23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604A section 2. It is also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1681c ( a ) ( 5 ) section. States no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse items information, other than records of convictions of crimes which antedates the. report bu more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information ice inaccurate.
Product: Credit reporting or other personal consumer reports

In order to complete applying for an apartment, the company needed to verify my credit report through Equifax. I have impeccable credit and full access to positive reports from both XXXX and XXXX XXXX. However, the apartment company was unable to verify the report through Equifax. After several hours of waiting on the phone, I learned that Equifax has simply failed to record my information completely. It seems they have the correct address and SSN, but only lack my full zip code and the last few digits of the XXXX. 

I called Equifax customer support multiple times over the course of XX/XX/XXXX - XX/XX/XXXX and received almost no information or support to resolve this frustratingly simple issue. I verified my identity using my driver 's license and SSN on countless occasions, yet no change is reflected in my account. The representatives at XXXX have also reached out to Equifax on my behalf, and have still received nothing. I am currently homeless and I am about to lose housing due to Equifax 's refusal to help. They have no point of access to receive assistance other than a call center full of employees with a limited grasp of the English language and who have no idea how any part of this system works. I have been repeatedly and rudely refused help by employees, and have even been given false information by employees ( such as being given the wrong address by which to send my information for verification ). I have sent information through the mail, and yet still have received nothing in return. I have created an account on the Equifax website, in an attempt to resolve my issues quickly on my own, and the website similarly refuses to even let me file a dispute claim, with absolutely no explanation, only offering the customer support number that I already tried, and where I was told to use the website instead. 

After the XXXX breach of my credit information that they allowed to happen, Equifax continues to threaten my safety and wellbeing through maliciously designed systems, meant to waste time and prevent consumers from finding housing despite meeting the financial burden. If my bank was able to send full and accurate information to both other credit bureaus, Equifax 's failure is unacceptable.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s 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
Product: Credit reporting or other personal consumer reports

I submitted my ftc identity theft report with corresponding proof of identity on XX/XX/XXXX. I called the company to confirm receipt and they informed me that it appeared to come from a 3rd party and they couldn't accept it. I confirmed that I typed the letter and mailed the letter myself and they still wouldn't process my identity theft paperwork. Please help, this is hindering me from moving forward with my life financially.
Product: Credit reporting or other personal consumer reports

I recently reviewed my XXXX XXXX and noticed an account that was not reporting accurately. i had a late payment on an account that was in fact paid on time. The XXXX XXXX XXXX have need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my XXXX to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Experian lowered credit score by over XXXX points on one inquiry from XXXX XXXX XXXX. Investigation revealed that I could restore my credit score if I joined XXXX for {$9.00} XXXX  and purchased at least 2 of their credit cards. This is a scam! Also, elder abuse!

I merely wanted them to report my REAL score to increase credit limit at new bank. I inf
ormed them I had reported their scam to you.

Not surprisingly, credit score has gradually increased, but too late for review by bank. Have to wait at least 60 days! Person at card center XXXX XXXX  suggested I report them to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When trying to get one of my free annual credit reports, Transunion asked for my email and telephone number. From what I read on this website, I do not have to provide those. I don't remember having to ever have to do that before and I didn't have to do that for XXXX. I would like my report without having to provide that information. I tried calling XXXX  number but couldn't select options to talk to a person. I've also filled out their contact us form online but they said they won't mail me anything and they didn't ask for my phone or email. Please tell Transunion to remove the email and phone number requirement.
Product: Credit reporting or other personal consumer reports

i am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX XXXX XXXX late payment XXXX, XXXX of 2022. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within XXXX business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 60 days later I have not received a response yet. I also sent another letter on XXXX And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me XXXX of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP I will not wait another 50 days to receive no response because clearly you all are ignoring me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the credit bureau on XX/XX/XXXX requesting an investigation that I believe were outdated. I have received no reply or acknowledgment that an investigation has begun. This is my second request. This is passed the 30 window and these in accurate fraudulent accounts needs to be removed from my credit file asap. There are even accounts on my report that are not only fraudulent but these accounts have been reporting negative on my credit file for over 10 years. The credit bureaus are not following their own laws. Its been over 30 days. 

Accounts such as XXXX XXXX XXXX continue to violate my FCRAa am rights account XXXX XXXXXXXX {$29.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$190.00} Those accounts have been reporting negative on my profile since XXXX and should be removed asap. 

XXXX XXXX XXXX has been reporting negative on my profile since XXXX XXXX XXXX XXXX XXXXXXXX fraudulent account as well and refuse to send any validation that verify such accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were all opened under my name and these accounts were not authorized by me. These companies have not verified any information by me. The credit bureau are violating my FCRA rights by continuing to report theses fraudulent inaccurate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One still has this information on my credit report according to XXXX XXXX, i called the customer care XXXX XXXX, XXXX while i was working and they said it would be removed that they would contact XXXX and file a complaint, yet they told you that i didnt provide a correct address??? have them be advised i have the phone conversation recorded and will use that as proof. thats a lie, this capital one statement is over 18 years old and should of been removed CAPITAL ONE Credit Card XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name CAPITAL ONE Account Type Credit Card Account Status Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit {$1100.00} Term -- Monthly Payment -- Responsibility Individual Account. Balance {$0.00} Highest Balance {$1400.00} Payment Status Current Worst Payment Status -- Date of Last Payment XXXX XXXX, XXXX Amount Past Due -- Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Consumer disputes after resolution Payment History Latest Status : Current No payment history has been reported by this creditor. Credit Utilization* 0.00 % See something wrong? You could dispute an error with XXXX. *Calculated using reported balance and credit limit on account. its still there
Product: Student loan

I had a private loan with NAVIENT from XXXX. However it was for a college that has engaged in misconduct. XXXX XXXX shut down in XXXX and filed bankruptcy the following year. 
I knew in XXXX that this college was defrauding students. By overstating income potential, Not transferring any credits. After deciding to leave XXXX XXXX, Navient would commit XXXX XXXX by calling in the early morning hours and late at night harassing my family & friends. In the end, the next year I paid the {$5000.00} private student loan off, the XXXX XXXX was too much to handle. I had to sell my family memories to pay off the loan. At the end of the day I was financially XXXX by XXXX XXXX XXXX Navient. 
I'm asking for Navient to refund the payment based on the colleges misconduct.
Product: Debt collection

I have never used XXXX. The debt was supposedly made for XXXX dollars in 2011 by my ex wife who denies using XXXX. The XXXX company is for kids and we did not utilyze their services at the time. I am not liable for this debt and my XXXX insurance XXXX XXXX did not receive a claim for this service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management added a derogatory mark on my credit report per XXXX XXXX, upon further research, this is not my account and was transferred/ sold I am not responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA Midland Credit Management has violated my rights as a consumer and Im requesting legal action to remove this account immediately. has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Debt collection

A statement was added to my account saying that I owe a Company CENTRAL PORTFOLIO CONTROLLER {$1500.00} on XXXX XXXX. I have never done business with this company and they have failed to verify with my wet signature on a contract that I owe this debt According to the FCRA, Section 609 ( 1 ) ( A ).
Product: Credit card

I paid a charge off XX/XX/XXXX. The company said they would update the information. On XX/XX/XXXX I attempted to dispute to update the negative balance as paid in full. Today, XX/XX/XXXX the company reported a balance and the account reported as a charge off and not closed.
Product: Checking or savings account

I attempted to resolve this issue with Wells Fargo stating fees were not mine, also charges were not mine. Documents they submit didnt not comply with information that was provided.
Product: Debt collection

This collection agency contacted me via phone on XXXX/XXXX/2015 at XXXX pm and left a computer generated message claiming that I must contact them to avoid civil action. They contacted me again at XXXX and I was n't able to answer the phone. I called the number back at XXXX and spoke with a XXXX XXXX who was very rude to me and did not tell me what the call was about. When I asked him what the call was regarding and his contact information, he asked " what are your plans to pay what you owe, you owe XXXX ''. He never once disclose that he was attempting to collect a debt, nor did he validate the debt information to me. When I asked him for his contact information, he asked me what did I need it for and that he only accept payments via telephone. I told him that I wanted the information so that I can dispute his claim and he told me that I can dispute the claim in XXXX XXXX XXXX. He simply hung up the phone right after he made this statement. I called the number back because I assumed it was a scam the way the XXXX conversation was handled ; I called back at XXXX and the same person XXXX XXXX answered the number again. I told him that we had a conversation earlier and that I was calling back to get the contact information. He kept trying not to give me his information and continued to asked whether or not I plan on paying and how I plan on paying. He never stated he was attempting to collect again on this call nor did he validate what the debt was for with competent documentation. The representative also claimed that they had a legal department that I needed to contact about this as well and initially I was told that their name was Integrated legal services. I do n't know if the address that he gave me when I called back at XXXX is correct being that they were not honest initially on what the name of their company was and the fact that the representative refused to give it to me. All I have that I am certain of is the number that is on my caller I.D on my telephone from where they called from and the message that was left threatening me with legal action if I did not return their phone call. I have the voicemail that was left on my phone saved as well. The message that was left on my phone nor the representative that I spoke with Disclose that this was an attempt to collect a debt.
Product: Debt collection

Proof of debt submitted because of CFPB compliant is fabricated. They made up a promissory note with made up information that I have never signed or seen. 

This company is clearly committing fraud. 

The alleged debt was from XXXX  and is well beyond the statutory collection period.
Product: Credit card

I had a credit card with capital one, I was maybe a few weeks behind on my payment. I paid my balance in full and even paid over the limit. I never received notification and they closed my account out with explanation nor notifying me prior.
Product: Money transfer, virtual currency, or money service

Netspend XXXX XXXX XXXXXXXX XXXX they have sent me atleast XXXX cards, i have sent my information many times and they continue to ask for my information every time i call customer service. they asked for my Adress, social ID, state ID, IRS paperwork, its been almost XXXX XXXX and i have gotten no actual response. and its become a problem because ever since i opend that account many banks have sent me emails but none give me service.
Product: Credit reporting or other personal consumer reports

XXXX claim number # XXXX Dear Sirs, I have a complaint to file in regards to my XXXX Pay Line of Credit, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and until recently had perfect credit, XXXX rating. 
I have contacted the credit agencies as well as XXXX directly with no resolve. 
My XXXX XXXX account is for a security system. A very low monthly payment that was setup with auto pay and my XXXX XXXX credit card. 
In XXXX of 2023 XXXX XXXX without my knowledge canceled the card due to apparent fraud. 
When I found out about this I contacted XXXX immediately, paid up the account and gave new credit card. I asked if I could put an additional card for a backup to make sure this never happened again and they said no. 
I was never contact by XXXX when the card was declined. No phone call, email or text. Instead they just report a late payment and dropped my score XXXX point or more. Several other vendors that I had auto pay with had the courtesy to make sure they notified me. We are are talking about a {$75.00} a month auto pay that XXXX XXXX was in charge of. It is not like I was bouncing checks. 
XXXX said they would contact the credit reporting agencies and explain the situation. It does not look like anything had been done. 
I am extremely frustrated as I have worked my entire life to keep great credit and this without my knowledge is causing a major problem. 
Please let me know when and how we can rectify this. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXXXXXX XXXX Balance : XXXX XXXX  XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX Balance : XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr XXXX Bankruptcy Reference XXXX : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian several times with regard to incorrect addresses and phone number information on my credit report. They refuse to update my personal information to show my one and only correct address and phone number on my credit report. This is a big concern for me due to the fact that I was previously a victim of identity fraud. Therefore, incorrect reported addresses opens up the doors for that to happen to me again. I sent them a letter on XX/XX/2022 and then again on XX/XX/2022 asking them to correct my personal information. I also called them in the past to update my information and they failed to update it as well.