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

I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

TRANSUNION COLLECTIONS : XXXX ( original Creditor : XXXX XXXX XXXX  ) Balance {$570.00} XXXX XXXX Balance {$500.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  : XXXX SELF-REPORTED Balance {$9.00} XXXX SELF-REPORTED Balance {$480.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Balance {$900.00} XXXX XXXX Balance {$500.00} XXXX XXXX  : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) Balance {$900.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I had an old navy credit card issued by Barclay 's bank. 
To my surprise I saw on my credit card that account is closed and I thought for a while that it might be an error but when it stayed like that for a while I decided to call them and when I asked them about what is reason for closure of my account they said I didn't use my card for a while so they went ahead and closed my account which isn't fair. 
My account is in good standing, I never missed a payment and have had this card for over 4 years and there was no balance due on card either. 
They just closed my account because I didn't buy anything from them for a while.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX ( innovative funding services ) improperly used a hard inquiry the gentleman that I spoke with stand by them said that I was approved for an amount to refinance a vehicle that is in my name and my daughter 's name because of the approval I he then said that he needed to speak with XXXX XXXX to see what the payoff would be that was given on the assurance of credit or funding loans to refinance as it turns out he falsely represented that his company was doing the payoff loan after after getting the information of the payoff he then wanted to pull from other companies I am formed him no I need them to remove the hard inquiry from innovative funding services off of my report ASAP the gentleman even added incorrect addresses on her report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I filed a dispute with equifax and as of today, XX/XX/2021 they have yet to update or send any verification letter. Confirmation number of dispute with Equifax is XXXX.
Product: Debt collection

I have false, negative claims on my credit report do to identity theft back in XX/XX/XXXX. These false claims are preventing me from purchasing a house at good rates for my family and I. There is a claim by XXXX XXXX XXXX  stating I had an account with them in XX/XX/XXXX. I have never done any business with XXXX XXXX XXXX  what so ever in my life. XXXX XXXX XXXX  states I then charged a XXXX to that account and never paid the balance of {$300.00} USD. At the time of the identity theft I was banking with XXXX XXXX XXXX XXXX and was notified by them about the matter. XXXX XXXX XXXX XXXX informed me to sign a Police Affidavit stating that it was a case of identity theft. I then signed a police affidavit and submitted it back to XXXX XXXX XXXX XXXX. I thought everything was done with the issue being as though the money was never charged to my account with XXXX XXXX XXXX XXXX. XXXX XXXX Bank then started making harassing calls to me as well as sending threatening letter saying " if I don't pay the balance they were gon na send it to a debt collection agency. I tried explaining the facts of the matter to XXXX XXXX XXXX. Trying to tell them that I never had any business dealing with them and that was a case of Identity theft. They wouldn't listen. In XX/XX/XXXX, I was in the process of purchasing my first home. My credit was checked and a debt of {$380.00} USD showed on my report. The debt was being enforced by Midland Funding and was a result of XXXX XXXX XXXX  transferring the debt to them. I reached out to XXXX XXXX XXXX  to inform them I never opened an account with them once again and they just wouldn't listen to me. XXXX XXXX XXXX  would just keep hanging the phone up on me. I contacted Midland Funding to inform them of the Identity theft that occurred with XXXX XXXX XXXX  pertaining to the exact same debt they were attempting to recover. They were not listening and continue to send letters to me to retrieve the amount. I have tried disputing the debt with the credit bureau and nothing has happened. I hired an attorney to clean up this matter for me and ended up paying them more than the amount the debt is, still nothing has happened. I refuse to pay for goods never rendered to me. I refuse to be another American being rail road by XXXX XXXX XXXX.
Product: Credit card or prepaid card

Someone opened a credit card in my name and charged {$490.00} on it. I caught it because Venmo sent me a memo that a new device was added to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im victim of identity theft the thieves rented an apartment with my documents. I already disputed the account with equifax and the company reporting the balance. I already provided police report and identity theft report. But they dont close the account and results of investigation is the item belongs to you I dont know what else to do. To proof that I have been victim of identity theft.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

Inaccurate reporting. XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX Last reported XX/XX/year> {$1000.00} XXXX XXXX XXXX
Product: Checking or savings account

This is a complaint regarding Chase Bank and their trusted XXXX app. 
Any app that is used on the interface of our Bank we as consumers trust our bank to protect us and our funds. 
A transaction was made online ( XXXX ) via my bank account using the XXXX feature to send money ( a  total of {$100.00} ) for goods ( tickets to a show ) to a person with whom I would find was false and was a scammer ( XXXX XXXX ). 
After multiple phone calls to my bank and XXXX I am told I am at fault and the bank is not able to honor the request for the funds. I was told by one of the Claims specialists on ( XXXX ) I would receive the money back from XXXX in 10 business days only to find an email that denied the claim the next morning. 
The bank only offers an apology stating the customer claims agent spoke incorrectly and I would not be able to receive any money from the false transaction. 
I feel this is wrong. The Claims personnel should be held accountable to what was stated and recorded by the Bank. The Bank should NOT be able to advertise on my banking account an application for money sending that is NOT secure nor does it protect the bankees. 
As a courtesy, the bank should offer not only an apology, but money reimbursed for the issue. 
At this time no action can be taken by the bank. 
XXXX is looking into who was the scammer and will do their best to freeze any future transactions coming from the email associated with the seller/scammer.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Product: Credit reporting or other personal consumer reports

I am frustrated by the response from the credit reporting agencies claiming that the investigation of these accounts came back as verified. My credit report still contains multiple inaccuracies. 

Under 15 U.S.C 1681i ( 7 ) Method of Verification, I have the right to understand the verification process your agency conducted. I demand a detailed account of every step taken to ensure these disputed items are accurate. 

Despite these investigations, my credit report still reflects discrepancies. Please rectify these errors promptly and provide the documentation I am entitled to under the law.
Product: Credit card

On XXXX XX/XX/XXXX, I called Capital One Bank to make a monthly payment. I asked the agent what would be the lowest payment amount that I could make without being reported 30 days late to the XXXX credit bureaus and still be current. She asked me if I could make a certain amount and I asked her if she could give me a second amount that would allow me to be current and not reported 30 days late. She told me to hold on for a few minutes as she made a new calculation and told me that the lowest amount to be current and not reported as 30 days late would be {$17.00}. I even remember asking her if she was sure that the {$17.00} would be enough and she laughed and replied yes and not to worry. So later on, on XXXX XX/XX/XXXX, I got an alert from XXXX stating that I was XXXX payments past due. I immediately called Capital One and explained to the agent who answered the phone what had happen and she transferred me over to a supervisor. The supervisor told me to hold on while she pulled up the conversation. After XXXX minutes she came back to the phone and told me to give them 10 days to call me back with a decision. Today is XXXX XX/XX/XXXX and no one has gotten back to me. I have been with Capital One since XXXX off and on and have never ever in my life been late with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this address several times with TransUnion. This address does not below on my credit report. I never lived at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington, D.C. XXXX and XXXX XXXX XXXX. XXXX, XXXX, CA XXXX. These was my Ex 's and friends address. I never lived there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an student loan through wells fargo. Last XXXX/XXXX ( XXXX ), I began the process to consolidate my students loans into one loan. During this time, Wells Fargo frequently sent the wrong forms, or the forms were incomplete ( missing pages ). This resulted in the process taking much longer than needed. I spoke with multiple representatives from the company during this time to get he process completed. In XX/XX/2018, I spoke with a representative about missing paperwork. In early XXXX, I spoke with yet another representative that stated if I had everything in by XX/XX/XXXX, then my account would be fine, and everything would be listed at current and up to date. They completed the consolidation on XX/XX/XXXX. I recevied a notice that 4 of my accounts were being listed as 60 days past due. This had a massive negative impact on my credit score, as well as my husband, as he is a cosigner. It showed that 4 accounts were seriously delinquent. I was assured by more than one agent, during this process, that this would not be the case, due to their issues with their paper work. I called in late XX/XX/2018 and spoke with a representative about this issue showing on my credit as delinquent by 30 and 60 days. The representative once again assured me that these would be fixed and reported to the credit agencies. I then received a letter in XX/XX/2018 stating that they would not be fixing this issue. I then spent months trying to figure out why this was an issue, and why it was still on my account. I spoke with someone from their dispute dept in XX/XX/2018, and requested and investigation be opened, as this information was not correct, and their company reassured me, repeatedly, that this would be removed from both mine and my husbands credit reports. I received another letter 2 weeks later stating that the investigation was complete and no changes were being made. I then called to request the recordings of my phone calls in XXXX and XX/XX/2018. I was never given those, and the company has been less than forthcoming with their information regarding this matter. I have sought legal action at this time, and contact an attorney last week, XX/XX/2018. I have also filed complaints and disputes with all 3 agencies at this time. I have read through a number of similar issues regarding Wells Fargo, and I am more than convinced that they reported this inaccurately, and on purpose, to increase my interest rates. I feel that they do this so that you can't go to another company, since they know they ruined your credit score.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the correction of inaccurate data on my credit report regarding late payments. It is crucial that these accounts are corrected to accurately reflect the payments and that any erroneous information is rectified promptly. In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable time-frame. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments. I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness. Please have these accounts UPDATED and CORRECTED for once : XXXX XXXXXXXXXXXXXXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Mortgage

I'm being approved for the Homeowner Assistance funds for 17 futures mortgage payments. This is a federally funded and regulated program - overseen by the U.S. Treasury. Mortgage companies and are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. HAF are sending the bulk checks and they aren't applying on time to my account. My last call with XXXX they told me that was a delay in posting the checks and they were working closely with HAF to make the process quickly. It's not fair that they received the payment on time and they still reporting to the Credit reporting agencies. As of today, no XXXX, XXXX and XXXX payments are posted in my account. They stated that they have to ensure approval of the program. I send them the letter of approval back in XXXX.
Product: Credit card or prepaid card

To whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that Citibank reported a late payment regarding an account  XXXX  ( last 4 digits ). I am requesting that my late payment notice be removed from my credit history for the circumstances explained below.
I opened a Costco Credit Card account when it was under American Express about 3 years ago. For that account, I had set up auto payments and never missed a payment. I received a letter saying that my Costco American Express account was canceled. A new Costco credit card was opened under CitiBank without my knowledge or approval. I never received a physical card or used this card. This unauthorized account then accrued bogus fees and then Citibank filled a late payment on my credit history putting a severe drop on my score ( over   XXXX   points ).
When I saw this credit card on my credit report, I called to try to cancel it several times, but was not able to. On  XX/XX/XXXX , I called two times to cancel this card. The reason I was not able to cancel it was because I didnt know the address on file. I gave the customer service representative the 4 addresses in which Ive lived for the past 10 years and none of those addresses were right. I asked the person on the phone to escalate the call to a manager and find another way to validate my account but she mentioned that that was not possible. This happened twice that day. I was unable to access my account to cancel. The woman also didnt not tell me it had late fees. I did n't know the address on file because I didnt open this account or received a record of this account to my current billing address which classified as a billing error under the Truth in Lending Act ( TILA ), Regulation Z.
On  XX/XX/XXXX , I called again to try and cancel my account, the woman on the phone actually escalated the call. I was able to access the unauthorized account, canceled it and paid the balance. As you can see my credit score has always remained in the  XXXX - XXXX  range and Ive never missed a payment until this situation. As a goodwill gesture, I made the payment of the unauthorized {$250.00} dollars on  XX/XX/XXXX . I request that you investigate this issue and remove the late payment notice on all the federal credit bureaus on my account. I filed a complaint with Citibank customer service team the number is :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .
Product: Credit reporting or other personal consumer reports

I am filing a Complaint against Equifax or failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation.This practice violates the fair credit reporting act FCRA, 15 U.S.C. 1681i, which mandates a reasonable investigation of investigation of disputes.Furthermore Equifax actions may contravene the consumer financial protection act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBS recent administrative proceedings ( File XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The stated my account was properly investigated, however, how is that possible when the following items are incorrect : In accordance with the Fair Credit Reporting Act, Experian Information Solutions Inc. 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 written instructions. 

There are 4 violations : Experian Information Solutions Inc. : Personal Information 1-4 Violation Date of Birth, previous addresses ( 2 wrong addresses ), employer