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

I received a copy of my credit file and enclosed is an account list under XXXX XXXX for {$5500.00}, {$2900.00}, {$7400.00}, {$4000.00}, {$3700.00}, XXXX XXXX XXXX for {$800.00}, XXXX XXXXXXXX for {$1200.00}, US DEPARTMENT OF ED for {$6200.00}, {$1700.00} and BANKRUPTCY CHXXXX - PETITION FIELD for {$0.00} accounts which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX for {$5500.00}, {$2900.00}, {$7400.00}, {$4000.00}, {$3700.00}, XXXX XXXX COMMUNICATIONS for {$800.00}, XXXX  XXXX for {$1200.00}, US DEPARTMENT OF ED for {$6200.00}, {$1700.00} and BANKRUPTCY CH.XXXX - PETITION FIELD for {$0.00} accounts ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that time frame, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX Last 4 of SS # XXXX XXXX : XX/XX/1970
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed in the attachments. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in attachments. You did not verify that account when you said you did. Despite my first written requests, the unverified items attached still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a  consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit card

I took out a credit card about 10 years ago through Providian Bank. I became XXXX a little while after and could not repay the debt. I received a phone call today from a company that said they were trying to serve me papers for a civil suit. Providian is suing me for defrauding a financial institution and theft of goods. Is n't there a time barred issue? I received a letter that said Providian was cancelling the debt but was told that the letter was for a MasterCard and I 'm being sued for a Visa card. I have not been served the papers yet but someone called me to see if I would be home.
Product: Credit reporting or other personal consumer reports

I am disputing unauthorized inquiries on my TransUnion credit report. 

Upon reviewing my credit report, I discovered the below inquiries that I did not authorize or recognize. 

These inquiries are damaging to my credit score and financial well-being. These inquiries are : XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/year> XXXX XXXX  Inquired on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> I request that these inquiries be investigated and removed from my credit report as soon as possible. 

I understand that unauthorized inquiries can be a sign of potential identity theft or fraud. 

I have taken steps to protect my identity, including monitoring my accounts for any suspicious activity. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

FCRA 605B, in my understanding, mandates the elimination of any inaccurate accounts from my credit report. Can you review the documents? Several accounts listed contain inaccuracies in their reporting, such as incorrect amounts and dates.
Product: Checking or savings account

XX/XX/XXXX a loan scam gained access to checking account and disputed charges made on that debit card. Scammer made it appear that a personal loan had been processed and added to the account. At this point XX/XX/XXXX repayment of the loan was processed in order to improve customers credit rating. XX/XX/XXXX the situation was discovered and customer went to the bank who initiated a new account as the old account had been compromised XX/XX/XXXX his social security check which had been diverted to the new account was seized along with {$55.00} he had used to initiate the new account. Apparently the debt collection department had linked his old account with the new account making the new account responsible for the debt on the old one thus making both insolvent XX/XX/XXXX client along with XXXX XXXX XXXX went to the branch office sought a resolution of the seizure and was put in touch with XXXX at the executive office in order to review this. XX/XX/XXXX statements made that a repayment was approved and sent so so the vendor was contacted to look for this repayment. He was reassured that no more Bank seizures for voluntary repayment would be done against his account. It was already too late to divert his social security check anywhere but the current account. XX/XX/XXXX after reviewing the events of the holiday weekend it was discovered that not only did his payments not return to the vendor but his XXXX social security benefit had also been seized. Several additional calls to dispute resolution and executive office were made and we were given various stories about where the payment might be either with XXXX or with the bank for the third party vendor XXXX. executive office informed us that XXXX was on maternity leave and that XXXX would be able to help from here out no repayment of either of his Social Security checks was ever accomplished. XX/XX/XXXX after being told in numerous calls to dispute resolution that payment should be available to XXXX by XX/XX/2022 we were then told by XXXX at Chase dispute resolution a manager that by close of business XX/XX/XXXX funds should be available to the vendor XX/XX/XXXX after contacting Chase once again spoke to a manager in dispute resolution who indicated that confirming through back channels the payment had been resolved on XX/XX/XXXX. All parties to the dispute the landlord the XXXX and the customer we're on the line during this conversation none of which worked with the bank they sent the payment to they sent the payment to some account at XXXX Bank neither the vendor the landlord or the customer were using XXXX Bank. Chase Bank refused to acknowledge their problem with this transaction and work to resolve it we were elevated but then cut off at which time we contacted the executive office our last resort. After 35 minutes on the phone with them we asked to be sent to a manager who could resolve this as this was just an intake worker trying to input the information and have it sent to a manager to investigate. This is now 61 days into this dispute, and no one has been repaid
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting information on my consumer report without my information. I am the consumer, and I control what is placed on the report according to 15usc1681b no permissible purpose.

Transaction history is not to be reported according to the consumer laws.

The laws are here to protect me and if it is not removed I will send a invoice for each late payment violation on the report.

The privacy law is broken according to The Privacy Act of 1974 ( 5 USC 552a ) protects personal info held by FEDERAL GOVERNMENT by preventing unauthorized disclosures of such information. Individuals have the right to review such info, request corrections, and be informed of any disclosures.
Product: Credit reporting or other personal consumer reports

I previously filed a complaint which is active. They are now asking for information that has already been submitted to them in the original complaints again. Are they not even thoroughly reviewing what is sent to them from the CFPB? Why are they continuously asking me to submit the same information. It is almost like a stall tactic.
Product: Credit reporting or other personal consumer reports

I have disputed with Experian, XXXX, and XXXX XXXX about XXXXXXXX XXXX XXXX collection. I have requested them to Verify the collections were 100 % accurate and if not to please remove it fromMy credit immediately.
Product: Debt collection

I am a victim of continual ID theif. This is either do to XXXX XXXX that lives at XXXX XXXX XXXX , XXXX IN XXXX or do to Collector sDatabase. The XXXX Police will not Help the XXXX WI police. 
All Below is going on My Credit, I have cleared it but I also have to pay {$300.00} a year for ID Protection. 
XXXX XXXX Defaults on his Services ( XXXX XXXX XXXX ) {$180.00} XXXX XXXX Defaults on his Services ( XXXX ) {$700.00} XXXX XXXX Defaults on his Services ( XXXX ) {$800.00} XXXX XXXX Defaults on his Services ( XXXX XXXX XXXX ) {$1300.00} XXXX XXXX Defaults on his Services ( XXXX XXXX XXXX ) {$180.00} Police Report Filed for all above XXXX XXXX XXXX Defaults on his Services ( XXXX ) {$250.00} Police Report Filed for all above XXXX - All above have been cleaned from my Credit Report ( Unknown Date ) XXXX Defaults on his Services ( XXXX ) {$1000.00} Police Report Filed for all above XXXX This was just file XXXX/XXXX/16. 

The question that no Police Detective or Reporting Agencies can answer. 
- IS XXXX stealing my SSN ( but I do not think that XXXX ask for the SSN ). 
- OR is the Collections Companies doing this to me? They have linked my name and his name together and added it to some database that can not get that information removed. 

I have Spent {$300.00} for that last three years ( {$900.00} ) because of the Collectors or XXXX. I have to keep Renewing do to XXXX Defaulting on his bills and the Collectors coming after me and not him. 

Each time this happens I have to get a Police Report, get current bills, Affidavit explaining why it is not me, DL, and all this personal information has to be sent to each collector. Giving all my Personal Data to them to clear me. I spend hours each time.
Product: Debt collection

My credit report shows some medical collection on XXXX ( REVENUE RECOVERY CORPORATION shows 2 collections from PHYSICIAN SERVICES AT XXXX shows 1 collection from PHYSICIAN SERVICES AT XXXX shows 1 collection from PHYSICIAN SERVICES AT XXXX ) which all have been taking care of from a workscomp claim. I needing to get the correct infomation from someone to have this removed from my cerdit report please.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX 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 DP OF EDUC XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 602 : ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681b ( a ) : Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C. 1681c ( a ) : No consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1A ) 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.
Product: Debt collection

I attended XXXX a few years ago and being that I was not born in the country-but I am a US citizen now-I was asked if I submitted selective service? I did and I was mailed a confirmation letter. I physically walked into the school and handed paperwork to someone at front desk. The persons took the letter sent to counselor and then a few days later I was admitted to the college and they asked me to apply for financial aid. FAFSA. I was told I had to apply and accept loans for an entire year-although each semester was only about 4 weeks or so. I attended school for about a year 1/2 and About a year later while registering for class I received a notice asking me to contact a counselor regarding financial aid-I was then told I could n't apply for financial aid because of selective service-I was told I would have to start paying them directly for college and I could n't get Federal loans anymore and they were sorry-because of selective service.. I still did n't understand-I had attended for 1 ( XXXX XXXX year. I eventually pulled my credit report and saw an {$18000.00} debt from a company and when called they told me XXXX said I owed and that they paid my student loan debts off ( and they wanted me to pay them ( XXXX XXXX {$18000.00}. I have never received a single sheet of paper explaining this, NOTHING, but when I dispute-they send an electronic notice back to credit bureau saying debt is verified. YET I have nothing, know nothing-no one can explain anything-nothing in writing from XXXX-or the collection company ( ATG ). Credit is being ruined and no one can explain anything.
Product: Credit reporting or other personal consumer reports

This is regarding a CFPB complaint against Experian complaint filed bak on XXXXXXXX XXXX XXXX regarding me paying {$43.00} a month for their " premium service including a dedicated fraud resolution specialist. '' I have not heard a single word from Experian regarding this issue. It's been over 30 days now. I want to know why I went through 3 " dedicated crud specialists '' who I could never reach, they refused to call me back for weeks at a time when I was the one paying for the service! I can't call their premium customer service line since they just hang up on me, or breathe into the phone without saying more than 2 words for 51 minutes. Today is my last day of their joke customer service who I have filed multiple XXXX complaints on and now never heard back from them. 

Please reference previous CFPB # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written and called all three credit agencies regarding the inquiries on my reports ... They have still not removed the unverified accounts ... 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be deleted immediately. 

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed.
Product: Debt collection

Threatening to sue me over a debt from back in 2012 about a credit card that I did not use or make charges on
Product: Credit reporting or other personal consumer reports

Despite providing evidence of identity theft to creditors and the credit bureaus multiple times per year since XXXX, there is persistent incorrect information on my report. From bureau to bureau the amount of debt varies, payment history reporting varies, account status and comments vary. This has caused there to be a significant difference in the scores for my profile at Transunion, XXXX and XXXX and has prevented me from securing a home loan among other types of credit over the years. I have called the creditors directly, mailed letters to the creditors and the credit bureaus and have filed reports with my local police station and the FTC. No avail. I want to stop being punished because the bureaus have failed at validating debts properly.
Product: Debt collection

I applied for a housing loan and they reported to me that i have a collection letter that i have not paid and causing problem with my application. The lender gave me the number of the XXXX XXXX XXXX XXXX and i called them. They person i was talking to could not give me the details of the debt that i supposedly owe them. I looked into XXXX credit score check and found that on XX/XX/2017 I owed {$290.00} and that XXXX company is the collection agency. I called up citibank and talked to many departments and said that i do not have any bank accounts with citibank. So how is it possible that I would owe an amount of {$290.00} from citibank if i didnt have any accounts in the first place? I disputed it with XXXX XXXX but was not sure if they are going to take action on it and its affecting my credit score every single day.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been updating inaccurate account information to the XXXX credit bureaus for years. I have not had any accounts with this company, they have reported XXXX duplicate accounts on my report, when I notified them they advised the accounts were inaccurate and they would remove them from the credit report. They did not, I contacted all XXXX  credit bureaus and they refused to remove the information. They were not willing to send verification of these accounts to me and they advised me to contact the creditor. Please look into this and remove the XXXX inaccurate accounts from all three credit bureaus reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why would I have to pay almost {$100.00} to freeze my family 's credit when the credit bureau lost my information? I did not ask them to keep a report and now I am supposed to pay to fix THEIR problem? 
Do I have to wait till my credit gets stolen? 
HELLO IS THERE ANYBODY THERE WITH SOME COMMON SENSE and RESPONSIBILITY? 
They make money on our back and when they XXXX up they charge us more?
Product: Credit reporting, credit repair services, or other personal consumer reports

IM HAVING ISSUES WITH MY CREDIT REPORTS AND I HAVE CALLED CAPITAL ONE OVER THE PAST COUPLE OF MONTHS REGARDING THE ACCOUNTS THEY ARE REPORTING ON MY CREDIT REPORT AND WAS TOLD RECENTLY THEY ARE STILL WORKING ON IT AND ITS BEEN OVER THE 90 DAY PERIOD I WAS ORIGINALLY TOLD. ALSO WAS TOLD THAT THE TECHNICAL SUPPORT DEPARTMENT WASCCAPITAL ONE WAS SUPPOSE TO CLEAR MY RECORD IN THERE SYSTEMS AND STILL I GET THIS MESSAGE WHEN I DO PRE APPROVALS WITH THEM. I ATTACHED THAT WITH THIS COMPLAINT ALONG WITH MY CREDIT REPORT. XXXX ALSO SAID THEY WOULD GET BACK WITH ME ON THE FRAUDLENT INQUIRES AND NEVER DID WHICH IS OVER A XXXX.
Product: Debt collection

Repeated phone calls to my place of employment. Repeated phone calls to my extended family including telling my father about my debt. And back to back to back phone calls to my cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Strategic Automotive transferred my auto loan with XXXX XXXX back to XXXX XXXX per my request but this company has their auto loan still open on all XXXX of my credit reports which looks as I have XXXX open auto loans amounting in total of over {$22000.00} and it looks like my monthly payments are a total of {$940.00}, double the monthly note and loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

US BKPT CT CA XXXX XXXX, Amount {$0.00}. I have no knowledge of this public record and don't live in California. I have stated this with Equifax, XXXX and XXXX.