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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted company on or about XX/XX/2017, and explained I would be having difficulty making payments, as I was going through a life-altering medical event. Company agreed to suspend the account until I was able to make payments. Account was instead closed and placed into collections. Other companies I contacted, agreed to place their accounts into a " hardship status '' due to my medical situation.
Product: Credit reporting or other personal consumer reports

The XXXX major credit bureaus have this account on my credit and i haVE BEEN AT LEAST A YEAR OR MORE WRITING MANY LETTERS TO Them TELLING THEM ITS not MY ACCT, They refuse to help me or take the acct off my credit reports. 

LVNV {$590.00} XX/XX/21
Product: Debt collection

I am writing to file a formal complaint regarding a disputed debt from IQ Data on behalf of the XXXX, my former apartment complex. The debt in question totals {$490.00} and purportedly covers move-out charges. I firmly believe these charges are invalid and fraudulent. 

Despite my attempts to resolve this matter directly with IQ Data, I have encountered significant obstacles. Initially, I reached out to IQ Data via email and phone to dispute the charges ( first contact on phone was XX/XX/year>, email was a few days prior to this ). Regrettably, my emails have gone unanswered, and during a recent phone call, I was abruptly disconnected while attempting to address the issue. The XXXX has provided me with an itemized statement detailing the alleged damages : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached photos provided by the XXXX showing that these amounts are unwarranted. The so-called damages, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and are easily remedied without replacement. Furthermore, upon moving into the apartment, I paid a redecoration fee that should have covered any necessary cleaning costs. Additionally, I possess video evidence confirming the apartment 's condition upon my departure, which contradicts the justification for these charges. I have also attached documentation for my initial redecoration fee bill with the section that outlines redecoration in the lease, as well as my initial attempts of contact with IQ data. 

I am prepared to share this evidence with your office to support my claim. I request that the CFPB intervene in this matter to ensure a fair and equitable resolution. I look forward to your prompt attention to this issue and to receiving your assistance in resolving this dispute. 

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

I have sent my identification 2 times via USPS First class mail and will upload it again in this complaint along with the letter you have sent requesting my identification which is burdensome as I have already sent it to you. 

I disputed because my privacy rights are being violated and the basis of my dispute is in accordance with FCRA 602 and 604 ( A ) which states a consumer reporting agency can not Furnish an account without my written instructions. 

I also requested the Method of Verification under FCRA 611 ( a ) ( B ) 6 ( iii ) requesting the name of the person ( s ) you spoke with along with their addresses and telephone numbers and the procedures used to come to the conclusion that my privacy rights are not being violated when my dispute was verified updated. 

Additionally, Equifax has failed to honor my request in 15 days which is required under FCRA 611 ( A ) ( 7 ) as this also means that Equifax may owe me {$1000.00} due to this violation which Equifax failed to respond in timely manner. 

Please remove the accounts listed below immediately they are violating my privacy rights under FCRA 602 and FCRA 604 ( A ). 


Trade : XXXX XXXX # XXXX. 
Trade : XXXX XXXX XXXX.
Product: Debt collection

I XXXX XXXX Sent Debt Validation letters to Phoenix Financial Services to Validate debt attached accounts on XXXX XXXX Induvial Action XXXX 1. Phoenix Financial Service did not comply 5 days after speaking to me. 
2. Phoenix Financial Service did not provide validation of the debts 3.Phoenix Financial Service did not cease in collecting debts
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain inaccuracies on my credit report that I have recently reviewed. Upon closer examination, I have found errors, as well as accounts that appear to be fraudulent or unauthorized. Please find the details below : National Credit System Opened : XXXX Showing an amount of {$3400.00} then {$4000.00} XXXX XXXX XXXX Opened : XXXX {$170.00} XXXX request that these discrepancies be thoroughly investigated and corrected. Please remove any fraudulent or inaccurate accounts from my credit report as soon as possible. I would also appreciate receiving confirmation of any updates made to my report. 

Attached are any supporting documents that may assist in resolving this matter, including copies of identification and evidence of the disputed accounts. 

Thank you for your prompt attention to this issue. I look forward to your swift resolution. 

Kindly!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the inaccurate information reporting in my credit reports for the better part of the last 2 years. Over the last 2 years I have yet to receive one letter from Experian, XXXX, or XXXX  about the results. According to the FCRA, the credit bureaus are obligated to respond to all of my dispute requests but, they have been ignoring me!!!! This is a violation of the law. I want the credit bureaus fined for this fraud and the removal of the incorrect information from my credit reports!!!!!!!
Product: Money transfer, virtual currency, or money service

Our wedding venue ( XXXX XXXX XXXX XXXX XXXX XXXX ) had sent us final payment information XX/XX/22 with wire transfer instructions for {$5100.00} to a Wells Fargo account. The Wells Fargo account name in the wire instructions was the venue 's name ( XXXX XXXX XXXX ) and the email was sent from the venue 's email address as a response to an existing email thread. We paid off our final balance via wire transfer to the Wells Fargo account as instructed by our venue and emailed the payment receipt also as instructed. In the following weeks, we received XXXX automated emails from our venue that our balance was overdue so we responded immediately to those emails with the receipts that we had sent previously and received response back from our venue that they can confirm with their accounting department regarding receipt of our payment. 

On XX/XX/22, we received phone call from our venue that their email account had actually been hacked and the wire transfer instructions were from the hacker thus the venue never actually received the money we transferred and money had been stolen by the hacker via the Wells Fargo Account. We immediately called our bank ( XXXX XXXX XXXX ) who stated they would investigate as well and we also filed a police report with our local XXXX XXXX Police Department. 

On XX/XX/22, the venue said they have been in contact with Wells Fargo and XXXX XXXX Police Department. The venue told us their insurance will not cover this case. We also called Wells Fargo on XX/XX/22 but were told that Wells Fargo would not help us. We were informed by our bank ( XXXX XXXX XXXX ) that they could not recover the money as the hacker/thief had already stolen the funds. Thus we are filing a claim regarding this theft that Wells Fargo was involved with.
Product: Student loan

XXXX payments in total have been sent to the loan company and have been cashed, however they have not been credited to my account. The payments were sent to the wrong XXXX XXXX XXXX however Ed-Financial claims they have located them but have yet to credit a payment to my account. 

XXXX payments were made to the 'incorrect ' XXXX XXXX XXXX the first payment credited to my account within 5 days. The next four have never been credited to my account. Checks have been cashed. I've provided copies of the cashed checks. I've called 5-10 times and each time I call they provide a different time frame. I've also emailed their customer service team, and the responses say that they can not tell me when the issue will be resolved. In the meantime, I'm continuing to accrue interest on balances already paid. The oldest payment was made 91 days ago and I'm still waiting for the payment to post to my loan account. 

Payment # 1 was made {$230.00} on XX/XX/year>, check was cashed on XX/XX/year> & pymt posted Payment # 2 was made {$230.00} on XX/XX/year>, check cashed on XX/XX/year> - still waiting Payment # 3 was made {$230.00} on XX/XX/year>, check was cashed on XX/XX/year> - still waiting Payment # 4 was made {$500.00} on XX/XX/year> check was cashed on XX/XX/year> - still waiting Payment # 5 was made {$230.00} on XX/XX/year>, check was cashed on XX/XX/year> - still waiting Of course, after confirming the first payment posted, I didn't continue to check the portal, it it was not until I got a phone call from the loan issuer telling me I'm behind several payments that I checked to see NO payments posted since my first one. I promptly sent copies of the cashed checks to the loan servicer and expected it to be handled. 90+ days and I'm still waiting. I've been told by customer service rep 's that the payments have been located and it takes 30-60-90 days for them to post. During each discussion I was given a different time frame. In email responses, they indicate they can't tell me how long it will take. I had to make additional payments to keep my account from going to collections. I'm still waiting for credit to my account and still accruing interest. This is extremely frustrating, when all I'm trying to do is be the honest person and pay down my debt.

I'm getting nowhere contacting the loan servicing company Ed-Financial and I've contacted them A LOT.

I also contacted the issuer where the payments were sent and cashed ( XXXX ) and they were not able to help me at all they told me to file a complaint with the Student loan.gov, which I did
Product: Checking or savings account

I opened a secure loan with the company, I pay monthly and the company report it to the credit bureau as a loan and at the end of the loan the company should give me back the money I paid and subtract the fees as written in the agreement, now the loan end and I cant get my money that I was paying them. I also have a credit card with the same company that has a balance and the company is charging me for the balance I owe on the credit card but they are not giving me the secured loan payout so I can pay the credit card to not get hit with a fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per my CFPB # XXXX complaint, XXXX XXXXXXXX XXXX was deleted and removed from my XXXX consumer report for violating my federally protected rights, but still appears on my Experian and XXXX consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disappointed to see late payments on my credit payment history with XXXX, I tried to reach out to them but no reply ... The thing is I don't remember being late on paying my obligations, or else I did not receive the bill for me to pay on time. I appreciate you help with this. Thank you.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXXXXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone had submitted multiple fraudulent applications with COMENITY/VICTORIA SECRET that resulted in several credit inquiries ( all of which were reported to the credit bureaus around XX/XX/XXXX to XX/XX/2021 ). These unauthorized and fraudulent activities had already been reported to the 3 credit bureaus and had already begun to negatively impact my credit reports and credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX XXXX Balance : {$310.00} XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$100.00} This will be my follow-up complaint in line with my previous complaint
Product: Credit card or prepaid card

On XX/XX/2019, my purse and all of its contents were stolen from my shopping cart. Although I reported the incident to all of my credit cards, Discover conducted an investigation and concluded that no fraud was committed. I submitted all necessary documents including a police report. Despite the fact that we called Discover that same day and several days later to report the incident ( we have a XXXX Call logs support this ), Discover claims that no such report was made and that I am responsible for the {$900.00} charge plus interest. Numerous calls have had no result. Please refer to the attached documents for details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed in documents due to unauthorized inquiries on my credit report several times with certified letters regarding the issue .its 19 inquiries that i did not give permission to pull or look at my credit file the only one should be XXXX XXXX and thats accurate. XXXX thats accurate and XXXX XXXX is accurate but everything thing else is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be Advised. Ive been a victim of identity Theft!! The following company has allowed someone to get medical care in my name. 

1.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$2300.00}. Ive never done business with this company or signed into an agreement. This is a fraudulent Account!! 

2.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company continues to remove and add back fraudulent medical bills on my report. This company failed to notify me in writing 5 days in advance per the FCRA!! This company failed to validate this account. This company is reporting a fraudulent bill on my reports. Ive never done business with or entered into a signed contract with this company!! ( Please see attached FTC report ) 3. XXXX XXXX XXXX in the amount of {$1300.00}, Ive never done business with this company or have I never entered into a signed contract with this company!!! This account is fraudulent!!!
Product: Checking or savings account

On XX/XX/XXXX of 2021, I wanted to talk to XXXX  customer care for an app named XXXX and how I wanted to change it from an XXXX version to an XXXX version. But the XXXX had a fraud website as attached I called the customer care number on the fake XXXX website which popped up first in XXXX search that day and I was not so cognitively aware to differentiate between fake and real XXXX website and then they made me download some weird XXXX app which I was not able to deny because they were very tricky to hypnotize the brain attached is the fake website And they broke into my phone and kept doing taking out the money from my XXXX and chase savings account through XXXX XXXX XXXX and just told me to be on the phone while they were fixing the XXXX XXXX for me attached is the screenshot of the phone call which I was on for almost an hour After that, all I knew that I was fraudulently victim of losing my money from XXXX and Chase bank app XXXX were kind enough to resolve my issue timely and refunded the money as they investigated and found out that it was a fraudulent act but Chase bank gave me hard time A little back story about my health I am a XXXX survivor and STILL have a XXXX and XXXX XXXXt will attach my XXXX  injury card as well I am not having any job and no XXXX all I have is my savings but the scammers took $ XXXX from my chase bank and the bank is not giving me a proper response since last months. Please help me in this matter you are my last hope
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$5800.00} XXXX XXXX Bankruptcy Discharged Reference # : XXXX XXXX XXXX Bankruptcy Discharged Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing an entry on my credit reports made by National Credit Management, who is collecting for XXXX XXXX for the amount of {$430.00}. I spoke to the XXXX 's XXXX at XXXX XXXX. They state my debt with the college was NEVER placed with National Credit Management and that I was eligible to pay my debt off through the college exclusively. 

I have made this payment directly to the college so that I can register for classes. The payment was made by VISA in the amount of {$340.00}, which is the ORIGINAL amount of the debt ( not {$430.00} like National Credit Management lists. 

I have disputed this entry on my credit reports for quite some time now and National Credit Management maintains they are collecting for XXXX XXXX. XXXX XXXX 's XXXX 's office has maintained this debt NEVER went into collections.
Product: Checking or savings account

So many overdraft fees I had to pay through Wells Fargo
Product: Debt collection

On XX/XX/2020, I pulled my credit reports to find a collection from BULLCITY FINANCIAL SOLUTIONS, in which I did not recognize, claiming that I owed a debt for a utility bill that went into collections. I then checked my report to see the original creditors information and reached out. The original creditor could not confirm that my information matched the information they had on file for the supposed debt. They stated that they had no accounts for me that were referred for collections and that there were no recorded files that reported a balance or previous balance on my accounts as I have not had an active account with them in over 10 years. With this information I sent out a debt validation request certified ( attached documents ), requesting debt validation documents be mailed to me within 30 days of receiving the debt validation request. This company never responded. I then attempted to contact the  company directly via phone instead but was not able to get in touch with a representative. I reached out to the credit reporting agencies after the collection company failed to respond to my request and filed a dispute. XXXX  deleted the account after conducting its investigation. However XXXX  and XXXX  stated the account had been verified. I requested a method of verification used by XXXX  and XXXX  to validate this debt, they failed to respond and only issued another investigation, that came back as verified and updated per previous investigation results. They didnt even attempt to reach out to the collection agency with the new found information. I then bought a service called XXXX, that accurately pulls all 3 credit reports and compare the information. The comparisons were inconsistent being the collection agency was reporting different information to different bureaus. The collection company will not validate the debt it claims I owe and I believe that its because it can not be validated as mine. This collection account is effecting my ability own a home, qualify for a better job at my current job and has caused me a lot of restless nights and worrisome days. I feel as if this company is taking advantage of me and is trying to force me to pay a debt that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXBalance {$1000.00}