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

Due to me purchasing a home, I reviewed my credit report. I found many discrepancies. First listed on account was a charged off from XXXX XXXX ( XXXX ) The amount listed was for XXXX dollars because it was charged off. I was never informed that the account was sold to XXXX XXXX  XXXX. For the amount of {$2300.00} I received a phone call with this information and advised that all collection efforts needs to cease and to provide the following documentation ( disputed account ) : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined? 
To date I have not received any of the requested documents. 
XXXX XXXX failed to notify me that the debt was brought and allow me time to dispute. XXXX XXXX Failed to send notification via mail to formally dispute account. My rights as a consumer has been violated due to failure to notify and for reporting inaccurate information. 

Also, There is an additional account reporting from BMG loans at work LLC with an amount of {$2300.00}. 

BMG Money, XXXX XXXX and BMG loansatwork are duplicating allege debt amount and hurting my credit profile. 

This a clear violation of FCRA laws for failing to : -notify every credit reporting agency involved that you dispute the debt -submit corrected information to the credit reporting agency subsequent to investigating your dispute -refrain from continuing to submit information that it knows ( or should know ) is incorrect -conduct an internal investigation of your dispute within 30 days BMG is double dipping by charging off the account as a loss, selling the alleged debt and reporting an owed balance under a different companys name. 

I also dont recall giving BMG Money authorization to contact me via email.
Product: Payday loan, title loan, or personal loan

Several months ago, I filed 2-3 complaints against the American Express Company dealing the following : On about XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, monies were electronically sent to American Express Company ( AMEX ) by XXXX XXXX XXXX. These monies were sent back to be applied against a personal loan I had taken with AMEX. There were two separate transfers made : {$350.00} on XX/XX/2018 - Reference Trace Number : XXXX {$10000.00} on XX/XX/XXXX - Reference Trace Number : XXXX AMEX had verbally acknowledged receipt/return of these funds and had been agreeing to credit any interest that may be accruing for the amount of the funds returned. 

On or about XXXX of this year, American Express Company finally resolved this matter by crediting me for the returned funds along with any additional finance charges that may have been charged. 

On or about XX/XX/XXXX, I was again charged for the amount of {$10000.00}! It was listed as a " Reversal of Balance Transfer ''. I have been trying to resolve this again with AMEX employees, XXXX and XXXX without success. I am also now being charged interest for the new larger balance. Finally, I am being adversely impacted by this mistaken/fraudulent charge as I in the process of refinancing some properties. My outstanding short-term debt is being reported as {$10000.00} then it actually is. Can someone please, please get this resolved and stop singling me out for this mistreatment?!!
Product: Credit reporting or other personal consumer reports

Discovering inaccurate accounts on my credit report this morning was completely shocking, especially since I have no idea how they got there. I check my credit report regularly, but this time, there were discrepancies that made no sense. I refreshed my browser, hoping it was a glitch, but the errors persisted. I need the submitted documents to be examined thoroughly to prevent this kind of issue in the future.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo opened a fraudulent personal loan under my name and social. I've reached out to Wells Fargo and the credit reporting agencies various times to try to resolve the issues directly. Unfortunately my request has fell on deaf ears with Wells Fargo and XXXX. I was provided information by Wells Fargo for the loan and upon review no information matches mine. The address used in the application never belonged to me and the signature page doesn't match mine. 

Also the company listed in the application I never worked for nor had any association with me. Lastly the tax returns that were provided are fraudulent and never filed with the IRS. Had Wells Fargo confirmed all the stated facts it would've prevented this fraudulent nightmare that's affecting me and my family. 

XXXX  has also failed to hold Wells Fargo to a higher standard and has also ignore the material facts in investigating this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A BUNCH OF FRAUDULENT ACCOUNTS ON MY CREDIT REPORT:

XXXX
- ONLINE INFORMATION XXXX XXXX XXXX XXXX  


XXXX
- XXXX XXXX XXXX XXXX Collection services XXXX
-  XXXX XXXX XXXX XXXX
Collection services
XXXX


EXPERIAN
- XXXX XXXX XXXX Other Collection Agencies XXXX
- XXXX XXXX XXXX XXXX XXXX  
Collections  non specific XXXX
Product: Debt collection

YEARS ago, I ordered from XXXX XXXX XXXX, in early XX/XX/year> to get the blinds for my home for the XXXX. Holidays. I paid Half down for very expensive blinds. Weeks went by and by early XXXX I was emailing and calling- where are my blinds? NO ONE answered me, despite repeated contact on my end. I really thought they went out of business. FINALLY in XXXX of the next year, they wanted to deliver my blinds. No one could come until XXXX. My home was missing blinds for MONTHS. They finally came and 1/3 blinds was WRONG. The installer suggested he hang the blind so I had some privacy ( being a XXXX XXXX it was Horrible for MONTHS ), and he reported the blind as wrong. Then the company started calling me asking for the balance, and I said - The 3rd Blind is WRONG and it needs to be replaced. They offered a small discount and insisted on getting the rest of their money. I was disgusted on the treatment I got, the lack of service, and NO contact on their end for MONTHS. I said forgive the Bill and I will NOT Report their lousy service to XXXX XXXX  and XXXX. So it was decided. Then TWO Years later, this was sent to collections. This is an OLD BILL for HORRIBLE Service, and a WRONG Blind never replaced, and FIVE Months of NO SERVICE. There is NO PAYMENT DUE to this XXXX XXXX XXXX XXXX. THIS BAD DEBT was FORGIVEN YEARS AGO - due to such Lousy Service! XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED! 

To Whom It May Concern, This is a formal dispute of information and reporting. I formally exercise my rights as a consumer to request that you only report True, Factual, Correct Current, & verified information and I request that any deficiently reported information be released and dismissed at once. I DEMAND In this lawful request I DEMAND that you initiate a complete investigation of the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid, or not. The following inquiries are not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am reporting a problem with resolving fraudulent usage of my Bank of America credit card ending in XXXX. 

My credit card was stolen from a safe in the basement of my house in XXXX, CA, at some time between XX/XX/XXXX and XX/XX/XXXX. I was not at the house at the time and was not aware of the theft at that time. 

On XX/XX/XXXX, my Bank of America card was fraudulently used at XXXX XXXX  in XXXX, CA for a {$320.00} purchase ( see attached statement ). I receive text notifications for all charges on my phone, and I immediately reported the fraudulent charge to BofA. At this time I did not know that the card was physically stolen. The fraudulent charge was reversed at that time. 

On XX/XX/XXXX, after I received other notifications from other fraudulent charges on credit cards and debit cards that were stored in the safe, I realized that I had been robbed and I contacted the XXXX police department. I reported the theft of the safe and the contents, including the Bank of America credit card. The police did an investigation and provided a police report ( see attached document ). 

On XX/XX/XXXX, I received a letter ( see attachment ) saying that the claim had been denied because the card was physically used, and the fraudulent charge was restored. I immediately appealed the denial and sent in the police report and contact information for the officer who worked on the case. 

On XX/XX/XXXX, I called to check on the status of the case and I was told that my documents had been received and the case was being investigated. 

On XX/XX/XXXX, I called to check on the status of the case and I was told by a supervisor that the case had actually never been re-opened. I was told that the case was now being re-opened and they would consider the documents I provided. 

Bank of America has refused to revert the fraudulent charge again while the case is being investigated, and my account now has a balance due. I was recommended to pay the minimum balance due on the fraudulent charge while the claim is investigated. I am extremely disappointed with the lack of communication and follow-through on the appeal and with being asked to pay for charges that I did not incur on my account. I will be sending the minimum payment ( {$25.00} ) while my claim is being investigated.
Product: Credit reporting or other personal consumer reports

XXXX- Opened XX/XX/year> Open Balance {$130.00}. I have no knowledge of this account! I have no contract with this company. This had affected my credit score.
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID Type : Drivers License ID # XXXX XXXX XXXX XXXX XXXX XXXX  Early Warnings Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to request an investigation of the following that appears on my Early Warning Consumers Services consumer report. I have NEVER opened or use the following account numbers : Bank Name : XXXX XXXX Account # XXXX Routing # XXXX Bank Name : XXXX XXXX Account : # XXXX Routing # XXXX Bank Name : XXXX XXXX Account # XXXX Routing XXXX It is NOTED that several checks were written I DONT write checks so all check usage should be blocked also immediately pertaining to the above routing and account number. 

Bank Name : XXXX XXXX Account # XXXX Routing # XXXX Bank Name : XXXX XXXX Account : XXXX XXXX Bank Name XXXX XXXX XXXX XXXX  Account # XXXX Routing # XXXX Bank Name XXXX XXXX XXXX  XXXX Account : XXXX Routing XXXX Bank Name : XXXX XXXX XXXXXXXX XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Bank Name XXXX XXXX XXXX XXXX XXXX XXXX Bank : XXXX XXXX XXXX XXXX Bank : XXXX XXXX XXXX XXXX Also they have a bunch of inquiries Dating from XX/XX/XXXX up until XX/XX/XXXX that are NOT mines. 





I dont recognize the following accounts in question. I am a victim of identity theft and I don't recognize these accounts on my report. I am requesting the following information be deleted from my early warnings report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i have a fradulent account present. Please remove this account from my report as it is impacting my credit.
Product: Student loan

Last year ( XX/XX/22 ) I inquired, over the phone with Navient, about releasing a cosigner on my loan. I was told that if I paid a lump sum to bring the loan current ( {$990.00} on XX/XX/XXXX  ), then go into a 12-month plan that required consistent on-time payments that would steadily increase in cost I would qualify for the cosigner release. 
The payment plan began on XX/XX/XXXX  and I paid on time every month. I can list every payment if needed. Afterward, I completed the 12-month plan and confirmed via, phone call, that I could now sign the cosigner release, I submitted the paperwork to release the cosigner and they denied the application. 
They cited a rule that had never been brought up nor addressed, saying that because I didn't have a specific graduation date in my information, they would not honor the cosigner release. This had never been addressed in any form when I spoke to them, on multiple occasions, via phone call, as a requirement. They simply told me to do the 12month plan and I would qualify.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filed for Bankruptcy. In XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX I filed for chapter XXXX bankruptcy. After review of my credit report I see all three credit bureaus have listed the bankruptcies on my credit report using inaccurate information. Each credit report states they obtained the information from the US Bankruptcy Courts and listed their name and address. I  have contacted the US Bankruptcy court and they have informed me that they do NOT send bankruptcy information to credit agencies. Therefore, the information on my credit report is inaccurate and I am requesting the information deleted from all 3 major credit bureaus : TransUnion, XXXX and XXXX. FCRA states not false information is allowed on a consumers report. I have tried to dispute this will all 3 companies and have not received a response.
Product: Credit card or prepaid card

Recently, in XXXX of XXXX I checked my credit report as I was preparing to apply for a personal loan and realized an account was showing on my report in which did not belong to me. I didn't authorize for the account to be opened in my name nor did I agree to be added as an authorized user. The account in question is with BARCLAYS BANK DELAWARE and the account number is XXXX. The credit limit is XXXX and the balance showing is for XXXX. Immediately, I contacted XXXX. I was told over the phone that I was not the primary account owner and in fact someone had added me as an authorized user. XXXX then advised me that a simple dispute would correct this situation being I was only listed as an authorized user and can not be held responsible for an account I'm not the primary account holder on. They said my information was compromised during a data breach and a lot of there customers were having this problem. The dispute was to be completed within 30 days and upon completion the account in question would be deleted off my report. Upon completion, BARCLAYS BANK DELAWARE refused to delete the account off my credit report stating all the information listed on the account was correct. XXXX then advised I reach out to the Consumer Financial Protection Bureau and file a complaint as well as an identity theft report as its clear I was a victim of identity fraud. I've done both. The account in question has dropped my score XXXX points bringing me from a XXXX score all the way down to a XXXX and needs to be deleted immediately. It is not my account.
Product: Checking or savings account

On Tuesday, XX/XX/XXXX at XXXX XXXX, I received emails that said there was a new log in into my Chime account. I've never had a Chime account. Also at XXXX, I received an email from chime with a PDF attachment about setting up direct deposit. I did not open this attachment. At XXXX I received a " Welcome to Chime '' email. At XXXX I email XXXX because it was the email listed at the end of one of the Welcome email to report an account being opened without my permission. At XXXX, I called the phone number listed at the bottom of the Welcome email to report the account being opened without my permission. The call lasted 4 minutes and 42 seconds. Before hanging up, the representative wanted me to confirm that I've received confirmation of the account closure. I received this email at XXXX. At XXXX, I received an email prompting me to create a Chime password. At XXXX on Tuesday, XX/XX/XXXX, I received yet another Chime email that a person with the initials XXXX  sent me {$1.00}. I do not know this person in my personal, professional, or online life.
Product: Mortgage

On XX/XX/year> I sent 2 insurance checks. One was applied and the other was shredded by them. My house flooded and the insurance sent 2 checks of which I did an affidavit to apply the checks to my loan balance. Only the small check was applied. The large check for XXXX was shredded. 

Additionally, they took out homeowners insurance of my behalf for a total of XXXX which I dont need.
Product: Credit reporting or other personal consumer reports

NELNET made claims against me, trying to collect a debt they claim I owe to them. I sent in dated paperwork asking NELNET to verify their claims. I gave them 15 days to respond to my conditional acceptance. They did not respond to the letter in the time frame offered. Then they wrote me telling me that they no longer service the debt they were trying to collect on me. NELNET informed me that the debt was transferred and or sold from NELNET to XXXX XXXX and to contact them with any concerns I XXXXay have. Due to the fact they no longer service this debt. Upon looking at my consumer credit reports recently I notice NELNET still reporting on the debt they claim they no longer service as late and or delinquent. Now how is this so if NELNET no longer services the debt. This is not fair and accurate credit reporting. Everything in my credit report should be fair and accurate. This is a violation Pursuant 15 usc 1692e. I want this NELNET reporting removed.
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX Letter to Remove Inaccurate Credit Information I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. These account are out of the statue of limitation which mean by law they need to come off my credit report : XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 



Based on my reading I know by law inquiry are only allow to stay on your credit report for 2 years from the day the inquiry was pulled. Which means that all the above accounts need to be removed. I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back to me within 30 days. 



I am also requesting that you send me an updated credit report once your investigation is complete you can send the copy to XXXX XXXX XXXX XXXX, South Carolina XXXX Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate information on all three of my credit reports ( XXXX, XXXX, and XXXX ) which I have disputed with LVNV LLC. I do not have a contract with LVNV LLC ( account number XXXX ) but yet they are reporting on my credit report. I wrote a letter and also disputed several times to XXXX, XXXX, and XXXX to send me proof of my original contract with LVNV LLC or to remove it from my credit file and I did not receive a signed contract proving I have this account with them. By law there are not to report any inaccurate information on my credit report, which in this case it is inaccurate.