my bank and talked to a live person, who said the same thing, which was they could n't tell me why. I was concerned about the {$8000.00} deposit I had just made and the banker reassured me that they would be mailing me a cashier 's check for the money that was in my account in 10 days. That has not happened. My mother and I called Chase again asking about my money that they have been holding for over 2 weeks and also for an explanation as to why they closed my account. They still did not have any information or would not tell us anything. My parents are being harrassed by XXXX different medical facilities who are demanding payment from my accident. They can not pay them until I get MY money back from Chase. Can this possibly be legal? How can it take so long for them to give me my money back. I should have gotten it back the minute they closed my account. I ca n't afford an attorney but I need some help from someone who knows this kind of thing. The car accident I was in was not my fault. I was banged up pretty bad but the worst part was my car was totaled. I had it for one year and had been fixing it up the whole time. The car was finally perfect and I got to enjoy it for 8 months before a bad driver smashed it up. I was very stressed and sad for 2 months. I finally got some money for my " inconvenience '' from the other insurance company, which made me happy. I deposited this into my Chase account. After paying my medical bills, I was going to get to keep the rest of the money. I thought I would now be able to put the memories of my bad car accident behind me and move on. But, Chase Bank is preventing me from doing just that. Chase Bank is now causing me and my family a lot of stress all over again. I talked to another banker where I opened my new account and asked them how this could happen. They said usually there are XXXX reasons a bank will close someone 's account. Fraud or not getting along with the customer. I certainly have n't committed any fraud and I have never set foot into Chase Bank except for the day XXXX opened my account several months ago and again several weeks ago to inquire about my account getting closed. So, I never interacted with anyone that could say they found me hard to get along with. Please check into this for me. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

A lady from this phone number in XXXX MO called and said they were lowering my interest rate in my Chase CC and I knew it was a scam and I hung up. Here is the number ( XXXX ) XXXX