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

ON XX/XX/year> I WAS RELEASED FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UPON MY RELEASE I WANTED TO GET MY LIFE IN ORDER AND GET ON MY FEET. MY FIANCE AT STARTED LOOKNG INTO MY CREDIT SO I COULD GET A CAR AND OTHER THINGS I MIGHT NEED. WHEN SHE PULLED MY CREDIT REPORTS WE FOUND THAT MY INFORMATION WAS STOLEN AND USED TO BE OPEN AT LEAST 20 ACCOUNTS, FROM LOANS TO CREDIT CARDS ECT. AMOUNTING IN AT LEAST XXXX IN CREDIT DEBT. WE DID NOT KNOW WHAT TO DO. SO WE DECIDED TO CALL THESE CONSUMER AGENCIES ( XXXX, XXXX, TRANSUNION ) AND LET THEM KNOW WHAT HAPPENED, BUT THEY TREATED ME LIKE I WAS THE CULPRIT, HANGING UP ON ME AT TIMES, OR REFUSING TO HELP ME ALTOGETHER OR SAYING MAIL IN A DISPUTE THEN SAY THE INFO WAS VERIFIED. I AM STUCK AT THIS POINT IN MY LIFE BECAUSE I CAN NOT GET ANY KIND OF CREDT, NOT EVEN A CAR OR HOUSING DUE TO MY CREDIT PROFILE HAVING TONS OF FRAUDUDLENT DEBT ON IT. AND I THE THREE CREDIT REPORTING AGENCIES IS MAKING IT CLOSE TO IMPOSSIBLE FOR ME TO CLEAR MY NAME. IF ANY HELP S AVAILABLE WITH THIS SITUATION I WOULD GREATLY APPREICIATE IT. I ALSO HAVE WENT TO THE POLICE STATION TO FILE A POLICE REPORT, BUT SO FAR IT HAS HAD LITTLE TO NO EFFECT WHEN IT COMES TO THESE CREDIT AGENCIES OR CREDITORS.
Product: Money transfer, virtual currency, or money service

My money was taking from Zelle & now my Zelle doesnt let me get or send a certain amount of money
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, Equifax and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX ; XXXX, XXXX, A ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$880.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEW UPDATED INFORMATION!!!!!!! I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022 referring to the complaints I've filed on XX/XX/2022 and XXXX XXXX. The complaint that I've filed through the CFPB on XXXX XXXX with complaint number XXXX, EQUIFAX responded stating that an investigation with the furnisher has been initiated and that they will provide me with those findings once the investigation is completed. This an " REINVESTIGATION '' to what EQUIFAX claimed to be " valid ''. Congress states that pursuant to 15 US Code 1681i ( 7 ), the consumer reporting agency only have 15 days to provide me with the description of the procedures listed in 15 US Code 1681i ( 6 ) ( B ) ( iii ) that they've taken to receive their findings. They are waiting on the furnisher to provide them with those findings, not me the consumer. Because this is an " REINVESTIGATION '' by law, the consumer reporting agency only have 15 days to provide me with the description of the procedures that they have taken in order for this account to be considered " valid ''. It has become very clear that an investigation had not even taken place in the first place, because if it had, then they would have on file the items of the procedures that they've used to validate the items that I have disputed, and not be waiting on the furnisher to provide them with something that they claim was " valid ''. EQUIFAX is not complying with the law by trying to exceed those 15 days that Congress have given them to provide me with the description of the procedures they've taken to validate this account. EQUIFAX also have not provided me with my written permission that I've given them to furnish this items to my consumer report pursuant to 15 USC 1681b ( a ) ( 2 ). This inaccurate item listed on my consumer report has ruined my financial reputation by not allowing me to receive the funds needed to provide for my household. This has caused me many hardships including stress, sleepless nights, XXXX, anxiety, as well as marital issues.
Product: Bank account or service

Key Bank XXXX XXXX has reported ATM machine abuse on my XXXX report. This was reported XX/XX/2014. The incident they are reporting was an account closure due to letting someone else have access to my PIN number which was against their policy and they closed my account. No money is owed the report shows paid in full. Due to the use of the term ATM machine abuse I am denied any bank accounts which is making it very difficult to rebuild my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2018 I disputed a late payment with Experian. 

The late payment was from XXXX XXXX XXXX  for XX/XX/2018. The account was closed a month before on XXXX XX/XX/2018 and marked paid. According to The XXXX XXXX XXXX XXXX, you can not add late payments to an account AFTER it is marked closed. 

I disputed this account on XXXX XX/XX/2018 and less than 48hrs later, Experian closed my dispute WITHOUT validation and investigation into my dispute which is negligent. 

Nor did they follow the law. My account was closed and paid in XX/XX/2018. You can NOT add a late payment for the month after an account is closed. The account is closed, therefore I no longer have a payment obligation.
Product: Debt collection

On XX/XX/2022, I accessed my credit report and discovered an account that I did not authorize to utilize my credit or social security number. I called the number listed under their company name on XX/XX/2022 and the supervisor would not offer any information on their company besides it being a private company, upon further investigation it is listed as a foreign corporation. I requested proof of contract which I was told they are a paperless company and would electronically mail me the contract in 2 business days. I asked for their EIN/TIN and trustees name of the company so I can take further action and the supervisor refused to answer any of my questions and ended our call. The company is listed as WEST CREEK FINANCIAL XXXX XXXX located in Virginia.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I have taken a look at my credit report and notice several inaccuracies and wrongful reporting with a 3rd party debt collection company named XXXX XXXX. They are reporting a debt stating that I owe them {$420.00}. I have never conducted business, signed a contract or agree with any terms with them. I sent them a debt validation on XX/XX/2023 certified mail asking them to provide me documentation of the debt they claim that I have with them. I NEVER had a contract with them. I never gave them permission to report anything on my credit report. They stated they are collecting a debt from a company named XXXX XXXX XXXX XXXX XXXX. They sent documents to me that is pointless and didnt prove anything. They didnt send anything with my signature, they didnt send a contract, they didnt send anything besides a print off of some statement. To make matters worse, another company that they are working with called XXXX XXXX XXXX sent me these papers on behalf of XXXXXXXX XXXX. Im confused at this point because it seems like this company is all over the place and cant provide any documentation and my information is getting passed around on this CLAIM DEBT. If they purchased debt from XXXX XXXX XXXX XXXX XXXX, that has been written off that is illegal. They lied about investigating it and not removing it from my report is noncompliance with the FCRA laws. They are furnishing information without my written consent. When I was looking at my credit report they are reporting information wrong across ALL THREE BUREAU. Im entitled to a 100 % accurate credit report. 
XXXX XXXX and Equifax is reporting the collection account OPEN and XXXX is reporting it as closed. How is this possible? How can a collection account be OPEN? FCRA violation XXXX Equifax is reporting this account as being Late 120 days for the payment status. How is a charge off collection still reporting a late payment status? FCRA violation. 
XXXX XXXX and Equifax is reporting a PAST DUE balance. Charge off collections shouldnt be reporting past due balances. Correct? FCRA violation XXXX Why isnt the original creditor listed on XXXX and Equifax? 
XXXX The dates of last activity, date reported and date open has different dates all across the board. 
XXXX The document of the claim debt they sent me the account number doesnt match on my credit report. 
I can list several reasons of the inaccuracies of this account. As a consumer this is slandering and Im entitled to a fair accurate credit report by law. I know my rights. Im demanding for this to be removed from my credit report. Im also attaching evidence to support my claims. Please see the attachments. 
In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. There shouldnt be damages on my credit report. Its a defamation to my character. 
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 consent.

15 U.S.C 1681g
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have requested to have these addresses removed from my credit file and they are still showing on my file. I was a victim of Fraud and these addresses are the reason I was compromised and I am not affiliated with them please remove them at once. If I get compromised again I will sue! 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX XX/XX/XXXX SS XXXX I need to get my credit file corrected I have fraudulent addresses on my file that I never lived at showing that may have belong to another person or relative, Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2016 an account was opened with XXXX XXXX ( XXXX XXXX XXXX ). I have no knowledge of this account nor did I pay any money into this account. For years now, I have been contacting the credit bureaus in regard to this account ( through mail and online dispute services ) and they have not been able to help me. The credit bureaus have not provided me with any documentation or proof that this account is mine. I also have a fraud case open. 

Today and many times in the past, I have contacted XXXX XXXX XXXX  myself ; they stated that they do not have any of my information on file. I also provided them with the account number that Experian has given me : no information is found according to the Bank. 

I have voice recordings that I am willing to share. The voice recordings will provide proof of me speaking with bankers in regard to this issue and they each state that they are unable to help me because my information is not in their database etc. Furthermore, Experian is telling me otherwise. Yet, Experian has not provided me with any written documentation etc. Someone from Experian also has a statement on my report, saying that I co-signed this account. I never verbally and written such a letter/statement.
Product: Credit reporting or other personal consumer reports

I sent my 2nd letter to XXXX, XXXX, AND EXPERIAN on XXXX, about reporting inaccurate and incomplete information on my consumer report. I had notified them that they are reporting inaccurate and incomplete information per 15 usc 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
they are in violation of 15 usc 1681e ( b ) as well by not reporting 100 % accurate and complete information. 
this is causing me XXXX and suffering by way of denial of certain things
Product: Credit reporting, credit repair services, or other personal consumer reports

self lender/ XXXX XXXX  is being reported on my credit report. I do not have any knowledge of this loan, this is a fraudulent account that has significantly lowered my credit score, damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute the following. 

Address XXXX XXXX XXXX XXXX OH XXXX. I do not recognize this address. 
XXXX XXXX XXXX  Account XXXX I never paid this account late. 
XXXX XXXX XXXX Account XXXX I never paid this account late. 
XXXX Account XXXX I never paid this account late. 
XXXX/XXXX  Account XXXX I never paid this account late
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company informationTransunion. XXXX XXXX XXXX XXXX Balance {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE BANK ( XXXX ) : : Listed with a {$450.00} balance and years of missed payments for card ENDING XXXX same debt reported as : XXXX XXXX XXXX ( XXXX ) : Listed with {$1300.00} balance and no payments for card ENDING XXXX Source of dispute information : My XXXX Credit Report Type of disputed information : This item was paid with income garnishment and fully satisfied with XXXX XXXX XXXX XXXX. Both entities are seeking payment for the same paid balance card ENDING XXXX Dates associated with item being disputed : ALL dates, missed payments and balance information o My debt was settled and paid by wage garnishment. 
o I have two companies leaving derogatory marks on my credit report for a satisfied judgement. 
o The report shows I owed money to the company that I have already repaid. 
o I have enclosed the judgement for {$4300.00} XXXX & XXXX File number XXXX served by XXXX XXXX XXXX XXXX XXXX XXXX NY o The current status of my account is not correct. The report shows that I o am delinquent but I have made all of my repayments on time. I have enclosed the letter dated XX/XX/2021 from XXXX XXXX XXXX XXXX stating my debt was satisfied.
Product: Debt collection

Select Portfolio Servicing ( SPS ) is in violation of 12 CFR Part 1024 ( Regulation X ). They have not responded to my error notification and qualified written request for information which is dated XX/XX/2018 and XX/XX/2018. See attached documentation.
Product: Bank account or service

This correspondence is in reference to XXXX. I rec 'd a letter from Capital ONe dated XXXX XXXX, 2015. THey still did not address any issue ofmy concern. THe letter states that she found no notes that my daughter conducted a XXXX-way call with her bank. I do n't believe her because they suppose to record phone contacts upon speaking with the consumer because it tells you that the call may be recorded. THat 's not true what she sent to me. I listen to the call because payment was made fvrom my daughter 's account and I could not take care of the issue because it was my daughter 's account. My daugher as told by her bank was never contacted to get payment. THe initial XXXX/XXXX/15 payment was noticied by me and I kept calling Capital One to see why payment had n't posted. We again calledc on XXXX of XXXX and payment still did n't post, meanwhile we are srtill in contact with Capital One about paysment. Finally we were told to get bank on a XXXX-way call because we knew money was in bank. They said the account was closxed, which is n't the truth. tHe payment wasd finally processed after she got her bank on phone about XXXX weeks after the original payment was called in. They are not pulling their records if so they would see that a XXXX dollar payment was finalized about XXXX/XXXX/15. Also I spoke with a person on Wed. XXXX/XXXX/15. She confirmed payment but becvause of so many notes on account she would have someon correct the misleading information and someone would give me a call in a couple of days. I have yet to receive a telephone call from anyone concerning this matter.
Product: Debt collection

I have a new number from XXXX XXXX, I have owned this number for 2 years. For the past two years I have recieved multiple harassing phone calls from various collection agencies looking for a people named XXXX and XXXX XXXX. I do n't know these people, and I do n't owe a debt. I want this harassing calls to stop. Credence Resource Management is the latest company to contact me
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for its repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) 168i ( 15 U.S.C. 1681i ), which requires consumer reporting agencies to properly investigate disputes and provide verification of disputed information. Despite multiple disputes, Experian continues to report inaccurate and unverifiable negative items on my credit report without providing the proof of investigation as required by law.

Violations by Experian : 1. Failure to Conduct a Proper Reinvestigation ( 1681i ( a ) ( 1 ) ( A ) ) I have disputed multiple accounts that I believe are inaccurate, yet Experian continues to claim they are verified without providing any actual proof of verification ( such as original creditor documentation ). 
Experian has not conducted a reasonable investigation nor provided substantive responses to my requests.

2. Failure to Provide Proof of Verification ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ) Under FCRA, when an account is verified, the credit bureau must provide me with the name, address, and proof of verification from the furnisher of the information.

Experian has failed to provide any such documentation to support its claim that these disputed items are valid.

3. Failure to Delete Unverified Information ( 1681i ( a ) ( 5 ) ( A ) ) If a disputed item can not be verified, it must be deleted from my credit report.

Experian has repeatedly reported these items as verified without valid proof, violating this requirement.

4. Failure to Provide Consumer Statement of Dispute ( 1681i ( b ) ) I have requested that a statement of dispute be added to these items if Experian insists on keeping them. Experian has failed to do so.
Product: Credit card or prepaid card

To the best of my knowledge, the account has been closed with a {$0.00} balance, but now I have received a letter indicated I owe them for {$1000.00} for some reason.
Product: Debt collection

On XXXX XXXX I submitted a formal written request to Militarystar to investigate and validate a negative item reported on my credit file. This marked the third time I have initiated such a request, and to date, I have received no valid response or supporting documentation from this creditor. In my requests, I cited the following federal laws to support my right to accurate information and due process : 15 U.S. Code 1692d which prohibits conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. 15 U.S. Code 1601 which outlines the Congressional findings and declaration of purpose behind the Truth in Lending Act, aiming to ensure the informed use of credit by consumers. 15 U.S. Code 1635 which provides for the right of rescission in certain credit transactions. Despite clearly outlining the relevant statutes and submitting proper documentation, this creditor has not fulfilled their obligation to verify or correct the disputed information. The lack of action has resulted in {$3100.00} in unresolved and potentially inaccurate debt being reported under my name, which is severely impacting my creditworthiness, financial stability, and mental well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had a credit card or any other credit account ever and no such account has ever existed in my name .Transunion has put multiple fraudulent accounts that do not belong to me and were not created by me on my consumer report. This has made it hard for me to receive credit or get approved for apartments which is very stressful and XXXX. I have notified them of the accounts resulting from identity theft and requested they be removed within 4 business days as described in 15 usc 1681c-2. I have not given them any reason to decline my request and they have not provided any contract or other evidence that gave them the right to furnish my consumer report with this fraudulent information to begin with .the fair credit report requires the maximum amount of accuracy at all time.