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

I have created an account with Experian, with which they were successfully able to identify me. However, when trying to create my government-mandated free credit freeze they required me to enter all of my information to apply manually, then " were unable to honor your request to place a security freeze ''. Instead, I'm required to mail documents to them in Texas to prove my identity at my expense, which is deliberately arduous and delays me getting credit protection and exposes me to unnecessary fraud risk. These unscrupulous practices are undoubtedly intended to make me pay for their services. And with both of their competing credit ratings agencies it was easy to apply my freeze.
Product: Credit reporting or other personal consumer reports

I have disputed the accuracy of account XXXX XXXX XXXX XXXX XXXX several times. The agency investigates and the results report that they WILL update the account CORRECTLY. I submit and mail in physical proof from the creditor each time. The agency has not fixed the issue correctly. Either their system is flawed or the employees don't know how to do their jobs correctly.
Product: Credit reporting

On XXXX XXXX, 2016, I received a letter of denial from XXXX XXXX, OH, credit card application department ( REF : XXXX ) and the reason was due to " unable to verify identity information '' The application was made on XXXX XXXX, 2016, online. I never applied for this credit card. 

Thank you. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I SUBMITTED A FTC REPORT FOR INQUIRIES THAT WERE NOT AUTHORIZED. EXPERIAN HAS NOT COMPLIED AND REMOVED THE FOLLOWING INQUIRYS 1.XXXX XXXX  XXXX  XX/XX/XXXX 2XXXX XXXX- XX/XX/XXXX 3.XXXX XXXX XXXXXX/XX/XXXX 4.XXXX XXXX, XXXX XXXX - XX/XX/XXXX 5XXXX XXXX XXXX XX/XX/XXXX 6.XXXX  XXXX  - XX/XX/XXXX
Product: Debt collection

I was contacted with the following information : SST wants to assist in getting your account back on track. Your payment of {$510.00} for account number XXXX was due on XXXX. 

Setting up an automated payment is a great alternative to help ensure your payments are made timely each month. 

I had an account with XXXX. The company XXXX declared bankruptcy  and went out of business. I believe this account is associated with the previous XXXX account. XXXX offered a revolving credit line at a low interest rate. My credit cards were linked to the service. It had an algorithms to maximize payments to reduce interest on the credit card lines. I have no contract or agreement with SST, so I believe the debt and new account number is not mine. I believe that XXXX XXXX my debt and received insurance payment for their existing accounts. A review of my contract with XXXX did not include terms of account payment absent their service prior to the expiration of the payment service. SST has not provided debt validation per 15 U.S. Code 1692g, Validation of debts to me or the credit bureaus, for my complaints to XXXX and XXXX SST presented their account number and limited personal data for me to validate their claim of debt. I believe their claim is a scam to collect on my previous performing debt with XXXX, that XXXX received insurance bond funds for during the solvency. The delinquency on my credit report indicates that I have had an account with SST since XXXX, which in inaccurate. I would request that SST provide me with : 1 ) A detailed list of the history of payments by me to SST.

2 ) My signature that I put on a contract guaranteeing that I would pay SST.

3 ) Evidence that no insurance has been filed on this debt.

) A Chain of Title for SST to collect on this debt.
Product: Checking or savings account

A bank account with TD Bank was opened in my name, XXXX XXXX and when i recieved a bank statement for an account that wasnt mine i reported to TD Bank and had the account closed. it looked as if someone was managing large sums of money and redistributing it to a XXXX  XXXX credit card which was also opened in my name, XXXX XXXX. None of these were done with my knowledge. The name involved was a XXXX XXXX from what the bank told me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018 I requested a Investigation on my credit report with Equifax File number XXXX and another file number XXXX. On both of these claims I can not get any information from Equifax either by E-mail or united States post office mail.
Product: Debt collection

My daughter used my name to get XXXX and then they moved and I was not aware it was still in my name. Today is the first day I have seen this bill at all. XXXX/XXXX/2015 My daughter is XXXX XXXX and she is XXXX and on social security XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

The following account needs to be removed immediately : Account Name : Account Number : XXXX XXXX XXXX XXXXXXXX The following inquiries are incorrect and should be removed : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a wire transfer from the U.S. XXXX XXXX XXXX XXXX XXXX for back pay due to an award by XXXX in a retirement case for {$450000.00} which I never received in my account at Bank of America . In addition to this wire transfer, I receive retirement payments the first of each month. I dont know why this back pay was not put in my account.
Product: Credit reporting or other personal consumer reports

I reached out to this company XXXX several times over the course of the past 6 months trying to explain to them that this is not my account. I told them I filed proper documentation for the fraud complaint. I explained to them that my information & also my phone was lost while I was in the hospital following XXXX XXXX. I expressed to them that I am a veteran who believes in their honor & I have maintained great credibility & credit scores now this fraudulent activity that occurred is ruining my not only my reputation but my credit & my family life. I have proof from another company that fraudulent account was opened & they reviewed information & closed the account. XXXX keeps sending me letters saying its me when its not in their most recent letter they included a number in the statement that I have never used or had not to mention Im not even sure whats a ( XXXX ) area code. This is really starting to get frustrating & Im dealing with health issues & mental health issues because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed items on my credit report and Experian just sends me an automated message saying they dont think its me disputing the items so they refuse to do anything about it. They are repeatedly reporting incorrect information on my credit report from accounts to inquiries to addressing. Ive repeatedly disputed the information and thy keep saying its validated and refusing to send me the proof of validation.
Product: Payday loan, title loan, personal loan, or advance loan

I received a text message with loan amounts, payment amount and term. I chose the {$5000.00}, 36 month term at $ XXXX. I went through the process to get the loan and several times it was stated to to me that the funds would be available in my account in 5 - 10 minutes. This didn't happen after I paid {$120.00} federal insurance and {$170.00} state tax on the loan. i contacted the accounting department and they said they needed my XXXX XXXX sign in name and password, I told them they weren't getting in and all conversations ended at that point.
Product: Money transfer, virtual currency, or money service

I had though I had been making an investment. I made several transactions. When i tried to withdraw cryptom.com refused any solution. I paid a private company to trace where the money had gone. It is still in that account. They refuse to give the money back I am paying currently every month for a crime that has been committed to me. I would like to recieve my funds back so I can resume my life. Crypto.com wont even investigate while others are being scammed out of thier life savings. I have sent them documentation proving this situatuon yet the matter is unresolved
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX/ XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Experian, XXXX, and XXXX multiple times to remove this incorrect information and negative accounts from my consumer report. They always respond back and say they have " verified '' with the company that the information is correct. But have yet to provide any proof, This company is breaking the law in multiple ways. 15 USC 1681 s-2 says you are a furnisher of information. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. These laws are very clear! I want this negative information and accounts removed from my consumer report immediately! I also have my submitted FTC report attached
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX ct XXXX XXXX XXXX, FL, XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX Bank : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
[ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

This is the second time I have lost my job while having the vehicle and struggling to make payments. I asked if there were options because according to their notifications and emails they offer assistance if you are experiencing a hardship and also informed them I have intentions of starting a new job next week to start making payments. They said the only way to stop the repossession is by making a payment. I also asked why they have a clause in their emails and notifications saying to inform them of your hardship so they can assist you. They do not have any programs available. So I said to the lady, basically that hardship and options in your emails are basically XXXX because you dont offer anything and she said yes.
Product: Checking or savings account

On XX/XX/XXXX I submitted my Capital One credit card and debit card lost or stolen. Unauthorized purchases were made. They immediately refunded my credit card but did not refund any of the funds in my debit card. I appealed it and spoke to office of the president. They looked into it and they verified it as as if not being accurate so they didnt refund my purchases that I did not make a transactions totaling {$750.00}. This was right before XXXX leaving me with no money within one day of my appeal. It returned back as accurate and they still did not return my funds. They sent me a new debit card, but that was it. They would not tell me how they could verify they actually saw or say that it was me the owner of the account who used the funds being that my car was lost or stolen they shouldve replaced the because the transactions were not made by me
Product: Credit card or prepaid card

made a reservation thru Chase XXXX travel for a flight on XX/XX/2021. I then changed the date to XX/XX/2021 and was charged and was charged another XXXX on XX/XX/2021. The flight was going to be a transfer to XXXX. I called a few days later and found out that it was not going to be time to get luggage and transfer, and that my name was not correct on the ticket. THEY HAD A WEEK TO CORRECT THIS. THERE WAS NO ONE TO SPEAK WITH AT TAP. THERE IS NO PHONE NUMBER. I WAS ON THE PHONE WITH CHASE XXXX  UPWARDS OF 3 HOURS ON NUMEREROUS OCCASIONS. I HAD TO BUY A NEW FLIGHT WITH XXXX XXXX. I am still being charged for both of these tickets, the ones purchased thru TAP. IT IS CRIMINAL AND THEY KNOW IT.
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - INQUIRY DATE - XX/XX/2022 - CALLED, NOT SURE WHY THIS IS HERE. 

XXXX - INQUIRY DATE - XX/XX/2022 - XXXX DONT KNOW WHAT THIS IS, DIDNT DO XXXX  - INQUIRY DATE - XX/XX/2022 - XXXX DONT KNOW WHAT THIS IS, DIDNT DO XXXX XXXX  INQUIRY DATE - XX/XX/XXXX, XXXX I DONT KNOW WHAT THIS IS, DIDNT DO
Product: Credit reporting or other personal consumer reports

THERE IS AN FRAUDULENT AUTO LOAN ON MY ACOUNT FROM XXXX FIN ACCOUNT NUMBER XXXX. I WAS XXXX DURING THE TIME THIS LAON WAS OPEN.
Product: Credit card

Credit card offer online showed XXXX bonus points for spending {$25.00} or so, for about XXXX different purchases before a certain date. We tried signing up for the service online and it has come time for the bonus points to show and it looks like it has not worked. Yet I spent well beyond the bonus requirements. The online system for signing up for the bonus was not effective in working with my submission and success in meeting the requirements.
Product: Debt collection

I am writing to request the removal of late payment entries associated with my account. I understand the impact of accurate credit reporting on my financial standing and am seeking your assistance in rectifying the information on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or their customer service representative. I recognize and take responsibility for the late payments. While I understand the importance of adhering to payment schedules, I believe that the removal of these late payments would better reflect my overall creditworthiness. I am aware that your company follows certain policies and procedures, and I am prepared to provide any necessary documentation or information to support my request. If there is a formal process for disputing or requesting the removal of late payments, please guide me on the steps required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided Experian, XXXX, and XXXX with multiple police reports, FTC identity reports regarding fraudulent accounts on my credit report. After investigations its always saying verified as accuratebut nothing is being furnished on how it was confirmed. My identification documents have been compromised and most of these accounts are completely online. I think these companies are not adequately investigating these disputes or not weighing the evidence providedinstead they are just taking the company word for it. This has been an ongoing Situation for 2 years now and have even got to where they are forwarding my mail and intercepting mail. This have been verified by USPS and explains how they was able to get credit cards delivered to my address without me seeing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 we canceled XXXX services. ( Had paid the monthly payment by autopay. ) upon canceling, we were informed that we must return equipment upon receipt of their postage paid box/label or we would get charged for equipment. We promptly and immediately complied and sent all items requested. We verified it was received by XXXX. 

Because we were also building a new home ; beginning XX/XX/2018, we applied for a construction loan from our financial institution and our credit scores were impeccable, as they always have been. My wifes and my own credit scores were, in fact lateral as we have been married 25 years and had the same accounts, etc. 

Because our construction loan is now matured and needs to be converted to a traditional mortgage, our financial institution indicated we could not get a good rate on a mortgage because my credit score took a nose dive! To my utter shock, I reached out to XXXX to inquire as to why the sudden drop. It was indicated I had an unpaid bill reported to them by Diversified Consultants IN, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ( phone XXXX ) in the amount of {$800.00}! 

First, we NEVER received notification of such amount due and second, we had no idea who this company was! After searching their name we learned they were a collection agency for XXXX! 

We immediately filed a complaint with XXXX and spoke to them numerous times to expedite our complaint and resolve the incorrect information so to put my credit score back to where it was prior to the scathing incorrect information. 

Unfortunately, every time we have spoke with them, there was a huge language barrier and after hours and hours on the phone, we asked where we were calling and learned it was the XXXX. We then asked to speak to someone in the USA and was obliged with the request. 

The credit bureau did indicate the item was deleted from the credit file, however it could take as long as 90 days to be reflected on my credit score!!! I begged that this be carried out sooner so I may get a traditional mortgage that should be afforded to me. I have worked all my life, paid all my bills, fought for my country, and have had an impeccable financial and personal reputation. 

I have explained that this is unacceptable and unjust. It was not a valid debt and further, this incorrect ding on my credit score is going to cost me many, many thousands of dollars due to the fact I can not obtain a traditional mortgage!!!! 

Diversified Consultants, XXXX and XXXX needs to compensate us for the grief, anxiety, and moreover the additional costs we will incur due to this total debacle. 

For your information, the XXXX Confirmation number of the completed complaint is XXXX.
Product: Credit reporting or other personal consumer reports

Equifax 's website is broken. I've attempted to reset my login multiple times, each time I've updated my password the login fails. 

It's impossible for me to believe this isn't intentional, causing customers to call in and speak to someone only to hear a sales pitch. 

I just want to log in and unfreeze my report.