23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/2018 {$1100.00} XXXX XXXX XXXX XXXX XXXX ID # XXXX XX/XX/2018 {$1000.00} XXXX XXXX XXXX XXXX XXXX ID # XXXX I never signed any credit card agreement to pay the company this amount they charged, but they forged my name on their charges they submitted. I never would have agreed to charges of these amounts, The company provide me no written contract or agreement and then tried to charge extreme amounts other than quoted. They verbally quoted about XXXX XXXX dollars to take to another location. They threw possessions in the truck which caused significant damage to total loss, stole many possessions, broke multiple possessions, and stole funds by falsifying charges from the verbal quote. They had the credit card number so just charged what they wanted without any written agreement, additional verbal agreement, and far greater than what i would have ever agreed. After the incident I had received very bad information about this company and that they intentionally steal from parties of whom they are moving or storing. 

I tried to follow this matter with the merchant and they were actually frightening and intimidating as to what they would do to me if I ever contacted them again. The owner and his men working were most abusive, scary, intimidating and frightening, as they used foul language to me repeatedly. They threatened harmful actions if I reported anything against them. They were very mean to me and argued against any proper consideration and treatment of me as I tried to ask of them. 

WF again mishandled the claim and did not follow through. We raised it repeatedly, filed Reconsiderations and I completed other forms for WF, but WF never even considered handling it again as they lost their time frame so did nothing.
Product: Student loan

The new One-Time Income Driven Repayment ( IDR ) Account Adjustment makes my loans eligible for forgiveness after 240 months. I have made 297 months of payments using the new rules that allow all months with loan status of RP, FB, and DA to count as eligible months and repayment status of consolidated loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, my rights are being violated by Experian under the federal laws that I've listed below : 1 ) 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Notice of Results of Reinvestigation 2 ) 15 USC 1692 ( g ) ( a ) Validation of debts 3 ) 15 USC 1681i ( a ) ( 5 ) ( A ) ( 1 ) Treatment of Inaccurate or Unverifiable Information 4 ) 15 USC 1681e ( b ) Accuracy of Report I've tried numerous times to resolve this issue with Experian with little to no success. I asked them to reinvestigate the account as it does not belong to me but someone else.

I asked them to provide me with a copy of the investigation and I am yet to receive it. Experian is hurting my credit score and credit worthiness by them failing to report accurate credit information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get both Equifax and XXXX to update my current address as well remove out dated debt that was involved in identity theft of my report. Some of these items have been canceled via 1099C which I have provided and explained to the reporting agencies. They are reporting these debts monthly that have been canceled and I am.not sure what they are validating when I place the dispute to have this information corrected and or removed. As well I reside in XXXX.and they have not updated my credit report address and refuse to remove addresses over 10 years old off my report. 
Equifax also has my account in XXXX XXXX  never can validate my information as a US citizen. 
I have attached my information so they can't say they don't recognize me. License and last four of social.
Product: Credit reporting or other personal consumer reports

Hi, I opted out of XXXX XXXX, XXXX, and XXXX reporting because TransUnion, XXXX, and XXXX keep inaccurately reporting that I have a bankruptcy on my credit report. This is causing me emotional distress and it is blocking me from getting funding for my business and finding housing. 

TransUnion keeps saying that they verified the information, telling me that SOME SOURCE ( will not tell me who ) is still reporting that I have a bankruptcy even though I opted out of them and what they are reporting is not accurate. 

I have a letter from the MA bankruptcy court that they do not release that information so there is no way for any reporting agency to verify this. 

In XX/XX/XXXX I requested to be opted out of XXXX XXXX, XXXX, and XXXX In XX/XX/XXXX I got a letter from the MA bankruptcy court that they do not release this information ( therefor it is impossible to verify as accurate ) in addition to me requesting that XXXX XXXX not share my information. 
In XXXX XXXX I sent letters to TransUnion, XXXX, and XXXX to remove my bankruptcy since they can not verify it On XX/XX/XXXX TransUnion revealed an investigation dispute that they verified a bankruptcy on my credit report as accurate, but they will not tell me who they got this information from and I opted out of all reporting agencies back in XXXX.
Product: Credit reporting

attached is a copy of my victim 's complaint and affidavit and police for fraud on my account since I been XXXX since 2011. I am XXXX XXXX military. Someone using my old account and open new accounts in my name with previous lender and credit card companies. I faxed my identity theft victims complaint and affidavit and police report to all XXXX credit reporting agency and alert was placed on all my credit reports with all XXXX agencies. I complained
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of in accurate or unavailable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information dispute 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 result 's of the investigation, and ( I ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report immediately. 
XXXX XXXX
Product: Student loan

My Experian credit report is showing a 90 day late payment for XX/XX/2018. However, my student loans were in deferment at that time. Also, the 90 days before the 90 day late remark are showing " current\terms met ''. How can the account be 90 days late, if there was never a 30 or 60 day late mark?
Product: Credit reporting, credit repair services, or other personal consumer reports

This the letter I wrote on XX/XX/XXXX after multiple phone calls with customer service. I just got off the phone on XX/XX/XXXX & was told that they have by the end of the day to complete this. They knew I was closing on a refinance but didn't care. I have taken this issue up originally back in XXXX of 2017, but they didn't correct the issue back then either. It is not fair that I have to take a higher interest rate, pay thousands of dollars more in interest because this company refused to correct their mistake. 

I am writing this letter because I am purchasing a new home, I was told that the 30 days late & 60 days late are still reporting on my credit report for dates XX/XX/2017 30 day late & XX/XX/2017 60 days late. 

The reason that this was reporting late, is when I paid online, I made a double payment by accident.I called to correct the problem. When I asked to reverse one of the payments, Freedom Mortgage canceled both payments & sent me a refund check. By the time, I knew that this had happened, it made my account look like I was missing two payments, even though I made the actual payments once I figured out what had taken place. I had called several times on this in the past and was assured that both late payments would be removed from my mortgage rating. 
I am asking Freedom Mortgage once & for all to please remove the 2 late payments, so my credit score will go back to where it was supposed to be in the high XXXX. I have never been late on any account. My new home is supposed to close on XX/XX/XXXX, so I am requesting a rush on this. I appreciate your help in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regards to a continuing issue with XXXX XXXX XXXX that I have tried to work out a solution for 3 years. I have made several calls about this matter and providing emails to support my statements. I called XX/XX/XXXX to come pick up the car, that I had went into the United States XXXX, was having some issues with the car and could not afford to keep it. I was sent a form, faxed it back and they would call me with an appointment to come pick up the car. Never heard anything till a couple of weeks I called back again to make an appt. He said someone would come the following Wednesday between 2 and 4 and we verified. No show again. This goes on for about a month with no shows. Finally XXXX, XXXX we call and speak with XXXX XXXX XXXX resend him the form again ( email provided ). He is going to call us back and schedule an appt. NEVER hear from him again. XX/XX/XXXX my mother contacts XXXX  again about picking up the car with no response. ( email provide ) I tried everything working with them with no prevail. I did not want the embarrassment of them coming into my mothers yard in the middle of the night and scaring her when we were willing to schedule an appointment and meet with them. Meanwhile she is paying insurance and taxes on the car. We also called the local XXXX dealer and they would not take the car. Finally on XX/XX/XXXX my mother, which has my POA and is authorized on this account contacted XXXX again about coming to pick up the car. Telling them that if they do not come pick it up she is charging {$20.00} per day. ( email provided ) As of today 's date that is {$7900.00} XXXX owes. We have done all we know to get this matter resolved early on, this is penalizing me credit-wise. The information XXXX is providing is inaccurate to all three bureaus. I have also provide inaccurate billing statement provided by XXXX that are inconsistent with your credit reporting and XXXX  previous response. ( email provided ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the middle of qualifying for a mortgage and XXXX & XXXX has me as deceased. I am being told that it is due to XXXX XXXX XXXX ( Zales & XXXX ) accounts has reported me as deceased. I call XXXX XXXX XXXX, spoke to a XXXX XXXX ( nasty attitude )  explain my issue and she showed no remorse and told me the fix will take 30 days. I explained that I was trying to secure a mortgage and lock in a rate and she seemed to just not care. She eventually told me they have made a mistake and she is fixing it. I tried to explain that I needed the correct info sent to both credit bureaus and she said she was sending " the forms '' .. Well that did not happen. In following up with the credit bureaus ( XXXX & XXXX the are still saying that the dispute has not been responded too. I am going to loose my home and my credit history is being destroyed by XXXX XXXX XXXX for I have no clue how they can report me as DEAD!! 

I am requesting your help into this matter. I need them to expedite fixing this problem before I loose out on securing a mortgage and locking in a low interest rate.
Product: Money transfer, virtual currency, or money service

This is a complaint about FRAUD AND ID THEFT by withdrawing money from my savings account at Citibank. 

Someone registered on XXXX  using false documentation and my personal bank details, which I have kept confidential without sharing with anyone, and made several automatic debits for usd {$500.00} without notification from the bank to me that this was happening. The debits started in XX/XX/XXXX until XXXX of that year when I realized what happened and started a claim with Citibank. The number of transactions made exceeded the limit of transactions allowed by United States Federal Law, and the bank did not stop these transactions, concluding with the closing of my account for that reason. For example inXX/XX/XXXX 10 withdrawals were made from my account and the limit is 6. 

The detail of the transactions are as follows : Transaction Date / Amount XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} Additionally, in XX/XX/XXXX I went in person to XXXX Florida to the office where I opened my account, in which the bank agent indicated that the ATM card that I had was invalid and that there was another card number to my name in the system, which I never requested and was not in my possession. For security the agent proceeded to request a new debit card. 

Until now, the bank has not been able to deeply investigate what happened to my savings account and my ATM card, and as custodians of my money they must do the investigation with XX/XX/XXXX XXXX XXXX to demonstrate what really happened. 

This complaint requires the return of USD {$8500.00} drawn from my savings account at CItibank without authorization from me.
Product: Checking or savings account

Opened checking account ( XXXX XXXX and deposited $ XXXX on XX/XX/23. I was to receive {$500.00} after 90 days of maintaining a minimal balance of $ XXXX. I never touched any of the $ XXXX, to this day. I have never received the {$500.00} bonus, although they tell me, in my phone calls to Citibank, that XXXX entitled to receive it. I was even mailed a W9, which I returned immediately, and the phone reps admit it was received, but they refuse to advise me when/if I will ever see the {$500.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/1979 To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a new vehicle and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT 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. 

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting

There was a collection debt that has been recalled back by the creditor in XX/XX/XXXX, Equifax has not done nothing about it as of XX/XX/XXXX and still reporting it therefore affecting my overall credit score, I have filled a dispute with no results, when I try to access my account on the website I am always logged out, personal information on my account was changed by a creditor even after I submitted copy of driver license and social security card, there is no way to get a hold of the company customer service not on the website not over the phone, I was emailed links to see the investigation results but I can not access them because the link or the information is incorrect, I have searched online reports on complains about this company and find that time and time again thousands of complaints about this company from reporting to customer service, 1 ) why is this company allowed to report on persons/people credit report if they report incorrect information 2 ) why is this company still allowed to conduct business if they do not provide any customer service or the worst customer service in the world 3 ) why is this company allowed to conduct business if you can not access the information or dispute it I would like someone to provide information to me on how to have this company stop reporting on my credit report since the information they are reporting is incorrect, out of date
Product: Credit reporting, credit repair services, or other personal consumer reports

They had it as I was staying their on campus and I never did. I lived in XXXX XXXX  until XXXX and then moved to XXXX  in XXXX also, XXXX just not understanding how it cost the same amount of money to go online with XXXX XXXX then it does at XXXX and I have housing and daycare and take more classes then I did at post I was never full time at post I was only taking one or two classes and even before I transferred it was only 1 class I know for sure. Please contact me I have more to add to This mainly questions but could be more XXXX
Product: Credit card

I had a Capital One Walmart XXXX XXXX XXXX XXXX. The account was in good standing the problem began when I lost the card in XX/XX/2022, I called Capital One to request a new card. I was told I would receive it in 5-7 days. After the seven days I never received the card I immediately called the company back and I was told I wouldnt receive the card until I sent proof of my identity at first I didnt mind initially they wanted my drivers license, ssn card, and copy of my bank statement all the things I had to submit to open the account in the beginning. Which was two months prior to this issue. Needless to say they gave me the runaround I was told they would follow up the never did. I went back and forth with them from XXXX till XX/XX/2022 down to the point I was conferenced in with my bank along with Capital One to verify my address. After that I thought it was finally over and they would send the card. They never did they claimed that I didnt send them the proper documents when I did several times. I was so frustrated their customer service was horrible all the hundred plus people I spoke to there, no one properly notated the account. Constantly repeated myself over and over nothing was resolved. Essentially they closed this account my credit score dropped tremendously. They lied to cover themselves I never have dealt with anything like this ever. They said they put a fraud alert in the account because I hadnt had the card long enough and had already lost it and was requesting a new one. They would change what they wanted me to send in as proof of my identity and address they wanted proof of my salary which was ridiculous. The way they carried on someone would have thought this account had a XXXX credit limit. Because the new person that I would speak to wouldnt look at the other pages in the account they would tell me I hadnt sent in the necessary documents. This was so frustrating, I got to a point where I had ask to escalate my issue to the executive offices and by the way the account was in good standing with a XXXX balance.
Product: Credit reporting or other personal consumer reports

In XXXX of this year I sent a certified-mail letter to TransUnion regarding erroneous information being reported on my credit file regarding several closed accounts with the Deptofed/XXXX. All of these accounts are reporting a different date of last activity in comparison to XXXX and XXXX. I requested that TransUnion remove these dates due to the impossibility of an account having different dates of last activity being reported by the same creditor, Deptofed/XXXX . 

TransUnion acknowledged receipt of said letter on XX/XX/year>. As of today 's date, which is more than the 30 days mandated by the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), I still have yet to receive a response to my dispute.

I request that all closed accounts associated with Deptofed/Nelnet be deleted immediately, due to them being erroneous and the reporting agency 's obvious disregard of FCRA rules and regulations. 

I've also included the PROOF of said receipt of original dispute letter in this complaint.